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Joy, United States | 11-Sep-2015 |
Scam Phone Number 6014162659, WTJ Capital about a l2011 payday loan supposedly owed by me 6014162659.
They said I owed for a payday loan in 2011 I have no idea who they even are I have never even had a payday loan
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When someone demands payment of old debt (may be real or unreal) you should check your credit report to see whether it's actually on it, or not.
If the credit report does not state the debt at all, there is no need for you to pay even if you are convinced the debt is real, unless you are in a mood to pay it off!
There are thousands of illegal payday loan lenders who are not licensed to lend. Since they are not licensed they can't register themselves with credit rating agencies and hence can not report loan defaults.
They may try to recover the debt illegally. They may threaten to sue, but they cannot and will not, since they are illegal in the first place and hence can not approach courts!
If you want to know whether a lender is licensed to do business in your state, verify the information with your state banking regulator (www. consumerfinance.gov/askcfpb/1637/how-do-i-find-my-states-bank-regulator.html ) or attorney general (www. naag.org/current-attorneys-general.php )