Portfolio Recovery Associates |
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Consumer reviews about Portfolio Recovery Associates |
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rs_quirt
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Dec 10, 2011
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They should be prosecuted
the cure from being a victim of portfolio is in the ability to hire a attorney, based on personal experience, the following agencies of any state are of no help against the collection attorneys .
1.}superior court and its personal and or clerks who fill file a proof of service for a local attorney at any time, without even asking any questions, result is a clerks a default
2.}in the state of california and or the office of the attotrney general, the public inquiry unit only take complaints for statistics, to see if the id theft crime is rising, if the AG would exercise his authorities perhaps the consumer would be just another number. {and victim}
3.}the law claims that they must validate the debt if you response within the 30 days, they dont if you mentioning to sue them, you better have a lawyer at your side otherwise it would not get any better based on the knowledge of item 1 and 2 .
conclusion
there is only law if you are represented by a member of the bar, if one consumer beats the collection firm in propria persona, they will have 4999 judgements out of 5000 .
this is a true and sad reality .so if you have any financial resources hire a "mouth piece"
and it will stop and it should, bud then the mouth piece sounds like"well live is not fair, and that is his reasoning., even if 20 consumer have some credit and or resources, that leave portfolio with 4979 judgements, thereafter . now take 2000 judgements that become judicial lien without proper court procedings {it only takes a clerk to fax a abstract judgement to the recordes office and pay 15.00 and bingo a hemorhoid has just been attached without any knowledge to the consumer and a bleweding of never ending pain, thenb take 500 judgements turned in to garnishment of private bank accounts without any proper court proceedings . the total of 2500 old and or zombie debt will be collected by portfolio, that they do not always pay for the debt acquired, they do it as a favor for another collection firm like they would do the same favor in return, to collect is the issue and if it without any prior investment makes it a profitable business and they will not give up such easy profit,
it is a bad habit but why obey the law if the laws are only practiced if a mouth piece is in smelling side and or is present. in total i have judgments of 120.000.00 against me, with accounts numbers manufactured to their numbers, and promised to have a judgment within 6 months against me, well it is a true fact, the city of Victorville n the county of san Bernardino in the golden state of California, that clerks like orona, Flores and many others with officers of the court named Robert Ripley, Medeiros can ask judges to lie with the office of the attorney general will defend the acts by the Hon allen, ochoa, sachs.davies nakata, fleuret and many others did lie for the members of the state bar hereby named. that this society is at a low point in regard financial, import, export because of the following recorded facts, the superior court judge is the best job that one can have, how eve if the true facts makes him hurt, and or he can not sleep because he shafted some one hard and deep, but they are also former members of the private club and or its called the "state bar " that is a "power full club of individuals that all have an ego complex and never make a mistake {perfect creation } and they also will become, judges and then politician and we ourselves elect, what are they doing to get your vote ? exactly they lie and between the members of the bar are cause for the deep shit we are in as consumer . i have seen more then one can tolerate and i was promised
.action in court Civvs 800649 {court }Civvs 800648 {Ripley}and Civvs 800269 the case a judgment against and for a collector .the date 08.06.2008 in case Civvs 800269 a minute order claims the defendant was in court on that day in that case, the proposed order claimed that the defendant was not in court, Allen and Ripley were eyewitness to the action ..
to top it off the office of the attorney general was counsel for the superior court in a civil rights action issue. employee brown for the AG brown, Edmund, the brown defense and ask me how deep the defense was, attorney acting for the aoc a div of the jcc and or responsible for an y unfair, bias and criminal offence committed by clerks
to get to the law, aoc issued gv code 945.6 and the employee of the state doj used ccp 430.10 {a-f} suing the wrong party and a claim with the vcgcb was mandatory and fatal .
