Report: #338776


  • Submitted: Tue, June 10, 2008
  • Updated: Wed, February 29, 2012
  • Reported By: Jefferson Georgia
    55 East May Street
    Winder, Georgia
  • Phone: 770-867-7461
  • Web:
  • Category: Loans


*UPDATE EX-employee responds: world finance

*General Comment: World Finance

*Consumer Suggestion: Dont agree at all with the company, but.......


Show customers why they should trust your business over your competitors...

I had a personal loan with World Finance in Winder, Georgia I quit paying my monthly payment because I decided I needed to file for bankruptcy. After my first missed payment the loan company started calling me on my cell phone at first, at that time I had told them I was filing for bankruptcy and I told them that they would be hearing from my attorney. The Manager-Keith Cheek then told me that it doesnt matter he can still contact me until I have a case number, I said it will be a waste of time but whatever.

A couple of days passed and I started getting calls from my family telling me that a guy from a loan company was calling them to try to get in touch with me and he was telling them that I owed him money.

I contacted Keith and asked him why he was contacting my references when he had my address, and contact numbers for me. He basically told me that he could do whatever it took to collect the money from me and he said that I wasnt keeping in touch with him, I was like there is nothing to keep in touch with, I have retained an attorney and that he needed to quit contacting me and my references.

Well the following week he started calling my work phone, I asked him to not call me at work because any personal calls are prohibited. He ignored my wishes and continued to call me at work four to five times a day. It go so out of hand that my manager gave me a verbal warning that all personal calls had to stop. So I got onto the Federal Trade Commissions website and looked up my rights. The website stated that if I notify the company in writing that they need to cease all communications with me while Im at work then they must comply. So I typed a letter and faxed it to Keith and also sent a hardcopy certified mail.

After this happened I decided to retain a different attorney because the one I orginially retained was worthless, I turned in all my paperwork to get the case started but the attorney had advised me that until he received the full amount for his services he would not start work on my case, he told me I had thirty days to pay him. I told the attorney about the stalkers at World Finance and asked what could I do and he told me to give them his name and number and he would take care of it.

Well the letter I faxed and mailed to Keith did not good, he still contacted me at work and thats when I gave him the new attorneys information, thats when he got load and rude and called me a liar and then he told me that I needed to come into the office that afternoon and discuss this, I asked him Why? Why do I need to come into the office to tell you the same thing Im telling you now, gas is $4.00 a gallon, its a waste besides you have the information you need and I hung up on him. He immediately turned around and called my work phone back to back to back and I wouldnt pick up.

The very next day I was at work and a lady was there and she wanted to speak with me, she was from World Finance. I was in shock because I work in a very small office and everyone could hear and see what was going on. She told me that she was there to collect payment and to find out what was going on. I told her that I couldnt discuss it right now and asked her to leave, she still pressured me to talk to her and about after ten minutes my boss told me that I needed to wrap it up thats when she said that Keith was going to sue me and take legal action today. She left and sat in her car until I left for lunch and I saw her write down my tag information. Not only was this embarrassing but I am in a bankruptcy, I am supposed to protected from all the harassing calls.

After the lady left and I got back from lunch I get this call from Keith Cheek and he said in a smartass voice So, how is your day going? I was like just friggen wonderful, I told him that I have nothing more to discuss with him and to not contact me at work anymore or I will take legal action and I proceeded to tell him that he has continually violated my rights under the Federal Trade Commission and I had already reported him. He told me Yeah, that will shut us down. And he laughed and after that I hung up on him and I was so worked up that I had a panic attack.

World Finance are like loan sharks, I now come to work everyday scared that Im going to get in trouble because they might call me or show up. If anybody knows what more steps I can take to keep this from happening to another person and to stop the harassment for me I would appreciate it.

Jefferson, Georgia
Is this Ripoff Report About you?
Ripoff Report A business' first line of defense on the Internet.
If your business is willing to make a commitment to customer satisfaction Click here now..

Does your business have a bad reputation? Fix it the right way. Corporate Advocacy Program™

Set the record straight: Arbitration Program

SEO Reputation Management at its best!

This report was posted on Ripoff Report on 06/10/2008 06:44 AM and is a permanent record located here: 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. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals


#1 UPDATE EX-employee responds

world finance

AUTHOR: Shelly loo - (United States of America)

As an Ex Employee....I just got fired for asking a womans daughter to give us a call about her loan....her dau pays it for was a privacy thing......SUE SUE SUE.....We are taught to do these things but when you call the right people they fire you for do have an awesome case with all the witnesses and phone records....we were told 1 call to the same number a day at Security! Good luck!
Respond to this report!

#2 General Comment

World Finance

AUTHOR: juana301 - (United States of America)

All I can say is wow!!! You should look up information about the FDCPA. The company seems  to have definitely made some violations. I personally work for a collection agency and I do know that when making an attempt to collect a debt if you advise someone not to contact you at work or if your employer tells them not to do so they have to stop. As far as ceasing communitcations you should definitely put it in writing and then at that point they are supposed to advise you of what the next steps will be. They should not advise anyone that you owe a debt that is personal and a violation of fdcpa.
There is no reason to contact references other than to leave a message without indicating that you owe anything.  If you have retained an attorney and give them contact information for the lawyer that is who they should contact but they can continue to try to collect if you haven't provided the case number or really hired the lawyer. Good luck you have a lot of rights you just really need to do some research. You can sue them and you should.
Respond to this report!

#3 Consumer Suggestion

Dont agree at all with the company, but.......

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

You are getting confused on your rights. Under the federal law that you are referring to, the creditor has every right to contact you whne he sees fit (within the allowed times). Even if you tell them to cease and decist, they can still contact you. What you are reading in the federal law, is that a collection agency that is working on behalf of the creditor has to stop all communications when you request it, except to inform yu of them beginning legal action. Again, the creditor themselves can show up and call at will. Now you can have your employer request that they not show up anymore. It is their property and they could prosecute them for tresspassing.

Also from what you have stated, you have done nothing to claim bankruptcy protection. Just by stating that you have filed, or will file, is not cause from them to stop calling. You have to have an active case and have it done properly.

Now, I do understand your situation. Not a desirable one to be in. But I am hearing alot of blame going around. Wheter it is the person that you owe the debt to (if it was me, I would be ticked at you), the lawyer, the law, etc. But I hav enot heard any responsiblitt for your actions. Just curious, how much debt do you have? What kid of debt is it? Do you even need bankruptcy protection?

LEts keep this going. Maybe we can help you out of tis mess.
Respond to this report!

#4 Consumer Comment


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

sorry but this exact same thing happen to me by this company called SECURITY FINANCE, and yes it is embrassing but I suggest you call the head office speak with them and report the individual or individuals, but my employer stood behind me and inform too let them know if she can in and mention it to me again, that they would ask her too leave, but I pretty much put her in her place the first time when she approach me at work. Now I'm hearing that she no longer with the company don't know what happen but someone said she not working there anymore, but it made me so mad I was to the point if I seen her in public its no telling what I would have done. But netherless to say I did payoff the loan.
Respond to this report!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.