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Posted: Wed Apr 16, 2008 7:23 pm Subject:

Thanks Roxy! That's my understanding as well, that if they accept payment then that's it, they're agreeing to the terms. Wish me luck!

A BIG thanks to everyone here as well, this place has been a source of so much great information and has really helped me see a light at the end of the tunnel! Smile

Posted: Thu Apr 17, 2008 8:07 am Subject: Most recent email from them...

Wow, these people just don't give up! It's amazing how they think they can skirt around the laws. Now I'm just really mad and all of this is going straight to the AG and BBB's of both DE and TX, as they're on file in both states. Funny, they have two for DE, the newest being opened 4/15/08, which is the same date the Texas one was opened. The other one in DE, which had a DE address, had multiple complaints. I know it's the same company because they have the same phone numbers.

Anyway, here's the latest!

Dear Ashley

This account is collections there is no way to stop calls to you unless I have arrangements for balance. I can not settle this account for $562.50 you borrowed $750.00 with a finance fee of $187.50 you have only made one payment of $187.50 your account balance is now $1,5090.00. I am willing to work with you however you must contact me with arrangements. The calls will continue until arrangements are made. Thank you.

Thank You
Stacy Rogers

BiscuitB · Posted: Thu Apr 17, 2008 12:45 pm Subject: Payday Yes

What is your phone situation at work Ashley?

BiscuitB · Posted: Thu Apr 17, 2008 12:53 pm Subject: Payday Yes

Rather than wait for your response, I'll just post the information. If you have a direct line to where you are working, let all calls if possible go to voicemail. There are going to be quite a few. They will also contact your boss, they contacted mine and she took care of the person in a way that was to say the least, impressive. At this point, make sure you have reported this to the AG, the Better Buiness Bureau, and the FTC (I believe they have an online site that allows you to post your complaint) My situation ended after a police officer called this company directly, all contact stopped immediately, I did not send them a dime and was advised by an attorney to leave it alone. I would have paid them what I borrowed, but they were not letting me mail the payment-they wanted my account access or they wanted it Western Union. The agent at Western Union advised me not to send money to this company either, I was a little scared at that point. It has been a year now, I was contacted by an "attorney" once, and I stated that I disputed this debt and they hung up on me. I called them back, and they said they would let their client know,,and that was four months ago. I've not heard a word. The moral of all this is 1-Push harder than they do, and they will push. 2) Get legal advice and do not allow any more access to your account and do not send this via Western Union. I don't care how they are set up, or where they are or are not licensed, the way they do business is frightening and they will get their money back by my rules at this point, not theirs, and they can take me to court. Get ready to play hardball, this company is truly the scariest company I have ever seen.

Posted: Thu Apr 17, 2008 3:00 pm Subject:

Wow Biscuit, thanks so much for the info. I have filed a complaint with the BBB and the FTC, and filed a complaint with the Department of Corporations, who handles these types of businesses. Right now I don't know what I should do next. Should I respond to this email with the complaints that have been filed or what? I've already stated all the legalities multiple times, which they're ignoring, which says to me they KNOW they're doing something shady.

Advice?

BiscuitB · Posted: Fri Apr 18, 2008 11:02 am Subject: Payday Yes

For every email they sent me for the first little bit, I sent the same response. That I had filed complaints, they would be repaid, but I would need a copy of their business license, their physical mailing address, and a break down of all charges affiliated with the loan. I gave them a cut off date to send me the information via Certified Mail..they never sent it. I never took one of their phone calls at work; I have my own line at my desk and I allowed it to go right to voicemail. In my email responses I specifically told them that phone calls would not be taken, or returned-period. I had a police officer also call to warn them about threats etc. because they got pretty abusive. After a little bit, Vincent Cignarele's office contacted me, and I did return their call, stated I disputed the validity of the debt, and they told me "no one has ever done that before" and said they would let the original company know. They called me two more times, the final time, I got unpleasant with the "attorney rep." I told him that no money would be paid out period, until I had the information I requested. There would be no account access given period. Then all contact stopped. While I do feel obligated to pay them what I borrowed, I will not do it on their terms. I just pretty much got fed up, got some confidence back, started researching, and realized I don't have to play the victim in this scenario. These types of businesses have run rough shot for too long know, and while I think they do provide a service that could be good, there needs to be some regulation there. Hang in there sister, you aren't alone, but you don't have to take crap, don't play the victim.

Posted: Sat Apr 19, 2008 6:46 pm Subject:

Thanks for the encouragment Biscuit, it helps a lot! After speaking with my sister, who's a paralegal, I decided to just not respond to the email to see what would happen, as what I would say wouldn't have been any different then what I'd already told them. Below is the email I received the following morning:

Dear Ashley

I received your email. All I can do at this point is note the account for you that you will be mailing a payment by the 25th of April, 2008 in the amount of $112.50. I will remove the number to your employment. . When you mail a payment if you could email me to let me it has been mailed so it can be noted to your account. Thank you in advance for your payments.

Thank You
Stacy Rogers

So that's where it stands right now. I have no problem paying what I borrowed, but like you said, it won't be paid back on their terms, it will be on mine. All the appropriate agencies have been notified via complaints about this company, so I guess now I just wait and see what happens!

Posted: Sun Apr 20, 2008 11:38 am Subject:

Good Job Ashley!!! Very Happy

Posted: Tue Apr 29, 2008 9:23 am Subject:

Thanks so much! I got an email from them this morning (standard letter) stating they were turning it over to collections since I had chosen to ignore them (which I haven't, obviously). I responded saying I had been in constant contact with Ms. Rogers and would be more than happy to forward all correspondence with her regarding my account. I also stated I had designed a replayment plan of the original loan amount and taken steps as consumer regarding their business and its practices. After I sent it I also discovered they had received my payment I sent Friday, so it's a done deal as far as I'm concerned!

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