This is a story I need to tell, even if no one will listen.
I’ve been contacted several times, always and only via telephone, by a company called NCS. They claim to be a arbitration company contacting me on behalf of a company I am being reported as owing money to. We’ll get to that in a moment. The problem with this is two-fold. One, I don’t owe the company in question any money. Two, I am being denied my legal right to dispute the debt in writing, because NCS will not provide me with a physical address to which I can send a letter detailing my disputing the debt in question and why I am disputing it. When I’ve disputed the debt over the phone, they argue with me and clearly refuse to listen to anything I have to say1. NCS cannot even get their story straight because the first person I spoke to said criminal charges had been filed against me, while the second person I spoke to said that they were trying to collect the debt before further action was taken2. Now, let me tell you a bit about this debt.
According to NCS, on October 3, 2011, I received what was, in essence, a payday loan from SGQ Limited. Also according to NCS, I gave a checking account from which SGQ Limited could take payments on this loan, but I defaulted on my required payments. They were able to give me the last 4 of the account number, the bank, the date the money was allegedly received by me, the address on file, the last 4 of my SSN, my employer, and the email address used to apply for the loan. There are a few issues with this:
- The date the money was applied for/received is in 2011. The address given to the company was an address I hadn’t lived at for over 2 years at that point.
- The employer that was given was an employer I hadn’t worked for in 3 years at that point. The problem with this is that these places usually confirm your employment before providing the money to you, and the employer wouldn’t have confirmed my employment there in 2011 when I stopped working there in 2008.
- The email address used was one I hadn’t logged into for at least 3 years, if not more and was an email address that I didn’t normally use for anything related to finances or business. In fact, that email address probably wasn’t even in Yahoo’s system anymore by that time since it had been so long since I’d logged into it. There was one business/finance related person/entity that had the email in question and that was my landlord from 2006-2009.
- The checking account in question had been closed right after I left the above mentioned employer in late 2008, early 2009. I didn’t have a checking account with any bank in 2011. So I couldn’t have given a checking account for repayment of the loan. Also, those online payday loan places only ask for one checking account—they both deposit your loan into and take your payments from the same checking account. You don’t get the option of entering one to deposit the money to and another to take the money from.
- I didn’t receive any money. The roommates I lived with can attest to that. The only money I received in October of 2011 was a student financial aid refund from University of Phoenix and a single paycheck for the three days I worked for McDonald’s. Those were both toward the end of October, not at the beginning. The student loan refund went to a prepaid debit card. The McDonald’s check was a paper check I had to cash. I knew I was getting the student loan refund to pay any living expenses I had, so why would I even bother getting a payday loan?
There is ONE person/entity who had access to all the necessary information to create this loan, and that was my landlord. He had my SSN and email from my application to rent the apartment. He had my old checking account info because I wrote him checks for my rent from the account. My employer was listed on my application to rent the apartment and I had to keep my landlord updated on where I was working in case of emergency.
But this still doesn’t explain how it was that SGQ Limited didn’t check to make sure I was actually employed by the company listed as my employer on the application. It doesn’t explain how a checking account that had long been closed could possibly have been used to receive the money for the loan—it should have bounced back to them because the account was closed. It doesn’t explain why this happened in October of 2011 and I’m just now hearing about this in 2016.
It doesn’t explain why NCS told me on the first call that criminal charges had been filed for writing a bad check and attempting to defraud a financial institution. I explained that I had not had any sort of payday loans since 2009 and that SGQ Limited was not who I had done those loans through. I even gave them the name of the company that had done my payday loan3. The person I spoke to said they’d update my file with the information I’d given them. She obviously didn’t since I got two calls again today. However this first person was not able to give me the following:
- The date of the loan.
- The amount of the loan.
- The bank name or last 4 of the checking account number.
- The employer given.
- The address given.
- The email address given.
The second person I spoke to was able to give all of the above except for the amount of the loan. That still eludes me. They want me to pay off my debt, but can’t or won’t tell me what amount I supposedly owe. She just wanted to argue with me that if I could confirm that I’d had any relationship with any of the information regardless of when it was, then I had to be the one who took out the loan. Apparently identity theft is not an option in her mind. All she wanted was a credit card number to get this paid off, which I refused to provide on the grounds that I did not take this loan out in the first place, I did not receive a dime from this SGQ Limited, and I do not owe the debt. I asked for an address send in my written dispute and she refused stating they’d sent me several letters which I’d ignored.
Well considering they were sending them to an address I haven’t lived at for 7 years now, if they were sending them in at all, I didn’t receive them. But there are two reasons why I believe this debt is a scam by SGQ Limited.
- If you Google SGQ Limited, you’ll find a plethora of cases where people have reported being harassed by collectors for SGQ Limited payday loans they never applied for.
- The phone number NCS is using to contact me was not my number at the time I allegedly applied for the loan. All the information they recited to me was old. The problem is, I didn’t get the phone number until December 2011 and the loan was allegedly applied for and granted to me in October 2011. It is literally impossible for them to have the correct phone number if they are going by what SGQ Limited states was on my application!
The second person refused to tell me what phone number the loan was applied for with… but if they only had the wrong address, how did they get the right phone number? My phone number the entire time I was at that address was completely different than the one I have now. So how did they get the number? There are so many holes in their story and so much they “can’t” tell me4.
So I decided to use my blog to tell my story since NCS will not allow me to do so in writing, as is my legal right.
- Of course, they do, they’re trained to be that way. ↩
- So which is it? Have criminal charges been filed or are they collecting the debt before it goes any further? ↩
- Check Into Cash, a national chain that has several locations in the city I live in. I did all of my business in person at one of their locations. I also know for a fact that all loans from there are paid off, and SGQ Limited is NOT associated with them. ↩
- AKA WON’T tell me ↩