At 1:15pm on August 7, 2008, I received a phone call at work from Ryan Cruise of the Legal Affidavit Office. He stated that charges had been made against me and that I had to appear in an adjudication court case the next morning. He stated that I had taken out a payday loan in 2007 and when they tried to take the payment from my Wachovia account (which I did not have) that the payment was returned. As a result, I was been picked up by the legal officers and sheriff and taken before the judge for check fraud, among other charges.
Mr. Cruise spoke in a foreign accent and was difficult to understand. He stated that he had to read the affidavit of service to me. As he read, I became more hysterical. I advised him that this was the first I had ever heard of this matter and not only had not taken out this loan but did not have a Wachovia account in 2007.
He refused to tell me the name of the loan holder other than US National Bank nor would he tell me the original loan amount or date of the supposed loan. He said that I owed $5,484 and they had plenty of proof that I owed this money. He had my SSN, home address, work information. He stated that I had to pay this amount to not be taken from my work by the sheriff the following morning. I went nuts!
I finally transferred me to him supervisor, Paul Thompson. Cruise had told me that at 4pm this day, the warrant information would be downloaded and there would be nothing he could do to stop it. Thompson was absolutely nasty. He told me that if I had paid my loan then I wouldn't have to worry about the sheriff coming to my employment and taking me to jail.
Finally, I asked for his name, phone number, and company's name and advised that I would have my attorney contact him. I called my attorney and provided the information. He was unable to obtain any information either and they even hung up on him. He advised me to contact the police dept with this apparent scam. I wasn't convinced.
I searched online for the Legal Affidavit Office and found the other reports that were verbatim what I had been through. It was then that I realized that I had been put through h*** as part of a scam. I contacted my attorney again and provided him the website information.
Believe it or not, I received a second phone call from Cruise at 5pm the same day. He said that my attorney was supposed to call but they had not heard from him. I assured him that my attorney had called and been hung up on. I provided him name and phone number. Amazingly, Cruise wasn't nearly as nasty when I provided this information. He hung up rather quickly.
I then contacted the local police dept. An officer came to my home and a report was taken. The authorities and federal offices were contacted.
These people are very good at what they do. They are aggressive, hateful, forceful, and say everything to make you believe they are for real. I hope someone takes them down for the fear and trauma they cause with this.