This is my 3rd time I received a call from this scammer. I must admit, the first time they almost had me because I was trying to purchase a home and didn't want any collection action to be placed on my credit. I reached my lawyer and he told me to require proof of the payday loan that PDLR group "claim" I took out and if they can't provide me proof then its a scam. Of course, when I constantly asked for proof the representative told me that she will just continue with the wage garnishment since I think this was a joke and I'm not serious about taking care of my debt. The second time, I was smarter. I immediately started asking questions. She told me I took the loan out from a Regions Bank account in April 2011. I told her I have not had an account with Regions in several years. When the questions got too tough for the 1st representative, she "transferred" me to her supervisor. I asked the supervisor when was the loan taken out and she said April 2009 and I must have misunderstood the first representative. When I told the supervisor I closed the account prior to that, she started getting angry and telling me that they will just proceed with the garnishment as well.
This last time, the scammer posed as a "garnishment company". Once again, I asked for proof of the loan and why he can't supply me with all the information of the loan besides I took the loan out sometime in 2010-2011 for $450. He told me I had a snooty attitude, I'm slow, and that he was going to simply proceed with the garnishment. He even started talking very slow so "I could understand" his words. In return, I talked slow back so he could understand mine. He got very frustrated and ended up just mumbling and winding down the call before I hung up.
My advice to you.....ASK PLENTY OF QUESTIONS!!!! They will eventually get upset and leave you alone for the day. These people need to get a life and honest job!!!