828-604-8669

I got a call from an unknown number with a recording instructing me to call 828-604-8669 regarding a legal matter. So when I called the number, young man answered and stated that he was calling me from Cardinal Legal Services regarding a judgment against me. Alleging that I had a judgment against me stemming from an online payday loan I applied for, was approved for, and had received from Ace Cash Express. Supposedly in January 2011 I obtained a payday loan in the amount of $300 that was deposited into my Chase checking account. The loan defaulted in April 2017 and with interest and fees the new total was $576.50. This person/company had my last mailing address because I moved almost a year ago and he had an email address that I setup in 2005 just before I deployed to Afghanistan. This person/company also had the last four digits of my ssn and he was correct. When I requested a debt validation letter, I was placed on hold and transferred to “John Simmons” at ext 3208. The sad thing is, that not just this company/person, is a very special type of stupid. I say this because I live in NC. North Carolina was the very FIRST state to permanently ban/prohibit payday loans of any type back in 2001, an entire two (2) decades ago. Furthermore, before I called that number, I made sure to have my recording device set and started to ensure that the ENTIRE conversation/encounter was properly documented. “John” stated that his company had already mailed and emailed me validation of this “debt” several times when I once again requested to be sent either USPS mail or email another validation of the debt. He then became very irate and much more forceful with his attempts to get me to make a payment of $576.50 on the spot. He failed to realize that I too was trained in debt collection as a collections agent for Capital One Visa/MasterCard. So, I am very much aware of the FDCPA as well as the statute of limitations regarding debt collection for NC, which happens to be three (3) years. In addition, I know that I can’t and won’t go to jail over any type of failure to repay a payday loan of any variety. So, even IF I did owe a balance on a payday loan, the statute of limitation for NC expired on that loan in April 2020. Regardless of which way he twists, turns, or tries to flip the situation, there would be absolutely NO legal recourse. Plus, according to him, the “debt” was purchased from AceCash Express by Eastern Financial Services meaning that ONLY the original creditor has the ability to pursue ANY collection on the “debt” anyways. These idiots were preying and praying that I was going to be ignorant to the games they were playing. When I wasn’t going along according to their plan, John threw a tantrum and disconnected the call. I am definitely smarter than what they expected. I do deal with “he say/she say” incidents. I always come with receipts and very well documented, unaltered proof of the encounter. Eastern Financial Services is a car finance and loan company located in Greenville, NC 2512 Charles Blvd, Greenville, NC 27858; 252-364-8939. This company has been in business since 7/1/2013, it is an LLC, and supposedly only has (2) employees. Each and every business in NC MUST be registered and can be located on the NC SOS website. So, I did very much take and pull up all the documentation for Eastern Financial Services to compare information. Once again, these two males, not men, but just males, were preying on and praying for me to be ignorant and I am far from that. I have the time, effort, energy, knowledge, skills, and resources to untangle their web of lies. I will most definitely get to the bottom of the scam and expose them. My goal is to make sure that no one falls victim to these low life bottom feeders.