[CycloneFan]

Didn't the same thing happen to someone else? If you have it in writing then too bad for them.

[Not so Lucky]

Thats the way I see it.

[Cow & Chicken]

Tammy,

Did you file your complaints online against United with the Attorney General's office in Nevada or did you have to mail it in? I'm tired of dealing with these crooks myself.

[Not so Lucky]

I sent them certified mail with return receipt. I am so tired of them. I also have contacted the Oklahoma Consumer affiars and they seemed very interested. I refuse to pay them more when I have in writing the loan is forgiven and marked paid in full. I wish we had never taken a payday loan.

[Cow & Chicken]

I'm going to be mailing complaints to Nevada this week against United Cash Loans. I have proof of my certified letters to them, faxes to them, and e-mails to them. Yet, they are not responding to those but keep sending me collection notices. If they were a legit company, why would they be sending a collection notice via e-mail? I will also be filing complaints in my state against them.

[Not so Lucky]

From what Ari has posted they are in violation of the fdcpa for sending collection letters via email. Today I sent them yet another letter and requested a notification that they received it and opened it. I got a response back from the server that stated, .net 004: You have asked to be notified when this e-mail message was delivered, but the e-mail message has been sent to a destination mail system that does not give that notification. As a result, it is not possible to determine when the e-mail message has been delivered. So that tells me that they have their system set up to where we can't find out if or when they opened it.

[set4sail]

Thanks for the extra info Tammy! I didn't know that collections letters couldn't be sent via email. Makes sense, because it could be a violation of privacy.

More ammunition against them.

[Not so Lucky]

I will try and find the post.

[Not so Lucky]

Ari wrote:
[/b][/quote]

Hold on just a sec! They can't collect debt via e-mail! It's a violation of your privacy rights per the fdcpa. Tell them to pound sand.

Here it is set4sail they are in violation by sending the email.

[Not so Lucky]

I can't use the quote button worth crap.

[set4sail]

lol it figures she had even replied to me. I must have missed that response. HMM more info to include in my complaints.

Wait, since it's under the fdcpa, that applies to collection agencies. The original creditors don't have to abide by the collection limitations of FDCPA.
But I'll check into it.

[Xris18]

the language isn't specific in the fdcpa as to emails or not. It merely says an attempt is considered complete once mailed. doesn't mention anything about the validity of the transmission through email.

[Xris18]

the language isn't specific in the fdcpa as to emails or not. It merely says an attempt is considered complete once mailed. doesn't mention anything about the validity of the transmission through email.

[Xris18]

Tammy, what would you do? I have been threatened continuously with imprisonment, being sued, etc. from Ambassador. I have accrued over 700 in fees from my bank for all their overdrafts (which I feel i shoudl be paying off first) they actually debited my account over 7 times on May 15 even after receiving revocation of authorixation on April 13th. I sent them a letter citing the Illinois Payday reform act, to which they replied that I knew their interest rates before entering into the "contract" and if I don't pay back the amount they say they will sue me. I get a letter today indicting that they will now settle for 585, if they receive the money by 5/31/06. this was my response:

I cannot pay the total amount to you in one lump sum. I will be able to enter into a payment plan with you. Since I revoked authorization for your company to debit my account, I incurred over 700 in fees to my account. I found out last weekend you attempted 7 debits on May 15, 2006 alone. Unfortunately, I must now make payment arrangements with my bank account, and have been speaking with the Illinois attorney general in regard to your business practices and your threat of imprisonment, which I know to be just that, a threat. Civil matters do not involve imprisonment. My constant willingness to make payment arrangements with you, and your lack of cooperation regardless of my attempts, along with all of your continuous debits even after revoking your authorization to debit my account, even while in the midst of discussing my account with you, the Illinois attorney general, will find your practices and business ethics clearly unreasonable and borderline harassment and abuse. As stated before, I cannot make a total payment of 585 to you on 5/31/06. I have to pay back all of the insufficient funds fees that were accrued by your company's unauthorized debits. I will be glad to discuss a reasonable payment plan with you.

I am filing my complaint with the attorney general today. Do you think I can shake them down? do they even have the ability to serve me with a summons and complaint being as though they aren't licensed in Illinois?

[Not so Lucky]

Go after them with everything you have. Go to your bank and show them where you sent them the revocation letter and ask them to reverse the illegal debits. File your complaints with the AG in your state and also file with the Consumer Protection in your state also. Did you send the revocation letter certified mail? If so, take the receipt in to the bank also. They will not sue you, arrest you or anything else. This is a collection tactic. Please pm me with more info and we will see what we can come up with reagrding the matter.

[CycloneFan]

Xris, here's what I would do. Send them a payment (whatever you can afford) money order or certified check with your response via certified return receipt mail along with a letter to not contact you except via regular mail, don't argue with them on email or the phone. Pay what you can, no more. They may turn you over to collection but I doubt it. They refused to work with us also but they finally worked with our debt management company and we paid them $75 per month until it was paid off. Don't back down, but again don't argue with them via email or on the phone. File the complaints and go from there. Good luck!