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 Posted: Tue Jul 31, 2007 7:50 pm Subject: GECC Cash Direct Express
Latest Blog Post : Where do I begin? |
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GECC sent me a registered letter today. Of course they are denying they have to follow NY laws since they are in Delaware and licensed in Delaware blah blah blah. Out of the goodness of there heart they are willing to release me from further obligation of $335 (when I paid $821 on a $400 loan) IF I sign and fax back a confidential Mutual Release agreement AND agree to withdraw anything I may have filed against them with the AG and or BBB. What would you do?
OK - I thought I was losing it but I just checked my previous threads and found this: | Quote: | Today's assignment was GECC. I received a letter from PD Recovery Inc - Collections from Utah over the weekend. I called them when I got home and had to leave a message but they called back about an hour later. The first girl I talked to was very nice but told me she just wasn't up on all the state laws so she passed me on to her supervisor. She started off with the old now let me understand you signed a contract, you knew the terms and now you don't want to pay us back. I just kept my cool and kept repeating every time you are right I did sign a contract and agree to the terms but then I found out that payday loans are illegal in NY so I do believe the terms of the contract are now void. I have paid $821 on a $400 loan. So she asks so now you want a REFUND? I said no actually I haven't been with GECC very long so all I am looking for is a PIF. If I can have something in writing I will send it in to the Attorney General and update my complaint form. Now I can't talk to what the Attorney General will do, I have heard he is very agressive to get refunds to NY'ers that have overpaid on these loans but like I said before I am just looking for a PIF. She then got very nice and said she needed to talk to Mark (who ever that is) and she verified my address and said I should have a letter in 3 days or so. If I haven't heard by Monday she said to please give her a call back. I said regardless of the outcome I just want it known I am working with you and don't want you to think it needs to go any further than contacting me. She said no problem she understood and she appreciated me working with them. I then hung up and tossed my cookies (sorry TMI) I talk a good game but man this stuff eats my insides out! To all of you out there keep on plugging - it really works to just deal with one at a time.
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I had marked this one PIF? in my papers now I know why. In GECC's letter today they said I had NO contact on record with them. Well, they had turned me over to PD Collections and that is who I dealt with - I think before I sign off I will fax them a new letter and counter their offer since I have proof that I was working with them from the onset.
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MPEREZ56
Joined: 06 Nov 2006
Posts: 253
Debtcc Points: 6643
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Posted: Tue Jul 31, 2007 7:58 pm Subject:
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These guys contacted me too through some weird collection company out of Illinois. Same PDL company though. I filed a complaint with the AG in NY as well as IL as the PDL company is not a licensed lender in NYS and the collection company they used is not licensed to collect. File a BBB complaint too. I got a response from mine in less than 2 weeks. They stated they were considering the account null and void and no further collection activities would occur.
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waterbug811
Joined: 01 Jun 2007
Posts: 137
Debtcc Points: 3214
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Posted: Tue Jul 31, 2007 8:03 pm Subject: mperez
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mperez, did I give you the contact information with GECC that got mine resolved? It was a supervisor there. They gave me the same mumbo jumbo about their laws vs our laws, blah, blah. Didn't matter to me. I got it settled. I thought I had posted the contact information. If you need it, let me know.
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cannr
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Joined: 07 Jun 2007
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Posted: Tue Jul 31, 2007 8:04 pm Subject: mperez
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Oh, and P.S. I didn't have to sign a thing.
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cannr
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Posted: Tue Jul 31, 2007 8:07 pm Subject:
Latest Blog Post : Where do I begin? |
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Cannr - I think I do have your contact info. They are willing to settle however, I don't like the fact I have to agree to withdraw any complaint against them with the AG and BBB. That tells me they know I have merit in what I'm doing. I need to sleep on it and decide what to do.
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MPEREZ56
Joined: 06 Nov 2006
Posts: 253
Debtcc Points: 6643
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Posted: Tue Jul 31, 2007 8:08 pm Subject:
Latest Blog Post : Decision |
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They are probably asking people to sign gag requests and to pull reports to the Ag because they are starting to get too many!!! Yea us!!!!
_________________
If you think you can, you can...if you think you can't, your probably right...
http://lifewithyourcredit.yesdebtfree.org/
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Morningstarr430
Debt Samaritan
Joined: 13 Jun 2007
Posts: 2337
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Posted: Tue Jul 31, 2007 8:11 pm Subject: mperez
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Yes, please just sleep on it. A decision may just pop into your head tomorrow. You just let me know if you need any information from me. I just want you to know they did not ask me to sign anything and they did not ask me to pull any complaints I had filed. And, to be honest, I wouldn't pull the complaints anyway. They are operating illegally. So the complaints are in! Sorry about their luck! You just keep us posted and let us know what's going on! I'll be thinking about you!
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9376
Debtcc Points: 124824
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Posted: Thu Sep 13, 2007 11:10 am Subject: Cash Direct Express
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Cannr - can I get your contact information for Cash Direct Express?
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motomom716
Joined: 17 Oct 2006
Posts: 141
Debtcc Points: 2075
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Posted: Thu Sep 13, 2007 11:20 am Subject: reply
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motomom - ANYTHING for you, my friend!
Tracy L. Callaway
Customer Relations Supervisor
phone: 1-302-737-0926 ext. 302
fax: 1-302-737-3873
tcallaway(at)geccloan.com
I did everything via email with her. I had no problems. Good luck to you. Let me know if she's able to help you! 
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cannr
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Joined: 07 Jun 2007
Posts: 9376
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Posted: Thu Sep 13, 2007 12:51 pm Subject: GECC
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Thank you so kindly pal. I will get back to you on this one.
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motomom716
Joined: 17 Oct 2006
Posts: 141
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Posted: Thu Sep 13, 2007 1:26 pm Subject:
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Keep us posted on the outcome. I am curious what they have to say to you.
ladybug
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ladybug
Joined: 29 May 2007
Posts: 2641
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