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 Posted: Tue Jan 30, 2007 9:44 am Subject: Email reply from Cashdirectexpress help... |
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I emailed them regarding per MA laws you have overcharged me for my 400 loan (I paid thus far 578.00 in renewals!) i asked for my acct to be PIF and not to debit my account and not to notify me or my work etc etc.. I got this email today...nothing about PIF mind you.. what can i reply and i did file a complaint via the mail to my AG's office yesterday!
Please note i am from MA and took this out via the int. In MASS. Am i truly subject to their laws and not MA? Sorry long, but i need help on a reply to get this PIF!
| Quote: | RE: Correspondence received on January 29, 2007 concerning XXXXXXX
Dear Ms. XXXX,
I am writing in reference to your correspondence received on January 29, 2007.
Please be advised that GECC, Inc., dba Cash Direct Express is as follows:
1. Cash Direct Express is a lender licensed under the laws of Delaware
2. Cash Direct Express is not conducting business in the State of Massachusetts.
3. Cash Direct Express does not maintain a location in the Sate of
Massachusetts.
As was specifically stated in your loan agreement, the loan was provided in
accordance with the Laws that govern licensed lenders in the Sate of Delaware.
The choice of venue was stated in your loan agreement as the State of Delaware.
Our physical location is in the State of Delaware. The loan was approved and
funded in the State of Delaware.
In addition, we also received your request regarding revocation of the
authorization given for us to debit you account.
We provide alternative payment methods for your convenience if you would like to
avoid the automatically scheduled debits from occurring. You are able to send
money order payments via certified mail to:
300 Creek View Road Suite 204
Newark, DE 19711
This payment must be received by us at least 3 business days prior to your
scheduled due date in order to prevent an attempted debit from the account we
have on file.
You may also send your payments via Western Union Quick Collect. Our Western
Union information is as follows:
Pay to: Government Employees Credit CTR Inc.
Code City: GECC
State: DE
Account no: Your social security number or current loan number
Once completed, please call and provide one of our representatives with the
Money Transfer Control Number you receive so we can verify the transaction.
A Western Union payment must be received at least 1 full business day prior to
your scheduled due date in order to prevent an attempted debit from the account
we have on file.
In the event you choose not to take advantage of one of these alternate methods,
please be advised that all standard payment procedures will be followed in
accordance with your contract provisions.
I hope this has answered all of your inquires. If you should have any
additional questions or concerns please contact our office at your earliest
convenience.
Thank you,
Customer Relations Department
Government Employees Credit Center
Processing Center
300 Creek View Rd
Newark, DE 19711 |
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kimmy378
Joined: 25 Jan 2007
Posts: 31
Debtcc Points: 1036
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| Posted: Tue Jan 30, 2007 10:05 am Subject: |
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Kimmy send them a *letter of revocation* on your debit account, give one to your bank, then close that account so they cannot debit you anymore money! ASPA!
If the bank refuses to co-operate....institute the FDIC Bank Regulations.........E 15CFR168 or 169B(B).
I'll get that rounded up & posted here for you but act very fast. okie dokie??
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texasconsumeractivist
Debt Samaritan
Joined: 23 Jan 2007
Posts: 680
Debtcc Points: 553
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| Posted: Tue Jan 30, 2007 10:30 am Subject: |
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Thanks Texas.. if you can IM me w/that letter i'll try to gem it up. How can i try to get them to PIF? do you think i can ahve any luck with that?
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kimmy378
Joined: 25 Jan 2007
Posts: 31
Debtcc Points: 1036
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| Posted: Tue Jan 30, 2007 10:34 am Subject: |
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Send them the letter again. Most of them do come back and say they are not "conducting business" in your state, but if they loaned you money in Mass., then they are conducting business! Stand your ground!! and keep filing complaints!
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scotch
Debt Samaritan
Joined: 21 Sep 2006
Posts: 171
Debtcc Points: 3332
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| Posted: Tue Jan 30, 2007 10:35 am Subject: |
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will do ms kimmy soon as I get a little breathing time.....on the trail of a few bad boys right at the moment....okie dokie? Oh wait! go to the DIY section here....look in the RH column for it or on the main page. And I do have a link I can email you for info on them too........be back in a while.....
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texasconsumeractivist
Debt Samaritan
Joined: 23 Jan 2007
Posts: 680
Debtcc Points: 553
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| Posted: Tue Jan 30, 2007 11:08 am Subject: |
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I am at that page, but not seeing the title of it.
what is rh? Thanks.
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kimmy378
Joined: 25 Jan 2007
Posts: 31
Debtcc Points: 1036
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| Posted: Tue Jan 30, 2007 12:59 pm Subject: |
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Arg kimmy! I lost the dang link! Didn't bookmark it before closing it out.......
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texasconsumeractivist
Debt Samaritan
Joined: 23 Jan 2007
Posts: 680
Debtcc Points: 553
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| Posted: Tue Jan 30, 2007 1:08 pm Subject: |
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going back & Forth via email, they still state because i signed their contract I have to go by their DE laws and not MASS.
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kimmy378
Joined: 25 Jan 2007
Posts: 31
Debtcc Points: 1036
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| Posted: Tue Jan 30, 2007 1:57 pm Subject: |
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Get your complaints in against this company with your AG's office and continue to stand your ground. Make sure you also block this company (list the dba's they go by as well) from your account.
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5317
Debtcc Points: 71258
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| Posted: Tue Jan 30, 2007 2:01 pm Subject: |
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Complaint is in.
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kimmy378
Joined: 25 Jan 2007
Posts: 31
Debtcc Points: 1036
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| Posted: Tue Jan 30, 2007 2:12 pm Subject: |
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get all their dba's blocked fast!
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texasconsumeractivist
Debt Samaritan
Joined: 23 Jan 2007
Posts: 680
Debtcc Points: 553
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