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Posted: Mon Aug 27, 2007 6:59 am Subject:

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.

Posted: Mon Aug 27, 2007 7:00 am Subject:

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

Guest · Posted: Mon Aug 27, 2007 5:38 pm Subject:

Hello. Well i did get a call at 4:57am this morning from the gentleman threatening to have me arrested and have not heard back since. I did however hear from total lending, who is initially who i took the loan from, and the state AG (or someone from the state). These loans were taken after 7-1-2007 and he was very specific to tell me that all i owed was the amount I borrowed and they couldn't take me to jail. Also stated neither companies were licensed. Informed me that if the collection type company called again to refer them to the oregon laws and hang up. I did eventually go to work after speaking with the man from the state. I felt much better.

Posted: Mon Aug 27, 2007 5:44 pm Subject:

Good...we told you it would work out!! Thanks for letting everyone know what happened...and let us know if you have any otehr questions. Good Luck...

Posted: Mon Aug 27, 2007 5:45 pm Subject: reply

Amen! Thank goodness! I'm so glad you're finally feeling relieved! Now you know for sure what you are doing. No question. So, now that you know your "illegal man" is truly illegal (told you he was sitting home in his pajamas!) are you going to contact Total Lending (who is not licensed, by the way) and inform them of your conversation with your state agency? See? You're not in jail! Very Happy

Guest · Posted: Mon Aug 27, 2007 10:01 pm Subject:

Funny thing about total lending. I've tried to contact them for almost 2 weeks without any response. Now that I have filed complaints with BBB, FTC, and my states AG they finally called me this morning. They state my loan is now with their collection department called "ICOLLECT". I explained to them the situation regarding pajama man this weekend and everything he said. She stated they never gave any company by that name my information. I also informed them in writing and verbally that they were no longer authorized to debit my account. Also told them that in my state they were not licensed and what I owed them was $250 plus at the most a processing fee of less than $25. I think I surprised her on how much I knew. I was hoping, in a way, that the really rude man would call back so that I could put him in his place. I feel better about no jail but still regret taking the loan in the first place. Oh well lesson learned.

Posted: Tue Aug 28, 2007 3:43 am Subject:

We all have regrets over what we did....what counts is what we elarn and knowing we will never do it again!!! You did great!!!

Posted: Tue Aug 28, 2007 9:03 am Subject: reply

Please remember that Total Lending is not licensed/legal. If they've turned you over to collections, you may want to see if they are even licensed/legal. Nothing like an illegal pdl sending you to an illegal collection agency. God love them.

Posted: Tue Aug 28, 2007 9:12 am Subject:

Yes, a collection agency must be licensed in Oregon to collect in Oregon.

Posted: Tue Aug 28, 2007 10:06 am Subject:

Mom, I'm in Oregon too and have been going through the same situation. I got lucky though and didn't have a threatening foregin pajama wearing couch man call me tellling me I'm going to jail. That must have been freightening.

Glad things are working out for you, and sorry I wasn't able to help with the advice sooner! But stick with all the advice here and don't feel bad any longer, we've all done it too. Good luck...

Posted: Tue Aug 28, 2007 10:40 am Subject: reply

Watch out, poko! Mr. Potato Chip Sitting On His Couch In His Pajamas might be setting down his Coke and chips and dialing your phone number now! LOL! Laughing

Posted: Tue Aug 28, 2007 10:51 am Subject:

Well at least I know now to just hang up on him, but if that would have happened before I found this site I don't know!

Posted: Tue Aug 28, 2007 7:25 pm Subject: reply

Thank God for this site! Very Happy

Posted: Tue Aug 28, 2007 11:46 pm Subject:

Ok does anyone know anything about I-Collect. That is the collection agency they sent me too. I'm still concerned because I saved the first voicemail I received from this man and he had all my information. Home address, SSN, and all. I'm going to contact the credit bureaus and notify them but someone having my address and all my personal information that I didn't authorize to have it is a bit unsettling. Not that he'll get off his couch in the west indies and come get me but still creepy. any other suggestions of things i can do to protect myself

Posted: Wed Aug 29, 2007 3:58 am Subject: reply

mom, I found this address at least.

iCollect
10120 South Eastern Ave
Ste. 200
Henderson, NV 89052-3951

You need to go to the search box at the top of this site page and type in icollect. A lot of posts came up regarding them. You need to read up on them. I think there may have even been a telephone number on one of the posts. Sounds ugly to me. Please, do the search and read up on others experiences with them.

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