determining
  • Report: #171912

Complaint Review: Merchant's Credit Guide Co., Merchants Credit Guide Co., Merchants' Credit Guide Co

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  • Submitted: Mon, January 16, 2006
  • Updated: Fri, June 08, 2007

  • Reported By:Marblehead Massachusetts
Merchant's Credit Guide Co., Merchants Credit Guide Co., Merchants' Credit Guide Co
223 W. Jackson Blvd. Chicago, Illinois U.S.A.

Merchants' Credit Guide Co., Merchant's Credit Guide Co., Merchants Credit Guide Co. assaulted by a demand letter I have beaten Merchants' Credit Guide Co., again! Fight back! You can win! Chicago Illinois

*UPDATE EX-employee responds: YOU DON'T HAVE TO PAY THEM A DIME!!! IT HAS FALLEN OFF YOUR CREDIT REPORT

*UPDATE EX-employee responds: Ex-Employee inside scoop! VERY, VERY Useful!!

*Consumer Comment: Dear P in Dallas

*Consumer Suggestion: Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

*Consumer Suggestion: Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

*Consumer Suggestion: Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

*Consumer Suggestion: Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

*Consumer Suggestion: Kathleen, It's called a DEBT VALIDATION letter

*Consumer Suggestion: Kathleen

*Consumer Comment: me too

*Consumer Comment: Help Steve!

*Consumer Suggestion: J - Lakewood

*Consumer Suggestion: nikki

*Consumer Suggestion: Should I send validation letter?

*Consumer Comment: Fraud Now In Hawaii!

*Consumer Comment: Phone Calls in California

*Consumer Comment: Robert: Congratuations, but you didn't win anything.

*Consumer Comment: Steve, please look up the word satire in the dictionary

*Consumer Suggestion: you are truly uninformed!

*Consumer Suggestion: you are truly uninformed!

*Consumer Suggestion: you are truly uninformed!

*Consumer Suggestion: you are truly uninformed!

*Consumer Comment: Fair is fair, MCG is an enterprise of hope and redemption

*Consumer Comment: Fair is fair, MCG is an enterprise of hope and redemption

*Consumer Comment: Fair is fair, MCG is an enterprise of hope and redemption

*Consumer Comment: Fair is fair, MCG is an enterprise of hope and redemption

*Consumer Suggestion: Response to Karen and ONCE AGAIN you have no idea what your talking about!

*UPDATE EX-employee responds: Hi Guys.....

*Consumer Comment: Well Thanx Karen

*Consumer Suggestion: Karen, no one believes you're a loyal ex-employee

*Consumer Comment: Karen....How many days have you been collecting for Merchant's Credit Guide Co?

*UPDATE EX-employee responds: So Many Addresses,,,,

*Consumer Comment: check your credit report & relax

*Consumer Comment: Another Location

*Consumer Comment: another victim

*Consumer Comment: Is your freind christen from ch 4?

*Consumer Suggestion: Selling Lists

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I have beaten Merchants' Credit Guide Co., again!

When I was first assaulted by a demand letter from MCGC dated June 10, 2005 for a debt I didn't owe and never incurred, knowing this had to be some sort of scam I searched the Internet and found this site. I couldn't believe the extent of this outrage so put on my battle armor, picked up my lance, and charged full tilt.

I fired off a letter to "Ken Hughes" telling him to tuck his collection, that I was not paying, was not a sucker, and was coming after him. I copied that letter to the attorneys general of Illinois, where MCGC is headquartered, Massachusetts where I reside, and two copies to the New York AG, both his office in Albany and in Hauppauge where MCGC has an operation.

Next I created a website to document this fraud and my efforts both present and to come:
http://chipford.com/ripoff/merchants.htm

And finally, I sent a check for $50 to the owner of Ripoffreport.com, because without this website I would never have realized the extent and reach of this scam! (If you appreciate reading this, remember, it takes a lot of someone's time and money to make and keep this site available as a critical resource to us: as the owner and administrator of two websites of my own and a discussion group, believe me I know!)

Do not be intimidated by Ken Hughes and his cabal -- you too can beat them!

Don't let them get away with this any longer -- NO MORE VICTIMS!

