MyCashNow asking money even after paying it in full

I was wondering if there was a way I caould contact Virginia Legal Defense about the above. I took out a loan with them to buy my kids gifts over CHristmas and was involved in two car accidents, which affected my finances. I am sure I have paid them at least twice what I borrowed (debits frm my account every other week), but have been unable to pay lately. Is there anything I can do? I live in Virginia. Thanx.

Do nothing. If you have the proof that you've paid in full, that's all you need. Now, one thing I've noticed is that a number of these companies are doing business illegally under lots of fake names, so maybe their scam is to say you should have paid a different name than the one you sent the money to. But if you sent the money the same way each time, according to the instructions they gave you, that's going to be tough. Sounds like simple extortion to me. I'd file suit against them, but then that's what I do for fun and profit, and you're not me.

So what about the contract I signed (foolishly, I might add, but I was desperate)? You are saying that if I can prove through bank statements that I have already paid the $1000 I borrowed (and then some in extension fees, etc.), I don't have to do anything even if they threaten legal action? I paid Credit Protection Depot, but I have emails stating that the payments were to satisfy the loan made through mycashnow. Can they do anything in terms of lawsuits, my credit report, etc.?

If I am in the clear, and you say file a lawsuit, on what grounds could I do that?

Feel free to "pm" to me using this website, or look at the "author's kit" thing which will give you my private email address. I'm particularly interested to know where in Va. you're located.

To the GUEST who responded and was wondering where I am in Virginia, I need to know who you are (user name) so that I can pm you or send you an email. Thanx.

I've sent you pm's - please check there.

Hi Virgina.. this is confusing me. maybe I'm not reading it right. You say if they don't have a (or wont give) an PHYSICAL address to treat them like they don't exist. Is there some procedure your referring to ? My manner of treating anyone like they don't exist is to ignore them. But often with these fly by night PDL's , thats the LAST thing you wanna do. Could you shed some light on this? would this advice also apply to collection agencies and Collection Attorneys, etc?

I faxed them of of my "infamous letters" a couple of months ago and they have been quiet since. I think this is a company that moves around a lot too and they claim the loans take precedence in Grenada. Clay, I love your new avatar

Well, yes, I mean to ignore them. If they don't have an address they're not real. If they send stuff to credit bureaus or hassle you in other ways, just send them a letter of objection and protest stating that the purported creditor does not exist, and the facts you rely on to make out that proposition. I'd do a few other legal sorts of things as well, such as file suit against them as "person or persons unknown doing business as [whatever]" and then start sending out subpoenas to their isp, the domain name registrar, etc. to find out who they are really, and sue their pants off. But it's a full time job for most folks to figure out how to do all that, so I'd recommend keeping a close eye on the credit report.

my name is Beverly Pratt in my message is please try TO help me with some cash by 7-25-06 i had just lost my dad and had to use my money, up to A POINT. BUT IF I CAN GET ATLEASE 800.00 DOLLARS UNTIL AUGUST 16 2006 IT WILL HELP ME OUT ALOT THANKS

"Please send me some cash." - right. I'd like someone to send me some cash, too. Btw, as to having lost your dad, I will give you some advice: try looking around near the last place you remember having used him. You ain't using me.

testy - good call. Another PDL troll trying to tell us how good PDL's are. Borrow $800 means paying back $1040 in 2 weeks.

Buckeye check cashers wouldn't stop calling and she didn't know what to do about it even though she was a collector. SO, I did it for her. Not only did I file a complaint with the FTC, I made a copy and faxed it to them along with what sections of the fdcpa they were violating....Needless to say, they never called her at work or at home again. Oh, I did research the company and I sent the fax to the president of the company. That's much more effective, the collectors get in big trouble for that.

Boy you guys are a big help. Coincidentially CreditDepot.com called my husband yesterday. He was at work and I was on my way to work. I asked the lady the name of her company and she said she couldnt tell me...are you serious. I then went to the internet and found this forum. MyCashNow is no longer licensed to do business in Tennessee where I live. My husband had a loan with them months and months ago and it was paid off. I know when we were going to renew it they told us they could not do business in Tennessee anymore. This sounds like a scam to extort money. We are changing our account no tomorrow anyway. My husband is not going to call them...and they have not called back yet. It was paid in full and we have the documentation. They are using scare tactics so people will pay them. Let them turn it over to a CA...who cares....that doesnt scare me anymore when I know I am right and you shouldnt either. If they report it to the Credit Bureaus all you have to do is submit your proof. I am sure they have already had experience with these losers.

heres some info for you virginia person....

mycashnow.com, paydaymax.com, discount advances, paydayspot.com and credit protection depot are all THE SAME COMPANY

located physically at 5962 brainerd rd in chattanooga, tn.

owned per say by CAREY BROWN....feel free to mention his name when u call in and see how fast the rep freezes up lol

all the other address in canada, new york, grenada and antiqua are all FAKE thats why they're po boxes. if you have recvd money from them then close ur acct immediately and ci to chg ur ref phone #s to prevent harassment

they have a second call center located in costa rica which leads me to think that while carey brown lives in chattanooga, tn / nw georgia.....he may move the physical call center there entirely soon.