• Report: #235976

Complaint Review: Legal Mediation Practice

  • Submitted: Wed, February 14, 2007
  • Updated: Mon, June 20, 2011

  • Reported By:Vandalia Ohio
Legal Mediation Practice
1919 Blanding Blvd. Jacksonville, Florida U.S.A.

Legal Mediation Practice Intimidation and Abuse Jacksonville Florida

*General Comment: good credit

*Consumer Comment: PayDay Loans Versus Emergency Miliatary Relief

*Consumer Comment: Pay your bill

*Consumer Suggestion: Hardship loans aren't a long drawn out process

*Consumer Suggestion: Hardship loans aren't a long drawn out process

*Consumer Suggestion: Hardship loans aren't a long drawn out process

*Consumer Suggestion: Hardship loans aren't a long drawn out process

*Author of original report: Tips

*Consumer Suggestion: NOT SURE

*Consumer Comment: Why did you not use the "on base" assistance?

*Consumer Suggestion: Lourl

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As a sudden single mother when my husband was shipped off to Iraq I know I was going to have some rough times, but this is crazy. As happens from time to time, my husbands pay was not processed correctly one month and I need to do an Payday Loan. I received the loan and paid it back as soon as I got my check. then ofcourse I had to do another loan to live until my next check or my husbands pay came in which ever came first.

Long story short, I ended up in a very large hole. Although the government admits the error they will only pay overdraft fees to my account, and this is a long process, it takes months for the government to work this out.

I contacted the leander and informed them of the situation and that I would pay it next month on the following date. As I was two weeks over due on the repayment, it seemed that my call was good enough.
Apparently not, the next week (today) I received a call from Mr. Clark from Legal Mediation Practice at work today. He called a total of seven times in a four hour period while I was in meetings all day. He called again and finally reached me.

He then threatened me with fraud charges for writing a bad check and said that he would contact my employer to begin garnishing my wages and I had one hour to come up with the full amount on a debit card. He then told me that I could save myself the embarrassment of my employers knowing this information by paying right away. He said that it would be a good idea because employers today will fire associates for defaulting loans because they can not be trusted. He suggested that I call all of my family members and ask to borrow the money.

After our conversation I wanted to research the company so that I could see what kind of company would talk to anyone like that. I was unable to find anything at first other than sites with many people that had been through the same thing with this company and it had great advice on there contact information and what I need to do next to protect myself from this awful treatment. I had and have every intention on paying this loan and have very good credit.

After reading all this information, I called them back to receive a address and website. They said that they do not have a website at this time and refused to give the address to me and said that I can now go through my original lender. I have found drafts of the Debt Validation request and Cease and Desist and I am sending it via certified mail first thing tomorrow to stop this awful treatment. Thanks to this website, I now know my rights and the tactics there are not allowed to use.

Lourl
Vandalia, Ohio
U.S.A.

This report was posted on Ripoff Report on 02/14/2007 10:00 PM and is a permanent record located here: http://www.ripoffreport.com/r/Legal-Mediation-Practice/Jacksonville-Florida-32210/Legal-Mediation-Practice-Intimidation-and-Abuse-Jacksonville-Florida-235976. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 General Comment

good credit

AUTHOR: billcollector1 - (United States of America)

My only question is if your credit is so good, why, if not wanting to go through the military for whatever reason, would you not just go to your bank and get a loan???  I agree with the other responses in that, your story does not add up.  Pay your debt and be done with it..
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#2 Consumer Comment

PayDay Loans Versus Emergency Miliatary Relief

AUTHOR: Lizard4280 - (U.S.A.)

I work for the federal agency that issues military pay. A mix up in pay or some other problem is a long excruciating process to fix. sometimes it takes two weeks to fix, but there are military pay problems that take months and moths to fix too. I can see why a short term payday loan would look more inviting than dealing with that department or some other emergency fund. It's the mythic government red tape, versus the ease of a payday loan.
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#3 Consumer Comment

Pay your bill

AUTHOR: Bad Rep - (U.S.A.)

