Now the calls are coming. USFC has left a message on my work phone, and that was followed by One Click Cash. The latter wants me to call back at once or else certain "actions" will occur, and "you don't want those to happen." I'm thinking now that writing back might be easier on the nerves, but perhaps I will call each of them once. Not sure yet!

My wife just called from home. East Side Lenders has returned the Certified letter unopened, via FedEx. Please advise!

Did you also send East Side Lenders an email?

I wouldn't worry about it too much. I'm sure they will soon start calling also. They might be one that you could talk to one time, just to ask them for a valid mailing address where certified mail will be accepted.

So they stuck an unopened letter in a FedEx envelope and sent it back? That's pretty shady

At least I have proof I sent it. Still, everything is looking pretty ugly. Wondering about One Click's "actions"....

Forgot to answer, yes I sent everyone an email last week.

Ar home now. The FedEx from East Side Lenders (actually not them, but a company called CSC) is a little different than explained. They write:
"Service of process has been received from you on behalf of one of the defendants named in the above action. The service of process is being returned (because) according to our records and the records of the Secretary of State, or other appropriate state agency, we are not the registered agent for the company you are trying to serve. It is your responsibility to verify this information with the Secretary of State, or other appropriate state agency. Our client records are confidential. We do not release any information on our clients, agent representation, or service received. We suggest you contact the Secretary of State, or other appropriate state agency, for more information."

Enclosed in the envelope was a copy of my C & D letter. I'm not a lawyer, but it sounds like they were saying "we're not the droids you're looking for. Good Luck."

Any ideas appreciated.

For some reason, the above post came up as "guest", though I was logged in. Anyway, help?

If you go to the website for the Secretary of State, there will be an option to search for a business in that state. Type in the name of the company that you received the payday loan from (if you even know what state they are supposedly licensed in). If you can find the company, there will be a listing for where the service of process should be made. This means basically that all papers for that company should be served to that person or entity.

What the letter you received is saying, as far as I can tell, is that you didn't send the letter to the person or entity who is listed with the Secretary of State as the proper person or entity for service of process for this company.

Thanks, I'll get on that soon. Meanwhile GECC has me in collections for $274. I've already paid $365 or so on a $300 loan. I assume the next step is to file a C & D with them?

Bumping up for advice. I assume I will have to talk to collections to get their address? This is getting difficult. I checked the DE sec of state site and they want $20 for a web search. Thinking of putting out an APB for forum members who might live near Dover, DE as there's no charge if you go in person.

Go here:

https://sos-res.state.de.us/tin/GINameSearch.jsp

You can enter the business name and get general information for free. Deleware calls it "registered agent information," but I think that's what you are looking for.

Did the CA call you or send you a letter? You do need to send them a letter but this time it will be a request for debt validation...here is the link for one I have used...the good thing about the CA is that they must follow the fdcpa if they are a 3rd party collector....

http://www.debtconsolidationcare.com.../about216.html

Here is information on the FDCPA..

http://www.debtconsolidationcare.com...bout22720.html

As for One Click Cash and their "actions" they can only harrass and threaten you and scare you into paying. Tell them to bring it on. They are one of MTE's companies and they are so illegal. They do not have a leg to stand on. Read this just in case..

http://www.debtconsolidationcare.com...e-tactics.html

__________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.

Thank you so much for the info and links. Work is insanely busy right now, but I'll get this done over the weekend. The CA sent email, by the way.

Email?? That is a new one on me. It may be an in house CA. If you have the name of the CA, you can type it in the search box at the top right and you can see if anyone else has had experiences with them. Also, if you want to post who they are maybe someone can tell you what to expect from them.

__________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.

It's PD Recovery, Inc. Lender is GECC. It was email!