[Resolved]  Family Credit — Fraud by Family credit

Address:

Central Delhi, Delhi

FAKE FRAUD CALLS FROM FAMILY CREDIT.

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do

not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

Point 1.
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There are few things to consider, regarding this .
1.it could be fraudters using the name of Family credit , an organisation which gives loan
2. Family credit , the real organisation is really messing it up. calling wrong people, with wrong phone numbers. They should post on public platform in case they are not related to this scam.

Now==>
1. I got a call from this number => [protected] and told to call up on [protected].
I was also followed up with a real looking message from FMLYCRD.

Peculiar things were-
No mention of my Name,
My account number,
My bank name etc.
Wierd instalment amount.

Notice the actual Family Credit website http://familycreditindia.com/ says
==> FamilyCredit Limited has been acquired by L&T Finance Holdings Limited
To Contact us:-
Call: 1800 – 3011 – 6688 (Toll Free)
E-mail: [protected]@familycreditindia.com
We sincerely apologize for the inconvenience.

==> The toll free number is different.!!

I some how feel these SMS and phone calls are a fraud , using an existing companies name and coaxing to call people on a wierd toll free number - "[protected]."

Point 2.
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The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the

difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake

debt collector if he:

1.is seeking payment on a debt for a loan you do not recognize;
2.refuses to give you a mailing address or phone number;
3.asks you for personal financial or sensitive information; or
4.exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
==>Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include

the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from

you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop

calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social

Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening

new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find

out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal

FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

Point 3
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How to deal with this.
If they are fraudsters, and you are sure, deal strictly.
1. do not call back.
2. If you get many calls
Change your number
3.If you get threatning calls
Fight upto them, they are cheaters trying to scare you, take you personal identities, bank ac number etc.They can do nothing.
Instead, tell them to take the matter to court, file a case , instead harassing on the phone.I am sure.They will back out and focus energies somewhere else.
4.If still persists
in extreme case,resort to police.
However, this is India and no justice , police will harangue you themselves, better avoid.
5.In case they come home.
Be ready with assistance, beat the hell out of them. Take pictures.

Spread the message before many o[censored]s are robbed.!!