I am not affiliated with the company mentioned, however felt it necessary to chime in as being an industry collection manager as well as the wife of a Navy enlisted officer. First and foremost, if you have "warranted" financial hardship Navy relief as well as other military branches cut you a check the same day you request it. There is a process, verification of enlistment, financial review and necessity review as well to determine whether you are qualified for a hardship relief. If in fact they verify with PSD (Personnel) that your husband's pay has been inaccurate for any reason, their involvement would speed up the process and if they are unsuccessful in their attempts, they would usually cut you a check to cover your NECESSITIES (housing, utilities, food, etc) as well as recommend other sources of assistance.

Secondly, the practices that you deem untactful and unlawful would come as a result of your failure to acknowledge and willfully resolve your debt which you claim you are full responsible. FDCPA is in place to dictate and regulate unlawful conduct of a collection agency or such, however, in your case seems that you are more concerned with how you can avoid paying the debt verses actually paying it and rectifying a situation you let escalate. My "tone" would reflect that of someone who works hard, pays my bills and doesn't incur debts I am uncapable of repaying NOR spending money I do not have.

Let's not borrow money we can't repay, and perhaps this won't be a further issue. The time you took to write, read and respond to all of this you could have found that same initiative and time and got this taken care of. Wouldn't THAT make you feel better? I know it would for me. What's wrong with THAT picture?
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#4 Consumer Suggestion

Hardship loans aren't a long drawn out process

AUTHOR: Steven - (U.S.A.)

Disagree that hardship loans are a hard drawn out process. All you should have to do is go to your ombudsman or equivalent and ask. Being a dependent they would probably notify your husband to have a garnishment worked out.

If you keep on asking for one you may start to have some problems though. It would look like your husband was providing properly for you or you were more money than you should be
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#5 Consumer Suggestion

Hardship loans aren't a long drawn out process

AUTHOR: Steven - (U.S.A.)

Disagree that hardship loans are a hard drawn out process. All you should have to do is go to your ombudsman or equivalent and ask. Being a dependent they would probably notify your husband to have a garnishment worked out.

If you keep on asking for one you may start to have some problems though. It would look like your husband was providing properly for you or you were more money than you should be
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#6 Consumer Suggestion

Hardship loans aren't a long drawn out process

AUTHOR: Steven - (U.S.A.)

Disagree that hardship loans are a hard drawn out process. All you should have to do is go to your ombudsman or equivalent and ask. Being a dependent they would probably notify your husband to have a garnishment worked out.

If you keep on asking for one you may start to have some problems though. It would look like your husband was providing properly for you or you were more money than you should be
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#7 Consumer Suggestion

Hardship loans aren't a long drawn out process

AUTHOR: Steven - (U.S.A.)

Disagree that hardship loans are a hard drawn out process. All you should have to do is go to your ombudsman or equivalent and ask. Being a dependent they would probably notify your husband to have a garnishment worked out.

If you keep on asking for one you may start to have some problems though. It would look like your husband was providing properly for you or you were more money than you should be
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#8 Author of original report

Tips

AUTHOR: Lourl - (U.S.A.)

Don: The reason for the Debt Validation is that this company has sent me nothing in writing and I have had several tips from others that have dealt with this company and suggested that. I know I owe it, but to who? Legal Mediation is a comapny I can not find anything on. For all I know it could have been some guy that worked for the loaner and took the info, because I have nothing that says it was turned to them and the way they practice their business is very fishy! That is why I sent the request, not to despute it in any way.

Robert:
First and foremost sir, I assume from your "tone" you work for Legal Mediation. Yes, there are many great resources available to military families, but it isn't all black and white. These "loans" from the military are a very and drawn out process. They have to contact the Adjent General's office and prove the payment had not been received, this can take days to weeks, also we have to prove that the money was never deposited to the account. Second, the nearest base to here is about 40 miles, with no access to cash and barely any gas to get back and fourth to work and getting my kids to school it wasn't actally easy to get there.

I work sixy hours a week on average during the Nov.-Jan. months due to being in retail and when ever I leave work I must go and get my children as soon as I can so that I do not have to pay extra daycare. Now, when this issue first arrived I was sure that the military would have the pay problem worked out within days, so it was much easier to go and get the payday loan.

Now as time went on I still had not received my husbands pay, I did call his armory and speak with one of the officers and they cut me a small check to pay for grocery's and child care. the armory is over 100 miles away, so I had to wait for the check to arrive via overnight mail. When I arrived at the bank and deposited the check the funds were not available right away, so I would have to wait until the next day to pay back my payday loan.

