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 Posted: Fri Jan 12, 2007 1:05 pm Subject: Geneva Roth left me a message saying they filed a complaint |
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They left me a message saying they filed a complaint in my state on me and that I need to contact them as soon as possible or at my earliest convience.
I was just wondering if anyone has had this happen before, I would like to know what to expect before I call.
Thank You!
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Rebecca25
Joined: 17 Dec 2006
Posts: 18
Debtcc Points: 600
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| Posted: Fri Jan 12, 2007 1:14 pm Subject: |
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What is the status of your pdl account with them?
What state are you in? Have you checked if Geneva Roth is licensed there? Go through the contract you signed with them and see if they have followed the laws in your state. Review the terms and conditions mentioned in the fine print and if there is any point to dispute, prepare your defense.
You need to find out the reason of the complaint. Give them a call and know the actual story.
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mute805
Joined: 17 Oct 2006
Posts: 198
Debtcc Points: 3278
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| Posted: Fri Jan 12, 2007 1:21 pm Subject: |
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the loan is in default, and I live in Oklahoma.
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Rebecca25
Joined: 17 Dec 2006
Posts: 18
Debtcc Points: 600
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| Posted: Fri Jan 12, 2007 3:37 pm Subject: |
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This is the law in OK. Compare the charges with the contract signed with Geneva Roth. You will know if there is anything to dispute with them.
| Quote: | Legal Status: Legal
Citation:
Okla. Stat. Ann. tit. 59 ยง 3101 et seq.
Loan Terms:
Maximum Loan Amount: $500
Loan Term: 12-45 days
Maximum Finance Rate and Fees: $15 per $100: $0- $300; $10 per $100: $301-$500
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: None (cannot renew; a loan made within 13 days after a previous one was entered into shall be considered a renewal and shall not be made)
Cooling-off Period: Second business day after the 5th consecutive loan repaid
Repayment Plan: Yes
Collection Limits:
Collection Fees: $25 NSF fee (if disclosed) unless dishonored due to theft or forgery
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: Oklahoma Department of Consumer Credit
Address: 4545 North Lincoln Boulevard, Suite 104 Oklahoma City, OK 73105
Phone: (405) 521-3653
Fax: (405) 521-6740
Regulatory Contact: Jack Stone,, Deputy Administrator
http://www.okdocc.state.ok.us/ |
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mute805
Joined: 17 Oct 2006
Posts: 198
Debtcc Points: 3278
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| Posted: Fri Jan 12, 2007 9:26 pm Subject: |
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This company is the worst that you will ever deal with. I believed them and set up a payment arrangement with them...they took a double payment, which I fought and they credited back, and now they have attempted on 2 different occasions to take different amounts out of my account.
They will use all sorts of scare tactics to get you to pay. Use the resources on this board and get all your ducks in a row and then fight them. There are a variety of threads on here.
Good luck!
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stac88
Joined: 02 Oct 2006
Posts: 58
Debtcc Points: 2388
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| Posted: Fri Jan 12, 2007 10:15 pm Subject: I have a question |
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HAve these people ever helped anybody?
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emit
Joined: 12 Jan 2007
Posts: 1
Debtcc Points: 12
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| Posted: Sat Jan 13, 2007 6:53 am Subject: |
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What type of complaint have they supposedly filed against you?
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CowampChicken
Joined: 20 Dec 2005
Posts: 3681
Debtcc Points: 36192
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| Posted: Sat Jan 13, 2007 11:22 am Subject: |
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If they left that message, I would get a recoreder and record it so it could be used in a case against them for violating laws.
_________________
Register today to cash in debtcc points.
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Guest
Debtcc Points: 100
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| Posted: Sun Jan 14, 2007 7:46 pm Subject: |
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This company did not file a complaint against you with your state. They are only trying to intimidate you. You should block them from your account and if you still owe on the principal make arrangements to send them payments by money order only.
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5316
Debtcc Points: 71262
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| Posted: Mon Jan 15, 2007 12:50 pm Subject: |
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They are trying to scare you into calling them back and making a payment that they know you can't afford.
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bdouble
Debt Samaritan
Joined: 15 Jun 2006
Posts: 356
Debtcc Points: 4449
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