questions from oregon

i'll tr that monday can you file the complaint with bbb and AG online or is it something you have to call in to do. do i file the complaint about total lending or the united investigation people.

mom, you can file with the BBB and the FTC on line. Very easy. Go to www.bbb.org and file. Then go to www.ftc.gov and file. You need to file with your state attorney general also. I just did a google search for my state attorney general. The site was there. I went to it, went under consumer protection, and they had a complaint form. In my state, I couldn't file on line. I had to down load the form, fill it out, and send 2 copies in. Which I gladly did! You need to file complaints on both. File one for Total Lending and their "business practices". File one on the idiot in Iowa regarding their "harrassment and threats". Please do this. And, please, do not be afraid. Nothing is going to happen to you. Hell, if someone was going to be hauled off to jail for illegal internet pdl's, it would have been me! LOL! And I'm still here on my computer! Not in jail.

The number that the people claiming to be coming to arrest me monday is 305-433-8364. they gave me a 954 number as well i think. the 305 number comes up as united federal bank out of florida i think. i found information on them i think on rip off reports or something like that. i know they will call monday and not sure what to say. the last conversation the poor english speaking man wouldn't let me get a word in edge wise

United Federal Bank
Platinum B Services
Big Pine Key, FL 33407
Primary Phone: (305) 433-8364

Yes, this is the information that comes up under the BBB. It also states the company's nature of business is "under review."

Use this address when filing your complaints. And, yes, you did see all the other people threatened by this so called company on rip off reports. But there are also many other posts regarding it other than just rip off reports. Tons.

sorry don't mean to be a bother...am I filing the complaint with bbb under goods and service or which catagory exactly

You are not a bother! Please! File with the BBB under Business Complaint - involving a good or service. I think the next thing it'll ask is "what". If I remember correctly, I think I chose "collection practices" or something like that.

ok filed the complaint...now what happens....do i try to contact total lending...i did try calling them a couple times when they debited my acct on the wrong date causing a large amount of fee's thats what started this whole thing. i disputed it with my bank not as a fraudulent charge but that they debited my acct on the wrong date. Never heard a word from anyone at total lending, after leaving 2-3 messages for a supervisor, the ony call came from the people threatening to arrest me Monday.

Try sending an email. You should get a response. I never spoke to them over the phone. I did all my communicating via email with them. I would certainly at least send an email and see if you get a response from them. If the idiot guy calls you again, hang up on him. Nothing will happen to you. You filed with the BBB, which is good. Now the BBB will contact Total Lending and the other "bogus" company. They give them a certain time period to respond. Once they respond to the BBB, the BBB will email you with the status. So it's just a waiting game for now. Did you also file with the FTC and your state AG?

no just the bbb....how do i file with the other two....do i file a complaint for both total lending and the company that called threatening me.

Okay, you need to file with the FTC also. You can go to their website at www.ftc.gov. You can do it on line. You need to file with your state attorney general. Just do a google search for your state (oregon?) attorney general. The site will come up. Go under Consumer Protection and you can file a complaint. I would file complaints on BOTH Total Lending and the idiot who is harrassing you. Use the address I posted for the idiot who is harrassing you.

thanks for your help i feel a little better can't help but still be a little worried about being dragged away in hand cuffs Monday. I filed one with bbb already on united federal bank and one with AG on total lending I will finish the others tomorrow. all this has made my head hurt. I definately learned my lesson. I will never be this desparate again.

mom, it's work, but worth it. They need to be reported! Insane pdl's and their insane collectors! I'm just sorry you've been subjected to one of the worst "collection calls". Yuck. But, do not be afraid on Monday. Nothing is going to happen to you. As a matter of fact, on Monday, come back on here and post so that we'll know you're alive, home, and safe! LOL! And, as morningstarr was asking you, have you done anything regarding your bank account so that the pdl can no longer access your money?

I have done nothing as of yet wlll call the bank in the morning. Then have to change all my direct deposits. It's not my work that will be hard I work for the bank I bank with. I have to change my child support as well as my son's adoption subsidy. It will be worth it. I did file a complaint with the bbb and my AG on both companies. I haven't filed a complaint with the FTC yet. I will log back on tomorrow. But my mind will definately be a little preoccupied tomorrow. If they do call to harrass me I'll just offer to meet them at my attorney's office. See what response I get then

mom, at least try to get your bank to block them, if nothing else, while you're getting a new account set up with all the other stuff you have to do. At least they won't be able to hit your account any further. And, if you do get that phone call, please tell Mr. Sitting On His Couch Eating Potato Chips that you will meet him downtown at the courthouse. Tell him you'll be wearing a red rose in your ear so he'll know it's you! LOL! And, be sure to file with the FTC whenever you get a chance! Just please post Monday when you've talked to the bank and let us know what's going on. And, also, if your "friend" calls you again. He may not even call!

I live in Oregon too! The laws here regarding pdl's just changed a couple months ago. They are VERY strict now!

Have you renewed these loans since July 1, 2007?

If you have, the laws are very specific. You wouldn't file with the AG, you file with the Dept of Banking in Oregon. The guy that used to be in charge just retired, but I am hopeful that the new guy will be just as helpful.

And you CANNOT be criminally prosecuted in Oregon for defualting on a payday loan. Period.