Check Security Associates, LLC David Cohen Used threats of liens, tax liens, garnishment of wages & arrest by harrassing my wife at home & harrassing my work place. Amherst New York

This company has been harrassing me at my work place & my home claiming to represent Bayside Cash Online Loans about an online loan in the amount of $400 from December 2012.

After getting the loan with payment to be deducted from our checking account on a specific date, we noticed charges for fee being taking out of our checking account that were unauthorized for a company claiming they were fees we owed for providing us with an online payday lender. Contacted this company & explained to them we knew nothing of them & had never used their services.

Visited our bank & talked with management explaining the unauthorized charges & it was suggested to us that we fill out fraud papers & close our account & we did just that.

Later we contacted Bayside Cash & explained to them what happened & couldn't get a clear answer concerning the problem. Explained to them that we closed our account due to fraud & that we would not be opening up another & asked how we could get this taken care of not having a checking acct. None the less, they didn't listen...kept telling us they would have to have account information for the pay back of the loan to be taken out but after getting no where with them, told them to send me inquiries by mail with information on how I could pay this back not using account infor for them to draft it out but never rec'd anything nor heard from them for 2yrs.

The past few weeks I've been getting harrassed at my work place & my home by Check Security Services, leaving messages  on our voicemail that we had an IBC offense & that we needed to call asap.

Before getting a chance to return their call, my wife rec'd a call again at home from Check Security Associates, LLC claiming to be collecting for Bayside Cash per a David Cohen. Told her it was about an IBC Offense we would be charged with if she couldn't pay $2,400 that we owed on a $400 loan we had gotten.

She expressed to him that we had lost everything, our home, etc due to her being diagnosed Chronic Kidney Failure with only a 1/4 of kidney currently functioning & other health problems that had arose in which she had to quit her job of which she was the bread winner. She expressed that we had no such monies  but that we could make payment arrangements to get this taken care of. He then told her he could do $900 if we could pay it that day. She once again expessed to him we didn't have it.

He then told her that a $400 payment would need to be made to cease all process of an IBC offense pertaining to fraud, being arrested & possibly having leins put on our assets, liens put of our taxes & garnishments of my wages. She told him we had committed no such thing that we provided account information to Bayside Cash when getting the $400 loan & had accepted the payment aggreement but before payment had been taken out, fraud had been committed causing monies to be taken out of our account in connection with them that were unauthorized & that our bank had us fill out fraud papers & suggested we close the account at which time we did & that was the reasoning we had closed the account & told him he could verify it with the bank.

He then told her he could check on a possible payment arrangement to be withdrawn from our account & which time she told him that we never opened up a checking account due to what happened before that we only had a pre-paid debit card. He then told her he could use that but she still expressed to him that there were no funds availble until I got paid.

He then said he could do it on the day I got paid & that would stop any action being taken towards us. That if we do $150 this Friday & $100 every Friday until Dec. 12th 2014...that would pay it off. Being scared, she gave him the acct. info for him to do that but after telling me about it...something's not right. The loan was $400. He says we owe $2400 but can take $900 that day to pay it off. Not being able to do that, he then said he would need $400 & that would stop any action but being told she couldn't do that, he then said he could do $150 on the day I got paid. Is all of this legal in Alabama?

What is all this money for he says we owe. I'm very confused & don't know what to pay or what is owed & why is he threatening my wife into giving him account information for payment that is only in my name Why would he even be talking to her in the first place but I do know I haven't talked with him or anyone associated with Bayside Cash & have not authorized anyone or any company in connection with them to remove funds from any account associated with me. I just need some help because I don't know what to do.