Internet's first get-out-of-debt community - 129,000 members

Posted: Fri Nov 09, 2007 8:32 am Subject: Pay check today / PDL

Pay Check Today /MTE Financial Services INC

Are they legal ?

Posted: Fri Nov 09, 2007 11:13 am Subject:

No they are not!!!!!

Posted: Fri Nov 09, 2007 11:53 am Subject: r

Thanks, puddle! You saved me from putting my Evil or Very Mad

face regarding them! So I did it anyway!

Posted: Fri Nov 09, 2007 11:54 am Subject:

lol Cannr

Posted: Fri Nov 09, 2007 12:18 pm Subject:

So how would i handle this Pdl

Posted: Fri Nov 09, 2007 1:52 pm Subject: r

Well, cam, these guys are ruthless. They are MTE Financial. Not licensed anywhere. Illegal. Yet they will hound the living crap out of you. Just be sure they can not get your money. Send them a letter revoking everything from debiting your account to any wage assignment (they don't have one, but do it any way). Tell them to only contact you via email or USPS - no telephone calls will be taken. Then file complaints against them with the BBB, the FTC, and your state AG.

Posted: Fri Nov 09, 2007 2:34 pm Subject:

Ruthless hun , Alrightie, here we go there payment was returned today and i have fax them 2 letters 11/08/07/11/09/07 they were confirmed received . Whats the next step with Ruthless Shocked

Posted: Fri Nov 09, 2007 2:48 pm Subject: r

cam, you sent the letter to them? Okay, if you faxed it, also email it (if you have an email address) and also put it in the mail certified to them. By ruthless, I just mean that they will never give up. They like to continue to try hitting closed accounts. They lay quiet for some time and then spring back up in your face. They will lie to the agencies when you file complaints. Just the "usual" for nice illegal pdls.

Posted: Wed Nov 14, 2007 1:19 pm Subject:

sent them 2 letters by fax and email This is there response i guess the fight is on

recommend, at the very least, returning the $400 loan you received on 10/29/07. If you will do that we will close the account. Otherwise we will pursue collecting the entire debt.

Mike

Posted: Wed Nov 14, 2007 1:21 pm Subject: r

Have you paid them anything at all on the loans?

Posted: Wed Nov 14, 2007 1:23 pm Subject:

No i havent it was a new loan firs time ever doing business with them am i responsible for it even if there not legal i know morals right ! Confused

Posted: Wed Nov 14, 2007 1:25 pm Subject:

well just give them back what they gave you then, that seems like thats what they were saying

i would take that offer, even if they are illegal you got the money so just give them back what they gave you and call it eve., JMO

Posted: Wed Nov 14, 2007 1:27 pm Subject:

I have the same question-how much are we legally responsible for if these companies are illegal?

Posted: Wed Nov 14, 2007 1:30 pm Subject: r

Well, that's where we have controversy. Some people will NOT pay an illegal company. Some people will pay back the principle amount of the loan ONLY. It's entirely up to the individual. I would not tell anyone what to do. Legally, they can not collect on this illegal debt. Morally, people think you should pay back what was deposited in your account, as you did receive the funds, and you did use the funds. However, as I always say, it is up to the individual as to how they want to handle the situation. And no matter what decision is made as to how they handle it, they will not be judged. Wink