On Aug. 15th I received a response from the Illinois AG's office, informing me that my "complaint has been settled to your satisfaction." Attached to the AG's letter was MCGC's response to the AG signed by "Scott A. Ross" stating: "Seeing that Mr. Ford is disputing this debt we contacted our client requesting validation of this account. When our client was unable to provide documents, we closed our file. Mr. Ford will not hear from Merchants' again in reference to this debt."

Then he went on to expound on what a wonderfully legitimate business MCGC runs and that my charges to the contrary notwithstanding, "strongly dispute any claims that we are engaged in any illegal activity." He no doubt intentionally noted a website which I'd never cited [RipOff.Com -- !] in a blatant attempt at misdirection. (MCGC wouldn't want any AG visiting this website -- which in fact I cited -- would they.)

The Illinois AG's office requested that I return a form indicating that I was satisfied with this "resolution." Instead, I wrote back informing them that I wouldn't be satisfied until this scam was terminated and that I would pursue it until that termination was accomplished.

Do not be intimidated by MCGC! YOU CAN BEAT THEM TOO AND HELP ME TAKE THEM DOWN!

On Jan. 4, 2006 I finally received a response from the New York attorney general's Bureau of Consumer Frauds and Protection -- again informing me of a "resolution" of my complaint. Attached was the response from MCGC, again signed by "Scott A. Ross" -- a reproduction -- word for word -- of his response to Illinois AG Lisa Madigan's Consumer Protection Division -- right down to again referencing the website I never cited! I have responded to the NY AG's office this morning requesting that a greater investigation be launched.

All documentation of my efforts is available on my website in PDF format.

I have also contacted many in the media and am beginning to find a spark of interest. My girlfriend, a syndicated columnist in Massachusetts, wrote a column, "Consumer warning: Beware bogus collection notices," which appeared in newspapers around the state last mid-August (available on my website).

Don't let Merchants' Credit Guide Co. intimidate you -- fight back! You can beat this scam too!

And send a check, whatever you feel it's worth and can afford, to help maintain this website. (I have no connection to it but our mutual correspondence here.) I'd have been lost for a starting point had Ripoffreport.com not been here when I first went looking for information, when I needed it. I'm sure you must feel the same. I hope it's still here if I'm ever assaulted again by a suspected criminal enterprise.

Fight back! You can win!

Robert
Marblehead, Massachusetts
U.S.A.

This report was posted on Ripoff Report on 01/16/2006 07:20 AM and is a permanent record located here: http://www.ripoffreport.com/r/Merchants-Credit-Guide-Co-Merchants-Credit-Guide-Co-Merchants-Credit-Guide-Co/Chicago-Illinois-60606/Merchants-Credit-Guide-Co-Merchants-Credit-Guide-Co-Merchants-Credit-Guide-Co-assau-171912. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

YOU DON'T HAVE TO PAY THEM A DIME!!! IT HAS FALLEN OFF YOUR CREDIT REPORT

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

Don't Pay them a dime. They are a debt buyer, they buy time barred debt that is no longer relevant to your credit. If the debt is out of the statue of limitations don't pay it or you're a fool. I am an ex employee, not bitter but wanting to let you in on secrets. i will continue later.
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#2 UPDATE EX-employee responds

Ex-Employee inside scoop! VERY, VERY Useful!!

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

I worked for Merchant's Credit Guide Co, Inc. for a year, so I'll give you the dish and any answers you're looking for.

Unfortunatley, they aren't doing anything illegal. They are just very, very sneaky!! They follow the laws very closely but when I worked there, they told us:
"Here is the line [between legal and illegal]. We want you ON that line. Don't cross it, but but get as close as possible" They play dirty and know all the loop holes.

They are a third party collection agency, which means that they will "work" for a debt purchasing company and get a percentage of the profits. So, for example, A Large Bank will sell a CC debt to Joe Shmoe Agency. After a while Joe Shmoe hasn't had any success, so they send it to MCG. If MCG collects the debt, they get a percentage.

MCG primarily focuses on "out of stat" debt, which means that it is 7 years or older, and therefore can not be put on your credit nor can any legal action be taken against you.
However, they feel that although you are no longer "legally" obligated to pay, you are still "moraly" obligated (haha) to pay.

