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 Posted: Thu Aug 23, 2007 4:32 am Subject: My response from Island Day Loans
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Well, they finally responded to my MANY e-mails..here it is:
| Quote: | You entered and signed the agreement without verifying if we were
licensed in your state. You willingly searched out our company and
made the choice to loan by our laws(the agreement you signed). It is
unfortunate that now in a collection state you feel you don't need to
pay the interest you agreed to. You have only paid $120 towards the
loan. We will need to get the full amount loaned to you ASAP
(remaining balance of $180.00). We are willing to agree to the
request listed above (not contacting you by phone) only if the loan is
being paid and the payments agreed on are made on time. You can view
all the information you need online under the member section.
Please let us know when within the next few days we can collect the
money that was loaned to you. The sooner we can get this account paid
and closed the better.
Let us know if you have any other questions." |
This is actually good news, because now I only have to pay them what I actually owe them rather than the $390 they were asking for. I have to laugh though, at the first sentence....I guess they aren't licensed, huh! 
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Thu Aug 23, 2007 6:35 am Subject:
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How weird! I got the EXACT same letter this morning in my box. Maybe they only check once a week! I replied that I would send them a cashiers check as soon as they send me a mailing address. I have one, but they don't know that.
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Thu Aug 23, 2007 6:51 am Subject:
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That's so funny! Yes, they must only check their e-mails very sporadically, because this is the first response I have gotten! I am going to respond the same way you did, let's see how long it takes for an answer to that one! LOL
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Thu Aug 23, 2007 7:09 am Subject:
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I actually originally replied to a bounced fee notice that they sent me. I figured that way they would read it. It did take a few days though.
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Thu Aug 23, 2007 7:49 am Subject:
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I ended up doing that also, I responded to their e-mail. Originally, I had sent them an e-mail through their site, but I really don't think they respond to those. They payment had to bounce for them to contact me at all. Now at least I have a phone number, but that doesn't do me much good. I need to the address also. Are they even located in the US?
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Thu Aug 23, 2007 8:28 am Subject:
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Payday Island actually has an address:
PO box 150629 Ogden Utah 84415-0629. However, I want THEM to give it to me, to make sure that I send payments to the correct place. I can't even remember how I got it in the first place. They are quite elusive!
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Thu Aug 23, 2007 8:44 am Subject:
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They sure are! I think I was linked to them through one of those payday lender matching sites...
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Fri Aug 24, 2007 4:51 am Subject:
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Imagine my surprise this morning when I got another reply from them! They will accept money orders, I did have the correct address and they will accept what I owe them on the principal! They want it in two payments (I offered 3), but I guess I can bend on that issue. As long as they are out of my hair, I will be happy.
Did you get a reply from them?
It was even signed "kindest regards"! This is starting to be a good day!
Let me know if/what you hear from them.
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Fri Aug 24, 2007 6:55 am Subject:
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That's great Terminal, I just e-mailed them so hopefully I will hear back soon. I still owe them $180, so I proposed two payments of $90 each.
I hope I'm as lucky as you!
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Wed Sep 05, 2007 5:02 pm Subject:
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Jen did you ever hear back from them? Just curious.
ladybug
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ladybug
Joined: 29 May 2007
Posts: 2760
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Posted: Thu Sep 06, 2007 5:00 am Subject:
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I'm still waiting myself. They were quick to yell, but not so quick to answer after after I told them how it was!
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Thu Sep 06, 2007 6:19 am Subject:
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They did respond to me and they basically said I could pay the $180 that I still owe them (original loan was $300, have paid $120 to date), and be done. So, I am going to send them the money when I have it (probably in a week or so) and that will be it.
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Thu Sep 06, 2007 6:53 am Subject:
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How long did it take for you to hear? I would like to be finished with them as well.
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Thu Sep 06, 2007 6:54 am Subject:
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A few days actually...Maybe you should e-mail them again?
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7007
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Posted: Thu Sep 06, 2007 7:03 am Subject:
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Good idea, just in case something got lost in the air.
_________________
Remember this motto to live by:
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, rather to skid in sideways, chocolate in one hand, wine in the other, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"
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terminalwhirl
Joined: 07 Aug 2007
Posts: 62
Debtcc Points: 1202
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Posted: Thu Sep 06, 2007 7:51 am Subject: My response from Island Day Loans
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Do you have an email address for them?
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caro10675
Joined: 12 Jun 2007
Posts: 1
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