Warren Schembs\ PD6 Ventures/Express Cash

Here is another looser that PD6 Ventures/Express Cash has trolling lines for them. Don't take any $hit from this guy, and don't take him seriously either. "He" is one of a few people I have seen and heard of making threats to people from PD6 Ventures/Express Cash. I don't think that is his real name, in fact, I don't think any of these people could all appear in a room together at the same time, if you know what I mean. Really gives you alot of insight into the kind of company this is, and I use the word "company" very loosely here. The word "people" too for that matter, as some of them are a real joke, and "he" is one of them.

He decided to harrass me for money after I had already settled and paid off my PD6 Ventures/Express Cash account over a week earlier, and had the check to prove it. Not to mention I had, warned them in writing and verbally not to ever contact me for any reason. And what happens? This idiot sends me harrasing e-mails, and even sends a hard copy to my home. When I challenged him on it with the facts, you should have seen the infantile reaction he had in the e-mails he sent back to me. Again, helps you to understand who you aren't dealing with, a professional, respectable, company.. From a legal stand point, in a harrassment case, my lawyer tells me it just doesn't get any better.. Enought about that..

It's amazing what they will let an 18 year old high school dropout do these days. There really is a place for everyone in this here world, LOL!

Jerkball, are you still receiving those emails or that has been stopped. How did you make it stop?

I tried to tell him to stop verbally, but he was a little baby who wouldn't answer the phone or return calls, just sending e-mails and a letter. So I threatened legal action, and sent all the e-mails, the letter, ect.. to my lawyer and all of a sudden it stopped.. Haven't talked to my lawyer, so I am not sure where the case stands, and if it was him or me who made it stop.

Just don't take any shit from the guy.

Send a letter of ceases all communications to the firm (certified return receipt).

Is he a fricking moron? They can't do debt collection practices via e-mail! That is one glaring fdcpa violation. You can clean house on this clown by reporting him to the Attorney General of the state he works in! Then you can have him whacked for $1,000 for every violation committed against you!

The whole payday loan business really needs an enema!

Sonic does collections by email also. All the letters I received from National Capitol Collections was by email.

They can't do that! I don't give a rats hat who they are, that is a violation of the fdcpa and those e-mails will make the AG jump several feet in the air and stick to the cieling! Those people are unbelievable morons! Report this crap because it's illegal! I beg you!

Even though I am finished with Sonic I can still file against them for collections by email?

Hell yeah! Collections by e-mail are illegal! How do they know they didn't type-o your e-mail address and demand the money from a stranger? It's a violation of your privacy rights. Get 'em!

I will get the paperwork and letter to the Attorney General ready and mail today. Once again you are an angel with information.

Come on girl! If you took legal action against every collection agency that ever contacted you, since they ALL broke laws, you would be quite a wealthy lady with all the damages you could get awarded to you! These 'wipes live the high life on the backs of people struggling. It pays to hit them where they live!

Ms Heather Lawson does her collections via email as well! Check out this email I received this AM...Ari, please tell me exactly what you think I should do....

April 13, 2006
To: Rachel Kaiser
Account #: 114568
Status: Level 5 Delinquent/Possible Fraud
From: Heather Lawson
Account Manager ECP CD

When we set up the accounts and issued the loan it was with the understanding that payments would be made, but unfortunately at this time we show that there has been nothing that has been paid out from your bank account and you have actively stopped any attempts we've made to retrieve our funds which constitutes theft. We have contacted you various times in various ways (e-mail, letters, phone) trying to re-establish contact with you and work this out in good faith. We have been acknowledged only with your silence, false promises, or outright refusal. Please touch base with me before 04/28/2006 if you want to resolve this so I may make any necessary adjustments. After this date, extensions and missed/late fees will begin to accumulate once more. A fraud investigation into this matter will begin on 04/14/2006, but you do have until the date shown above before legal actions are taken against you. The next contact you have regarding this will be an investigator, or an attorney which will mean reporting to the credit bureau, legal action, and garnishments, which we tried to avoid.

Thanks,
Heather Lawson
> Reconcile Consultant
> Xpress Cash/Laptop Shop
> 1-800-859-6439 x. 241
> 1-800-757-8373 fax
> 2756 N Green Valley Pkwy
> suite 871
> Henderson, NV. 89014-2120

I mean, I never recieveed a post letter from them ONCE!

rkai, keep that email, written evidence of violations is a beautiful thing

This is interesting, I received several "attachments" to an email from United Cash Loans the other day regarding my account.
When I asked them to send me something with the full amount owed, they said they couldn't do that. So I get several "form" letters, with the "This is an attempt to collect a debt...."
I'm bringing these to the state department when I see them next week.

JJ - do you think I should tell the lovely Ms. Lawson that she is violating the fdcpa, or is that too inflammitory? She has been kinda nasty in the past

If you tell her it may make no difference. I suspect that regular violators such as herself hate the fdcpa. Save that e-mail and send a copy to the AG of her state. That will fix her wagon. Not only is sending an e-mail an outright violation, much of the content of that message is a violation as well.