Now, it IS illegal to threaten to sue or report to the credit bureaus if A) debt is 7 years or older and B) the company has no intention doing so

They are only legally allowed to call between the hours of 8am and 9pm

Also! Harrassment is defined as, Anything the consumer feels is harrassing or inappropriate. Harrassment is illegal. So, write down everything when speaking with a rep.

**In my opinion from my experience** Yes, you can send a letter asking to verify the debt. And by law their client (like Joe Shmoe Agency) has 30 days to validate. If not, the debt should be dismissed and no longer collectable. But here's what they'll do. Within that 30 day period, they'll just sell it to another debt buyer! Who will just send it to another third party. It's a disgusting, low tactic and they'll just keep doing it.
Ask any agent who works/has worked there. We've seen it hundreds of times.

Oh, and "Ken Hughes" is a legal alabi. (The real person behind the name is a total jerk!)

Side Note: MCG will claim CFB is their client, which I believe is partially true because from what I heard while working there, some of the upper management own CFB!!
Now, for that, I'm not quite sure what is/is not allowed. I think b/c MCG doesn't own it, it's allowed? Maybe someone should look into it?

Hopefully this gave you a little insight!

I am not an attorney, nor do I practice any legal services. All of this information is coming from my experience as a collector and my experiences working.
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#3 Consumer Comment

Dear P in Dallas

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

Thanks :) I laugh, at the same time I hold my head -- how can anyone with a conscience rationalize being a junk debt collector? (K, I'm thinking fondly of you, my dear). It's humanity at its most petty. As a greater community, we should not stand for any claim of legitimacy for the likes of MGC and that corrosive faux-libertarian morality behind it all.

I wrote the Illinois Attorney General about the repeated harassments (MGC doesn't have any interest in me -- they got the wrong person of course -- but they sure like my phone number and keep coming back to it a few months after each certified letter). Her office replied that it would forward my complaint and otherwise not interfere. Come on. I wish the AG would at least keep a record of complaints, so that she has a way to *detect* the amalgam of unhappiness out there about this particular ship of fools nearly randomly phoning hundreds of thousands of individuals across the United States, day after day after day. Come on, government, do your thang.
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#4 Consumer Suggestion

Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

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

We need more posts like this one .....
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#5 Consumer Suggestion

Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

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

We need more posts like this one .....
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#6 Consumer Suggestion

Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

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

We need more posts like this one .....
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#7 Consumer Suggestion

Hy - Santa Monica, California - I GOT IT AND I'M STILL CRYING WITH LAUGHTER ....

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

We need more posts like this one .....
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#8 Consumer Suggestion

Kathleen, It's called a DEBT VALIDATION letter

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Kathleen,

You DO contact them. Just NOT on the phone.

You send a DEBT VALIDATION letter as per your rights under the FDCPA. Do NOT sign it, just print.

In this letter clearly dispute the debt and DEMAND to see the original SIGNED contract that created the "debt", as well as a FULL account history from day 1 to charge off,and a full itemization of charges. Be sure to put the certified# on the letter itself, and keep a copy for your records.

Send this by certified mail, return reciept requested.

Now, until the validation is provided, all collections attempts must cease.
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#9 Consumer Suggestion

Kathleen

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

I know you asked Steve for advice, I'm sure steve will know other ways, but put all 3 of your credit reports.

If have any old copies, compare them to the new
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#10 Consumer Comment

me too

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

I also got a letter from this company saying that I owed a debt they are trying to collect. I was a victim of stolen credit identity and it took me years to get all the records back to normal. I am afraid that someone who stole my identity sold my information to this company and now they are trying to collect a debt that has nothing to do with me. Maybe they really thought this was a Legitimate company but based from the complaints I see here I have my doubts. And if I ignore it, they can actually report it to the credit bureau and it will ruin my credit score again.

I did what I am supposed to do. I wrote a letter (via DHL so I have a confirm receipt) stating that I am disputing this charge by writing the letter within 30 days. If they are crooks it will go away, otherwise I'll file complaints to the attorney general as well.
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#11 Consumer Comment

Help Steve!

