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 Posted: Fri Aug 08, 2008 10:56 am Subject: Getting responses... |
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I sent my letters out last week, now I'm starting to get responses...
I received this one a couple days ago...
INTEGRITY ADVANCE
ACCOUNT FROZEN NOTICE
866-656-9068
gdavis@wbpltd.com
8-6-08
Integrity Advance regrets to inform you that your ACH debit has been returned due to Account Frozen.
If you would like us to simply set that ACH transaction for another day, just write me and let me know what date is best. 1-866-656-9068.
Non-payment of a loan due to a frozen bank account is taken very seriously here at Integrity. However, we are aware that this may be the result of an unavoidable circumstance, and we encourage you to quickly resolve this situation.
If you have any questions or concerns, please call us any time at the above phone number.
Thank you for your prompt attention to this matter.
Sincerely, George Davis
Integrity Advance
gdavis@wbpltd.com
866-656-9068
George Davis
Integrity Advance
300 Creek View Drive
Newark, DE 19711
866-656-9068
So I sent the letter again and received this today:
"XXXXXXX, your letter has been forwarded to counsel and you should receive a reply within the next three business days. Thanks,
Anthony"
Then I received a call from Andrea from 1st National Legal Department for PayDay Loan Yes asking me to call by end of business today (searched the number she left and it was CashNet 500), so I sent my letter once again and received this email from Kelly with PayDay Loan Yes:
"In reference to your e-mail inquiry;
After further review of your account, it is very apparent we were definitely servicing the State Of Ohio at that time. You have the obligation to re-pay the loan that you received. You need to contact the correct department to make these arrangements.
Your account is currently being handled by our Accounts Receivable department. (Collections) For more information regarding your account or making payment arrangements, please contact them at 1- 800-666-8107. Please submit your full name and social security number in order for us to assist you properly."
Any advice?
_________________
"Live life without fear, confront all obstacles and know that you will overcome them."
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chensley
Joined: 16 Jul 2008
Posts: 28
Debtcc Points: 465
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| Posted: Fri Aug 08, 2008 11:03 am Subject: reply |
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payday loan yes is illegal as all get,send them an emal stating this.how much did you borrow and how much paid back?you only owe the principal.that cracks me up.the ACH debit consent is voluntary and revocable,as are any and all wage assignments.don't fall for there typical BS.cause that's what it is.did you file AG complaints yet?if not do so.
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paulmergel
Moderator
Joined: 24 Jun 2007
Posts: 4044
Debtcc Points: 14704
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| Posted: Fri Aug 08, 2008 11:07 am Subject: |
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I haven't filed with the AG's office yet... I actually overpaid PayDay Loan Yes, so they "owe" me $250... I'm not really scared, especially since being here and learning so much from all of you. I know they are illegal so I'm actually a little amused by it all... Bring it on!!!  
_________________
"Live life without fear, confront all obstacles and know that you will overcome them."
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chensley
Joined: 16 Jul 2008
Posts: 28
Debtcc Points: 465
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| Posted: Thu Dec 04, 2008 10:33 am Subject: Need the steps to take for Integrity Advance |
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I have a current loan with Integrity Advance that I secured over the internet. I am in FL. Can you advise how I am to proceed? Is my first step closing my checking account? I'm sure there is a sample letter somewhere...If I could be directed to that, I would greatly appreciate it.
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tburtonlizzie
Joined: 04 Dec 2008
Posts: 2
Debtcc Points: 26
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| Posted: Sun Dec 28, 2008 10:52 am Subject: Integrity Advance in FL |
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We also secured a $300 loan in FL from Integ Adv and have paid back over $770 before i realized they were auto-debiting me every 2 weeks for as much as $140 a month.
What have you learned about this matter in FL tburton?
Any help would be greatly appreciated.
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Guest
Debtcc Points: 100
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| Posted: Tue Dec 30, 2008 1:44 pm Subject: loan from integrity advance |
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I made a loan from integrity advance and so far they have debited almost $900
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mercedes zaldivar
Guest
Debtcc Points: 100
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| Posted: Tue Dec 30, 2008 2:00 pm Subject: |
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Hi tburton & guest,
Here is some info for you, I will post the letter in a moment:
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What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE
What next?
AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.
File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.
Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.
Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter.
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_________________
HAPPY NEW YEAR!!!
To a crisis of the spirit, we need an answer of the spirit.
To find that answer, we need only look within ourselves.
When we listen to "the better angels of our nature," we find that they celebrate the simple things, the basic things--such as goodness, decency, love, kindness.
Greatness comes in simple trappings.
-Richard Milhous Nixon,
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dawnlango7
Debt Samaritan
Joined: 05 May 2008
Posts: 943
Debtcc Points: 3406
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| Posted: Tue Dec 30, 2008 2:04 pm Subject: |
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Here is a letter you can use, you will need to tailor it for your needs:
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To Whom It May Concern:
After doing research on internet payday loan laws in the state of Connecticut, I have found that your internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the state of Connecticut in general:
Legal Status: Prohibited
Citation:
Usury act applies or small loan act applies. Conn. Gen. Stat.§ 36a-563
Small Loan Rate Cap
30.03% apr or $17 per $100 up to $600; $11 per $100 up to $1,800; add-on interest.
I have contacted the Connecticut Office of Financial Institutions and the Connecticut State Attorney General's Office regarding your internet payday loans and was informed they are indeed illegal in Connecticut and was advised to pay what is due according to principle amount only of the loan.
To date, I have paid $525.00 DOLLARS on my $250.00 DOLLAR loan. The legal amount that could have been charged to my loan is the principal amount of $250.00 DOLLARS even if your internet pay day loan was legal in Connecticut. I have paid $525.00 DOLLARS on this loan by your debits of my bank account. Please mark this account as PAID IN FULL.
I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. Once I inform you of this, you must stop the telephone contact immediately or you will be once again breaking the laws of the state of Connecticut.
You are also hereby notified that I am revoking any voluntary wage assignment I may or may not have signed. I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes.
I am revoking your right to debit my checking account any longer. You, your company, or your affiliates are not authorized to debit my checking account at all. Please be aware that I have informed my financial institution of this situation and they will also be receiving a copy of this correspondence. Any further attempts at debiting my account will be rejected by my financial institution.
I must also inform you that I have filed complaints with the Better Business Bureau, the Federal Trade Commission, and my state Attorney General's Office.
I expect a response from your company no later than 5/2/2008, regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.
Thank you,
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_________________
HAPPY NEW YEAR!!!
To a crisis of the spirit, we need an answer of the spirit.
To find that answer, we need only look within ourselves.
When we listen to "the better angels of our nature," we find that they celebrate the simple things, the basic things--such as goodness, decency, love, kindness.
Greatness comes in simple trappings.
-Richard Milhous Nixon,
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dawnlango7
Debt Samaritan
Joined: 05 May 2008
Posts: 943
Debtcc Points: 3406
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