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Posted: Mon Aug 04, 2008 9:05 am Subject: Do I have to call them back?

I've got a PDL with B&L Marketing and they are wanting me to call them back to set up arrangements. However, I've let them know in the letter that I faxed and emailed that I need to have everything in writing. They emailed me and let me know that if I would like consideration and my balance marked as paid I had to call them. I've not ever been through this before and I don't want them to harrass me when I call. Why can't they do it over email or can they?

Guest · Posted: Mon Aug 04, 2008 9:22 am Subject:

I refuse to talk to any of them over the phone. I know they are just going to be harassing and rude. when I received the email telling me to call them I told them I was recommended by the AG office to get everything in writing, therefore, we must continue our conversation via email or USPS. If they don't liek that.. then I guess they don't want their $$

Posted: Mon Aug 04, 2008 9:25 am Subject:

thlovely1 I wouldn't call them back, but it's really your choice. Most likely, as the guest said, they just want a stab at you to be rude and demeaning, don't give them that opportunity, make it clear, emails or USPS. Smile

Posted: Mon Aug 04, 2008 9:30 am Subject:

I asked them why we could handle this over the email and their response was:

"In order to settle the balance, you will have to sign a mutual realease. That is why we wanted you to call because if you have filed a complaint already as you said that you we cannot do this."

What can't they do? Settle the balance?

Posted: Mon Aug 04, 2008 9:35 am Subject:

Sure they can settle it, IF they want to, complaint or no complaint they must do SOMEthing or not get paid. I still would cal them, you can say the same thing in an email as on the phone, I think they are just setting you up for a tongue lashing. Confused

Posted: Mon Aug 04, 2008 9:41 am Subject:

That's what I'm afraid of. What is the mutual release? Is that the same as being paid in full?

Posted: Mon Aug 04, 2008 9:53 am Subject:

I am honestly not sure, but do make sure you read the fine print, don't let them rip you off anymore!

Posted: Mon Aug 04, 2008 9:55 am Subject:

Posted: Mon Aug 04, 2008 9:55 am Subject:

I asked them why they can't send it to me over the email. I'll let you know what I find out.

Posted: Mon Aug 04, 2008 10:17 am Subject:

Why would they need to know if I already filed a complaint?

Posted: Mon Aug 04, 2008 10:20 am Subject:

Just an FYI - I had one payday loan that did not do things over email or in writing. If I had not called them, I would not have gotten my PIF.

Posted: Mon Aug 04, 2008 10:28 am Subject:

I was planning on filing a complaint and said so in my letter but I haven't gotten around to it. Should it matter if I have filed a complaint or not? Should I let them know that I have not?

Posted: Mon Aug 04, 2008 10:29 am Subject:

I would not lie to them about the complaint.

Posted: Mon Aug 04, 2008 10:34 am Subject:

Ahhh, there it is. They want you to call so that they can talk you out of filing a complaint. They fear that you will file in the time that it takes for communications go back and forth. If you are ok with not filing if they give you the PIF, then reply to the email that they sent mentioning your complaint. Tell them that you will not file a complaint once the account has been taken care of.

Posted: Mon Aug 04, 2008 10:35 am Subject:

Never tell a pdl that you will not file a complaint if they do what you want. That could get you into some very serious trouble. It's called extortion.

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Do I have to call them back?

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