Internet's first get-out-of-debt community - 134,000 members

Posted: Mon May 12, 2008 8:39 am Subject:

If I haven't heard from some of the PDLs, what do I do? Just keep waiting?

Posted: Thu May 15, 2008 10:28 am Subject:

I got the check from Fastmoney911 as a refund. Yeah!

Posted: Tue Jul 01, 2008 9:04 am Subject: It's been quiet...

...from my lenders. Is this normal? I did receive this email today from PaydayMax. I have faxed them numerous requests for a physical address but they do not answer. What should I do? (Also, I originated this thread, I just registered after doing it). Thanks guys!

Credit Protection Depot

PLEASE BE ADVISED THAT WE ARE CONSIDERING POSSIBLE ACTION THAT MAY REQUIRE A COURT APPEARANCE. YOU ARE HEREBY NOTIFIED THAT A RECOMMENDATION TO OBTAIN OUTSIDE REPRESENTATION TO COLLECT THIS LEGALLY BINDING DEBT MAY BE OUR NEXT STEP .WE ARE PREPARING TO TAKE WHATEVER COLLECTION ATTEMPTS THAT ARE LEGAL, THAT ARE DEEMED NECESSARY AND APPROPRIATE. PLEASE TAKE INTO CONSIDERATION THAT WE WILL MAKE NO MORE ATTEMPTS TO HELP YOU CLEAR THIS MATTER VOLUNTARILY AS WE HAVE HAD TO CONCLUDE THAT YOU ARE NOT WISHING TO CLEAR THIS MATTER WILLINGLY.WE REGRET HAVING TO TAKE THIS ACTION BUT FEEL THAT YOU HAVE LEFT US NO ALTERNATIVE. IF YOU WANT TO AVOID FURTHER ACTION, PAYMENT IN FULL MUST BE RECEIVED AND YOU WILL NEED TO CALL ME AT TOLL FREE 1-866-645-1661. WE MUST REQUIRE THAT YOU RENDER YOUR PAYMENT IN THE AMOUNT OF $1036.37 VIA WESTERN UNION QUICK COLLECT OR MONEYGRAM IMMEDIATELY. THIS PAYMENT REFLECTS YOUR BALANCE AS OF June 30th 2008.
PLEASE NOTE THAT WE MAY REQUEST POSSIBLE SERVICE IN ORDER TO TAKE WHATEVER STEPS LEGALLY NECESSARY IN ORDER TO PROTECT OUR INTEREST IN THIS MATTER. YOUR PROMPT RESPONSE WILL ONLY BENEFIT YOU. THIS IS OUR LAST ATTEMPT TO HELP YOU RESOLVE THIS WITHOUT THE NEED FOR OUTSIDE INTERVENTION.

This account may also be reported to CHECK-SKAN which is used in various states and if reported may decline your checks on a national basis!

The Western Union quick collect information is: (or you may go on line at www.westernunion.com)

1. Fill out the blue form for quick collect. (Or click the send now option)
2. The name of the company is Credit Protection Depot.
3. The code city: OFFER (ONE WORD NO SPACES).
4. The state is: Nevada.
5. The account number is your Social Security Number.
6. The reference number is your telephone number.

You can also use your debit card or various charge cards at www.westernunion.com (and using the quick collect option)

OR go to Moneygram and fill out the blue EXPRESSPAYMENT form.
1. The Company name is: CPD-OFFER
2. The Receive Code is: 4243
3. The City is: Las Vegas
4. The State is: Nevada
5. The Account Number is: 1431093264

If you are unable to pay $1036.37 for the entire balance of the loan, then we must require a minimum payment of $345.46 to place the account on legal hold.

If this account is referred for further review and action to our outside firm for additional collection efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be responsible for all additional fees associated with the costs involved for the collection of this debt.

Please call us immediately with the Control Number of your wire in order to update your account and to avoid other action and charges to you. Our toll free number is 1-866-645-1661. Thank you for your prompt response in clearing this matter. It is appreciated.

Sincerely,

Credit Protection Depot

**Please Do Not Reply To This Email**
You can contact us at our toll free number 1-866-645-1661.

Posted: Tue Jul 01, 2008 9:22 am Subject:

Scare tactic Wink

Posted: Sat Jul 12, 2008 4:22 pm Subject: collections

My 3b payday loans were sent to collections, what should I reply to the collection agency?

Posted: Sun Jul 13, 2008 5:46 am Subject:

How long ago did you take out the 3bpayday loan? I have tried to follow the posts but it's Sunday morning and I seem to be a tad confused. Did you make any payments on that loan?

Posted: Tue Jul 15, 2008 10:13 am Subject: Collection Letters

I got another collection letter, this one from MTE. When I fight the validation of debt, what do I write in my letter? HELP PLEASE!

Posted: Tue Jul 15, 2008 10:24 am Subject:

Do not worry about MTE, they are ILLEGAl as crime.

3B payday loans is licensed in Utah on the other hand. I fought them and received a refund and "PIF" on my account.

How much did you borrow and pay both PDLs Question

Posted: Tue Jul 15, 2008 10:25 am Subject:

I'm not sure about the validation letter as it never got that far with me. You could try emailing all of your info (C and D letters, etc.) to brpayne2 at gmail dot com. This is the admin contact from 3Bpaydayloans. I would send a cover email outlining exactly what you want.

Posted: Tue Aug 12, 2008 4:08 pm Subject: Collections?

So most of my accounts have gone to collections, what do I do now?

Posted: Tue Aug 12, 2008 5:56 pm Subject:

When mine went to collections, I sent all the CA's that contacted me a request for debt validation. Which not one of them have responded to... Laughing

Go figure. If you need a letter pm me and I will send you the one I used.

Posted: Wed Aug 13, 2008 5:32 am Subject:

minsmi, I pm'd you the letter. If you need anything else let me know. If they continue to contact you after they receive the letter please be sure to note all the dates and times because if they are a 3rd party CA, it is violation of the fdcpa and you can call them on it. Hang in there.....Roxy

Posted: Tue Sep 02, 2008 2:58 pm Subject: HELP!

So I sent one of my collection agencys the debt validation letter and this is what the little twit replied:

Ms. ,

Based on your email below that you have copied off of the internet, we will code this account as a dispute. We will move forward with this claim as the previous corresponding emails below show your understanding of this claim and adherence to owing it and that your below email seems to be a ploy and an attempt to stall this matter. I wish you good luck, as I will only hold this claim at its current status for another 24 hours.

Regards,

Derrick Lynch

Director of Operations

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Here are my loans, please help me figure this out!

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