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Posted: Thu Aug 02, 2007 12:05 pm

Okay. I had a $300 pdl with this company. I did all the hooty-do stuff required - letters, revoking, filing complaints, etc. I got a letter shortly thereafter from them stating they were ready to go to arbitration. I fired them off an email which was not nice at all telling them pdl's are illegal in my state, blah, blah, and they spouted their usual "our state law vs your state law" deal to me. On and on. So, my last correspondence with them was July 19th. I had gone over AGAIN the state law, they are illegal, what the maximum amount they could charge was, that I had been trying to contact them since June 8; however, was completely ignored. I also told them that my account was closed and revoked their debit privilidge. Okay. I am now convinced they are stupid/deaf/ignorant/whatever. I haven't heard a word since my email to them on July 19. NOW today I get an email from them. And it's amazing me all the more. They state that I actually owe $530.00 because of "charges" from my debits being returned (duh, did they not read my letter from JUNE 8TH), but they are willing to "settle" for $415 for the loan, the refinance fees, and a returned fee. Ummm....did they not get it that I explained to them they can not charge those finance charges? Did they not get that I revoked their debit authorization on June 8th? Hello! Now, I'm thinking, yes, I filed complaints on them with the agencies. Do you think they're responding now because they've been contacted? Since they never responded back to me from July. However, I'm still at a loss for words because they are willing to "settle" yet it's still for what is against my state law! Are they thick or is it me? Someone give me advice here because I'm about ready to email Shaniqua a nasty email. Or re-send my last one from July stating EVERYTHING in it. Just need some input and advice. I think they're trying to drive me insane like MTE. Maybe they're cousins or something. LOL! Laughing

Posted: Thu Aug 02, 2007 12:12 pm

Cannr
I suppose that today just is not your day. keep your cool. Things could be worse .Think of poor Shaniqua having to work for that clown a** company.
Just resend what you have already sent them. It seems to me if you send something new they are not going to pay attention to it anyways. You have done enough work. Just relax , sit back , smile and know that you are in the right 100%.You did your job
Oh and arent you proud of me , I remembered to sign in

Posted: Thu Aug 02, 2007 12:37 pm

Hey Cannr...I am going through the same thing with Eastside Lenders. I have overpaid them by $162.50 and they are saying I still owe them some outrageous amount of money. I'm in Florida and have filed a complaint with my office of Financial Regulation. I got the same letter that you got about them being "licensed in Delaware, the payments are made back in Delaware, blah blah blah" I think now they have sent me to Smith Haynes and Watson, which I guess is some bottom feeder collection agency. I refuse to pay them another penny.

Posted: Thu Aug 02, 2007 12:42 pm

I would send Shaniqua an email saying, "here is the letter I sent you on July 19th-it should explain everything to you-perhaps you didn't receive it!"

Posted: Thu Aug 02, 2007 1:01 pm

Don't even get me started on them!
I faxed/mailed/emailed the C&D letters, blah blah-you know the drill by now. I started on 07/17, and again on 07/19-07/22-07/25 and 07/28. No reply. Not a word.
Last night I got an email that actually said "Oops! We tried to debit our account and your payment was returned." It went on to say to contact them to set up payment arrangements. The last part made me laugh out loud. It says "Remember, we are here for you but we need to hear from you"
So I blasted off a friendly email recounting the several times I tried to contact them(granted-never by telephone)and according to Floria Law, I overpaid. I will not be paying, I will not give them my bank account info. And isn't it funny how I tried to contact them several times, and got no response, but the moment they found out my account was closed I heard from them. The response I got was from a collection agency!! I emailed them the same info including all the info regarding Florida Law. They haven't responded yet.
Gee, I wonder why...

Posted: Thu Aug 02, 2007 1:04 pm

Ald...who was the collection agency??? Was it Smith Haynes and Watson??

Posted: Thu Aug 02, 2007 1:10 pm

Wow, I just can't say wow enough about these guys...I don't know how you keep your sanity. If I had to deal with them, I'd go nuts. Yeah, I'm reading through the posts and just going "Hello, don't you get it??!" The gall of these people to persist in demanding more money to settle when they aren't even legal *shakes her head* I wish these places were shut down!!!

Posted: Thu Aug 02, 2007 1:11 pm

No, it was Centrinex. The person who sent the email was "Regan-Eastside Lenders" but the re: address was centrinex.com
Has anybody heard of them?

Posted: Thu Aug 02, 2007 1:13 pm

I have never heard of them.

Posted: Thu Aug 02, 2007 1:15 pm

Oh, hell no! I just checked and Eastside Lenders isn't even a licensed entity in their own stupid state of Delaware! OMG! Now I'm really mad. You've got to be kidding me. Hello! Okay, for all of you who are dealing with Eastside Lenders, please now know they are not even licensed to do business in their own state, let alone the states we reside in. Oh, this will make for a WONDERFUL response to what's her face's email that I received today. Can you possibly believe this???

Posted: Thu Aug 02, 2007 1:17 pm

I researched a little on centrinex.com the other night after reading some posts. They are like a 'call center' that does mass communication for companies (like pdl's). They get a commission off what they collect. LOL! Isn't that some interesting information? Just to let you know.

Posted: Thu Aug 02, 2007 1:19 pm

Centrinex-that is who emailed me about my defaulted loan with One Step Cash!!!!!! They were actually the easiest for me to deal with-the second the AG contacted them they marked me PIF and promised me a refund which I never received, but it was only $15 so I wasn't concerned.

Posted: Thu Aug 02, 2007 1:19 pm

It is the same agency that contacted me regarding one step cash. I read them the riot act and so far so good. they have left me alone for about 2 weeks

Posted: Thu Aug 02, 2007 1:21 pm

You have to send Smith Haynes and Watson a proper debt validation letter requiring them to;
Prove that there client is licensed to lend in your state.
Prove that the charges do not exceed the interest laws of your state.
Show how they came up with the amount they say you owe.
Show any payments and how they were apllied to your account prior to their aquiring it. 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

This must be sent by certified return receipt mail. Not email, not first class mail and do not waste your time talking to these people on the phone. Make sure you include a cease all communication paragraph.
Thay will not be able to validate this because they have nothing to substantiate there claim.
Smith, Haynes and Watson, the name sounds like they sell deli meat!

Posted: Thu Aug 02, 2007 1:36 pm

I need a sample letter to send them. I know its on here somewhere! Can someone post a link for the debt validation letter?

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