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 Posted: Fri Oct 26, 2007 7:08 am Subject: can these pdl contact employer |
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Just have a quick question can these companies contact your employer and have the money taken out of your paycheck to pay back these loans my other question is i listed my company but we were actually bought out by another company and they dont have that information. Should I contact my payroll and tell them the situation or should I wait to see if they do any wage assignments,
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jassande
Joined: 12 Oct 2007
Posts: 26
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| Posted: Fri Oct 26, 2007 7:57 am Subject: |
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yes they can and even though the company name has changed the address and phone numbers didn't. So I am sure they will still accept a fax or any mail with the former name on it. A wage assignment is vol. and can be revoked at any time. So all you have to do is send them a letter (cert. mail with return reciept requested) revoking the wage assignment and also give a copy to your payroll dept. and you will be ok.
If you need any help with your payday loans you can list who you have them through, how much you borrowed and how much you have paid back, if they are internet or storefront and what state you are in, we can try and help you through the payday loan cycle if you are up for a little work.
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puddlejmpr
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| Posted: Fri Oct 26, 2007 8:01 am Subject: |
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Jass, I remember when you first came to the site. We advised you at that point to send out letters revoking any wage assignments that you may have authorized.
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kashzan
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| Posted: Fri Oct 26, 2007 8:16 am Subject: |
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I have mailed out one theletters to an address i found. The other one i have emailed them and also the company that took overmy company has different phone and address in different state even i handle all calls and mail for my company. I will talk to payroll and advise them of my situation and not accept anything
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jassande
Joined: 12 Oct 2007
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| Posted: Fri Oct 26, 2007 8:37 am Subject: |
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What is CL Verify they said they would report me to them and that I would not be able to receive goods and services. Do you know what this means thanks:)
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jassande
Joined: 12 Oct 2007
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| Posted: Fri Oct 26, 2007 8:38 am Subject: |
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It really does not mean anything
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kashzan
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| Posted: Fri Oct 26, 2007 8:41 am Subject: |
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CL Verify is a reporting agency that complies reports from Chexsystems and SCAN. It's a report that only payday loan companies use, so the only thing that will come of it will that you get denied for more payday loans. Darn!
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goudah2424
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| Posted: Fri Oct 26, 2007 8:42 am Subject: |
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how do I get on that list. Oops I forgot, I already am
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kashzan
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| Posted: Fri Oct 26, 2007 8:51 am Subject: |
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Let me ask one more question if pdl have old address and phone number can they find out that new company took over and payroll is handled by someone else? I also spoke to payroll and she said if anything comes through she will notify me and let me know. Thanks they are starting to contact me now but they don't know me i will fight back I am a Queens girl with attitude. Thank you:)
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jassande
Joined: 12 Oct 2007
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| Posted: Fri Oct 26, 2007 8:11 pm Subject: reply |
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Okay, jass, you still work for the same company; however, they have been bought out by another company. Are YOU still in the same physical location? I mean, are you still working at the address you gave the pdls and is the telephone number where you work the same telephone number you gave the pdls? If the answer is "yes" you are still at the same address and still have the same telephone number, then yes, the pdls will try to contact you there. If you are saying that your company was bought out and their corporate address is different, it doesn't matter. If you are still at the same address with the same phone number, they know where you work. You're still there even if the company name changed. The physical location didn't.
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cannr
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| Posted: Sat Oct 27, 2007 6:57 am Subject: |
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That is right however they don't know the new company name and address where payroll is handled since it is different name different location and if they do mail me something for wage garnishment i am the one that picks up the mail and opens it so i can see it . They have already tried calling me already at work and i told them she doesn't work here anymore.
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Guest
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| Posted: Sat Oct 27, 2007 9:09 am Subject: reply |
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Okay. Great! So you're the one who receives the mail. At least you can intercept anything that comes in. However, you did send them letters revoking any wage assignments, right? And, since you get the phones, you're doing good by telling them "She no longer works here." Now, they'll probably hit your home/cell phone pretty hard, but at least you can prevent them from calling your workplace. But, did you send the letters revoking everything? Just to be on the extra safe side?
