Vantage Point Services , VPS He said he was a fraud investigator and threatened to arrest me on two felony fraud charges. Buffalo New York

These people called me today and I decided to look them up after I made the mistake of using my debit card to send them $161.32  It is true I do not know much about my rights  true I had read before I could not be imprisoned for failure to pay a payday loan , but of course they used a man to talk to me and in is authoritative voice he scared me.  I am a disabled single Mother trying to keep it together with one child n college and one child in high school.  I try to work and make what our wonderful government will let me make and still get my disability.

At the moment I don't know what I am gonna do about paying the other $520.95 they say they will accept to keep me out of jail.  If I pay them I will not have any money to pay my bills but medicine and try to get my son in school.

I dont know what planet your living on but if you write a check for a payday loan and close the acct...thats a crime...I was arrested for the same thing for not paying it . you shouldnt give information when you have no idea what your talking about. If you never took out the loan to begin with then obviosly pay it but if you wrote a check on a closed acct. I know for a fact you can be arrested for it. If you want to know if writing a bad check is against the law just call your state atty office.If its over a certain amount it is a felony also. If you wrote the check you might want to pay it back, also the blood suckers are people like you who think they can get something for nothing...your the scammer..not the people collecting what you borrowed to begin with

 The person who responded to this case saying "count your blessings" is a F*&!@ing retard! First of all, payday loans are not prosecutable in criminal court! In fact, it is illegal for them threaten you saying they are going to have you arrested.  You can report them to the states attorney general's office.  The only reason they threaten that is because even with the internet many people don't know the law, and they don't know their rights.  They take advantage of people and try to scare them into paying.  The threat of prosecution is all they have because they cannot sue. 

They are a business that purchased the debt from the original debtor for pennies on the dollar and turn a profit by intimidating people into paying them.  They can't sue because more often than not the debts are like really old and in most states the statute of limitations on debts are only like 2 or 3 years.  I too was in the military, and the military has become aware that these blood suckers are out there, and while the military does teach it's soldiers to honor debts, they aslo teach not to get ripped off by these filthy blood suckers either.  Sometimes loans cannot get paid back, and if you dont believe me just ask the united states government (we'll never be able to pay our national debts). 

Oh yea, one more thing.  I know how they got your phone number ( I used to be a private investigator) they got your info (name, DOB, etc) from the original debtor, and they used that information to call phone companies pretending to be you, saying they lost their account info, until they hit a match.  The stuff these people do is illegal, but they get away with it because nobody asks questions, and few people report them. 

Hello you my dear should be happy that they did not send a notification to your command. As a military personel I am sure you are aware of the fact that such a thing can keep you from promoting. Yes it was fraud because you did not pay the loan back. And due to you using a checking accoutn to secure such loan it makes  ita serious offense.