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 Posted: Tue Sep 23, 2008 3:26 pm Subject: NRS calling about a payday loan |
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I have been getting few calls at work and on my cell from this number 888-622-0222 after googling it to see if i can find out who they are i see its for nrs someone name michelle left me a message that she recieved my paperwork she said she is a little concern that this something i am not even aware of, i dont know what she meant by that but she says for either me or someone representing me should contact her beforethey make a decision.I have sent all my c and d letters to the pdls so i am assuming one of them has given it to nsr dont know which one.What should i do ?Anyone here dealt with these people about their pdls.What can they do if anything?I am in new york and its illegal here.Should i call them back and have it out with them.ANy here dealt with nrs.Also how can i get them to stop calling me and both my numbers is that something i can stop?
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ca11375
Joined: 09 Aug 2008
Posts: 38
Debtcc Points: 575
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| Posted: Tue Sep 23, 2008 11:56 pm Subject: |
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If NRS (National Recovery Services) is calling you for a debt then call them back and ask them about the specifications of the debt. Then send a debt validation letter to NRS to the following address: -
| Quote: | 24 Railroad Ave. PO Box 1266
Patchogue, NY 11772 |
Their other contact details are: -
| Quote: | Phone Number:
(631) 758-1900
Fax Number:
(631) 758-1944 |
Now coming to the point of dealing with the pdls. Even if pdls are illegal in New york then also you have to pay them the original debt amount.
In order to stop them from debiting excess money, above your principle amount, you can follow the following steps: -
| Quote: | | Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. |
After closing your account please send the follwoing mail to the concerned pdl company: -
| Quote: | Date:
Name Of PDL
Your Name
City, State
Account #
After doing research regarding Internet payday loan laws in the State of _______, I have found that your Internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the State of _____ in general:
Your State Information
I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with the XXXXXX to protect my interest in this matter, per instructions from The _____ Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.
I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment or my home
telephone number. I also prohibit you from calling my references listed on my loan.
Due to the fact that Internet payday loans must be licensed in the state of ____ to be a legal and binding contract, your company should NOT issue loans to ____ residents at all. I am requesting that you send me your license number which enables you to offer loans to ____ residents.
The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this is only if you provide me with a physical address where I can send payments.
I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the ____ Attorney General's Office.
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.
Sincerely,
Your Name
CC:
Better Business Bureau
Ohio Attorney General
Federal Trade Commission |
Then file complaint to Federal Trade Commission (FTC) and Better Business Bureau (BBB).
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phoenix
Joined: 14 May 2008
Posts: 946
Debtcc Points: 6121
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| Posted: Wed Sep 24, 2008 3:11 am Subject: pdl |
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Yea...see what your bank can help you with. You MAY have to close THIS account and open a NEW one. I'm sure your bank will help with this PDL issue. 'My' bank was wonderful in helping me, when I had this issue.
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sdchargers_63
Joined: 08 Aug 2007
Posts: 1186
Debtcc Points: 11302
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| Posted: Wed Sep 24, 2008 10:22 am Subject: |
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I have already sent my c and d letters to all my pdls.Everytime they email me or call me i re send them the c and d letters .Now am recieveing calls from nrs saying they recieved my paperwork but are concern and its something i might not be aware or.I have searched this company here and have seen other people saying they told them the same thing they told me how they are concerned and i might not be aware of something,dont know what they mean by that.I have read people saying that nrs and pheonix debt management are the same company.So how can these people collevt for illegal pdls and can this nrs have a ny address and try and collect on illegal pdls?
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ca11375
Joined: 09 Aug 2008
Posts: 38
Debtcc Points: 575
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| Posted: Wed Sep 24, 2008 11:29 am Subject: |
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Just keep resending them.
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wssu91
Joined: 31 Mar 2008
Posts: 508
Debtcc Points: 2464
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| Posted: Wed Sep 24, 2008 2:33 pm Subject: |
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Hey wssu i did a search here on NRS an i saw you had same problem as i do now.I sent all my pdls a c and d letters and now i am getting calls from nrs.How did you handle them?What did you do?Meanwhile they have not sent me any dunning letters and i will bet they wont.What happen to you with them?
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ca11375
Joined: 09 Aug 2008
Posts: 38
Debtcc Points: 575
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| Posted: Thu Sep 25, 2008 12:47 pm Subject: |
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I just kept on resending them by either fax, email and mail. they will stop for a while. When they call at my place of employment, I will tell them I am not at work.
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wssu91
Joined: 31 Mar 2008
Posts: 508
Debtcc Points: 2464
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| Posted: Thu Sep 25, 2008 1:00 pm Subject: |
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you faxed nrs your letters?but did they send you anything in the mail or was only phon calls.where did you get there email and fax number.are they still calling you now?
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ca11375
Joined: 09 Aug 2008
Posts: 38
Debtcc Points: 575
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| Posted: Mon Sep 29, 2008 5:23 am Subject: |
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I faxed and mailed my letters.........
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wssu91
Joined: 31 Mar 2008
Posts: 508
Debtcc Points: 2464
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