I got a letter from them about a debt I owe of 466 (somewhere around there) which is via Speedy Cash. This last month I then started getting automated calls daily or every other day from Ad Astra.
The original amount of the payday loan was 400. I paid back (around 330), but I remember I sent them a cease and desist from taking money out my account because I wanted to deal with money orders and they withdrew money anyway which overdrafted me and brought my total payments made to around 380 (still owed 200 for interest).
I just want to get this taken care of and it has been over 2 years now so I don't remember the exact amounts I paid. I sent them (ad astra) a debt validation letter along with a cease and desist of phone calls, automated phone calls, and phone calls to my friends/family.
I sent it certified and they signed for it on Monday. On Tuesday and today (Wednesday) I got calls and voicemails from their automated system again about how they are trying to collect a debt.
What is my next step? Just wait for the letter they send back or complain about the calls to my AG/FTC? When is taking them to court for violating my rights an option?
I googled them with how they respond to debt validation letters and saw they do not send payment history just a letter saying they have the debt, and you owe this much. I want to actually see a breakdown of what I owe since I cannot access my old bank statements online anymore. (I had to switch banks thanks to payday loans over drafting me).
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