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

How do I find out the date/year of the supposed debt without contacting MCG? I noticed that many people called and got this information but I am reading your comments that say not to call them at all.

Kathleen
Hawaii
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#12 Consumer Suggestion

J - Lakewood

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

No. In fact I have a Household Bank credit card now that I have never been late and have never gone over limit in the 3 years I have had the card. HHPRIM looks like it should be a household account though, but I can't think of any other ones I may have had. Thanks for trying!

Anyway, does anyone know if I should send a validation letter just because I received a bill?
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#13 Consumer Suggestion

nikki

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

have you ever had any dealings with HouseHold bank?
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#14 Consumer Suggestion

Should I send validation letter?

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

I too received a bill from Merchant's in October. It even had an account number that looked like a credit card, but when I went through all my paperwork back to 2000, I never had even close to that credit card number. I keep pretty meticulous records and have no knowledge of this account or the money owed. They also stated original creditor as HHPRIM. Has anyone ever heard of HHPRIM?

Should I send a validation letter? I haven't heard from them since their letter in October. Or is that just opening up a can of worms? Should I just wait to see if it goes on the credit report?
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#15 Consumer Comment

Fraud Now In Hawaii!

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

Guys,

I just got a letter from this company saying that I owed money. Never had this account so had a feeling it was fraud as soon as I received it. After researching the company, I found this site and it confirmed what I thought.

Since you all are dealing with it, what do I do now? Should I just ignore it? I checked my credit report and saw that they had done an inquiry via Trans Union.

Any advice would be appreciated. Should I send a cease comunication letter? Does the SOL apply to me? Unbelievable!

Thanks a bunch!
Kathleen
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#16 Consumer Comment

Phone Calls in California

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

Over a year ago my husband received a letter from this fraud company after checking the internet I ignored the letter and never heard anything again. Today my uncle-in-law (who lives with us) received a phone call from the same company concerning a debt. I remembered the name and we plan to ignore it.
Why can't anyone shut them down?
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#17 Consumer Comment

Robert: Congratuations, but you didn't win anything.

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

Hello everyone,

I see MCG is at it again with their junk-debt extravaganza. This bunch of crackpots just needs to go out of business.

Robert, you did the exact thing you're supposed to do. You fired off a letter to MCG and told them to stop bugging you. The supplemental letters to the AGs were nice touches as well.

I just have some food for thought. Despite all your armor-clad, lance-bearing, war-like efforts, I don't think you won anything.

The laws are already written so that writing a cease communication request will (should) stop a collector from hounding you. You wrote letters, the AGs wrote letters and all you got back was a copy of a form letter...the same one that gets sent to a couple thousand people each day. You got nobody's attention and the Attorney General will let MCG do business this way because MCG is doing nothing illegal (well, at least not in YOUR case).

You can at least be happy knowing that MCG won't be bothering you again. This is a happy ending in the sense that they stopped bugging you once you wrote them. It seems they're not always so polite to others.

I think the real win will come when the laws change and junk debt collection will be a thing of the past. I've said it a million times. Write your Attorney General to enforce the laws. But also, remember to write your CONGRESSPEOPLE to change them.

Good Luck,
Kevin (former collector, not for MCG)
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#18 Consumer Comment

Steve, please look up the word satire in the dictionary

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

...relax, drink some tea, then read the post again. To sound discerning, you need to be discerning. Less anger, maybe, and more or your just plain good work.
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#19 Consumer Suggestion

you are truly uninformed!

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

"Hy",
>>You wrote>>
"Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless".....
>>
Service to humanity? Are you serious? These thugs provide no service to anyone but themselves. They are junk debt buyers who harass and threaten people over debts so old they are no longer legally collectable, and often they come after the wrong person!

Furthermore, your religious jibberish would be considered offensive to most, as this is not the forum to be preaching your religious beliefs.

Your religious beliefs are irrelvant here. We are not interested in your cult mentality.

You really need a reality check and some education regarding debt collections. We are talking about JUNK DEBT BUYERS here. They are not creditors. They are not entitled to anything.

These debt collectors are not providing a service to anyone but themselves, so how is that "god's work"? They are liars and theives. These things are proven to be true.