That they do ask for favors to many times and are a legal liability upon our judicial system
{money talks and the consumer walks,
employees at the government agencies are a disgrace to the government, they are also a community and loyal .85 percent of judgment for are based on default, he was in court but then i was not with suing them at the same time {caution if a law is close by and or practiced in court, one must think that the court and Ripley become reasonable based on such legality
Disrespect for the law and court
That would not be the case. the oag has defended the California cooperation’s for making a profit with criminal action in nature, as an AG he clamed that he is an idiot {consumer, victim " in his defense were then his name is jerry brown and is elected governor for the golden state of ca. he is also the director of the vcgcb an agencies that is not n the best interest of victim of crime s committed against.
brown in a {defense } of ccp 430.10 and then jerry advise the idiot to sue the state of California for calling me an idiot all at the time .gov code sec 945.6 a total of 9 rejecters thru notices of such then the gov code is issued, warning claiming that you have 180 days to sue the governor {and or which agencies is the more insulting one, that employees use the name of the elected and appointed members of oag, jcc usdoj {central district of California it is for André
and or us attorney, that has almost covered from a to z, and the analysis of it all is in this short statement . i will keep on searching that there is one employee of a government agencies were the brown defense with his advise to sue the stated is such fine line crossed, the knowledge of "them "that new legal representation is available is the primary ground wherefore a search to find common reasoning be practiced at all times when a employee is under oath .that if Pinocchio is punished for lying. The court corridors {floors be a tide squeeze} .that is not funny it is sickening if any officer of the court can asked the ruling judicial officer to lie with a proposed order, and then they are witnesses to such primitive abuse of granted AURHORITIES, ELECTED AND OR APPOINTED .
if there is a unity among consumers then such must be demonstrated that to obtain a legal professional present the proper way of informing the proper employees that the employees complaint against present a legal liability upon the people of California, the defense in Civvs 800649 to be exact .
if any law would have ever been part of this collection practices in the superior court of California’s for and or in the county of san Bernardino at the Victorville TO POINT THE FINGER at Ripley.
Portfolio. Recovery claimed that they purchased fraud from fia card system because an active case in this fraud was dismissed by the court, thereafter portfolio claimed that the purchased the dismissed debt .the case Civvs 701752 date 10.30.2007 {dismissed } that a dismissal only counts when an attorney is in the case, it is then pertly dismissed and if a consumer is being granted a dismissal of fraud then Ripley just commits more fraud to make a bad point on public records {3 agencies that rather talk to attorneys then hear a consumer .they can change your address even if I lived their for over 20 years I don’t have the granted courtesy to inform the agencies that is not my home address.
If the court dismissed the case and judgment against is the final disposition of such collection act I would call it unfair debt collection practice pursuant California civil code sec 1788 and or under what authorities can Ripley ask the Hon Allen to lie ? because his name is Ripley ? it was not the law that ruled in the judicial branch were ruling could end in murder suicide {lemkau}
It is deep in san Bernardino corruption has been accepted, Ramos on the board founded by the elected attorney general kamala Harris with Edmund becoming jerry, where nca became sacor .they all change names without any problems . it is to only granted bud not for the rail roaded consumer, who is the economy, you treat us bad we will not buy, pretty soon no employment available only in the “service } business and pretty soon the consumer will have any buying power, the service is on the service we the consumer need we got up every morning in a life of politics{ I don’t have a brown tip on my nose
30 years of building a credit score of 820 that was destroyed then in less then 2 minutes and I owe over a 120.000.00 for debt that is not my obligation based on the account numbers used to collect, with asking for a favor by the ruling authorities and defendant the superior court is a respected source for material evidence court proceeding and minute orders I was there on that day and he proposed that the defendant aka idiot was not, what reasoning the officer of the court have to propose such order
I will approach a court and it is in riverside of federal jurisdiction, how ever to be represented would
B e the best legal foundation based on ccp 430.10, the state court have disqualified themselves based on the altering and deleting court records {court of appeal}.
What legal defense be their available for the judicial branch ? well the only defense the oag and jcc have practiced is ignorance {brown for brown 12.29.2009.
It is just sharing thoughts in regards this cooperation for profit .it is a loyal group of citizens no more no less. they can shit on a consumer when ever they have a need, that employees of the state and us attorneys practicing obstruction of justice to be the proper accusation and not to forget who it is for.exhibits will be uploaded
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moonpies
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Dec 10, 2011
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They should be prosecuted
do you owe the debt? If the debt was from 15 years ago, they have probably been piling on interest which could easily make it $10, 000 by now. But then again, you should be well out of the SOL by now.
You need to send them a Debt Verification Letter via certified mail to get amounts and dates, to show you are out of the SOL.
http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
Dont' bother asking them to verify it over the phone, they won't do it. It must be in writing, and with certified mail so you have proof they received it. If they keep calling thats when you send a Cease and Desist letter to demand they cease all communication with you over the phone. Remember also do not agree to any terms or arrangements on the phone or they can use that to restart the SOL.
