• Report: #722729

Complaint Review: Marauder Corp.

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  • Submitted: Wed, April 27, 2011
  • Updated: Sat, April 30, 2011

  • Reported By: Andie — Brewster New York United States of America
Marauder Corp.
74923 Highway 111 Indian Wells, California United States of America
  • Phone: 8004600082 7604231100
  • Web:
  • Category: Loans

Marauder Corp. Nationwide Capital Recovery Fraud collection company trying to make me pay on a loan that I payed off in 2005. They came out of no where, 5 years later saying I owed money still on a payday loan. Indian Wells, California

*Consumer Comment: Stacey

*Consumer Comment: Steve

*Author of original report: Marauder Corp

*Consumer Comment: Stacey, not completely accurate.

*Consumer Comment: Steve

*Consumer Comment: Disputes MUST be done a certain way to protect your rights.

*Consumer Comment: Info for you

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        I started getting phone calls from an agency called Nationwide Capital Recovery saying I owed $508 on a payday loan I took out in 2005.   The first call started in November of 2010 (5 years later). I knew I had paid all my payday loans up, so I was floored.  I called the agency and talked to a Samantha Smith.  She claims I never finished paying the loan and now I am going to court, and I should make payment arrangements with her to avoid court.  She also informs me that this is on my credit report.  I hadn't seen this on my report, so I thought she was bluffing.    I told her I paid all my loans off in 2005 and do not owe a penny.    I asked her to send me the documents.    

        What I received was another document this time under a different name, Collection Professional Services out of Rancho Mirage, CA. But it is the same phone number.   They attached a copy of what looks like a payday loan where I borrowed $300.00.   They show that my bank account where the deducted each payday $84.00.   The document they sent me shows that I paid $ $1,344.00 back on this loan (keep it mine, it was a $300.00 loan.)  I suddently remembered this company, it was called American Webcash.   I remember they kept deducting out of my account even well after the payday loan was paid off.  I called them back in 2005 and asked why they are still deducting out of my account and they said I signed up for a "club."  I told them I did not want to be part of this "club."  I went down to my bank and closed the checking account back in 2005.  

        In the meanwhile, I check my credit reports and sure enough, there is a strange posting from yet a different name, Marauder Corp.  same address in Indian Wells, CA.  Stating I owe $508.00 on a rebate/ bad check.    I disputed the information with Experian and it came back as valid debt owed.   I called the Better Business Bureau and all they really do is mediate, and they said that I need to call the colleciton agency and work it out.     I wrote the Attorney General, and received a form letter back.  I called the Federal Trade Commission, and all they do is  make a "report."   

      I am floored, I did not sign up for this "club."  I paid back $1344.00 on a $300.00 loan.  Isn't there any regulation or laws on what a payday loan company can do and not do.  How can this so called colleciton agency be allowed to just post anything they want on my credit report.   Why do they use different names everytime they contact me, and then post on my report under a different name? Is that legal?  How can they call me 5 years later? IS that legal?

     I will never pay this company another dime.   I do not what to do to get this off my credit reports.  Does anyone out there know what I can do and what my legal rights are? 

        

This report was posted on Ripoff Report on 04/27/2011 12:02 PM and is a permanent record located here: http://www.ripoffreport.com/r/Marauder-Corp/Indian-Wells-California-92210/Marauder-Corp-Nationwide-Capital-Recovery-Fraud-collection-company-trying-to-make-me-pay-722729. 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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REBUTTALS & REPLIES:
1Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Stacey

AUTHOR: Steve - (USA)

Stacey

I'm not "lecturing" you, but you are obviously not getting results with the current methods. You are correct, I am not an attorney. I never claimed to be. BUT, that works in my favor, as I can do things your lawyer cannot do as I am not bound by the bar.However, I have sued large corporations. I had one stonewall me for 2 years. I drew up my own complaint and sued them in federal court. Represented myself. Got low 6 figures. Got paid.

So, I actually do know what I'm talking about. Your lawyer is obviously an idiot, or is just lazy.   I stand firm in my opinion that I would get paid. At this point, you have the judgement, right?   That's all you need other than a forensic accountant.
Public records work too.

Take the case to the DA for criminal prosecution for the comingling of corporate funds and embezzlement. Another trick to find someones bank account is to send a garnishment order to every bank in the area.If he doesn't have an account the bank will tell you. If he does, you got him. It's like fishing. But I play dirtier than that. I would show up at his house.
I would follow him everywhere. I would make sure he has nothing to drive. I play dirty. I play for keeps. I would get paid.

>>>>>>>>>>

AUTHOR: Stacey - Dallas (U.S.A.)SUBMITTED: Friday, April 29, 2011POSTED: Friday, April 29, 2011

I know that and that is what my Attorney is working on - last time I looked you are not an Attorney.  We have sent this idiot time after time deposition notices but he refuses to show up - hell he did not even show up for court.  I have volumes of documents (and I mean binders - 4 to be exact) of court motions.

I know this company alot better than you do so please do not lecture me about how to handle this.  As for the OP - do what is advised and if they violate any cease communication letter sue em.  You won't see a dime but at least  you will have the satisfaction that Ryan G will finally be put out of business for good.


