Payday Cashlink

I received this e-mail from Payday Cashlink today. I owe them $120.00, but I have closed my account. I sent them 3 letters informing them that I closed my account (2 by e-mail and 1 by fax) and this is what they sent me when they tried to take money out on Monday: How should I respond??

This is what I have written. I have not sent it yet. Please let me know what you think.

Your letter is perfect. I think you should send it because you are stating the laws and are willing to pay the outstanding balance. Send a copy of this letter to your DA's office also.

Do you have their money gram receiver code? If yes, send the balance along with this letter. They might be quick in marking your account PIF rather than doing long correspondences for no valid reasons.

Unfortunately I do not have that information. I have the money to send them, but I will only send what I owe.

See the customer care number in their email and ask for their money order information. Don't tell them who you are. Just tell them that your friend wants to pay a loan and is asking for the money order info. And use a payphone, not your home number.

They will give you that information?? Even if you dont have a loan with them>??

Just got this back...what now??

I just looked at the email addresses and they are all yahoo and hotmail accounts. This guy emailed me from a yahoo account and CC'd 3 other people. Does that seem weird?

Help...I'm really scared now.I looked online and did not see anything about them being licensed in my state. They are saying that they ARE licensed and that they CAN garnish my wages...what do I do?? HELP!!!

I just went to paydaycashlink.com and THIS is what it says at the BOTTOM!!!!

Loans are currently not available to residents of Colorada, Nevada, Pennsylvania, Oregon, Florida, New York, North Carolina, Georgia, Idaho or West Virginia. PUEDE USTED SOLICITAR UNA SOLICITUD DE PRÉSTAMO EN ESPAÑOL

I know it can be scary being threatened with legal action, but try not to worry. This company isn't going to sue you . . . . They would have to be licensed to sue you and recover the money. They aren't going to want to set foot in court because they are dirty.

I encourage you to look at some of the older threads . . . . Many here have been threatened with a lawsuit by a pdl, but you won't find any that came back and posted that the company sued them.

This is what I have written so far...

Any suggestions on anything else I can add?

Sounds good to me . . . . Just be sure to file the complaints . . . .

Can I use the information from their website about loans not being available in Florida against them?

They didn't say they were licensed. They said they were "authorized." A lot of payday lenders follow what they call the single-state model. They get a license in one state, claim they're doing business there and make you sign a contract that that state's laws apply to the loan. No court has ever upheld this model and, even if they did, your contract doesn't apply to the attorney general or the banking authorities. They can still enforce their state laws if they are properly motivated.

I can all but guarantee that this company doesn't have the cajones to go to a Florida court and run the risks (Florida recently threw an illegal storefront lender in jail!) of a decision going against them. And even if they get a default judgment somewhere else they would still need a Florida judge to domesticate it before they could garnish your wages.

So breathe easy, go over to the Florida AG's website and start typing!!!

So how should I respond to this letter?? They may be authorized, but their websit specifically states that loans are not available to residents in FLorida, Georgia and about 8 other states! Should I consult my AG first before I respond to the e-mail? I was ready to pay them whatever they asked, just to get them off my back, but now that he has sent me this e-mail, I want to fight them! Can someone help me draft a letter in response??