I received the same email from "Michael Meza". I think the last part is funny - 'if you have any doubts about the credibility of this email...'


Affiliations: Judicial Circuit of United States of America
Date: #####
Plaintiff: Quick Payday
Reference#: ####

Description of Information: The case is to be registered in the court by Nov. 13th, 2017 3:30 p.m. and will be executed in the court after five days.
Our client Quick Payday is a Finance Company claiming outstanding dues of a Pay Day Loan provided to their Client: xxxxx with Social Security Number: xxxx by administrative offset of account payable by the Government under section 9, chapter 19.
Providing us American Legal Processing Division a DIVISION OF FEDERAL CRIMES BUREAU, the legal representatives are pursuing to hold you in regards to six serious allegations, which are under the presumption of civil charges.
1. Violation of Federal Banking Regulation Act 1956
2. Collateral check fraud
3. Breach of contract
4. Internet fraud
5. Theft by deception and
6. Violation of EFT that is Electronic Fund Transfer Act 1989

Now, these allegations were produced from the fact that you were being monitored online as well as tracked down by the Internet Prevention and Detection Department Internet Legal Research Group (I.L.R.G.]), using your email address to solicit funds from a website owned and operated by Quick Payday. As per the records of A.L.P.D, this site is working under QUICK PAYDAY.
The funds were successfully transferred into your bank account utilizing an interstate E.F.T. that stands for Electronic Fund Transfer, but when Quick Payday tried to extract the funds back as repayment, there were 6 E.F.T ’s returned, constituting a worthless electronic check and after several reminders, you did not bother to reply back. Therefore, instead of chasing you for money, Quick Payday has decided to write off this money as the loss and deemed it to be stolen as well as press charges against you for Financial Fraud and Theft by deception. Henceforth, under Section-9, Chapter-19 they have filed the legal lawsuit against you.
Under Section 31 U.S.C. 3716 the company can collect the funds before seven years of the contract as per the federal government's right to collect the debt first accrued, except as otherwise provided by law.
For you this means three things:
1. If you are in any state supervised probation on parole, you need to contact the officers and make them aware.
2. If you have any prior convictions including but not limited to worthless checks, grand theft, or money laundering, please know, your case will be treated as a habitual offender because your state is a zero-tolerance state.
3. You do have a right to hire an attorney to take this matter inside the courthouse with the legal procedures. If you do not have one or you cannot afford one than one might be appointed to you if you lose this case in the court than the legal charges will be levied upon you that will $ 8,483.67. These exclude your bail fees, your attorney fees, and the outstanding and principal amount you owe to the client.

According to State Bar Association, your trial attorney's charges will be nothing less than $ 255 to $ 520 an hour. Also, the court fee charges, legal affidavit cost, bail fees, stamp duty, and the outstanding amount that approximately comes around $ 17000 to $ 18000, which you have to bear. So, make sure that you do not lose the case.

IRS Reporting
Kindly find a 1099-C and W-9 and fill out required information along with your TIN (Taxpayer Identification Number). The IRS under Internal Revenue Code 6331(H) will monitor your matter to make sure that you report the amount of income.

Even if you don't get a Form 1099-C from Quick Payday, the Quick Payday may very well have submitted one to the IRS. If you haven't listed the income on your tax return and the Quick Payday has provided the information to the IRS, you could get a tax bill or, worse, an audit notice. It could end up costing you more (in IRS interest and penalties) in the long run.

If you have any existing payment plan with the IRS, then it will be terminated under the section 30 AFIR code.

Foreclosures and property repossessions: This rule applies even to debts you owe after a house foreclosure or property repossession, the IRS have each right to mark liens on your assets which includes your bank account, house, automobiles, shares, certificates or any private government bond will be totally ceased. All your public bank accounts will get frozen and confiscated, state id, debit cards, and credit cards, etc. and detained by the department of treasury.

By forwarding the subpoena to social security any child support, disability, unemployment or retirement benefits will be either placed on hold or will be stopped until the outcome of the case. In this situation, the law can seem especially cruel: Not only have you lost your property, but you will also have to pay income tax on the difference between what you originally owed the lender and what it was able to sell your property.
In addition, it might be possible that they also file a non-bailable arrest warrant for you for jail time.