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thhhynes
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Dec 27, 2011
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Fraudulent Debt Collection
These people are really easy to deal with...I got a notice in the mail...I did research...on Statue of Limitations, Licensing with in my state to collect such a DEBT (they had no right in my state) ... Now in my case I had LOST my job and was NOT eligible for unemployment benefits...I had 4 outstanding debts... the most important one NOT to default on was the Car Loan because with out a car I really would of been stuck. The first thing I did was to call the loan company, explain the situation and that they would be getting payments on a regular basis but NOT for the entire amount...the Lady that I spoke to was really nice...I called her 2x a month to keep her up to date on the situation...
1 Personal Loan and 1 Credit card from a local bank...they took me to small claims...I hammered out deals and I paid them in full
1 Credit card I just could NOT pay on...with the court judgement and the car there was just no money...but the Credit Card company called and wanted to settle...they said...basically... Pay 35% of the entire amount and we will all it even...they wanted 3 payments of $425...I agreed...the remaining balance was $2100 that in the letter I got from the Credit Card company was written off...bad mark on my credit yes...but we settled.
Fast forward 9 years... this PORTFOLIO RECOVERY ASSOCIATES mailed me a letter and wanted to collect the ENTIRE amount owed on that credit card...I was thinking how can this be?...I did my internet search and laws and etc...and I found this letter on the internet...I sent it to them...I have NOT heard from them since the mailing that I got this Past October 2011...
Regarding your account number: 5046620600891436
I am sending this letter to you in response to a notice I received from you on October 12, 2011. Be advised, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and a validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired
Show me that you are licensed to collect in my state; and
Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau’s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
This letter shall also show (but not limited to) you, your company, computer generated calls, computer generated letters or any of the third parties that you hire, employ, or any of Portfolio Recovery Agency employees or legal agents are NOT to contact me other than written correspondence.
Any violation of this will be considered as harassment and I will have no other recourse then to inform all agencies and the State Attorney General of your actions.
Any attempt to contact me other than written correspondence will be followed up with my States Attorney General and with any other agency that has jurisdiction over such practices.
All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
For those of you who need a strong letter...this worked...they have never called me at home/work/or emailed me or mailed me a letter!
Good Luck folks...
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BSPPL2
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Dec 30, 2011
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Fraudulent Debt Collection
so, uh have any one of you thought about actually talking to the other person on the line? they would prlly help you if you would just talk it out, right?
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BSPPL2
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Dec 30, 2011
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Fraudulent Debt Collection
one last thing, i have 9 things i just wrote down as reporting negatively on my credit report. ranging from med bills to credit cards ...im in the same boat...if the person you are talking to is treating you like shit, hang up and call back. collection companies operate in call centers, so when you call back you will get someone else. and if you truly want to resolve the matter (if it is not yours, or if you want to actually pay it) you will.
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Lynn McCall
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Jan 29, 2012
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Fraudulent Debt Collection
They are a FRAUD! sent me a letter. I called the company that they said i owed and the company states my account is good and they did not authorize PRA to contact me. Glad i didnt send them $.
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JOHN C. SNYDER
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Feb 8, 2012
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Digging 12 year old debt
I also am going through the very same, unfortunately capital doesn't want to do the right thing.They took a $259.00 dollar balance that was paid off, then turned it into a 1300.00 dollar balance, now keep in mind that this is from 2004.Give me a break, these scam artist need to be dealt with, they have threatened me as well, doesn't even show up on any of my credit reports, probably due to the fact that the balance was paid in full and the card destroyed, so now unfortunately I have to go through the hassle of hiring an attorney to protect myself from them.
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Christian H
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Feb 1, 2013
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leave me alone!
They won’t leave me alone saying that I owe them money! I don’t owe anyone anything! I know all of my debts! And I paid them all! How do I get them to leave me alone???
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vec
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Feb 26, 2013
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I will not pay!
The letter states that I have to pay $250.00 which I owe, otherwise they will sue me. They said that I can pay off $80.00 at first, then later the rest of the sum. But I never had services from them! How can this be?
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Aghora33
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May 18, 2013
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Avoid at all costs!
Portfolio Recovery Associates is just another bait and switch company! I used their services time ago and I was simply scammed out of money. after I made a payment I never heard from this company anymore. It seems that they simply don't have any customer support service. Beware and better avoid this scam!
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