• Report: #190161
Complaint Review:

Pentagroup Financial

  • Submitted: Fri, May 05, 2006
  • Updated: Mon, May 08, 2006

  • Reported By:East Moline Illinois
Pentagroup Financial
5100 Corporate Drive Houston, Texas U.S.A.

Pentagroup Financial A general question about legalities of suing me. ripoff Houston Texas

*Author of original report: A Brief Update

*Consumer Suggestion: Mark, DO NOT pay them ANYTHING!! Don't even talk to them!

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Here is my situation in a nutshell:

My fiancee had a car repossessed last year. I do not know the particulars of why it was reposessed, other than obvious non-payment.

About 2 months ago, she was contacted by Pantagroup Financial about the balance of the debt. She got all of the information, and told them to send her validation of the debt. She has still received no validation.

Last month, they began talking to me, at her behest, regarding this bill. They wanted me to send them 6 post dated checks from my account for $250 each. Now, I am not the brightest person in the world, but I do know that I wouldnt give my own mother 6 post dated checks for $250, much less a collection agency. They then asked if I would put the entire debt on my credit card. I refused this as well, as I have plenty of my own debt without adding hers.

Today, I receive a phone call from Pentagroup Financial, telling me that since I won't agree to pay her bill, that I need to have my attorney contact them. Again, I am not the brightest crayon in the box, but I am pretty sure I cannot legally be sued for someone elses debt.

Is there any way that I can counter sue them for Unlawful Prosecution or something of that nature? I am just having a hard time understanding how they justify filing suit against me, because I won't pay her debt? We are not married, and only her name was on the car contract.

So, what can I do?

East Moline, Illinois

This report was posted on Ripoff Report on 05/05/2006 02:27 PM and is a permanent record located here: http://www.ripoffreport.com/reports/pentagroup-financial/houston-texas/pentagroup-financial-a-general-question-about-legalities-of-suing-me-ripoff-houston-texas-190161. 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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Updates & Rebuttals

#1 Author of original report

A Brief Update

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

I just got off the phone with a "Mr. Albert" from Pantagroup, and I must say, he is very rude. He refuses to substantiate the debt, or validate his company's right to collect in Illinois. As far as I can tell, these people are completely unethical, and worth less to society than a crack addict.

Things might be a bit different, if they would produce some documentation and treat the people they are constantly calling with some modicum of respect, but they don't.

In light of this, I have contacted my attorney, in order to file a countersuit for the multitude of violations of state law they have committed. According to my attorney, we have a very strong case against them, and I have a very good chance of not only receiving $1000 per violation, but punitive damages as well. I certainly hope trying to bilk an innocent consumer is worth the thousands of dollars Pentagroup is bound to be losing.
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#2 Consumer Suggestion

Mark, DO NOT pay them ANYTHING!! Don't even talk to them!

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


You are absolutely correct. You are not liable, and they cannot even collect from her! AND THEY KNOW IT!

Go to FTC.gov and read/print the FDCPA and the FCRA. They are both very short. Read and learn every detail of these acts. Then go to BudHibbs.com to get a sample CEASE COMMUNICATIONS letter to send them, and to read about these type bottomfeeders known as debt buyers. They buy these old uncollectable debts for less than a penny on the dollar.

Send all communications by certified mail, return reciept requested and be sure to put the certified# on the letter itself, and make a copy for your records.

You are already entitled to damages from them of up to $1000 plus costs for violations of the FDCPA.

DO NOT speak with ANY collector on the phone! EVER!!

Good luck!
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