[joyfordream]

I just received a call from these folks. I am thinking it probably has to do with a payday loan. Has anyone heard of them? How would you suggest I handle this?:

[snucky381]

They are a collection agency with US Fast Cash.

[joyfordream]

Does anyone know if this is a real law office or a CA?

hmm US Fast Cash.. joy, what statre are you in?

[jj]

hey joy, that was me above, forgot to log in,,

[joyfordream]

Virginia

[curlycarl]

What did they tell you? Didn't they disclose the name of the original creditor? Ask for validation. When a law firm collects debt for others, they fall for fdcpa, hence they should respond to your request for validation.

[joyfordream]

I haven't talked to them yet. They called me at work so I'll need to do a cease and desist letter for that. I just wanted to know some background before returning their call. The call was from someone named Robert, who claimed to be a paralegal. Does any one have the address for fast cash? or any other names they go by. Virginia Legal Defense had looked at the names I could give him and said as far as he could tell none of my pdl are licensed in VA

[jj]

another idea is to see if virgina legal want to represent you and sue them

[Virginia-Legal-Defense]

Feel free to PM or email me with details, including what county you live in. I'm sure I'll be able to give you more information. Please list all the names you know of that the loan co. uses, including website address.

[set4sail]

joyfordream, and anyone else that is a resident of Va, please please please file written complaints with the VA Bureau of Financial Institutions and the Attorney General's office. They won't do much more than send the companies dunning letters without enough complaints. With enough VA residents complaining, maybe we can get start shutting down more of these businesses. Or at least make it harder for them to stay in business.

[Virginia-Legal-Defense]

That certainly won't hurt - the Bureau of Financial Institutions is a division of the State Corporation Commission, btw, but in my experience they won't take action, because the loan companies aren't really located in Virginia. And, since it's a misdemeanor to do payroll loans without a license, they won't do an extradition, even if the offender is in Maryland or West Virginia. The AG could file a civil suit against them, but I've never heard of it having happened.

[joyfordream]

set4sailor VA Legal Defense, do you have addresses for the 2 places you mentioned that I need to file complaints with

[Roadwarrior]

Langhorne Law seems to be a front of sorts for Payday
loaner "Nationwide Cash" They have real fancy emails!

In my experience C&D's did not work with them. However,
I did send them to Nationwide Cashh and CC'd everything
to my Attorney Generals office.This seemed to hault the phone calls. They emailed me instead!

[set4sail]

joy,

the VA Bureau of Fin. Inst. complaint dept is:

This office will thoroughly investigate your complaint if it is within our jurisdiction and make every effort to bring about a satisfactory resolution.


Virginia Bureau of Financial Institutions
1300 East Main Street, Suite 800
Post Office Box 640
Richmond, VA 23218-0640

As VAlegal pointed out, the Bureau and the AG's office won't do much more than let the companies know we complained unless more people file written complaints. The investigator I spoke with for the state of VA stated that if enough people complain, they will forward the info to the AG's office for them to pursue. I was told they have already done so for one internet lender, but he couldn't tell me more than that it was one of the companies I had borrowed from.

At the least, it doesn't hurt for the companies to see that you are serious.

The law may have changed recently, but according to the VA website it's now a class 6 felony (if they do pursue criminal investigations, and convict the unlicensed company) for an unlicensed company to make payday loans to VA residents. VA code 6.1-468

I looked up the Va AG's website, and they refer complaints to the Office of Consumer Affairs; their website refers complaints about payday loans back to the Bureau of Fin. Inst. so there is really only one place to file complaints.

I just received a threatening phone call from this law firm. They threatened to call my job since this is where I applied for the loan. Is that legal?