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 Posted: Fri Sep 28, 2007 8:06 am Subject: Silence from MTE...
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Ok guys, it's going on almost 2 months now that my overpaid loans defaulted with Oneclick and United and I haven't heard a peep (knock wood). I mean, NOTHING.
I haven't heard anything back from my AG either.
Now, I'm just throwing this out there, but do you think that the fact that I work in a law firm might have something to do with why they aren't bothering me?
I'm just starting to get a little nervous, and I know they will slither out of the woodwork at some point, but the silence is starting to make me uneasy..
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JEN5276
Joined: 31 May 2007
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Posted: Fri Sep 28, 2007 8:20 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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That would be a real good reason why they are not bothering you. MTE may sell you to a collection agency called ARM who will drop you like a rock as soon as they get a validation letter on your letterhead.
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frogpatch
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Posted: Fri Sep 28, 2007 10:38 am Subject:
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I know, believe me I am waiting to hear from these jokers. I wonder how many people MTE turns over to ARM?
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"Who leaves a country packed with ponies to come to a non-pony country?"
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JEN5276
Joined: 31 May 2007
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Posted: Fri Sep 28, 2007 10:43 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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I was one of them. I sent them a validation letter requiring payment history licensing proof etc. They sent me a copy of the I agree form from the net. I wrote back thanks, but you failed to validate anything. Never heard another word. That was about 5 months ago
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frogpatch
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Posted: Fri Sep 28, 2007 10:52 am Subject:
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So they contacted you by mail, or phone, or both?? I can't deal with these people on the phone, it makes me crazy.
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"Who leaves a country packed with ponies to come to a non-pony country?"
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JEN5276
Joined: 31 May 2007
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Posted: Fri Sep 28, 2007 10:57 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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They called me at work and I said I wwas sending a validation request in compliance with the fdcpa. The woman said "why prolong things?" After I sent the letter which also had a cease and desist paragraph they only sent me one more communication by mail. I will post a generic copy of the letter.
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frogpatch
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Posted: Fri Sep 28, 2007 11:02 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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| Quote: | Your name and address
Their name and address
Attn Mr Bottom Feeder
Re Acct # XXXXX
Dear Mr. Feeder.
I received a call (or letter) stating that I owe your company $XXX on the above account
Please be advised that this is the first communication that I have had with your company regarding this matter by phone, mail or otherwise.
Please be advised that pursuant to the Fair Debt Collections Act, 15 USC 1692G Section 809 that this debt is disputed and validation of this claim is required. To validate this claim I require the following:
>What the original debt is for
>The amount of the original debt.
>How you arrived at the amount you say I owe
>The interest charges applied to the original debt.
>All payments received regarding this debt with the original creditor including the date and amount of each payment., This requirement was established by the case Fields vs. Wilber Law firm, Donald L. Wilber and Kenneth Wilber USCA-02-C-0072, 7th Circuit Court, Sept. 2004
>Any penalties associated with the original debt and the reason or reasons for those charges.
>Proof that any interest charged does not exceed that allowed by law in the State of xxx
>Provide me with any papers that say I agreed to pay what you say I owe.
>Proof that the collection agency owns the debt or has been assigned the debt.
>Proof that you are licensed to collect in the State of xxx
>Proof that your client is licensed to operate a payday loan business in the State of Florida. (If applicable)
>Proof that your company is legally permitted by the original lender to collect that debt.
Furthermore at this time I am advising you that I am not to be contacted by your firm or any of its affiliates, subsidiaries or clients by any other means other than the United States Postal Service. Also you are not permitted to contact my employer, friends, acquaintances or family regarding this matter. Also any agreement of ACH withdrawals from my account and any agreement of wage assignment are hereby revoked.
If your office can and does provide all the information that I have requested I will require a minimum of thirty days from the receipt of that information to investigate its validity and to retain counsel if necessary. During this thirty day period all forms of collection must cease.
Furthermore if if your offices fail to respond to this validation request within thirty days from the date of your receipt all references to this account must be deleted from my credit file and a copy of such deletion request be forwarded to me immediately. |
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frogpatch
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Posted: Fri Sep 28, 2007 11:04 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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ARM was not able to respond to anything except where they sent the original aggreement.
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frogpatch
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Posted: Fri Sep 28, 2007 11:09 am Subject:
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I am so happy I read this. Thank you Frog. i have just had the experience from hell with them on three separate occasions today. I sent a dv letter to them today. Hopefully I will have a similar experience as you. Jen, I know you read mypost today. Thank you for the kind words. I hope for you forewarned is forearmed. If you have to deal with them too and need anything let me know. Roxy
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how hard you hit, it matters
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and keep moving forward.
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RoxyNY
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Posted: Fri Sep 28, 2007 11:19 am Subject:
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Thanks Roxy! You're kind, and let's just say I'm hoping I don't hear from these fools, for their own good!
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JEN5276
Joined: 31 May 2007
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Posted: Fri Sep 28, 2007 11:35 am Subject: reply
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jen, don't feel alone. I'm with you. My MTE's aren't responding the the AG. One Click and USFastCash. I haven't heard from MTE. I figure once they send me to collections (whatever) I'll just send them a debt validation to validate my wonderfully ILLEGAL debt and include copies of the letters from my state AG threatening them with action. And, I don't work for a law firm, so I honestly don't think that has anything to do with it.
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cannr
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Posted: Fri Sep 28, 2007 11:44 am Subject:
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Oh well, wishful thinking on my part! LOL
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"Who leaves a country packed with ponies to come to a non-pony country?"
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JEN5276
Joined: 31 May 2007
Posts: 394
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Posted: Fri Sep 28, 2007 12:26 pm Subject:
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i got a email from MTE today they want me to settle for 157.00 but i have paid them all there money. what do i do now. i have experience with ARM and they are very nasty and rude. they call me and be yelling at me on the phone.i just stopped answering the phone. i told them not to call my job and so far they havent.
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ashley83
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Posted: Fri Sep 28, 2007 1:08 pm Subject:
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hang in there ashley! It will all work out in the end.
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mwmammaroo
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Posted: Fri Sep 28, 2007 1:12 pm Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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I haven't heard from my MTE PDL, in about a month now...waiting for them to jump out of the wood work at me! Of course I haven't been lonely, I got 2 calls from Geneva Roth dba Loan Point USA today! I hate these places, what kind of a person could would for these evil  company's.
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Punkteri
Joined: 17 Aug 2007
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Posted: Fri Sep 28, 2007 7:02 pm Subject:
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Evidently..bottome feeders  I now know why Cannr clls them evil MTE and why she puts ater their name. I swear I could hear the evil in the man's voice that called me.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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