[Not so Lucky]

FTC stands for Federal Trade Commission. Once you file a complaint with them, they compile all the complaints together and once they have enough complaints they will take action. Also, once you file a complaint, you can go in and update the complaint as needed.

I would be willing to help you out. I hope you get all these lying jerks have to give. I have already paid my loan back since they scared the shit out of me while I was working, I had to borrow a little from a few good friends, but now I feel like a mooch. I try to be responsible with all of my credit ventures, but sometimes things happen whereas a person cannot pay the amount they ask for within like 3 hours, I think they gave me. I wish I had found this site sooner and looked at my rights. You do whatever you have to do jeff to stick it to them!!

DD. I plan to make sure that enough noise is made that this slows down and eventually stops. Don't get me wrong, I do not say that anyone should not pay back a loan, but when the line is crossed, then action is required. What's funny is that there is a line in the Constitiation that kind of addresses this. It says that when a wrong is observed that it is your DUTY to take actioin. And though I am paraphrasing, the meaning is the same. Please let me know if you would be willing to provide some info to me to assist in this case.

Thanks

Draavyn

[draavynknight]

I forgot to use my real name...jeff. And DD, please see my profile and leave a message with your contact info. Thanks again.

jeff

Its the CA's DUTY to correct all u debtor's wrongs... u guys go months w/o paying it back and the p-day loan companies often wait to send the debts out just to help u guys out, I am in the business in some way(not telling how).. but its insane how u can gripe about a CA using scare tactics to get the clients money back. YOU WONT PAY IT OTHERWISE! Pay it back when its due and there are no worries. And yes there are civil penalties for doing these loans and defaulting on them, read ur contract!

[Jedi Mistress Ari]

Hay laughing dude! Where in the contract does it say that they can be arrestedf and sent to prison for defaulting? could you clarify that for me since you seem to know what you're talking about?

[draavynknight]

Ha Ha...I find it pathetic that you stand on your ridiculous beliefs about other peoples situation of which you know nothing about. I find it typical that you hide behind anonymity instead of telling who you really are...but being part of the rampant problem with collection agencies, perhaps cowardice is what they teach you. Perhaps if the collector did their job in way the law requires, these forums would not exist. So my advice to you is this, Get a REAL JOB, and take some of that money you seem to have from the pretend job you have and buy a REAL PERSONALITY. Perhaps if you do that you will have a REAL LIFE.

I have a profile here if you would like to continue this "discussion". However, since an adult discussion requires some intelligence, you may be out of your league.

Cheers.

jeff

[Jedi Mistress Ari]

Nicely done Jeff! He's not a real collector anyway! I used to be a real collector, and collections is all about serving our clients with professionalism, and approaching each debtor with an open mind in order to help them find a resolution that benefits all three parties, the creditor, the debtor, and the collector. it is very possible for a collector to restore the confidence of a debtor. I would know, I've done it!

[draavynknight]

I appreciate that. I have dealt with negotiating with clients and yes it is all about approaching them not only with an open mind, but in the same way or better that how you would like to be approached on this matter. I feel laughing boy, as he does not merit the term man, is a coward and part of the problem.

Thanks again.

jeff

[Jedi Mistress Ari]

You're very welcome. It is my pleasure to be of assistance anywhere in this forum. Especially when these sore losers come in. Collecting payday loans is a dead end nightmare and is very unprofessional. This person has met his final destination. Provided he doesn't break the law too much and get himself fired, sued, or both.

All of these complaints are illegal. I am a legal assistant who specializes in collections. You all have rights even though you owe money. The law states make the representation or implication that non payment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment attachment , or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intents to take such action. Check your local laws but I am 99.9% sure that you cannot go to jail for taking out a payday loan. If that was the case wouldn't people who defaulted on their home mortgage loans go to jail. That is allot more money that a payday loan. Anyways I am all for paying what is due but am totally against these companies that use illegal practices to collect a debt. Totally unprofessional. Technically they cannot even say they are going to take legal action againgist you unless that is what they are going to do.

Oh, and you can also file a complaint against them yourself.

Here everyone I did some homework and found the Company's exects name and email plus additional phone #s so you can call directly I'm going to give him a piece of my mind!

Robert Femekes
Legal Media Practice, Florida
robfemekes(at)bellsouth.net
904-387-3187 And 904-854-9447

Thanks for the tips, this was just on National news the past week about these type of Boiler room businesses that prey on people.

Yes, everyone does make mistakes and owes or gets into financial trouble.

I've read many of the messages reverdue payday loans and the lmp people who call , but can someone tell me what i should do right now.? I had a emergancy and was working ,never had needed nor applied and recieved a payday loan. So i get it pay it ,then get it out again , i lose my job. I called that same day i loosde job, they say since loan not due yet (2 days to soon)call back, i call that due day,they say to call and speak to collection agency, i do that only to be told to soon let check be deposited ext.... I am very nervous to call back, now 4 -5 months has gone by, i have not spoken to any of the hundreds of people calling ,at all, i'm so unsure what to do ,i need to know what steps i should do ,now.?

What's funny about the whole thing is that when I didn't meet the deadline that was given to me the first call, the guy, who was very rude on the first phone call, called me today to see what we could work out. He gave me till 4:00 today and even suggested I borrow it from a friend or family member or have them put it on a debit or credit card. ILLEGAL. It does pay to know the laws. They are not allowed to threaten you with jail or legal actions. They are not even in the position to take legal action, the original debtor has to take that action. I plan on going directly to the place I received the loan from and talking to them. You do not HAVE to deal with the collection agency. Bottom line is they want their money.

I have an outstanding loan w/a payday company. I thought we had an agreement for payment. Apparently not, today, I received a hostile threatening call from Legal Mediator Practice threatening to contact my employer or sue me if the total amount of the payment is not money gram'd to them by 3:00 pm today.

The person would not provide me with a mailing address, or any info concerning this loan. What recourse do I have?