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Anyone ever deal with Nationwide Cash for a payday loan? I faxed them the letter asking for them to mark my account paid in full, as I have paid back more than twice the original loan amount. They immediately called me back, and I was connected to a supervisor named Lynn who immediately became very rude and defensive with me. Supposedly, she is a "paralegal" and knows the law. They do not have to follow Arkansas state law, only New Mexico state law. I even read her word for word the Unconscionable Trade Practice verbage issued by the New Mexico Attorney General's office, and her reply was still that they don't have to follow Arkansas state law. She even asked me where I got my law degree, and informed me that I needed to know what I was talking about before I contacted them. Any idea on how to handle this from this point? Needless to say, all she has done now is made me very angry and more determined not to pay them any more money. Thanks, sorry this is so long!

Posted: Fri May 19, 2006 7:27 am Subject:

Good luck with them. We have them in our plan with T&C and we are paying them off this month. You are correct she is very rude and doesn't want to deal with anyone. You can file complaints on them which may do some good but she's a trip. If I were you I definitely would not talk to her. When did you get the loan and how much have you paid them already?

Guest · Posted: Fri May 19, 2006 7:36 am Subject:

I only owe them $50.00 and a $12.50 fee that is due next week. The original loan amount was $100.00. I have paid $162.50 in interest and $50.00 principal. I know that this is not very much, but I figured I would send a letter out to all of them. Well, had she called me and acted like a mature adult, I might have been willing to work with them. But since she acted like a complete idiot herself, now she has just made me want to pay them even less. Thanks for your help.

Posted: Fri May 19, 2006 8:13 am Subject:

In New Mexico, you done even have to have any training to be a paralegal. Tell "Lynn" until she gets a REAL law degree, she need to keep her trap shut unless she actually knows what she is talking about. They are bound by the laws of the state the borrower resides in ,regardless of whether they have a physical presence in that state or not. Their disclosure probably says something to the effect to f you understand to be bound by the laws of New Mexico, blah, blah, but there is some debate if that is legally binding or not.

Unfortunately , the NMAG wont get involved in disputes with Payday lenders, so you should probably refer to your states attorney general as well as the agency responsible for licensing or regulation financial matters and businesses.

Posted: Fri May 19, 2006 9:42 am Subject:

I defaulted on a loan with one time and they promptly sent it to a collections agency named ADCC. I have been speaking with Perry there and he seems to be very helpful with making payment arrangements that I can afford.

Posted: Fri May 19, 2006 9:44 am Subject:

My account was not sent to collections, it was kept in-house, maybe because I am with T&C.

Guest · Posted: Fri May 19, 2006 9:46 am Subject:

I have already filed a complaint with my Attorney General's office. And I was fairly quick to inform "Lynn" that being a paralegal was far from being a lawyer. I also informed her that even though I may not have a law degree myself, I am fairly well educated and quite capable of comprehending what I read. I will just wait and see how or if they respond to the complaint that I filed.

Posted: Fri May 19, 2006 10:31 am Subject:

For some reason, my replies are coming through as "Guest". Anyway, so now I have received an email from Dennis @ "Langhorne Law" who proceeds to tout a bunch of cases to me citing them as reasons that Nationwide Cash is not subject to Arkansas state laws. He also states that he is "amused that you quoted, though failed to cite Zippo Manufacturing Company v. Zippo Dot Com, Inc., 952 F.Supp. 1119 (W.D.Pa 1997)." I informed him that I have filed a complaint with my Attorney General's office and they will let me know how to proceed regarding this matter. I also informed him that there is nothing even remotely amusing about being called at your place of employment and being verbally abused and yelled at over the phone, and that this was a very unprofessional way for a supervisor to conduct herself. Then I also informed him that I requested in my letter that they contact me strictly by email or US Postal Service, which they promptly ignored by calling me. I am finding this all pretty amusing, to tell you the truth.

Posted: Fri May 19, 2006 10:43 am Subject:

Nationwide is one of the payday lenders I had loans with. My loan has not gone into default yet but it will since I closed my account. I have not dealt with them yet.

Posted: Fri May 19, 2006 10:44 am Subject:

By the way they said they do not lend to self-employed or independent contractor but they did to me.

Posted: Fri May 19, 2006 12:51 pm Subject:

Here is the second email that I received from Dennis at Langhorne Law:

Kindly provide the attorney general with my contact information to expedite handling of your complaint. I look forward to reviewing it.

As for your demand that my client limit its communication to forms you find acceptable, your reliance on the Fair Debt Collection Practices Act is
misplaced. My client is not a collection agency or �debt collector� as defined under that act. It is a first-party creditor attempting to recover
its own account receivable. Therefore it is exempt from the fdcpa. See 15 USCS � 1692a subsections (4) and(6); Pollice v. National Tax Funding, L.P., 225 F.3d 379 (3d Cir. 2000); Aubert v. Am. Gen. Fin., 137 F.3d 976 (7th Cir. 1998); Dau v. Storm Lake Production Credit Assoc., 626 F. Supp. 862 (D. Iowa 1985).

Thank you.
Dennis Williams, Esq.

Is this guy honestly attempting to tell me that I can't request that I not be contacted at my place of employment? What gets me is that I owe them $50.00. Of the several payday loans that I have, this is the smallest one. Thus, I would have been more than willing to work with them on this. That is, until I received the phone call from Lynn. The other payday loan companies that I have sent letters to have all contacted me, via email as I have asked, and have been very professional and have explained that they are reviewing my account and will get back with me. That will certainly make me more willing to work with them.

Posted: Fri May 19, 2006 1:26 pm Subject:

I love their fancy "Letterhead!"

Posted: Fri May 19, 2006 1:36 pm Subject:

These are definitely not the most professional people in the world! What really gets me about this is that Lynn was immediately defensive and rude when she got on the phone. Why not try to work something out with me to pay this back, instead of immediately threatening to sue me? Is that $50.00 really that important? Don't get me wrong, I take responsibility for getting myself into this situation. However, I think that the payday loan lenders need to accept some responsibility too. They make it entirely too easy to get a loan. Not just one loan, but multiple loans. Why when you have 5 loans already out, is there a 6th, 7th and 8th lender out there willing to give you another one? And of all the payday loans that I have had, only ONE has called to verify my employment.

And I think "Dennis P. Williams" is a figment of someones imagination.Every time I called he was always "on the phone." And "Lynn" requested that I never Email them again.

I have also reported them to My States Attorney Generals Ofiice,as well as the BBB Southwest Office.

Posted: Fri May 19, 2006 1:52 pm Subject:

Makes you wonder how he has the time to send emails to you so quickly, seeing as how he is always on the phone. And I would have to tell Lynn that I would gladly never email them again, as long as she never calls my work and yells at me again!

Posted: Fri May 19, 2006 2:05 pm Subject:

Okay, I couldn't resist. I just tried to call "Dennis P. Williams" at the number indicated in the email that I received. A lady answered the phone, and when I asked to speak to Dennis her first response was "Dennis?". I replied, yes, Dennis P. Williams; is he in? "Um, I'm not sure". You are not sure if he is in? "No, I'm not sure if he is in right now". Can you put me through to his voicemail? "Can I help you"? Does he have a voicemail? "Umm, yes he has voicemail". Can you just put me through to his voicemail? "Uh, OK". Then I am put on hold for awhile, then amazingly enough an audix (or whatever that is)a voicemail picks up for Dennis P. Williams. I mean, if you are going to send out emails with someones name on it, at least make sure that the person answering the phone is aware of it!

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