Sincerely,
Michael Meza
Legislation Department
Esper Law Firm

*** If you have any doubts about the credibility of this email please refer to the Terms and conditions under the breach of the contract via the online application filled up by you. ***
____________________________________________________________________________________________________________________________________________________________
Copyright © 2015 FCI | Privacy | Terms of use

I just received the same email from "Tammie Fowler" and when I called the number she provided, she wanted me to go to money gram and make a payment to some name she was going to give me. She couldn't provide any specific details about the so called loan but she had my real name and social security number, which just so happened to come after millions of SSN being stolen. Another red flag was that it was coming from some gmail account. I'm just glad I didn't give her any money or information.

On Wednesday, June 24, 2015 8:13 AM, Tammie Fowler <[email protected]> wrote:
 
Hi,
 
Dear                   : my name
SSN                   : my social security number
I.P. Address        :
Bank Account#    :
Client                  : PayDay One
Docket#              : BC642360
 
Since you haven't responded us let me inform you that you are running short of time because the case is to be registered in the court by June 24th 2015 3:30 PM and will be executed in the court after 5 days.
 
According to affidavit -
 
Financial Crimes Investigation is pursuing to hold you in regards to six serious allegations which are under presumption of civil allegations.
 
1.            Violation of federal banking regulation
 
2.            Collateral check fraud
 
3.            Breach of contract
 
4.            Internet fraud
 
5.            Theft by deception and
 
6.            Violation of EFT that is Electronic Fund Transfer.
 
 
 
       Now these allegations were produced from the fact that you were being monitored online as well as tracked down by the Internet Prevention and Detection Department (Internet Legal Research Group [I.L.R.G.]), using your email address in order to solicit funds from a website owned and operated by PayDay One.
The funds were successfully transferred into your bank account utilizing an interstate E.F.T. which stands for Electronic Fund Transfer, but when PayDay One tried to extract the funds back as repayment, there were 6 E.F.Ts returned, constituting a worthless electronic check and after several reminders, you did not bother to reply back. 
So as of now rather than chasing you for money, PayDay One has decided to write off this money as loss and deemed it to be stolen as well as press charges against you for Financial Fraud and Theft by deception. Henceforth, under Section-9, Chapter-19 they have filed legal case on people like you and set up as an example to others who aren't willing to pay the money back.
This is also to inform you that as this loan was provided to you against your pay checks so my client PayDay One has all the rights and authorities to Email/ Fax this issue to your current employer about this case and to make sure they take strict actions against you. Consequently, your salary/wages will be garnished.
Also non repayment of loan will be reported by my client to the other 3 major credit bureaus causing severe damage to your credit score. (In addition, by
the time you decide to pay off your loans, lender rarely reports about the repayment to credit bureaus, if this happens, it will be difficult for you to qualify for other loans.)
 
With this I have briefed you up with the affidavit and done my part, now the best is up to you.
 
Sincerely,
Tammie Fowler
Restitution Department
 
________________________________________________________________________________________________________________________________________________________________________________________________________
Note : This notice is provided to you on behalf of PayDay One Inc. and its parent company , and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “Cash Advance Related Companies,” “we,” “our,” or “us”). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ez Money Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “Your” means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.*
 
Copyright © 2006 FCI | Privacy | Terms of use

I have received the same email from Brandon Dodson regarding how I owed money and they would notify the courts and police and have me prosecuted as well as other threats. I also called the phone number listed as the guy wouldn't give me any dates stating it was downloaded and forward to the courts, his only interest was retaining the money owed so he wouldn't have to forward this matter to my local court authorities destroying my image, his advise was just pay it so you won't have any further complication. I now through my own investigation found out this was a scam, there are many people out there who don't have this knowledge of investigating online and are scammed out of thousands of dollars, some maybe elderly and forced into cardiac arrest just by reading these threatening emails which look somewhat professional if your not that knowledgable on computers or collection procedures. They also had two names of someone I knew and may have used as a reference, Social Security Number. Since the HIP computer security hacking two weeks ago which I was once insured by Anthem HIP, I have been receiving these emails. I recently spoke with a investigative news reporter regarding reporting this story which would probably become a nationwide news covering story because I'm sure this is happening to thousands which should be out to a stop and the accused found and prosecuted, because I'm sure this is probably destroying marriages and many people's lives. This is one of the emails I received after replying to the initial email.