Get a grip!
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#20 Consumer Suggestion

you are truly uninformed!

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

"Hy",
>>You wrote>>
"Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless".....
>>
Service to humanity? Are you serious? These thugs provide no service to anyone but themselves. They are junk debt buyers who harass and threaten people over debts so old they are no longer legally collectable, and often they come after the wrong person!

Furthermore, your religious jibberish would be considered offensive to most, as this is not the forum to be preaching your religious beliefs.

Your religious beliefs are irrelvant here. We are not interested in your cult mentality.

You really need a reality check and some education regarding debt collections. We are talking about JUNK DEBT BUYERS here. They are not creditors. They are not entitled to anything.

These debt collectors are not providing a service to anyone but themselves, so how is that "god's work"? They are liars and theives. These things are proven to be true.

Get a grip!
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#21 Consumer Suggestion

you are truly uninformed!

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

"Hy",
>>You wrote>>
"Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless".....
>>
Service to humanity? Are you serious? These thugs provide no service to anyone but themselves. They are junk debt buyers who harass and threaten people over debts so old they are no longer legally collectable, and often they come after the wrong person!

Furthermore, your religious jibberish would be considered offensive to most, as this is not the forum to be preaching your religious beliefs.

Your religious beliefs are irrelvant here. We are not interested in your cult mentality.

You really need a reality check and some education regarding debt collections. We are talking about JUNK DEBT BUYERS here. They are not creditors. They are not entitled to anything.

These debt collectors are not providing a service to anyone but themselves, so how is that "god's work"? They are liars and theives. These things are proven to be true.

Get a grip!
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#22 Consumer Suggestion

you are truly uninformed!

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

"Hy",
>>You wrote>>
"Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless".....
>>
Service to humanity? Are you serious? These thugs provide no service to anyone but themselves. They are junk debt buyers who harass and threaten people over debts so old they are no longer legally collectable, and often they come after the wrong person!

Furthermore, your religious jibberish would be considered offensive to most, as this is not the forum to be preaching your religious beliefs.

Your religious beliefs are irrelvant here. We are not interested in your cult mentality.

You really need a reality check and some education regarding debt collections. We are talking about JUNK DEBT BUYERS here. They are not creditors. They are not entitled to anything.

These debt collectors are not providing a service to anyone but themselves, so how is that "god's work"? They are liars and theives. These things are proven to be true.

Get a grip!
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#23 Consumer Comment

Fair is fair, MCG is an enterprise of hope and redemption

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

Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless. I know many like you -- priests, teachers, aid workers, debt collectors -- for whom a higher calling, the ache to help others and make the world a better place, compels them into such profitless service. I know people in Rwanda, New Orleans, Iraq and Darfur, to name a few merciless pits, who've given up everything -- forsaken good ol' First World comfort, wealth, health, safety and family life -- to reach out to those in pain. It's tireless and even torturous. Yours is a special breed. That is why He empowers you with The Gift, each golden opportunity to acquire legal claim to a forgotten due at a tithe's price. It's small, I know. But you serve God in what you do.

Yes, I'd hug you if I could! I love you, Karen. Excuse-makers are so full of bologna. They cry foul -- The Good Book exactly warns yours is a vocation of hubris. But I know in my heart that fallible humanity endlessly misinterprets the scriptures, and other doctrines of faith and philosophy too, be they Hebrew, Hindu, Buddist or Islamic: Though a debt may be forgiven or years expired technically, according to random law, God knows a soul is not clean as long as it harbors dues. The weak and sinful debtor has cheated another! Thus He rewards you, who fear Him, the Final Collector, with the fruits of heaven on earth. This is His thanks to you for so tirelessly pushing hard down upon possible forsakers, to truly make good to your pocket now.

I indeed have expressed regret in a certified letter to MCG that it has erroneous information on me, starting with my name. But I am humble too, for I DO understand the reasons why you keep trying -- it is hard work and nobody's perfect. As long as there is a grain of possibility that one like me might actually be lying, or at least have an imperfect memory according to your exacting discernments, and the Government chooses not to clutter your path with truly bureaucratic technical sanctions, then you are ever one step closer to cleansing another fouled soul. Heaven's gates yawn wide for you in your service to humanity as a buyer of debts expired, disputed and otherwise. May sinners fill your cup; may they evermore be free of darkness therein.

