This is what I have written so far.....feedback please!!
Quote:
Andre,
I am extremely disturbed at the threatening email that you have sent. I am well aware of the threatening tactics that you may try to use and let me tell you, they won't work on me. I know that you can't send me to jail or arrest me or any other such nonsense. I have contacted my attorney general's office and will also be sending them a copy of all of our correspondence to date. First of all, I am not "oblivious" to the contract that I signed, although I never did receive a copy of it, which I am doing now. E-mail me a copy immediately. Secondly, I am not scared of your threats. On YOUR website, paydaycashlink.com, under "Questions and Answers" it states that you do not loan in Florida, Georgia, and a few other states. So if that is the case, why did you give me a loan? I am a resident of Florida and have been since this whole fiasco began. Could it be that you are NOT ALLOWED to lend in Florida? I have also given your name and company to my attorney general's office for additional research. Are you even licensed in the state of Florida? If you are, I would like to see a copy of said license. Once again, the laws in the state of Florida state that rollovers are NOT allowed and my loan has rolled over twice. My original loan amount was $300 (which is what I said initially, not $500) and I have paid two renewal fees of $90.00. That makes a total payment of $180 that should go to my principal, leaving a balance of $120.00. I am more than willing to pay that amount, via money order or US Mail.I will not give you any of my banking information,m nor will I let you threaten me into paying more than I owe. And as far as garnishing my pay, my research states that it is strictly voluntary and that I can revoke your right at any time. I am doing that now, for the 3rd time. I REVOKE YOUR RIGHT TO GARNISH MY WAGES. I have also informed my payroll department. I also revoke your right to contact me at work or to contact my references. They do not need to be harrassed by your threats. I have been more than cooperative in my correspondence with you. I will only communicate with you through e=mail or US Mail.
I am not an idiot and have become aware of what my rights are as a borrower. When you can show me that you are licensed in the state of Florida (even though YOUR OWN website states that you do not lend here) then I will gladly pay what I owe you. But until then, do what you feel you need to do. You can either accept my payment of $120.00 and mark my account in full, or we can see what the attorney general has to say. I expect an answer within 24 hours.
One more thing....who are these other people that received this e-mail?
KERE GREENE <kere_greene>, Nicole Mack <ndmack1816>, PATRICIA WEBB <pwebb_321>
Looks like you sent this same email to other borrowers...killing two birds with one stone?
Quote:
>From: andre walton <dredre44>
>To: , KERE GREENE <kere_greene>, Nicole Mack <ndmack1816>, PATRICIA WEBB <pwebb_321>
>Subject: Re: Fwd: RE: Returned NSF Letter
>Date: Wed, 16 May 2007 13:41:43 -0700 (PDT)
>
>Mrs/Ms.Thomson,
>
> I do remember recently speaking to you, I am Andre' with the Collections Dept. I have reviewed your email and I think that you are oblivious to the fact that in your Original Loan Documents it does states that you are obligated to pay refinance charges as well as a 50.00 paydown on the loan after the fifth refinance. Which is the 90.00 refinance plus the 50.00 paydown Stated In Your Documents.So yes, by law you are required to payback what is due to this company. Not doing so WILL result in taking legal action which the cost of court fees would be soley upon you to situate. We are a licensed loan company with national credibility,So therefore saying we ARE authorized to do business in the state of Florida as well as the other 48 states minus Georgia. You missed your payments and therefore you are obligated to pay the fees that come with (those) returned transactions. Your current balance is 415.00 and your next due date is May 28,07 with a payment of 115.00.
> Failing to make payment, will result in legal action as well as garnishment of payroll which we are Authorized to do.If you have any questions feel free to call me at 1-866-663-6918 ext 706.
> Your original loan amount was 300.00 not 500.00 and YES payments do rollover, however long you let the payment sit, then it will continue to accumulate more interest which will be paid either by your complete cooperation or by letting the courts get involved and retrieving our finances that way. So how would you like to handle this matter?
>
> Please give me a call
> 1-866-663-6918 ext706
> Thank You
> Andre' Walton Payday Cashlink Collections Dept
>
It sounds good to me . . . . One thing I would change though, is take out the word garnishment, and put in wage assignment. Garnishments are court orders, wage assignments are the voluntary ones.
Oops! Thanks! Well I spoke to someone at the Florida Office of Financial Regulation and she said the only thing I can really do is file a complaint with them and try to contact the state where this company is located (I think it's Nevada). Now I'm a little discouraged and don't know if I should go ahead and send my e-mail to Mr. Andre or not.
Heck yes, send it out! I think it was a very well written letter! And if Mr. Andre is using a yahoo address, then he works for a really cheap company!!!
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Just got this back from Andre...and this is what I LEGALLY OWE this company...
Quote:
Well first off, the other people receiving the email are supervisors who will 100%back me in any accusations you make towards my messaging. Secondly,after a long discussion with my Supervisor, she did agree to the 120.00 Paid in full as you have stated. When will this payment be made? You may send the payment to
BlueMax Ventures Attention Payday Cashlink
1201 Peachtree St. Suite 1910
Atlanta GA, 30361
As for loans in Florida, it should not have even gone through the system and I do apologize for the misleading information. However, that should not be a reason to neglect payment of a loan that you received in good faith.These are NOT scare tactics,but yet an attempt to collect on a debt that YOU owe.
05-17-2007, 05:32 AM
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