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I am somewhat new to the forum. I live in Alabama. I had a loan in November or December of 2007 with Discount Advances (internet based of $740.00. They took payments out of my account for several months. I have to go see if I can get a printout of the payments as the account is closed. I also paid them monies through money gram. they have now sent me to Professional Debt Mediation, Inc. in Jacksonville, Florida claiming I owe 848.25. I know I have paid them almost $700.00. The Debt Mediation Co is saying that they said I have yet to pay them anything. I am sure they are saying this b/c they are trying to collect 848.25 in interest. I have asked the guy at Debt Mediation to quit calling me at work and that I would contact him when i receive all my payment info. He has called three times today so far. I also told him that they have placed illegal interest rate on my loan. I did not know what to say. Someone, Please help me as I need to do something quick.

Also, I have two pdls with stores in Alabama. I can only pay my fees and b/c of that I will not be able to pay my car. I need help bad and due to a financial hardship in 2006 my credit is poor. I would like to explain my situation if anyone can help me. The two pdl that are local will not work with me. They are Easy Money ($352.50) and A dollar cash advance ($528.75). I have paid my fees but next week I will have to pay the balance and I currently do not have money to pay my car and do not know what to do and cannot and DO NOT want to get another PDL as that is why i am in this mess.

Thank you for all of your advice.

Posted: Tue Oct 07, 2008 11:06 pm Subject: Professional Debt Mediation, Inc

You might want to start by sending them a debt validation letter. This will inform them that you are invoking certain rights under the fair debt collections act. Here is a "go-by" I found on this site;
YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT# <ENTER>

To whom it may concern:

This letter is being sent to you in response to a notice sent to me dated <DATE> Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.

Thank you,

Guest · Posted: Wed Oct 08, 2008 6:44 pm Subject:

PDM doesn't have a clue what you paid or didn't pay and isn't going to do the work to validate it. The bought the loan from Discount Advances at whatever balance Discount Advances said it was. I'd send the letter and then when they violate it (which they WILL) you have grounds to sue them for an fdcpa violation.

Posted: Tue Oct 21, 2008 11:19 am Subject:

Thanks guys for your response. For some reason I didn't know I had received a response. I think the above company has sent me somewhere else as I have not received any phone calls. I faxed them a copy of one of the many payments I have made toward the loan and haven't heard anything back from them. Should I call? I am scared that if I do not then they will or have already sent me somewhere worse!

Posted: Tue Oct 21, 2008 11:23 am Subject:

Thanks guys for your response. For some reason I didn't know I had received a response. I think the above company has sent me somewhere else as I have not received any phone calls. I faxed them a copy of one of the many payments I have made toward the loan and haven't heard anything back from them. Should I call? I am scared that if I do not then they will or have already sent me somewhere worse!

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