Karen, I know why you do what you do. It is an inspired hunger in you to help... morally, you really have no other choice. You are a good man -- an angel. God bless you.
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#24 Consumer Comment

Fair is fair, MCG is an enterprise of hope and redemption

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

Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless. I know many like you -- priests, teachers, aid workers, debt collectors -- for whom a higher calling, the ache to help others and make the world a better place, compels them into such profitless service. I know people in Rwanda, New Orleans, Iraq and Darfur, to name a few merciless pits, who've given up everything -- forsaken good ol' First World comfort, wealth, health, safety and family life -- to reach out to those in pain. It's tireless and even torturous. Yours is a special breed. That is why He empowers you with The Gift, each golden opportunity to acquire legal claim to a forgotten due at a tithe's price. It's small, I know. But you serve God in what you do.

Yes, I'd hug you if I could! I love you, Karen. Excuse-makers are so full of bologna. They cry foul -- The Good Book exactly warns yours is a vocation of hubris. But I know in my heart that fallible humanity endlessly misinterprets the scriptures, and other doctrines of faith and philosophy too, be they Hebrew, Hindu, Buddist or Islamic: Though a debt may be forgiven or years expired technically, according to random law, God knows a soul is not clean as long as it harbors dues. The weak and sinful debtor has cheated another! Thus He rewards you, who fear Him, the Final Collector, with the fruits of heaven on earth. This is His thanks to you for so tirelessly pushing hard down upon possible forsakers, to truly make good to your pocket now.

I indeed have expressed regret in a certified letter to MCG that it has erroneous information on me, starting with my name. But I am humble too, for I DO understand the reasons why you keep trying -- it is hard work and nobody's perfect. As long as there is a grain of possibility that one like me might actually be lying, or at least have an imperfect memory according to your exacting discernments, and the Government chooses not to clutter your path with truly bureaucratic technical sanctions, then you are ever one step closer to cleansing another fouled soul. Heaven's gates yawn wide for you in your service to humanity as a buyer of debts expired, disputed and otherwise. May sinners fill your cup; may they evermore be free of darkness therein.

Karen, I know why you do what you do. It is an inspired hunger in you to help... morally, you really have no other choice. You are a good man -- an angel. God bless you.
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#25 Consumer Comment

Fair is fair, MCG is an enterprise of hope and redemption

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

Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless. I know many like you -- priests, teachers, aid workers, debt collectors -- for whom a higher calling, the ache to help others and make the world a better place, compels them into such profitless service. I know people in Rwanda, New Orleans, Iraq and Darfur, to name a few merciless pits, who've given up everything -- forsaken good ol' First World comfort, wealth, health, safety and family life -- to reach out to those in pain. It's tireless and even torturous. Yours is a special breed. That is why He empowers you with The Gift, each golden opportunity to acquire legal claim to a forgotten due at a tithe's price. It's small, I know. But you serve God in what you do.

Yes, I'd hug you if I could! I love you, Karen. Excuse-makers are so full of bologna. They cry foul -- The Good Book exactly warns yours is a vocation of hubris. But I know in my heart that fallible humanity endlessly misinterprets the scriptures, and other doctrines of faith and philosophy too, be they Hebrew, Hindu, Buddist or Islamic: Though a debt may be forgiven or years expired technically, according to random law, God knows a soul is not clean as long as it harbors dues. The weak and sinful debtor has cheated another! Thus He rewards you, who fear Him, the Final Collector, with the fruits of heaven on earth. This is His thanks to you for so tirelessly pushing hard down upon possible forsakers, to truly make good to your pocket now.

I indeed have expressed regret in a certified letter to MCG that it has erroneous information on me, starting with my name. But I am humble too, for I DO understand the reasons why you keep trying -- it is hard work and nobody's perfect. As long as there is a grain of possibility that one like me might actually be lying, or at least have an imperfect memory according to your exacting discernments, and the Government chooses not to clutter your path with truly bureaucratic technical sanctions, then you are ever one step closer to cleansing another fouled soul. Heaven's gates yawn wide for you in your service to humanity as a buyer of debts expired, disputed and otherwise. May sinners fill your cup; may they evermore be free of darkness therein.

