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Posted: Wed Sep 26, 2007 6:00 pm Subject: Really upset!!

I received a phone call this a.m. from a woman by the name of Kirsten Kline. She stated she is representing States Pre-Disposition Services, Inc. in GA. (Collection Agency). She said that I took out a payday loan for $300 back in October of 2006. That is completely true and I became delinquent on that payment. Also true is that I paid that account in full on May 18, 2007. The original lender was US FastCash. I made the payment to Pinion Management. I spoke with US FastCash today and they emailed me a letter stating that provided "all funds cleared" my account was paid in full. Thank you and have a great day! I don't understand the "all funds cleared" part but ok. I have not been able to get in contact with Pinion Management as of yet. I have gotten several different phone numbers for them. The payment was drafted out of my checking account for the correct amount and the correct date.

Kirsten (States Pre-Disposition Services) informed me that she was calling on behalf of I-Collect. She would not give me their name or telephone number. She said that I had one hour to produce a Paid in Full statement from the original lender, which she didn't even know who that was, or $611. Of course, I had neither the statement or $611.

She stated that I was going to have fraud charges, some type of misappropriation of gov. funds charge, and some type of malicious intent charge filed against me. She stated that I was not invisible to them and that they would "find me!"

I had several phone calls with her. She was extremely rude. I was scared to death at first. I got an uneasy feeling when she wouldn't tell me what city she was located in nor would she give me her address. She did however, fax a letter to my husband at work for me. It read as follows:

Posted: Wed Sep 26, 2007 6:06 pm Subject:

Stand your ground. You have your paid in full letter, so the way I see it, there isn't anything they can do. These people think they can tell everyone what they have to do and refuse to cooperate with people. Unless they give you a physical address, which you requested, I would not worry about them. As far as I see it, they are just another piece of "doo-doo" in a big pile of "doo-doo" and I am using nice words here, when I have far better words I would like to use!!

Posted: Wed Sep 26, 2007 6:21 pm Subject:

Here lately there seems to be so many posts about this sort of behavior by pdls and ca's for pdls. It makes me so mad and the worst part is you can feel the fear in some of the posts. 2nband has my kind of attitude. Stick to your guns and do not worry about them. You have the PIF from the pdl if they can not cooperate with you they that is their problem.

Posted: Wed Sep 26, 2007 6:29 pm Subject:

Amen Roxy!!!

Posted: Wed Sep 26, 2007 7:33 pm Subject:

That is right. You have done everything that you can do, and 2ndband and Roxy are right. DO NOT GIVE INTO THEM. They are just trying to bully you.

ladybug

Posted: Wed Sep 26, 2007 7:40 pm Subject:

I happened to be out with a friend the other night ...her sister is a lawyer...and we started talking law/finances...I told her a little about what we do here and what I have read about CA's. One thing she told me which will help us all: IF they can not or will not give you a name, address and phone number...then they are probably illegal and as such should be ignored. Any reputable company or agency would not hesitate to give you the information you ask for.

angkmel · Posted: Tue Oct 09, 2007 4:39 pm Subject: Harassed at work

These people are calling me at work (1-800-918-3849) and leaving threatening messages. We had to close our bank account due to a payday loan company continually trying to withdrawl funds after the loan had been paid in full. This has really caused some trouble. I am sick to death of being harassed at work! Is there anything I can do to put a stop to the calls to my office? Help!

Posted: Tue Oct 09, 2007 6:36 pm Subject:

Have you sent them a C & D letter? Also ask them to do a debt validation. If you have a paid in full letter use it to your advantage! Hang in there. You can also file compliants with the BBB and your states attorney general.

Posted: Tue Oct 09, 2007 7:49 pm Subject:

Definitely file with your state's regulation agencies and with the BBB. I know it is really frustrating to be called at work, especially when the loans have been paid.
As for the collection attempt, hereslookinatyou, there is absolutely nothing that this Kirsten woman can do to you. Kirsten Kline...that sounds like a made up name to me!!! Smile

Like Morningstar said, if she can't provide a phone number or address then she is probably working for an illegal company.

Posted: Tue Oct 09, 2007 11:12 pm Subject:

Oh Man,
I-Collect isn't another DBA for Bass, is it? Please tell me no????????? Cause this sure sounds like Bass!

Louis Murphy · Posted: Fri Oct 19, 2007 1:07 pm Subject: States Pre-Disposition Services, Inc.

I, too, have just received a phone call from this bogus organization. The first person to call me used the name of Sally McFree and she gave me the same cock and bull story she gave you. She sent me a fax. It was one of the most unprofessional documents I have ever seen. No business address and a plain sheet with my name on it for a cover page. Later I received a phone call from Kirsten Kline. Apparently because I did not reply to the phony fax I received and will not reply to it. I believe what they are trying to do is called EXTORTION. Criminals is what they are!

Posted: Fri Oct 19, 2007 1:14 pm Subject:

Sally McFree sounds just as made up as Kirsten Kline. Maybe it is their work name so that no one finds out what they do for a living! Extortion...You got that right!

Posted: Fri Oct 19, 2007 3:07 pm Subject:

I would take that fax number and fax them a debt valdation request to be cc: to the state attorney's office. Maybe then they will leave you alone...especially in the case where you have proof you have paid the loan.

Posted: Fri Oct 19, 2007 5:36 pm Subject:

Was the fax unsolicited?

Posted: Fri Oct 19, 2007 6:05 pm Subject: reply

I have a question. This is for here's lookin at you regarding the company that is collecting for USFastCash that is paid in full. I'm confused. A copy of the fax received has the address of this collection agency printed on it. Why can't here's lookin at you send a debt validation letter to this address? Send the debt validation letter and a copy of the paid in full letter. Am I missing something?

Posted: Sat Oct 20, 2007 4:33 pm Subject:

That's what I though Cannr...???

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