Please Need Help - Being harassed about a Paid Loan
Hi I have a situation that I need some guidance one. Sorry, this is so long!
In 2008 I took out some online loan from Money and More out of California. I took out 4 loans and all of them I paid back on the assigned due date. In June 2010 I received a call from a collection agency saying that on one of the days I didnâ€™t pay back the loan. I went to my old back, got bank statements to prove that I did in fact pay it back. Fax the information over to the CA. A month later in July, I received a call from another CA saying again, that I owed Money and More money and that I did not pay back a loan. Again, I faxed over the information verifying that I did. Once again the same CA, but a different person called me in August of 2008 and after a screaming match I faxed over the necessary paperwork. Mind you from both collection agencies it was the same dates.
Date back to last week and I receive a voice mail on my cell phone from someone named Candice Marshall stating that she was looking for me because papers were being served in the Milwaukee District Court system (I live in Wisconsin) on an unpaid debt. She left me a number to call. I was going to ignore it, but when she called my sister yesterday and left her a message, I ended up calling the number she gave me. The number was 888-828-0867 and when I called last night they were not open, but it was for a place called SS Group. So I called back this morning and was told SS Group was not a collection agency, but they were the legal representatives of Money and More and that I was being served papers because of Check Fraud. After that I didnâ€™t let her finished and I gave her the story of the collection agencies and what I had been through already and that I would love to go to court to get this settled.
Thatâ€™s when she transferred me to their â€œsenior legal advisorâ€. When I asked him what date I supposedly did not pay back, he gave me one of the same dates that I had faxed to two different collection agencies in 2010. So then I asked why SS Group was even calling me if they were serving me papers. And he said they didnâ€™t call me Candice did and when I asked who Candice was he said she was with the Milwaukee County Sheriffâ€™s Department. I told him why would she give me the number to SS Group and he gave me some crap about getting a chance to try and settle. So when I asked what their address was he, wouldnâ€™t give it to me nor would he give me a phone number for Money and More.
I still have old emails from Money and More with my agreement with them and found an address and phone number. When I call the 800 number (800-397-3845) it just directs me to an email address. When I try the direct line (951-927-7333) it says â€œAll circuits are busyâ€. When I go to the BBB site to look up Money and More, it doesnâ€™t look like they are even in business any more.
This is getting ridiculous and Iâ€™m beyond fed up. I really donâ€™t think this is going to court, even though I was given a supposed case number. In Wisconsin you can look up court cases on anyone and I donâ€™t see anything under my name. I really want to file a complaint against Money and More and the SS Group but I donâ€™t know how to go about it or even what to do.
What should I do now? Any help would be greatly appreciated.