Debt Consolidation/Paying off debts

Go Figure.....I guess C will have to wait for them to make contact. Oh well, can't get your money if you make yourself too hard to find.

What? Are you implying that they may be hiding? A pdl hiding?

have started to come in. only from two companies united cash and 500 fast cash... I will start sending the letters out cuz come this friday.. its going to be the other 11 who will know that the account is closed!

so now i send out my letters to these people since my acount is closed correct? and cc my AG, BBB, and FTC?

well i received a call here and there from united loans. i got two letters about them being "Sent to collections" for 500fast cash and United Cash. i bascially sent my letter to AG, FTC, and BBB, i emailed the letters as well to every PDL and am sending them certified. CTC, couldnt open my attachement so they gave me a number to call but we will see about calling them, or just keep emailing them. FTR Processing sent me THIS email:

Subject: RE: Loan
> Date: Thu, 10 apr 2008 11:43:24 -0400
> From: josh@mitchemcompanies.com
> To: nina2219@hotmail.com
>
> Mrs. Camacho
>
> I respect a consumer who researches the services to which he/she
> uses. With that being said when you applied for and agreed to the terms
> of the loan it would have behooved you to read the complete contract you
> were agreeing to. You are a citizen of the state of California, however
> the contract was not made in the state of California. The contract was
> completed via the world wide web, the governing law (clearly outlined on
> page 4 of your contract) which you agreed to by your legal e-signature
> is based in the isle and providence of Nevis West Indies Bahamas. When
> you spoke with Dominic Magana on 03/07/08 12:42 pm cst he clearly
> outlined how the loan works and what the finance charges were, yet you
> still excepted the loan.
>
> If you would like to schedule a payoff or paydown on the
> balance due of $390.00 you can call our offices at toll free
> 1-866-230-7824. If you revoke authorization for the debit that is due on
> 4/11/08, your account will be sent to outside 3rd party collections. If
> your account is sent to outside collections it could hinder your ability
> to write checks or receive cash advances from our over 100 affiliate
> loan companies.
>
> If you have any questions do not hesitate to call or email.
>
>
>
> Thank you,
>
>
>
>
>
> Josh Mitchem
>


i guess i wanted to know my next step with THESE guys?

help!

Attached is a copy of your contract. In regards to the governing laws, see page four of the contract. The governing law of California is not applicable, since you agreed to abide by the laws of Nevis.If you wish to revoke authorization of our debit you need to file that with your bank. If you funds do return to us as a stop payment, your loan will be sent to outside collections. -HuskHawk Marketing

so these are the two letters i have gotten from them. granted the contract was MADE in wherever, it doesnt follow under CA guidelines correct???

yes,they all say that.the loan is under your state law not theirs.don't let them tell you different.

so what do i tell them? basically that under California law 1. I am only supposed to have one loan at 300 maximum, and that there is no rollover fees or extension? That I cannot WAIVE california Law???

if i'm not mistaken,both of those are MTE,they are totally illegal.keep at them.they will do and say anything to get you to pay,don't believe it.

Good advice Paul. C, Paul is correct...keep telling them the same thing over and over agin. Stick to your guns. FTR Processing can get really ugly, threaten to have you arrested for fraud, tell you they are going to have you arrested, the cops are comming to get you at work. Just do not let them scare you. They can not have you arrested. As Paul pointed out, you go by your laws, not theirs.

well i will do that then. i did send my complaints to FTC and AG. I sent all my letters in the mail and CC ag, FTC and BBB. I will stand firm and try my hardest to get all these off my back!!

C, Good for you. Fight the good fight. Just remember we are here for you and here to support you!

yeah im just soo..scared for whats to come. i am hoping for the best. i closed my account but im scared that they will try to take money out.. they must not be able to cuz i received a letter from United cash and 500 fast cash saying im now in collections with them..

C, my opinion, collections is not a bad thing all the time....atleast with collections there is no question about which laws they have to follow. They have to abide by the fdcpa (Fair Debt Collection Practice Act) and if they do not, you can file against them. I got more resolution from the CA than with the pdl. If you have time..go to the dealing with collection agencies fourm...at the top there is a sticky on the FDCP, look at it and read some of the members posts. That may help you. Do not be scared of what is to come. You have us. We will be here, hold your hand, listen, help and cheer you on. I promise it will be ok...