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cannr
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| Posted: Mon Nov 05, 2007 6:35 am Subject: |
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This is the email that I just received can someone shed a light on this and advise if I should pay these people i really only owe them 100.00 left not 300.00 they are trying to claim that i owe 300.00 when i only borrowed that amount and have paid back 210.00 which not sure if that went to principle or finance charge. Please advise. Thank you.
| Quote: | MTE FINANCIAL SERVICES
FAX: 866-668-0535
Email: compliancedepartment(at)mtefs.com
uuu
November 2, 2007
Jessica Assande
P.O. Box 61
Thompson Ridge, NY 10985
Email: jassande(at)tpiindustries.net
RE: Your Complaint
Ms. Assande,
We have received and reviewed your correspondence regarding your complaint with the company.
While the information that you have collected may apply to companies that have physical locations in your state, it is our opinion that it does not apply to our internet business model. This is based on sound advice from our legal department. In addition, the Legal Disclosures provided for customer reference at our website state the following:
Regardless of where you may be viewing or accessing this site, you as the borrower are responsible for complying with any local statutory obligations that may exist in your state or area with respect to this transaction. The Federal laws governing this consumer loan agreement may differ from the laws of the state where you reside. If you do not want to enter into a consumer loan agreement with us under our terms, then you should apply for a loan at a provider located in the state where you live.
The money was lent to you in good faith with the understanding that you would abide by the terms detailed in your loan contract. We upheld our end of the agreement by crediting the funds to your account in a timely manner. The Loan Note and Disclosure that you e-signed and thereby agreed to is very detailed and clear so as not to cause any confusion to the borrower, and meets all the Truth-In-Lending and Reg Z requirements as prescibed by Federal statute. We have attached a copy of your own contract for your review of the terms that you agreed to.
Upon review of your account history, you clearly knew all terms and conditions of your loan as you have been approved for loans in the past and have applied on many occasions for additional lending. We have all legal contracts you e-signed, which you agreed to terms and conditions of the loan.
Due to the fact that you have revoked authorization on our debits, no further debits will be made from your account.
Due to your long history with our company, and in the interest of good customer service, we have agreed to waive all finance charges currently due on your loan. We will expect complete payment of the principal amount owed.
The Lender will be prepared to provide you with the information necessary for repaying the $300.00 that remains due on your principal balance. Payment must be received by you in the form of a Cashier’s Check or Money Order payment. We expect this offer will bring us to an amicable resolution.
Please acknowledge your understanding and acceptance of our proposal if you are in agreement with the offer detailed above, and advise which payment method you will use. Once your acknowledgement/agreement is received, we will provide you with the information needed to make the payment. Once we have received this payment, we will mark your account "Paid in Full."
If your response is not received within seven (7) days of the date of our offer, the offer will become null and void and collection efforts will resume.
Thank you for your time and consideration in this matter.
Respectfully,
Compliance Department
CC/file
We are an electronic/internet company and all correspondence is handled via email and facsimile. Communication must be forwarded to the contact information provided above. Thank you for your cooperation in using ONLY these methods of communication. |
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| Posted: Mon Nov 05, 2007 6:53 am Subject: |
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Guest...this is a standard letter that MTE sends out when ever someone defaults...depending on the state you live in...if the ipdl is not licensed they usually have to follow your state law ...read your law or let us know what state you are in. Most likely you only owe the principle and whatever your state allowance is for fee's. But most illegal ipdls will make demands for much more...
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Morningstarr430
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| Posted: Mon Nov 05, 2007 6:58 am Subject: |
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Jass, (I am assuming you are guest) Morning is right and since you live in NY and pdl's are prohibilted there you need to stick to your guns and not pay them more than what you owe. Keep this for your records. I would respond this by replying to the e-mail with your pdl letter.
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RoxyNY
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| Posted: Mon Nov 05, 2007 7:02 am Subject: |
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ROFL I have recieved a few of those, and some one please correct me if I am wrong, but Mte is not even licensed anywhere in the U.S. which makes them an illegal loan company, and most states require that the company, even IPDL's at least be licensed if not in there state in some state somewhere.
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