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I am trying to get out of my overcharged payday loans. I want to file the "polly" letter with the pdl people, but my main concern is the calls to work. I can handle the calls to my personal phone, but my employer does not allow personal calls at work. I can lose my job over it. Is it Guaranteed that those companies WON'T call my work once I send it in?

How exactly do you file a complaint with the state AG?

I just want to get all my facts together before I get started and in over my head.

Posted: Sat Jun 02, 2007 3:14 am Subject:

google your state + attorney general to pull up the website. Many, if not most or even all have forms you can either download and mail in, or an online form you can fill out and submit. You can also call them for assistance.

I'd talk to your supervisor and explain the situation. At least if they know why you are being called, even if the PDLs are breaking the law, they may cut you some slack. I wouldn't say that it is guaranteed that you will not receive calls...that is ultimately in the hands of the PDLs/collection agencies, and many will repeatedly violate the law.

Posted: Sat Jun 02, 2007 7:22 am Subject:

Morningstar is right. Unfortunately, this is no promise that the calls will stop--but the only thing I have found that seems to work is an AG claim. That will do it for you. And if the worst happened and you did lose your job, I think you would have grounds for a harassment claim against them.

Posted: Sat Jun 02, 2007 7:57 am Subject:

I agree with everything said by morningstar and kscornell. Filing complaints with my AG's office helped me out tremendously. I don't know how other state's AG offices work, but with mine when they receive a complaint they definately let the other party know they are looking into it. And most of these illegal pdl companies do not want to catch the eye of an AG's office.

Posted: Sat Jun 02, 2007 10:11 am Subject:

Steelers and Ks are right! The complaint to the AG seemed to be the only way to get them to stop harrasing me as well!

Posted: Sat Jun 02, 2007 10:28 am Subject:

And besides, if you did lose your job, these PDL companies have screwed themselves in the process, because noone's getting paid, right?

Posted: Sat Jun 02, 2007 1:39 pm Subject:

The very first line of this topic says "Overcharged account". If you are aware of your state laws and have overpaid on the account, it is illegal for the company to call you again and collect more money from you. They have already violated the law in the first place, and then they are doing it again by calling your place of work. You must get the Paid in Full letter by now.

Posted: Sat Jun 02, 2007 10:34 pm Subject:

Does anybody know anything about loan shop online/red horse ventures/?

The email address is from dms marketing? so are they just fronts for dms?

I want to email somebody about getting my loan PIF status and getting a refund but not exactly sure who I am dealing with.

I have overpaid according to the laws of florida and by looking at some other people that had dms marketing they have issues refunds. I have another payment coming out wednesday and would like to get this taken care of before then.

Also, Should I see how they respond to the "polly" letter via email before I file a complaint witht he Florida AG to see if they will refund me money? Do both? Just want to maxamize my chances of getting a refund.

Posted: Sat Jun 02, 2007 10:35 pm Subject:

I forgot. If anybody is familiar with them I need address and contact information for them in order to file a complaint. thanks again

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