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#17
07-12-2007, 07:19 AM
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#18
07-12-2007, 07:19 AM
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Yep - You are actually in a pretty "good" situation. Normally it's internet based companies that do this, and it's hard for one state's officals to track them down. In your case it is a licensed storefront, so the banking dept has full authority over them. They could be fined for what they've done, or get their license yanked.
Be sure to file that complaint!
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#20
07-12-2007, 07:37 AM
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I have gotten calls from Legal Mediation also but that was for a defaulted Internet loan. They are not easy to work with. If they are not a d/b/a of Bass then they should be or Bass trained these people.
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#21
07-12-2007, 07:41 AM
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Jailtime
DC Storefronts are in danger actually of being closed due to too many complaints filed by consumers.
I had another loan in which i paid off and i remember going in every 2 weeks and i would see a petition list from them asking people to sign in so they dont shut them down. Altho PDL's have helped me in the passed They are not a good thing as you can easily get lost in them and loose so much. i think after this i can say I HAVE LEARNED my lesson. I hope they shut them all down!
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#22
07-12-2007, 07:45 AM
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Here is latest contact info pulled from State of Florida corporation records and collection agency licensing.
Principal Place of Business 1919 BLANDING BLVD. #19 JACKSONVILLE, FL 32210 10, OFFICERS AND DIRECTORS - 11. ADDITIONSICI-IANGES TO OFFICERS AND DIRECTORS IN 11 TITLE NMW STREETADDRESS CITY-ST-ZIP P B’&Iete CONNELLY, RONDA S 3950 MOSS OAK DR. JACKSONVILLE, FL 32277 VP a&IeIe PAIR, SUSANR 9323 BEARSFORD CT. JACKSONVILLE, FL 32244 2006 FOR PROFIT CORPORATION ANNUAL REPORT DOCUMENT # P03000055824 1. Entity Name LEGAL MEDIATION PRACTICE, INC. FILED Mailing Address 1919 BLANDING BLVD. #19 JACKSONVILLE, FL 32210 REGISTERED AGENT DUANE C. ROMANELLO, PA, 1919-8 BLANDING BOULEVARD JACKSONVILLE, FL 32210 Collection Licensing Record LEGAL MEDIATION PRACTICES Business Address: 1919-4 BLANDING BLVD JACKSONVILLE 32210 Phone Number: (800) 201-0565 Address: None Mailing Address: 1919-4 BLANDING BLVD JACKSONVILLE FL 32210 __________________
Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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#24
07-12-2007, 09:27 AM
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To: ramj70
To: ramj70
They first deposited the check, a total of 4 times, then thereafter they started doing ACH payments multiple times, the bank even verified this when i went in to close the account.
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#25
07-12-2007, 11:11 AM
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forgrace, it appears they are breaking the law then. In 2005 the District's attorney general sent a letter to all the check cashing loan businesses reminding them that they cannot do a debit and they can only cash the check that you give them at the agreed upon date.
It appears you may have a good case to sue them and with DC's consumer protection laws you can not only get either $1,500 for each violation or treble damages for each violation whichever is greater you can also sue for punitive damages. You might want to see about contacting an consumer protection attorney if your so inclined. It might be worth it, it might not. This is why they are trying to shut them down in DC.
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#26
07-12-2007, 11:16 AM
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Here is an article from the DC attorney generals office regarding automatic debits. Its from 2005, but it is still valid. I would file a complaint with the AG office in DC.
[img]/forums/attachments//bsm1_498.jpg[/img] http://oag.dc.gov/occ/cwp/view,A,11,Q,631571.asp
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#27
07-12-2007, 11:18 AM
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Forgrace, please, please don't give them anymore money. I am so sorry they called you and acted that way. You must have been terrified! I would have been. File all of the complaints you can and help get these places closed down. It's the way they treated you and their illegal tactics that are allowing them to hang themselves.
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#28
07-12-2007, 11:30 AM
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Also Internet payday loan companies cannot do automtic debits from your checking account in DC. They are bound by the same rules that the store front operators are bound by. Internet PDL's must also be licensed in DC.
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consumer complaint hotline at (202) 442-9828 or contact OAG online at |
#31
12-02-2008, 09:24 AM
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melody 1) You cannot be arrested, 2) if they are not licensed in Washington State you have no legal obligation to repay the loan. That said, if you havent already close the checking account they have access to and open a new one.
Stating the following: To Whom It May Concern It has come to my attention that you a payday loan I have with you was made in violation of Washington State Administrative codes governing Check Cashers/Sellers and Payday Lenders (Chapter 208-630 WAC Check cashers and sellers - regulation of), wherein it states that payday lenders are required to be licensed by the State of Washington. This law applies to any payday loans made to Washington State Residents regardless of the state of origin or contractual jurisdiction agreements. Because you were conducting payday lending business in violation of this administrative code and the governing law directing its creation. This violation renders our contract illegal in the State of Washington, rendering ay terms agreed to therein null and void. Under the above noted law, loans made illegally are not collectable. Effective immediately, I hereby permanently revoke any and all authorizations, assignments or rights granted to __insert name here__, their successors and/or assigns to electronically access any account owned by me. This revocation includes any presumed, implied or express POS authorizations, or wage assignments. On advice of counsel, prior to either initiating civil action and/or requesting that Washington State authorities investigate your business practices (including those of any potentially related businesses) I am requesting that my account be closed kith a zero balance. Understanding that this request is an attempt to avoid pursuit of other remedies, I am willing to agree in writing not to pursue additional civil action to seek redress. I may be willing to explore other options to resolving this situation and I look forward to your written reply __________________
Life is a journey down a road filled with many twists, turns and forks. the destination is not important... the journey is what makes life precious.
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