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Posted: Thu Aug 07, 2008 11:09 am Subject: Light House Recovery (LRA)

I received a phone call from this company last night.
I guess this is the actual company that is collecting from MTE.

Light House Recovery (LRA)
6880 Yosimite Ct, Suite 100
Centennial, Colorado 80112
Phone: 866-520-1240
Brian Berry

I asked the guy who in the heck are the people down in Houston that keep calling me? He said it was 1st. Integral, which is not the name they keep telling me. He said it's their law firm and that I could be taken to court. I said, no illegal and unliscenesd payday loan company it going to take me to court.

He tried to argue with me and said it's not a matter of who they say they are, its a matter of you owing money.

Then he gave me the whole deal about signing a contract to MTE and receiving funds and not paying back..yada yada yada. He pretty much stated that it's an internet loan and no state laws apply..little does he know.

Then he started talking about how the main people who take out paydayloans are people severly in debt and don't think before they sign contracts and going on and on. I said that has nothing to do with following the collection laws and lying and being rude to people. I told him obviously I'm trying to make payments, I'm not running from my debt.

He said I owed 532
300 Principal with MTE
75 fee with MTE
121.50 collections fee (30% of balance)
Interest of 8%

Does anybody thinks it's worth getting a lawyer involved.
Not to mention I never received anything in the mail from either company.

Posted: Thu Aug 07, 2008 11:16 am Subject:

send them a dv letter watch ull never hear from them again dont send a partial c&d because theyll take it as a full cd and wont resond.. i had a payday loan with norwood group for only 100 they sent it to a collection agency demanding 800 i sent a dv letter and never heard from them again

Posted: Thu Aug 07, 2008 11:21 am Subject:

I also just looked them up in Illinois and they don't come up for having a license to collect.

Here goes another company I will be filing a complaint against.

Dang, I'm not trying to get out paying what I legally owe...but they are making it so hard. I'm not going to pay people who are lying and giving me false information.

Posted: Thu Aug 07, 2008 11:54 am Subject: reply

how long have you lived in IL?you will find out our AG is not one to mess around with illegal pdl's and/or collection slime.she
goes right for the juggular.

Posted: Thu Aug 07, 2008 12:33 pm Subject:

I've lived in Illinois for over a year now. I'm going to prepare complaints tonight to send to the AG's office tomorrow.

Posted: Thu Aug 07, 2008 1:07 pm Subject:

paulmegral,

Have you filed a complaint with the Illinois AG office, did you do it online or email or mail.
If so, did you get a response?

Posted: Thu Aug 07, 2008 1:14 pm Subject: reply

i sent my initial complaints via snail mail,then any requests for
further info i emailed.i couldv'e emailed it all,but chose to send it that way.yes i got responses on just about 9 of my 12 pdl's
some have gone into seclusion,some wrote me off,some i got PIF'S.she basically told me all 12 were illegal,and how i wanted to handle it.i said i want to pay the ones i owe,but not what they say i owe.she will if your pdl's won't cooperate she just might make them null and void.she will fight for you.i know this for a fact.it just might take some time,because more people are filing complaints,but it will get done.

Posted: Thu Aug 07, 2008 1:25 pm Subject:

Thanks so much, I'm going to get all that together tonight.
I even have copies of the cashed checks from MTE my debt managment company sent to them. I'm going to also include a copy of the letter I'm sending to Lighthouse Recovery and the company in Houston.

rh · Posted: Sat Sep 06, 2008 6:38 pm Subject: dv letter

What is a dv letter?

Guest · Posted: Mon Sep 08, 2008 1:35 am Subject:

DV=debt validation.

Guest · Posted: Thu Sep 11, 2008 10:31 am Subject: LRA

Does anybody know where to check to find out if this agency(LRA) is licensed in the State of NY?

DENISE · Posted: Wed Oct 22, 2008 2:31 pm Subject: LRA

I NEED TO KNOW IF THEY ARE LICENSED IN TEXAS, I SWEAR THEY HAVE SWITCHED collection agencies 4X IN THE LAST 2 MONTHS I'VE BEEN DEALING WITH THEM. THEN I HAD THEM FUSSING AT ME SAYING I CLOSED MY ACCOUNT, AND I TOLD THEM NO MY BANK CLOSED MY ACCOUNT BECAUSE YOU DUMB A**** KEPT TRYING TO SEND A PAYMENT THROUGH WHEN I ALREADY TOLD YOU THE FUNDS WERE NOT THERE ON 3 SEPARATE OCCASIONS, THIS IS THE LIE THEY TELL YOU, SAYING YOU WILL BE PICKED UP FOR CHECK FRAUD, EVEN THOUGH YOU DIDN'T COMMIT CHECK FRAUD, BUT I HAVE EVERY SINGLE PAPERWORK MY BANK SENT ME ON HOW MANY TIMES THEY TRY TO SEND A PAYMENT THROUGH, IT WAS RIDICULOUS!!!!

Posted: Thu Oct 23, 2008 6:52 am Subject:

Yes this place is so full of crap. They told me I was lying when I said I was mailing checks to the original creditor..then when I told them I had copies of the cashed checks the original creditor cashed. He still told me I was lying, then I said I was all prepared to fax the checks to him. Then he started stumbling on his words. Then when their so called legal dept. in Texas called me I told them I was going to have to get back to them because I'm getting ready to go meet with my attorney. That was over a month ago and haven't heard from them since.

Asia · Posted: Tue Nov 18, 2008 11:11 am Subject: Payday loan

I rec'd a call at my job from LRA regarding a payday loan I rec'd several months ago. They told me my bill was 1600 and I borrowed $500.00 I told them months ago that I would pay them the $500.00 but no more. They were charging me $300.00 principal and other fees.

The guy Barry that called, told me that he was going to have my wages garnished and was very rude. I told him that I did not have that kind of money and I would not be entertaining his rudeness. He told me either I have the money there today or watch his move. He heard the dial tone. I live in NC do they have a right to garnish my wages.

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