I was contacted on Monday, August 26, 2013 by someone claiming to be from a private firm by the name of Kern & Brownstone from Los Angeles, California. They wouldn't give me a physical address saying they don't give out the physical address but they had a PO box. These people threatened me saying an arrest warrant would be issued within the next 24 hours to BSO (Broward Sheriff's Office) because I had a debt with CashNetUSA and I had committed bank fraud or something to that effect. Being frightened of being arrested and being in a panic, I have already sent these people some of the restitution amount they supposedly would take. I paid $1,000 with my bank card and the resitution amount is $1,362.74. Now after I calmed down a bit and got my head, I called CashNetUSA about two days later and they said I never had a loan with them. I did apply for a loan with them but I ended up being denied which is why I'm guessing I panicked because that name did sound familiar. I tired calling the name that showed up on my bank statement which said "Fair Credit International" but all I get is some voice mail. I have already closed that card and also my checking account and have also disputed the charge with my bank. Kern & Brownstone states that CashNetUSA sent numerous letters to my house about my debt which I vehemently deny because I never got any collection letters from them on a loan that never existed! I previously made an arrangement to pay the rest of the money today (09/06/2013) and Kern & Brownstone has already called and left a voice mail saying that my card was declined for the rest of the money (obviously because that card doesn't exist anymore). It kind of baffles me that they wanted the money at once and were going to send cops to my house within 24 hours if I didn't pay them the money but all of a sudden, they were willing to wait for the rest of the money??? I do not want to pay these people anymore money especially if it is on a loan that I never had and also because I don't think you can go to jail for owing debt (which I did not know before). But I also do not want to go to jail. What should I do?!? I did ask for some kind of proof about owing this loan and below is the e-mail they sent me ( I have deleted my personal info):
Re: Case 372764
It has come to our attention that your account with CashnetUSA , Inc.(“client”) is in default. As you will recall, you entered into a law abiding contract (“agreement”) with CashnetUSA , Inc.(“client”) and gave check #0 (“check”). Our records indicate that the check left for collateral was proven worthless and all collection attempts have failed.
Pursuant to the terms of the agreement, at this time your case is being transferred from Oasis Financial Inc. to Kern & Brownstone to be processed and filed with Broward county (“current county”). Under statue 15 USC 78u-3 there is now a cease and desist in place between (“defendant”) and CashnetUSA , Inc. (“plaintiff”). If you have any questions regarding your charges prior to submission, please contact Kern & Brownstone fraud department at 213-375-3961 and reference case # 372764.
Thank you for your prompt attention to this matter
Oasis Financial Inc.