MTE Financial sent me this email

No, I agree. And, ARM hasn't been trying to collect and they haven't placed anything on my credit report. I think that ARM is legal, but their client, MTE isn't, so they know that they can't do anything to collect on it. I have only gotten the contract from MTE when I asked for validation, but nothing else that is required with it. So, we'll see what happens. I'm hoping that OneClickCash doesn't foward me to collections, as they are getting their money through my dmp.

Thanks for the input, I just may do that. Can I send a debt validation letter to MTE? Or do I have to wait till they send it to collections? This stuff gets so confusing!

If ARM is legal then they wouldn't be attempting to collect for MTE.

Well, ARM is owned by GE Services, which is a pretty big, legal collection agency. So, ARM is legal, it's their client that isn't, because they can't provide all of the information to legally validate the debt.

teriahosking-You can wait until they send you to collections. I would file compliants against with the BBB, and see what happens that way. It's almost better to wait until it goes to collections, and then do the debt validation letter, as MTE will not longer own the debt, they will have sold it to ARM.

So do I need to wait till they send me to collections before I file a complaint?

I would think (and this is just my opinion) that if they were aware that their client was illegal, then this it would be illegal to try and collect a debt for them...A collection agency USUALLY would try to gather all this information before attempting to collect.

Jen, I'm not sure. This is what I've been advised when asking these questions here before.

teriahosking-I would file your compliant against MTE with the BBB ASAP! See what will happen then. I know that Canr has more experience dealing with them, as they haven't forwarded her to collections.

debtfreein08 - Thanks for the advice, I will file a complaint and see what happens! I'm out of time today, so I'll work on it tomorrow. Thanks again!

teri, you need to file your complaints NOW. You need to file with the BBB, the FTC, and your state AG. Go to www.bbb.org. You can file on line. Go to www.ftc.gov. You can file on line. Then find your state attorney general (I just googled mine). The site will come up. Under consumer protection they have a complaint form. I don't know about your state. Some you can file on line, some you have to download the form and fill it out and mail it in. It is VERY important that you file with ALL THREE of these agencies. MTE will lie to the BBB, they will then consider it "closed" saying you "refused" a settlement offer. Do not just file with them! Make sure you file, but don't just stop at the BBB. YOu need to file with the FTC and your state AG. And you need to do it now. Don't worry about a debt validation until you get turned over to collections (if ever). Trying to reason with MTE is a nightmare. File your complaints, don't sweat MTE until they contact you. Once they do, let us know what's going on. We can go from there. File your complaints now!

ARM makes feeble attempts to validate. Then disappear after the next letter. They fail to prove anything regarding MTEs legality or any payment history.

Cannr, I just file complaints with the BBB and the FTC...working on how to file with WI AG....WI doesn't make anything easy....Thanks for your advice, I'll keep you posted.

Thanks, teri! You know we're here to help! Post any problems or questions!

Well, I never did find where to send a complaint to the WI AG (there's a whole bunch of them) But I did file another complaint with the WI Dept of Financial Institutions. Hopefully that works...

Okay, your state is confusing! I went to check it out and it just keeps saying the Department of Finance and the Department of Justice. Okay..... how the heck to I get to the attorney general? LOL! So, you probably did the right thing by doing the complaint on the Department of Finance link. Try the other one for Department of Justice. Why not? File, file, file!

I couldn't find a complaint form on the DOJ site, they only gave a phone # and mailing address. I think the DFI will handle it the complaint form was a lot like the BBB and the FTC. Tomorrow is the big day when they will all try to hit my closed bank account...this could be interesting!

teri, I guess the Department of Finance will be of service. I hope anyway. And, hang on next week! Please post once the whirlwind of calls start coming after your pdl's catch on! It might take them awhile, but they'll eventually catch on!