It's all about an internet pay day loan which you took out from Payday One and failed to repay them back.
Company has sent you many reminders but you didn't respond positively, so now as of today's date company wants to take you inside the court house.
Now this means three things for you:
1. If you are on any state supervised probation on payrole, you will need to contact the officers and make them aware of what you have done.
2. If you have any prior convictions included but not limited to worthless electronic check, grand theft or money laundering, please be aware, they shall handle your case as that of a habitual offender as you might be well aware that your state is a zero tolerance state for Financial Frauds and Internet Frauds
3. Lastly you do have the right to have an attorney and if in case you do not have one or you can’t afford then one will be appointed to you from our end to represent your case in the courthouse and if the court proves you guilty then the total cost incurred to execute the case which is $ 9,583.67 will be levied upon you and this amount will exclude the attorney charges that will be hired for you from our end and the due amount that you owe to my client which is $ 1,150.

In short you will end up by paying $ 9, 583.67 either by selling any of your personal assets or properties. Company has a burden of proofs about that loan. Along with you the two references which you used while making the transaction they will also have to face the consequences.
But if you want to take care of this matter by paying the debt of $ 1,150 as a settlement amount in full, all the charges will be removed on your name and you will be getting a 16 pages paid in full letter along with contract letter at your door steps.

Your file is set to be processed. I have personally looked over your file and with my experience there is nothing here to suggest that this was done with any ill intent or malice. Therefore, the nature of this notice is to determine whether there is a willingness on your part to resolve the matter voluntarily or if this is a flat refusal to resolve and a breach of verbal and or written contract. Now would you like to resolve this matter today or is this a flat refusal?

Thank you,
Restitution Department,
P.O. Box 1447, Brooklyn, NY, 11207
347 435 1251

So I just received a email from this same person earlier today. I am one to always question stupid looking stuff, even if it is completely legit I will still call bulls****.. I copied and pasted his email he sent to me and as you can see, just like someone stated already, it is from a personal gmail account. I would have just deleted it BUT he had my actual social security number! Im really not comfortable with that. Here is his emal...



My First and last name
my mailing address was here
city and my state

Client : PAYDAY ONE
Case File No: BC639503


I am Jay Dickens from Financial Crimes Investigation.
This is prior notification regarding a legal case file.


Unfortunately we have received a legal case file which is pending on your name and on your social security number with all of your personal details clearly listed in this affidavit over here and your social as a primary suspect in this case file and your social security that is (and gave me my social)
So reply me back on my as soon as possible as this is the prior notification to you before your case file gets downloaded inside the court house and you face any kind of legal consequences. The issue at hand is extremely time sensitive.

I have all the proofs with all of your personal details in the affidavit so before it gets downloaded inside the court house with the legal procedures on your name and on your social security number with hampering your credit ratings just reply me back whether you want to put a hold on this case file and settle it outside the court house with the settlement amount or else you want to take this matter inside the court house with the penalty fees, judge fees, court house fees and you may end up in a legal mess.

I just want your intention on this case file that do you want to put a hold on this case file or should I proceed it inside the court house with the legal procedures on your name? Reply me as soon as possible.

This email, including attachments, may include confidential and/or proprietary information, and may be used only by the person or entity to which it is addressed. If the reader of this email is not the intended recipient or their authorized agent, the reader is hereby notified that any dissemination, distribution or copying of this e-mail is prohibited. If you have received this email in error, please notify the sender by replying to this message and deleting the email immediately.*


Sincerely,
Jay Dickens
Restitution Department



Because he did have my social I thought there might be some kind of truth, maybe someway shape or form I did do something. regardless I have to reply I need to know why he has my social....lol.... So this is my reply to hi,..................Okay…..Since you put on blast my social security number. So I will reply I'm going to go with that this email is some bull spam junk email. I'm really glad that you did have my correct email and didn't just email some random person this email with my name address and social…that's genius!
ANYWAY I have absolutely no earthly idea what “financial crime” I took part in especially since the address you have of mine is sooo old. So whatever your referring to took place 7 years ago because that's the last time I was at that address. So yeah I would like for you to enlighten me with the “proofs” that you say you can show me with all my personal details because im really puzzled and now curious


I just now received his reply..copied from my inbox......