Karen, I know why you do what you do. It is an inspired hunger in you to help... morally, you really have no other choice. You are a good man -- an angel. God bless you.
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#26 Consumer Comment

Fair is fair, MCG is an enterprise of hope and redemption

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

Karen, I apologize for the people here who do not respect what MCG does. Service to humanity is often thankless. I know many like you -- priests, teachers, aid workers, debt collectors -- for whom a higher calling, the ache to help others and make the world a better place, compels them into such profitless service. I know people in Rwanda, New Orleans, Iraq and Darfur, to name a few merciless pits, who've given up everything -- forsaken good ol' First World comfort, wealth, health, safety and family life -- to reach out to those in pain. It's tireless and even torturous. Yours is a special breed. That is why He empowers you with The Gift, each golden opportunity to acquire legal claim to a forgotten due at a tithe's price. It's small, I know. But you serve God in what you do.

Yes, I'd hug you if I could! I love you, Karen. Excuse-makers are so full of bologna. They cry foul -- The Good Book exactly warns yours is a vocation of hubris. But I know in my heart that fallible humanity endlessly misinterprets the scriptures, and other doctrines of faith and philosophy too, be they Hebrew, Hindu, Buddist or Islamic: Though a debt may be forgiven or years expired technically, according to random law, God knows a soul is not clean as long as it harbors dues. The weak and sinful debtor has cheated another! Thus He rewards you, who fear Him, the Final Collector, with the fruits of heaven on earth. This is His thanks to you for so tirelessly pushing hard down upon possible forsakers, to truly make good to your pocket now.

I indeed have expressed regret in a certified letter to MCG that it has erroneous information on me, starting with my name. But I am humble too, for I DO understand the reasons why you keep trying -- it is hard work and nobody's perfect. As long as there is a grain of possibility that one like me might actually be lying, or at least have an imperfect memory according to your exacting discernments, and the Government chooses not to clutter your path with truly bureaucratic technical sanctions, then you are ever one step closer to cleansing another fouled soul. Heaven's gates yawn wide for you in your service to humanity as a buyer of debts expired, disputed and otherwise. May sinners fill your cup; may they evermore be free of darkness therein.

Karen, I know why you do what you do. It is an inspired hunger in you to help... morally, you really have no other choice. You are a good man -- an angel. God bless you.
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#27 Consumer Suggestion

Response to Karen and ONCE AGAIN you have no idea what your talking about!

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

Karen,

So now you are an expert on AZ law? I lived in AZ for 4.5 years and was in the mortgage business there. I think I know more about AZ aws than you do.

And, I'm not the one who said MCG was paying you to post here.

I probably know more about the company you work for than you do! AND, yes I am sooooo against collection agencies. I have made that perfectly clear. It is no secret. As soon as you have 3 weeks in the industry, you will see what I mean.

Any collection agency who buys old debts for themselves should be avoided, because it is IMPOSSIBLE to collect on these debts without breaking the law.
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#28 UPDATE EX-employee responds

Hi Guys.....

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

I left MCG a long time ago. I'm not in collections right now. I BELIEVE IN HELPING PEOPLE. That is why I enjoy the profession. I'm not saying that all collection agencies are good, but they are not all bad either.

Steve, you are sooooo against collection agencies. No they are not paying me at all, and I will continue to post from time to time. As long is there is debt, there will be collection agencies. And yes you guys will hear from me again. And Arizona is not relaxed on collectors.
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#29 Consumer Comment

Well Thanx Karen

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

Now I can alert the media that this scam company will be moving here shortly. I'd love to spread the word about MCG. Thanks for the heads up!
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#30 Consumer Suggestion

Karen, no one believes you're a loyal ex-employee

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

Karen....You're, OBVIOUSLY, being paid by MCG to answer all the complaints on this website. Cudos to Steve, for his postings here. Great information to fight back.
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#31 Consumer Comment

Karen....How many days have you been collecting for Merchant's Credit Guide Co?

