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 Posted: Fri Apr 11, 2008 4:40 am
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Ok Here is my question-Right now I am dealing with Ambassador(nationwidecash.com)-Payday loans are legal in Illinois where I reside and they are legal in New Mexico where Ambassador claims they are located. Now are they bound to go by my state laws in Illinois or by the state laws in New Mexico?
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 4:42 am
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Your state laws are the ones that they are bound by. They will tell you differently , but they are wrong. Your state laws prevail.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
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Posted: Fri Apr 11, 2008 4:43 am
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Oh thank you for clearing that up-now I can plan my next move.
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 4:49 am
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Go ahead and plan. These pdls will tell you anything, but now you are armed with the correct information. Keep us posted.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Fri Apr 11, 2008 4:58 am
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Ok i just thought of another question-What do they mean by first party recoveries dept?
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 7:58 am
Latest Blog Post : Yardwork...Season 2 |
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Reba, it could be just their fancy term for "collection department" which is the guy sitting next to him that will call and tell you you're going to jail if you don't pay.
These people will tell you ANYTHING. Don't let them rattle you. They HAVE to follow YOUR state's laws. They will argue with you.
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Jessi
Moderator
Joined: 01 Dec 2005
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Posted: Fri Apr 11, 2008 8:12 am
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I have filed a complaint with the BBB and now I am off to file with the Illinois Attorney General.
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 10:43 am
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I receive an e-mail back here it is:
(name removed. cannr)
Go ahead and file your complain what your going to tell them that you broke a contract that you signed with us.
And again the loan was taken out in the state of new mexico not the state of illinois,no your acct will not be marked paid in full it will be marked refuse to pay.
Yes our office will be contact your home and your place of employment to get in touch with you to get this matter resolve.
Sincerely
Liz Rolland
ambassdor finanical recoveries dept
I am trying to be civil but it is frustrating. What should my next plan of action be? Any suggestions?
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 10:56 am
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typical pdl,go ahead file.illinois AG is one who will go after pdl's.especially those that threaten and harras illinois citizens.these pdl's make me laugh. 
i do have one question,did you send DV AND C&D letters,if so file asap.
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paulmergel
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Joined: 24 Jun 2007
Posts: 1741
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Posted: Fri Apr 11, 2008 11:00 am
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I did send a cease and decist letter through their e-mail but of course they told me that they were a 1st party recoveries dept. Not sure what that meant and that they will continue to call. But I will send another along with the DV.
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 11:04 am
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Liz Rolland needs a grammar and spelling class.
I am sorry, but when an email especially one that is trying to come off as "serious" is chock full of typos, it loses credibility. Just shows their level of intelligence.
Have you confirmed that they are even licensed on New Mexico as they claim to be?
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volleyballmom
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Joined: 27 Aug 2007
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Posted: Fri Apr 11, 2008 11:07 am
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doesn't matter,if they are calling your employer,they have to comply with a C&D at least to that extent.file your AG complaint.
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paulmergel
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Joined: 24 Jun 2007
Posts: 1741
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Posted: Fri Apr 11, 2008 11:13 am
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Yes the are license in New Mexico, I checked. And I will resend the cease and desist letter along with DV. Thanks for the info
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reba2295
Joined: 02 Apr 2008
Posts: 28
Debtcc Points: 553
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Posted: Fri Apr 11, 2008 11:19 am
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yes,in illinois pdl's have to be licensed in illinois because of the usury laws.it doesn't matter if they are licensed everywhere but illinois.i being from here know that very well.
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paulmergel
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Joined: 24 Jun 2007
Posts: 1741
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Posted: Sun Apr 13, 2008 6:10 pm
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Hey VB Mom....you took the words right out of my mouth. These so called emails and/or letters are probably coming from the same person who is sending the monies to our bank accounts. I always laugh when I read them. They are SO not from anyone who has any sense of business. You you should read the ones that come from Star Advance. I swear to good God that they are looking up the English equivalent of what they are trying to say as they type. The command of the English language is NOT their forte! I have learned so much from using this board that now I can laugh at these things. I still have two hold outs that I am dealing with but I am sure, given enough time, and enough rope, they too will hang themselves.
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llw1995
Joined: 02 Feb 2008
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