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Posted: Wed Feb 21, 2007 12:48 pm Subject: GFSIL Keep harrassing me

How do I make these people go away? They are harrassing me at work and calling my boss. In December I took out a $200 loan for which they wanted $80 in interest. I then discovered this forum and that they (I live in CA) were only legally entitled to $30 interest. I paid them $230. They weren't happy about that. On Jan 7th I received an email from their collections department saying they wanted more money. I emailed them saying I had paid them. Now today they are calling me and my boss saying I owe them $500!! "Chris" told me that if I paid $150 they would mark my account closed. He then said I could pay $125~!
What do I do to get these people off my back. I've told them I've filed complaints with the AG, that they aren't legal in CA etc etc.

I can't have them calling my boss at work! I'm back to feeling sick Sad

Posted: Wed Feb 21, 2007 12:52 pm Subject:

First tell your boss to tell them to stop calling your place of employment. THEY HAVE TO. Then send them a letter (I am sure that someone in here can direct you to a form letter that will work) tell them what the law is in your state and to stop contacting you by phone.. Good Luck

Posted: Wed Feb 21, 2007 1:04 pm Subject:

I sent them a letter back in Dec when I paid them the $230. They still won't let it go !

Posted: Wed Feb 21, 2007 1:19 pm Subject:

They are one of the hardest companies to deal with . . . . Unfortunatly they don't care much for laws . . . . Their goal is to harrass you into paying them money that you dont' legally owe, and that they have no legal recourse to collect.

Posted: Wed Feb 21, 2007 1:38 pm Subject:

Did you send them a cease and desist letter? If not respond to their e-mail with a cease and desist letter. Tell them that you will only communicate with them through e-mail or the USPO. Tell them that you need them to do this so that you have proof of their contact with you, and if they continue to call you at work and call your boss, that you will have to look into what type of legal recourse that you have. Also make sure that you report them to the FTC, the BBB and your AG.

Posted: Wed Feb 21, 2007 2:00 pm Subject:

This is the original creditor, so a cease and desist letter won't apply to them, they won't have to follow your request. They will however have to abide by your request to stop calling your place of employment but you need to put that in writing and verbalize this to them when and if they contact your work again.

Posted: Wed Feb 21, 2007 2:07 pm Subject:

Do I have any legal recourse? I thought as they weren't a collection agency that they could do what they wanted???

Posted: Wed Feb 21, 2007 2:19 pm Subject:

There is always legal recourse.Since they are orginal creditor,you would need to look at state laws and codes related to collecting in house debt & harassment.My first stop would be a fully documented complaint to the attorney general.Once ag finds out that their interest is illegal and they are abusing customers,they should start their own investigation and get this taken care of.In complaint send copies of anything you have related to the business relatonship you have with them.(emails,loan docs,receipts,bank statements with personal info removed)

Posted: Wed Feb 21, 2007 3:22 pm Subject:

I have posted on them before. You will find a lot of information on what a scam that company is by searching them here. I defaulted on a loan with the in October and it took until late December for them to quit calling. All I can say is to try and wait it out. They will not stop no matter what you do. I sent letters to the BBB, had an attorney send them letters and had my boss telll them not to call.

Posted: Wed Feb 21, 2007 3:38 pm Subject:

when I hadn't heard from them since Jan 7 I thought they had gone away .......specially since I PAID them what I LEGALLY owed them. Funny how now they say I owed them $500 (on a 200 loan ) These people are the absolute WORST

Posted: Wed Feb 21, 2007 3:51 pm Subject:

I agree. I went around and around with them everyday. Sometimes 3 and 4 times a day. Just stand your ground and be tough. They tried the same thing with me. My original loan was $200 and I had paid over $1000. Do a search for them. I posted most of what was said between us while it was going on.

Posted: Sat Feb 24, 2007 6:20 pm Subject:

i sent them a cease and disist letter and they stop calling..

Guest · Posted: Sat Feb 24, 2007 9:47 pm Subject:

perry what did you say in the cease and desist letter and had you paid them off???

Posted: Sun Feb 25, 2007 8:33 am Subject:

Definately report them for violation of fair debt collection law to the attorney general in your state and file a complaint with the FTC also, you can do all of this online, they will contact the company about this matter. Make sure you put the account number in the complaint so that when they call GSFIL they can't act ignorant to your account. I had a loan, paid them off and now they call me trying to get me to take another. I am about payday loan free and plan to stay that way, working on 4, got a payment plan with each and on my way out of this mess.

Posted: Sun Feb 25, 2007 8:55 am Subject: laverne

now what to say these people are calling me too at work i just say she no longer work here, so i will see of they will stop, i got a 200 dollar loan which i paid 89 dollars for a long time, they just let you do this till you are satified, i know i paid them at least 1000 dollars i would like to have a refund but dont know how to go by getting this, so just leave me along if i cant get an refumd;so what is a cease and desist letter. i would like to know what can they do they have no writing documents not even signed ones from the inernet.