Hi,


It's all about an internet pay day loan which you took out from Payday One and failed to repay them back.
Company has sent you many reminders but you didn't respond positively, so now as of today's date company wants to take you inside the court house.
Now this means three things for you:
1. If you are on any state supervised probation on payrole, you will need to contact the officers and make them aware of what you have done.
2. If you have any prior convictions included but not limited to worthless electronic check, grand theft or money laundering, please be aware, they shall handle your case as that of a habitual offender as you might be well aware that your state is a zero tolerance state for Financial Frauds and Internet Frauds
3. Lastly you do have the right to have an attorney and if in case you do not have one or you can’t afford then one will be appointed to you from our end to represent your case in the courthouse and if the court proves you guilty then the total cost incurred to execute the case which is $ 9,583.67 will be levied upon you and this amount will exclude the attorney charges that will be hired for you from our end and the due amount that you owe to my client which is $ 1,150.


In short you will end up by paying $ 9, 583.67 either by selling any of your personal assets or properties. Company has a burden of proofs about that loan. Along with you the two references which you used while making the transaction they will also have to face the consequences.
But if you want to take care of this matter by paying the debt of $ 1,150 as a settlement amount in full, all the charges will be removed on your name and you will be getting a 16 pages paid in full letter along with contract letter at your door steps.


Your file is set to be processed. I have personally looked over your file and with my experience there is nothing here to suggest that this was done with any ill intent or malice. Therefore, the nature of this notice is to determine whether there is a willingness on your part to resolve the matter voluntarily or if this is a flat refusal to resolve and a breach of verbal and or written contract. Now would you like to resolve this matter today or is this a flat refusal?


What do I do now? What can I do? Like I said any other time I would have just deleted it and been done with this bulls***...but he has my personal information....

Hello I have receiced several emails from a Mr. Jay Dickens who sends emails with fraudulent accusations. According to Mr. Jay Dickens I received a large loan from USA Quick Pay which is false, I have never received or applied for any loans and when i asked him for supporting documents he ignored my emails and continued to warn me that i would be taken to court, I asked him to please take me to court because i dont have any issues with showing that i never obtained such loan. Please beware of this scam artist and dont fall for his scam.... Mr. Dickens does not provide any documents because his accusations are false I believe he obtains information online and I will be reporting him to the the IRS and GOV shortly. Please also note he is sending all of his emails from a GMAIL personal account, what real professional really does that? I am getting ready to file a harrasing claim against him aswell and has been added to my spam list so i wont be wasting any more time on this scam artist!

I have been receiving emails every Friday. The first was received on September 12, 2014. It was from Jay Dickens, email address is [email protected]. He is from Financial Crimes Investigation, Restitution Department, P.O. Box 1447, Brooklyn, NY, 11207. Phone number is (347)-435-1251. I called the phone number to find out more information, but I was yelled at, due to my intelligence that it was a scam. I ignored the email, and I reported it to [email protected]. I received another email on September 19, 2014, a lawsuit reminder. I responded that if Jay Dickens did not stop threatening me, I would report him to the police, and file reports to the BBB and elsewhere. He wrote that I would be taken to court within 5 days because I have ignored the several attempts they've made to contact me. I was only emailed the week prior. I reported the business to the New York BBB. Today, September 26, 2014, the same email saying I will be seen in court 5 days from now. I called my bank institution and notified them of the scam and they made a notation on my account in case USA QUICK PAYDAY tries to take money from me. But I doubt they have my account number since they claimed that 6 EFT's were returned, but my statement doesn't show any transactions for that.
Beware of this scammer!