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#2 Consumer Comment

Steve

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

I know that and that is what my Attorney is working on - last time I looked you are not an Attorney.  We have sent this idiot time after time deposition notices but he refuses to show up - hell he did not even show up for court.  I have volumes of documents (and I mean binders - 4 to be exact) of court motions.

I know this company alot better than you do so please do not lecture me about how to handle this. 

As for the OP - do what is advised and if they violate any cease communication letter sue em.  You won't see a dime but at least  you will have the satisfaction that Ryan G will finally be put out of business for good.
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#3 Author of original report

Marauder Corp

AUTHOR: Andie - (United States of America)

Thanks for all the advice.  I will be looking into all these avenues!  I feel like this is taking over all my time, to file all these reports, and to dispute all the credit reports.   It isn't fair that this organization can just do this to people.  From what I have read, there are so many people who had similar things done, and they still exist so this makes me wonder why are the Better Business Bureau, and the Federal Trade Commission, Attorney Generals Office and the Major Credit Bureau's allowing it to go on.   I am so surprised how "unhelpful" these places have been to me!  Thanks again!
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#4 Consumer Comment

Stacey, not completely accurate.

AUTHOR: Steve - (USA)

Stacey,

I know you have sued Marauder Corp, and won, and now have a judgement.However, the rest of your statement is not accurate, under the law.

Here's why.Notice the name of the "company".It is: Marauder Corp.A Corporation. A corporation is NOT an individual, and it is illegal to "comingle assets" between an individual and a corporation. The person you are going after is just an officer of the corporation, NOT the owner.

Believe me, if I got a judgement against a Corporation, I WOULD GET PAID. Youu can file liens on any corporate assets.
You can garnish any company bank accounts.You can get a forensic accountant to go through the books and do asset searches.
If corportate funds are being hidden in personal accounts, that is a FELONY. It is called embezzlement.

Lots of avenues here.

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#5 Consumer Comment

Steve

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

Your advise is correct but this jacka$s will never pay. He owes me and my Attorney money for a judgement I got against him for many reasons.  He hides his assests in his wife's/girlfriend's name and the fight continues.  I suggest you send them a cease communications via certified mail with return receipt requested.  Keep copies of all this information.  Mr Gambrill does not follow the law and his actions show that he thinks he is above the law.  You can sue but you will never see a dime - I have had that proved in court.   

If your Secretary of State requires that Debt Collector must have surety bond on file check it out.  The State of Texas does and this loser does not have one.  File a report with your State and just don't reply to their calls - let the voicemail/machine pick it up. Once again go to www.budhibbs.com and read about this loser.
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#6 Consumer Comment

Disputes MUST be done a certain way to protect your rights.

AUTHOR: Steve - (USA)

First of all, STAY OFF THE PHONE!!!

Phone calls do not protect your rights.

Phone calls cannot be used as evidence in court.



Second, written communications mean absolutely nothing if you cannot prove exactly what you sent, and who recieved it, and when.



All communications need to be IN WRITING, and sent ONLY by CERTIFIED MAIL, RETURN RECIEPT requested. You need to put the certified# in the body of the letter and keep a copy for your records. This proves exactly what you sent.



Also, NEVER sign anything you send to a bottomfeeder / junk debt buyer / third party debt collector. If you do, you will most likely see your signature end up on a "contract" that you never actually signed. Marauder is famous for creating false documents, phoney affidavits, account histories, etc.



When you do your credit bureau dispute, you MUST assert your rights under the FCRA.

DEMAND to see any "validation" of the debt that the collector provides them.

Also, keep your disputes clear and concise. Short and to the point is best.



By the means above, send another dispute to the credit bureau.



In this dispute simply tell them that the collection on your credit report is not valid because you paid off the loan in full. Tell them you want to see any "validation" the debt collector or original creditor sends them as per your rights under the FCRA. Also inform them that if this inaccurate information is not immediately removed from your credit report that you will sue under your FCRA rights.



Now, you need to send a dispute to the debt collectors.

Here is where you nail them.

DEMAND to see a full itemization of all charges, a full account history, and the original signed contract.

Also demand proof that they have the authority to collect said debt. This would be a collection contract with the original creditor, or if they purchased the debt, would be a sale contract that would show amount paid, and proof of payment.

FYI...These "bottomfeeders" pay approx 2 cents on the dollar for this type of debt.

Inform them that they would need all of this to prevail in court.

Also inform them that failure to comply iimmediately with your request will result in a FDCPA and FCRA lawsuit.

DEMAND that they immediately remove the negative reporting from your credit report.

In your dispute, clearly state that the said loan was paid in full.



Do everything exactly as I have told you, and you will prevail, one way or another.

I am an expert in dealing with debt collectors.



Have fun with these idiots, and then get paid.



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#7 Consumer Comment

Info for you

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

go to www.budhibbs.com and read about Ryan Gambrill and his scumbag firm - I have a long history with these "people" (and I use that term loosely)

Kick their ass!
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