Internet's first get-out-of-debt community - 129,000 members

Guest · Posted: Thu May 31, 2007 12:59 pm Subject: first contact back from a PDL

So I sent a letter (used the templates from this sight which were VERY helpful) to 2 of the 3 pdl companies. One was to cease the automatic deduction, the other was to stop the automatic dedution AND to ask for a refund because I have way overpaid them. This is the reply I received from them (MTE):

e have received and reviewed your correspondence regarding your complaint with the
company.

Posted: Thu May 31, 2007 1:01 pm Subject:

Don't pay them anymore than what you borrowed. MTE is playing games with you.

Posted: Thu May 31, 2007 1:05 pm Subject:

NOOOO! Do not "settle" ! Do not let them have anymore of your money! ESPECIALLY if you've already paid them and then[i] some. I will try to give a more thorough answer in a few minutes but I'm at work and should probably get a few things done before 5:30!

Posted: Thu May 31, 2007 1:07 pm Subject:

What state do you live in?

Posted: Thu May 31, 2007 1:08 pm Subject:

MTE aka Rio Resources turned me over to a third party collector very quickly.

Posted: Thu May 31, 2007 1:15 pm Subject:

What is the name of the third party collector? I don't know how this company picks and chooses who they back off of. I filed a complaint with my AG's office and they never bothered me again and never sent me to a third party collector.

Posted: Thu May 31, 2007 1:21 pm Subject:

I live in NJ. I want to reply to them, but am not sure yet what to say. I will do this tomorrow. I would love to contact that BIG-Int, but don't have a fax number for them! You can't email them either. I guess in 2 weeks when my account is closed they will call me. I am ready for them. They have taken full advantage and can try to call my employer. I am sick of worrying about this and losing money every 2 weeks. My own fault, I know. But they have been paid back.

Thanks everyone for your feedback!!! After this mess is cleared up, I will figure out how to SAVE more money!

Posted: Thu May 31, 2007 1:23 pm Subject:

This sounds almost exactly like the letter I received from 3Midland! I just emailed them back and told them they were not going to get any more money from me that I had overpaid them and I wanted my account PIF. The next email I got was where they were going to "turn me over to collections". With my complaint to the AG and then the BBB, I have not heard anything more about it.

Posted: Thu May 31, 2007 1:36 pm Subject:

guest, what was the original loan amount and how much have you paid them to date.. If the paid to date is more than the amount then here is what you do... counter back that you have already repaid the principal balance and ask them to refund the difference. If you have already done this or if you do and they do not accept, them reply to them that you are willing to settle your dispute and agree to no further action if they consider your account closed, paid in full. Remind them that if they do not accept and try and collect you will pursue action within your state to seek redress and punishment for their illegfal actions.

Posted: Thu May 31, 2007 1:37 pm Subject:

I believe pdls are illegal/prohibited in NJ. I am going to double check that. You need to file your complaints with the AG's office, especially if pdls are prohibited.

Posted: Thu May 31, 2007 3:32 pm Subject:

When you file your complaints with the ag, ftc, bbb, make sure that you attach any e-mails from the pdls and the cc the pdl so that they know a complaint has been filed against them. I have also filed complaits with Homeland Security - the department of ICE. The look into cyber crimes -cc the pdl with this complaint also.

Posted: Thu May 31, 2007 4:18 pm Subject:

I agree not to pay them any more money. They sent me to collections months after I defaulted with them. I had overpaid them and decided not to give them another dime. I sent them e-mails, faxes, and certified letters. They never responded to one and they even stalked me around the forums here. One day they flooded my inbox with a bunch of e-mails after I had filed a complaint with my AG. I filed another complaint with the DIF and they have been quiet since.

Posted: Thu May 31, 2007 4:37 pm Subject:

I can't believe they stalked you mishele. How did they go about doing that? Would they come here as a guest and begin addressing you in threads?

Posted: Thu May 31, 2007 5:16 pm Subject:

They come here all the time. When I settled with one, the VP gave me his personal contact info. should I have anymore problems with the company, and then added, "Please don't share that on the forum"

Guest · Posted: Fri Jun 01, 2007 6:21 am Subject:

Thanks everyone for all your advice. (I am the guest, but failed to sign in before my post!) I am going to file complaints and also send back my reply advising I have paid them in full and will not request a refund or seek legal action if they mark my account paid in full. This should be interesting! Now if I could only obtain a fax number for that BIG-Int......

Posted: Fri Jun 01, 2007 9:01 am Subject:

I just sent my rebuttal to MTE. I asked for my refund as requested in my original letter and advised if they choose to send me to collections that I will have no choice but to file complaints with the AG, BBB and NJ Dept of Banking and Insurance.

Thanks to everyone. This sight is such a life saver, words can't even describe how grateful I am. Very Happy

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