Again going to the bank the next day and there was not enough in the account due to the internet side of the bank that I had talked to had not stopped the automatic bill pay like we agreed. After two days of fighting with the Internet Bill Pay, I gave up on that. Long story short, these loans that you speak of are not a gaurentee to military familes, they must take one at a time and determine the great need for the loan. The checks cut from the emergency fund can only be a portion of the pot.

This is emeregency funds for all the familes of the deployed soliders. Now, yes I could have dug deeper and fought for more than what I had, but time and money constraints were an issue. Do to the covinence of the Payday loan two minutes from home, I opted for that, which I will never do again, my issue is not about my ignorance in loans and why I opted for payday loans, my issue is with Legal Mediation and their tactics.

Calling a person at work, which is their right, but threatening them with jail and giving a person and hour to come up with cash or else, and suggesting that they take another loan with another company, which is illegal in Ohio to have more than one payday loan out at a time, and telling that person that when they call their employer that they will lose their job when they start to garnish my wages, is not legal practice.

The issue sir is not why I took out the loan, it is the intimidation that this particular "company" uses. Now if you wish to lecture me on the dangers and pit falls of payday loans, there is no need, but your attitude about me not exploring my options are typical of a Legal Mediation Associate. I'm sure on the internet all these options for military assistance look wonderful and rosy, but in reality sir it isn't as easy as you think. I did not come on this site and fill this report out to be talked down to about taking this loan out. That is why I am assuming you work for them. If you do sir I urge you to stop your illegal and unneccessary tactics.

Telling me to take this other route is not an option because it is already done. I will not be harassed by this company again. The loan will be paid in full but to the original creditor, not Legal Mediation. I will do all that I can to make sure this company's tactics are known. I have received many messages from others that have had horrible experiences with them as well.

I thank these people. Some are former associates of this comapny and thanks to them I now have the address to send these requests, because Legal will not give it to you in any way. They have no web site and when you call they will refuse the address. When you enter the search of the phone number in hopes to get an address, there is no information available. Why would I send these people money? In the future if money troubles arrise the cost of dealing with this company would be far too high.
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#9 Consumer Suggestion

NOT SURE

AUTHOR: Don - (U.S.A.)

Not sure on this, but I don't think Legal Mediation Practice would be bound by the FDCPA as they are probably collecting for the Payday loan company. Purely assuming this becuase the loan has not been charged off, if it is only almost 3 weeks overdue. First party collectors are not bound by the FDCPA, but generally follow it.

Just a question, in one paragraph you say "I had and have every intention on paying this loan and have very good credit.", and admit that you owe this. Why send a debt validation request? I can definately see the cease communications letter, but why do they have to prove you owe the debt, when you have admitted that you owe the debt?
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#10 Consumer Comment

Why did you not use the "on base" assistance?

AUTHOR: Robert - (U.S.A.)

You could have gone to Navy Relief, and gotten a grant, or a ZERO interest loan. They do that every day for cases such as yours.

You could have also gone to your husbands' command and gotten a check cut.

Something here doesn't add up.
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#11 Consumer Suggestion

Lourl

AUTHOR: J - (U.S.A.)

This company is a COLLECTION AGENCY, they must follow the law as set down within FDCPA.

Alot of collection agencies use names to confuse people into thinking there some sort of legal agency.

In your letter to them, you must tell them not to call you at home and work, that the only way to communicate is by U.S. Mail.

Wage garnishment, must be thru the courts, a collection agency can't call and say you owe money and I want an X amount of dollars taken out of his/her check and send to me, Half the debts at collection agencies are not the person there looking for, and the amounts there requesting is generally incorrect.

collection agency must provide you with an address if asked.

Document everything, create a paper trail, get statements from people at work, if anything was said to them. get copies from the government on what was told to you.

Payday loans must follow the TILA( truth in lending act) most courts consider these loans credit transaction. they must give certain informaiom in there documents to you.

If you pay this, make copies of everything and sent it (RRR), you should think about closing your checking account, now that this collection agency has your account info. Think about this Mr. Clark and the way he acted he now has you account number and a way to your money.
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