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

Karen,

I see that you have responded to nearly every thread on Merchant's Credit Guide Co here on Rip Off Report. Why is that? I just love when a new collector is all gung ho for a few days or weeks and then we never hear from them again.

Did you know that when you respond to an old post here on ROR, that it brings it to the top for all to see? Therefore, by posting to these old threads, you are actually hurting the company you work for by bringing all of the old negative posts on them to the top to be found in the most recent 30 day searches?

Anyway, here is the info on MCG Co:
Agency Details:

Merchants Credit Guide Co.
aka/CFB Financial III, LLC
223 W. Jackson Blvd., #900
Chicago, IL 60606
Phone: (312) 360-3000 888-249-4134-
Fax: (312) 360-3024

Also:
1308 State Highway 37
West Frankfort, IL 62896
Phone: (618) 937-4665
Fax: (618) 932-6127

CFB Financial III, LLC
Barry P. Siegal, Agent for Service
55 W. Monroe St. #500
Record Office: 223 W. Jackson Blvd., #900
Chicago, IL 60606

Web Address: merchantscreditguide.com

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

They are expanding to AZ only because it has gotten too hot for them in other locations, and AZ is very easy on debt collectors.
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#32 UPDATE EX-employee responds

So Many Addresses,,,,

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

They are expanding. They have been around since 1896. And the Arizona office will be open shortly.
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#33 Consumer Comment

check your credit report & relax

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

After stressing all day about this, I did 2 things. First I checked all 3 credit reports which are perfect. Second, I registerd with a credit watch that will notify me immediately of any changes or inquiries. Third I contacted my attorney, who told me to not speak with them, & not contact them. If I receive something in writing, we can then go after them. I feel so much better.
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#34 Consumer Comment

Another Location

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

They're setting up shop in Phoenix now. This week's paper had job postings for Merchant's Credit Guide. If you check the Better Business Bureau, they've also been in New York and Illinois. Makes you wonder why so many addresses?
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#35 Consumer Comment

another victim

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

Dear Robert,
Looks like they have hit in Massachusetts. At this point I have only received phone calls and have NOT spoken to them.Is your advise to ignore them if I only get the calls.I am willing to add my complaint to your list for the media here in MA.
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#36 Consumer Comment

Is your freind christen from ch 4?

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

Robert you have gotten the privacy notice you know,the extent this company is wiiling to go to collect from the scared and frightened.I am in the midst of my own fight!Keep up the good work!Let the people know that this company is nothing more than a schoolyard bully.DO NOT PAY.DO NOT GIVE ANY INFORMATION!!If you owe them they should know your s.s.n.trust me they dont!
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#37 Consumer Suggestion

Selling Lists

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

Merchant's Credit Guide Co., Merchants Credit Guide Co., Merchants' Credit Guide Co
223 W. Jackson Blvd.
Chicago Illinois 60606
Phone Number: 888-249-4134, 312-360-3000
CFB financial is owned by Merchants Credit guide

CONTACTS
4/25/2006, 5:30PM Ken Hughes (888-249-4134) called stating he was calling from Chicago Illinois - Merchants Credit Guide (merchantscreditguide.com/index.htm). Ken said that a letter was mailed 4/22/2006 (I didn't get it yet). I explained the account was paid in full and closed by The Credit Store in the 90s. I also mentioned that a company by the name of CAMCO Capital Acquisitions & Mgmt Company also tried to collect an already paid debit in 2003. Ken stated that he did not know who CFB Financial Services is. I asked for them to go back to who they purchased the loan from and get back to me. In 2003 I added a rip off report to this site, emailed, called and wrote many gov agencies.

Fourscore Resource Capitol was another company that tried to collect the debit and got shut down. Yes, I have been through this so many times that I know how to fight back.

4/25/2006, 6:30 I called to get a reference or account numbers and was told that Ken left and I was transferred to Randy Moore Ext 776. Randy I told him this debit was collected years ago and he said that someone from his company will look into this and provide me with more information.

I think that CAMCO illegally sold my info to Merchant's.
Thanks for your help!
Gregg
Hagerstown, MD
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