Internet's first get-out-of-debt community - 117,000 members

Posted: Wed May 14, 2008 1:17 pm

I closed my bank account the week of April 14th.

I was due to have the PDLs debit my bank on April 25th.

I sent out letters on the 21st and 22nd of April to the PDLS along with emails and faxes stating I was revoking any debits, cease and desist contacting me, revoking wage garnishing etc...and my proposal to pay back the principal on the loan if owed.

I borrowed $975 from WebPayDay in early April. I paid $243.75 on April 11th. I proposed I pay them the balance of $731.25 in 4 payments. They never replied to me, called, nothing....until the past few days.

I finally got time to call them back. Well, Miss Brenda Green told me I owed them the $975 plus 2 debits of the finance fee of $243.75 plus $40 for the 2 NSF fees...totaling over $1500..

I told her there is no way I am paying it...I told her I sent them letters, faxes etc.. on the 22nd and they never replied. I told her they were revoked the right to debit my account and therefore, any fees or NSF fees are void. She tried to speak to me but I told her I would fight it tooth and nail and that they were illegal in PA and their interest is illegal etc... she got frazzled and asked me to hold so she could transfer me to her supervisor, Lamar Nevilles. After holding for 5 min....as I bet they worked on their gameplan, Mr. Nevilles tried to play the calm guy and explained the loan etc... I told him I am willing to pay only the balance of the principal in the amount of $731.25 and nothing more. He then tried to explain how things work....I told him again i will only pay the $731.25. He then put me on hold after saying he will see what he can do....I was on hold for another 5 minutes when he said they were having computer issues and he would get back to me before 5pm today.

Any advice?

Posted: Wed May 14, 2008 5:54 pm

Sounds like a couple of bumbling idiots!

Send them an email with the proposal....

Posted: Wed May 14, 2008 7:26 pm

you are being way too kind volley. Laughing

Posted: Wed May 14, 2008 7:28 pm

I am with volley, send an email.

Posted: Wed May 14, 2008 7:37 pm

I agree with the rest of the bunch, send an email, tell them to take it or leave it. Crimey sakes, they're lucky to be getting anything.

Posted: Thu May 15, 2008 7:31 am

I say send the e-mail with a request that they mail you a hard copy of your agreement.

Posted: Thu May 15, 2008 8:00 am

Update:

Mr.Nevilles never called me back yesterday. I got a call from Tamika Ivy this morning telling me i had a balance of $1700 and how i wanted to pay it. I told her about my conversations yesterday with Ms. Green and Mr. Nevilles... he said they were away and i told her my stance and she said i wasnt following the agreement and wanted me to pay a huge chunk over the phone. I told her to have Mr.Neveliies, the supervisor to call me and I am only paying the balance from the principal.

I want to send an email....how much should I tell them I will pay???

i need some help - thank you

Posted: Thu May 15, 2008 8:21 am

Tell them you will pay the principal amount, and you want a physical address to send payments to, and you will only send money orders, period. Take it or leave it. This company is illegal, they can't sue you, they're lucky to get anything. Here's a thread about them, it might give you some ideas how to handle them.
http://www.debtconsolidationcare.com/settlement/legal-mitigation.html

Posted: Thu May 15, 2008 8:26 am

Shazzers - please check out my email I want to send and let me know what you think

To Whom It May Concern,
After sending letters and faxes to you between the dates of 4/23/2008 and 4/30/2008 regarding my account and revoking your right to not debit my bank account or contact me via telephone, I am proposing the below payment arrangement to settle my account balance of $731.25 after paying $243.75 on my $975 loan. I am proposing to pay the remaining balance of $731.25 in 6 payments. After the 6th payment, I would ask that my account be marked Paid in Full.

If you agree to my proposal, I will drop all complaints filed on 4/23/2008 with the Attorney General’s office of PA, the BBB and the PA Department of Financial Regulation.

Please send me a physical location (address) to mail the money orders to or no payments will be made.

Posted: Thu May 15, 2008 8:31 am

I don't think I would withdrawal the complaints, no doubt they will probably come back with that as a counter offer anyway. I would delete that part. Smile

Posted: Thu May 15, 2008 8:33 am

I told the lady on the phone i filed complaints and sent them cease and desist letters and she wasnt phased... i was thinking it could wake them up?

Posted: Thu May 15, 2008 8:36 am

Did you file them? I still wouldn't give them that option, you owe them nothing but the principal amount, but that's just me. I use to pressure the heck out of the pdl's I was involved in, I wouldn't give them anything other than what they were due to receive. But, like I said, that's just me. Smile

If you want to, I see no harm in it.

Posted: Thu May 15, 2008 8:42 am

I did file complaints on the 23rd... I told them that as they could see with my letter they received. I sent it on the 23rd and she said they didnt get it till the 30th. I said no, customer service got it on the 23rd and didnt give it to collections until the 30th... not my fault.
OK- I sent the email..

i will keep you posted... so they are illegal which I told her and she said "we dont do anything illegal". I said PA law states the interest cant exceed 24% in a year and you are charging me 900% plus.... she was in aww...and was quiet then got her supervisor on the phone. Should be an interesting day if they call again.

Posted: Fri May 16, 2008 12:13 pm

OK...here is an update.

Sent them another C&D letter because they kept calling me at home and work using 4 different people...

Finally called this guy and he tried to act all nice and tell me I owed them $1700....I told him to take my offer of paying off the principal minus the fees paid and thats it... he then tried to explain to me the signed loan...i stopped him at his tracks and yelled and told him take it to his boss and either accept my proposal faxed over or dont.... either way - DO NOT call me again per my letters. He said he was going to talk to his boss and look at the fax with the proposal and email me if they accept it or not. I told him not to counter offer because its not going to be considered...Its been 2 hours and no email yet.... this is the 5th person that has called me from that place...one time the lady said her boss was in the break room and needed to call me back...I told her then I guess the message he lefft saying it was urgent was not that important... she didnt like my tone and went and got him off his butt and on the phone

Posted: Fri May 16, 2008 12:16 pm

refile your complaints,let your AG know what this place is doing.

Debt and Credit Management	Other financial topics
Debt Consolidation, Management and Settlement Dealing with Creditors and Collection Agencies Get-out-of payday loan help Creditors and collection agency address book Credit Repair, credit score and credit reports Financial education through videos	Additional income, investment, shopping & budgeting Banking including help on chexsystems Identity theft - scams, security and training Getting a Loan and choosing a good lender Dealing with Student Loans US Tax system and impact on debt
Community success stories	Miscellaneous - Hangout forums
Winning stories with debtcc community Stories: How I accumulated debts	Expert articles - Community knowledge bank Debtcc Complaint center Pub, feedback and announcements Funny Videos - Hey you worked a lot, now laugh and relax

*Name:
*Email:
*Phone:
*Zip:
Debt

	* denotes required field

Internet's first get-out-of-debt community - 117,000 members

Just got off the phone with WebPayDay - check it out...

Members Area

Free Debt Counseling

Ask the community

Question of the week

Useful Links

Highlighted Topics

Recent Blog Post