They marked you "PIF" Take it and run! Do not send money, because who is to say they will even acknowledge that as a payoff :x These PDLs can be real underhanded.


If the the right hand isn't talking to the left, then they are SOL not you. Keep that PIF letter for your records and file complaint with AG office on this matter. Good Luck!

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Ok, so now I am starting to receive phone calls. I haven't answered yet, but all the messages are saying is please call us about your account. I am assuming they are now calling because the payments have gone back to them with my account being closed.

I received an phone call and email from The Loan Shop. They gave me an address to send my payment to and informed me I owe $300. This is the amount of the original loan, which I have already paid $180.

I have also received emails and calls from US Fast Cash, Pay Check Today and Cash Advance Network, all saying the same thing....Please call us to discuss your account. For each email and call I resend my original letter via email. I am not sure what else to do. I am a little nervous about speaking with them. I don't want to wimp out.

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I wouldn't call them, they will just argue with you. I would just resend the original letter as you are already doing. If they want their money, they will eventually listen & settle for what you morally owe. If you haven't already done so, I would file reports with the BBB, FTC & the attorney general, that may help the situaltion move along a little faster.

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Ok, I just received a call from 866-489-0979, Smith Haynes and Watson. Her name was Ebiny and she was calling about a complaint attached to my social security number. That it is imperative that I call her back with in 24 hrs.

I looked the number up and I believe it is just a payday loan company, but it has me a little freaked. Should I call back?

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Hi Everyone,
Just wanted to give you all an update. I have received pif letters or letters saying I will recieve pifs when the balance of the original amount that was borrowed is paid from all of the pdl's except Paycheck Today, Cash Advance Network and Us Fast Cash.

Those are the only three I haven't heard from regarding my letter. These are also the only three letters that came back to me in the mail. After looking them up more on this site, I believe they are all MTE, who as I have read are a nightmare to deal with. Anyway, I continue to email and fax my letter daily to them. Yesterday I received a call from "ARM" 877-726-8505 who is a CA. After looking them up here, it seems they do a lot of work for MTE. The man who called me was extremely rude in the voicemail (which I saved). I was just wondering if anyone has any advice on how to deal with them. If there is something else I should do?

Thank you Everyone!!

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I believe that UsFastCash is part of MNE, not MTE, still just as illegal and on the same reservation. Congrats are getting the others to agree to a PIF with just the original loan amount being borrowed. Keep us posted on the others.

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sorry bout that. . .the guest post was me. . .llw

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Hi Everyone,
Ok, I never called or heard back from that lady at Smith Haynes and Watson until today. She says that it is "extremely important that I contact her immediately". After researching them, I know that it is someone trying to collect for a pdl.

The last few days I have also been receiving calls from 888-622-0222. They never say where they are calling from. It is either a recording or Carolyn stating that she has some information that I might not be aware of. Again after researching the number I know that they are collecting for a pdl.

My question is should I call them back and find out which one of the pdl's they are collecting for or can I just send them a debt validation letter and C and D Letter?

Please let me know your thoughts!
Thank you

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What does one do if there is no contact info? After phone conversation, I was to get $300 deposited (which they did) under the condition that it was to be repaid in FULL (plus $90.00 service fee.) Instead, they have debit my acct $90.00 twice, which means they aree dragging this out by taking $90 every 2 weeks (apparently to extend the loan) instead of taking payment in full. They never sent me any e-mail, so I have no way to reach them, by mail or phone. Anyone have any info/advice? They come up as PDL Loan Center.

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This is what you call a "verbal contract/agreement" which is absolutely bogus and Illegal. You need to revoke that $90 debit with your bank immediately or put your account on "deposit only" status. They will not stop and continue to debit your account.

Looks like you paid them $180 so far. All you owe them is $120 more and you are done. They will call as soon as they cannot get the funds.

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