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 Posted: Thu May 29, 2008 11:06 am Subject: Loan Point USA - advice needed
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I got a call from a Chris from 866-489-0979 and he left a message saying I did something illegal in regards to my PNC checking account and I needed to contact him immediately to discuss etc..etc..
I called him back at the # 800-351-8820
I borrowed $100 months ago and paid about $150 on it.
He says I owe $200. I told him I wanted it marked paid in full per my letter (C&D and letter stating to revoke wages etc.. and my complaints to the BBB and AG) that he read back to me on the phone. He said I had no legal standing since the extra money tacked on where not fees, but extensions on a loan. He said there is nothing I can do and I need to pay up.
Forgot to mention he said something about since i took out the loan on the internet I have to pay.
After arguing for a few minutes he said they would accept $130 at the least and i needed to pay it today. I told him I would get back to him by 4pm ET today.
I wanted to run this by my friends in this forum.
I want to fight this thing..because I overpaid them!
How should I proceed?
PS - he said they only take debit cards for payments.... LOL
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jt_91972
Joined: 21 Apr 2008
Posts: 110
Debtcc Points: 1238
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Posted: Thu May 29, 2008 1:45 pm Subject:
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I wouldnt pay that. I dealt with them as well and they accepted $20 even though they owed me $520. BE CAREFUL THOUGH because I honestly think they went so low because they thought I was gonna pay with my real debit card lol but I really paid with a visa gift card.
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The More Im Around People....The More I Love Animals!!!
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hevnly_chick
Joined: 19 Mar 2008
Posts: 205
Debtcc Points: 2337
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Posted: Thu May 29, 2008 4:35 pm Subject:
Latest Blog Post : http://needhelpwithbills1966.yesdebtfree.org |
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You might want to contact the Federal Trade Commission. For my understanding, you have the right to get proof of a debt that you owe and they can not give you a time limit. I found this on a old posting that one of the moderators posted a while back.
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wssu91
Joined: 31 Mar 2008
Posts: 414
Debtcc Points: 2129
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Posted: Thu May 29, 2008 5:24 pm Subject:
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I would never give my debit card info. The guy told me on my voice mail that I committed fraud and an illegal action by closing my bank account. I laughed at him and told him I closed it for personal reasons. He tried to act like a lawyer on the phone.
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jt_91972
Joined: 21 Apr 2008
Posts: 110
Debtcc Points: 1238
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