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 Posted: Mon Apr 09, 2007 4:01 pm |
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One week ago I sent my PDLs letters stating that I revoke their ACH withdrawals and explained how they were operating illegally in California. No one responded. However, Friday when they tried to withdraw money they found my bank had a hold on all ACHs. I am getting responses now. Mostly telling me I have one hour to call them. 500 Fastcash told me that they received my form letter...I believe they told someone else at this forum that also. It was in my own words, but I guess since it basically says "you're illegal" like all the other letters they get, they consider it a form letter. Quote - "Your persistence in this matter with us or any other agency that does not include an account of how your account was handled out of the guidelines of the signed agreement will merit the same response as the one you are now reading." (Underlined and in Bold). They also stated - "Please also note, we are the original creditor, the fdcpa applies only to 3rd party collectors." I didn't say anything about the FDCPA in my letter. Anyway, I have filed my complaints with the Department of Corporations...it is the part of the Attorney General's office that handles complaints for PDLs in California. Should I let the PDLs know that I have filed a complaint with the Attorney General's office?
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tali1956
Joined: 25 Mar 2007
Posts: 132
Debtcc Points: 2979
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| Posted: Mon Apr 09, 2007 4:02 pm |
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Yes, resend your letters adding that you have filed a complaint against them and provide a complaint confirmation number if it is available to you before you send out the letters.
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5315
Debtcc Points: 71264
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| Posted: Mon Apr 09, 2007 4:29 pm |
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Tali-that is the EXACT same letter that they sent to me. Do what Steelers said-file a complaint with the AG and send them another letter with the complaint letter. I am still getting threatening emails from them. Funny how they send us a form letter accusing us of sending a form letter, huh!!! If they knew so much about what was circulating the internet you would think they would be original enough to send us different letters so we wouldn't think they were getting form letters online too!
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Sassnlucy
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Joined: 12 Mar 2007
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| Posted: Mon Apr 09, 2007 5:06 pm |
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I knew someone else had received the same response. I will definitely let them know that I have filed a complaint with the AG. I agree with what you say. They send the same form letter to everyone saying that they have done nothing wrong. Then they tell me that I never told them what they had done wrong. I quoted the laws and explained everything in plain english...they just breezed over that part of my letter. I am sure I will hear from them for awhile, but they are not getting anymore of my money. According to CA law, they are paid in full and they are going to have to live with that.
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tali1956
Joined: 25 Mar 2007
Posts: 132
Debtcc Points: 2979
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| Posted: Mon Apr 09, 2007 5:17 pm |
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Yes! Yes! send them just the complaint# and to whom you have filed with. Dont make a copy it has personal information on it. Also make note in the letter that "within the last 10 years presidence has been has been established and NON collection agencies HAVE been sued for fdcpa violations."They can look them up themselves!- Beleive me they have.
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5mil
Guest
Debtcc Points: 100
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| Posted: Mon Apr 09, 2007 5:28 pm |
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I doubt they even read our letters. There was someone else on here that got the same darn letter. Keep me posted on your progress with them, and I will do the same.
Thanks 5mil, I will tell them that also.
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Sassnlucy
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Joined: 12 Mar 2007
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| Posted: Mon Apr 09, 2007 6:28 pm |
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At least you guys are getting some kind of response, they just stopped calling me...which I guess I shouldn't complain huh?
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Leah
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Joined: 04 Mar 2007
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| Posted: Mon Apr 09, 2007 8:44 pm |
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Do as Steelers says and let them know you have filed complaints with the AG. 5 Mile excellent information you have been giving. I have been reading some of your posts. KYSIDE38
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KYSIDE38
Joined: 19 Jun 2006
Posts: 2500
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| Posted: Mon Apr 09, 2007 9:03 pm |
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I was also acused of sending them a "form lett that is circulating in the internet" When I reported them to the Better Business Bureau I got a quicker response thru the BBB I have been going back and forth 3 times they keep on telling me that I have not specified what they have done wrong excused me? I told them they were not licensed in Florida, I quoted all the Fl Statute regarding pdl well they are all a bunch of crooks and stupids. The last email I got from the BBB was their rebuttal for my previous response they told me they stand firm and they gave me a pay off of I think for $86 and that I had to pay it by 4/16/2007 or they were going to turn me in to their collection agency. Boy I am scare I am trembling (They are MTE I ignore all the other settlement offers and did not paythem so they sent me a letter telling me they did not wanted to keep playing my game so they had closed the account (charged off) and they were not going to debit my account anymore but that I was banned from dealing with any of their affiliates) Wow, my feelings are sooo hurt. I am glad this is over with United cash, 500fastcash, One click Cash, Pacheck Today (These are their other aliases /affiliates
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spanisheyes
Joined: 15 Jan 2007
Posts: 317
Debtcc Points: 12735
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| Posted: Tue Apr 10, 2007 8:26 am |
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Per California law, I paid 500 FastCash $150 more than I needed to...I am not paying them anymore. Lucky me I also owe about $20 to Paycheck Today. Perhaps, I should have 500 FastCash pay Paycheck Today the $20 I owe them since they are all MTE. Now that would be a funny email. Yes, I agree being banned from dealing with them would really hurt ones feelings...never.
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tali1956
Joined: 25 Mar 2007
Posts: 132
Debtcc Points: 2979
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| Posted: Tue Apr 10, 2007 8:54 am |
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I love it how they accuse of everyone sending form letters and that is exactly what they do. When I responded to one of mine, I informed them of this also. I told them that I had written the letter myself and did not use a form, so I know they didn't read it, but that I found it funny how they accused me of the same thing they were doing.
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2nband
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Joined: 30 Jan 2007
Posts: 2160
Debtcc Points: 41033
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| Posted: Tue Apr 10, 2007 9:04 am |
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DMS Mkgt/Xpress Cash/LTS sent me an email stating thatI was in defualt effective 6/14/06...and I'm like dude, I didn't have an account with you then...and he said, oh thats just b/c we have so many of these we send out, we just send the same one. How asinine is that? Based on that alone, I would say I dont owe them anything. I'm special I want letters written specifically for me! (Or he could have done a mail merge from an account database)...
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sswett
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| Posted: Tue Apr 10, 2007 9:10 am |
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I know. I am sure our letters sound similar. There are only so many ways to say you are operating illegally and you are not getting anymore of my money. I am sure that they have heard it so many times now....the letters all do sound the same. Since they have received these "form letters" in the past, they should know that they are not going to get anywhere with their threats and move on to marking our accounts "paid in full." It would save a lot of time since I am not going to listen to their "form letter threats."
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tali1956
Joined: 25 Mar 2007
Posts: 132
Debtcc Points: 2979
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