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 Posted: Fri May 09, 2008 4:25 pm
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well, hopefully they will get the picture. I just emailed both of them from the email that they sent me offering me 25%off my balance.. it wasn't a very nice email either. just hope they get the picture. I think the only good thing was that cash today is getting ivestigated by the consumer affairs in london.
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kasylvester
Joined: 06 May 2008
Posts: 20
Debtcc Points: 324
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Posted: Fri May 09, 2008 4:43 pm
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Just keep emailing them every time they call, eventually they will get the picture.
_________________
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
Moderator
Joined: 03 Aug 2007
Posts: 3911
Debtcc Points: 11803
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Posted: Fri May 09, 2008 4:46 pm
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I told one lady that they took enough money out of my checking account 3 years ago, and if they were legal they would send it to a 3rd party collection agency. At this point you would think they would have. does anyone actually get them off their butt with just paying what they borrowed.. that's what I'm wondering. to be honest with you.. I can't find any of my old paperwork or bank statements so I really don't know exactly how much I paid them. I've demanded that they send me something, but I know I'll never see it.
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kasylvester
Joined: 06 May 2008
Posts: 20
Debtcc Points: 324
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wssu91
Joined: 31 Mar 2008
Posts: 236
Debtcc Points: 1493
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Posted: Fri May 09, 2008 7:32 pm
Latest Blog Post : http://needhelpwithbills1966.yesdebtfree.org |
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What you might have to do is call your bank and see if you can get your old statements on line or on paper. Now some banks will charge a fee  but I would pass it along to the payday lender. It is worth it to see if the bank still have your statements on line or send a paper copy.
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wssu91
Joined: 31 Mar 2008
Posts: 236
Debtcc Points: 1493
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Posted: Sat May 10, 2008 6:19 am
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I called my old bank yesterday and they said they charge a fee.. but I think at this time it's worth the small fee since this is a pain in my butt
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kasylvester
Joined: 06 May 2008
Posts: 20
Debtcc Points: 324
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Posted: Sat May 10, 2008 11:03 am
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Kasy, keep us posted. 
_________________
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
Moderator
Joined: 03 Aug 2007
Posts: 3911
Debtcc Points: 11803
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Posted: Sat May 10, 2008 2:00 pm
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I found this .. might just fax it to all those pain in the butts that don't know when to quit! if anyone here is from CT.. here you go as well
Laws Pertaining to Payday Loans in Connecticut
In the state of Connecticut, payday loans are illegal. Lenders in this state must possess a license to deposit checks into someone's account and the state sets a minimum fee for cashing a post-dated check. In order to become a payday lender in Connecticut one has to submit an application, provide contact information and pay and application fee of $250. Then the state commissioner conducts an investigation into the character of the applicant to determine whether this person will add value to the community. Another stipulation for becoming a lender in this state is that the applicant has liquid assets of $10,000 for each business location he/she intends to open.
In Connecticut, there are restrictions placed on the amount of finance fees that lenders can charge for payday loans. For example, the finance fee on a fifty-dollar loan can only be 0.5% of the total amount of the loan. The lender is only allowed to charge five cents as the processing and handling fee for fifty-dollar loan and ten cents if the loan is over that amount. The schedule of fees must be posted at each location, but this is a requirement in most other states as well. You will not find any Payday lenders in Connecticut because of the illegality of this type of lending process.
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kasylvester
Joined: 06 May 2008
Posts: 20
Debtcc Points: 324
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Posted: Sat May 10, 2008 2:04 pm
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sounds like a plan,but be prepared,they will
still try to push on you that your state laws don't matter.just a heads up,but you are doing great. 
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 1992
Debtcc Points: 8027
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Posted: Sat May 10, 2008 3:14 pm
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Have you found their processors yet. I actually told them that I had a lawyer on hold for me waiting to file suit and add the processor company to that suit if someone didn't herlp me. THEY DID.
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shoppinbuczek
Joined: 28 Apr 2008
Posts: 54
Debtcc Points: 723
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wssu91
Joined: 31 Mar 2008
Posts: 236
Debtcc Points: 1493
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Posted: Sun May 11, 2008 8:06 am
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I did hear from one guy that the state laws don't matter and that they go by that. I will keep on trucking and see what happens.
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kasylvester
Joined: 06 May 2008
Posts: 20
Debtcc Points: 324
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Posted: Sun May 11, 2008 10:42 am
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Kasy, Just keep singing the same tune. You know that they do and the pdls will tell you anything to get their money. Hang in there.
_________________
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
Moderator
Joined: 03 Aug 2007
Posts: 3911
Debtcc Points: 11803
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wssu91
Joined: 31 Mar 2008
Posts: 236
Debtcc Points: 1493
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Posted: Mon May 12, 2008 6:23 am
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well, I sent them email after email to see if I'll get a response. and to be honest, as nasty as the phone calls were to me by the people, are as nasty as an email I sent. I even told them if they could read they would get back to me. Every time they call I get the person's name and email them telling them they are violating the law here and that they are totally ignoring the letter that I faxed them. There has to be a manager or general person that I can at least talk to. does anyone know if there is?
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kasylvester
Joined: 06 May 2008
Posts: 20
Debtcc Points: 324
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