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Posted: Wed May 30, 2007 1:30 pm Subject: Phone Call From creditors

so i got my first phone call....yay, and the lady was like you setup to have the full amount come out on this date and it was returned for insf, cunds and i said yeah i know thats cause i closed my account and she started to say about what they were gonna do to me and i was like before you tell me how i am going to be arrested or blah blah blah just save ur breath cuse i will be sending in a payment next friday for what i legally owe since you know you guys are a illegal company and she was speechless and i was like dont worry about it u will get all my letters and dont call my work or me anymore you will get your money and thank you and have a nice day harrassing other people

Posted: Wed May 30, 2007 1:32 pm Subject:

yeah um cunds=funds stupid typos..sorry

Posted: Wed May 30, 2007 1:35 pm Subject:

Brittanie: If in fact, this is an illegal company, meaning not licensed to operate in your state or charging fees which are illegal, then I personally, would tell them to FUK off. Perhaps some on here will not agree with the ethics of that position, but how many times do we get screwed before we screw back? Thats my position and I'm sticking to it. Smile

Posted: Wed May 30, 2007 1:37 pm Subject:

I like ur position, and actually im not sure if they are illegal i just assumed they are lol its with nls cash advance, but at any rate they call again then i most deff. will quoting your wonderful words of wisdom lol

Posted: Wed May 30, 2007 2:45 pm Subject:

If Brittnie had gotten screwed by this company I'd be inclined to agree . . . . . But since this loan was recently taken out and nothing has been paid on it yet, the morally right thing to do is repay what you legally owe.

If we are going to go around ripping off these companies just because we can then we wouldn't be any better then they are . . . . .

Posted: Wed May 30, 2007 2:47 pm Subject:

and i am going to pay what i legally owe. i have every intention of paying what i borrowed and any legal fee. it would be wrong of me to just ignore it, that wouldnt make me any better then the payday loan company themselves!

Posted: Wed May 30, 2007 4:20 pm Subject:

Goudah, I say that due to her already being threatened with arrest, in the initial phone call, so that is why I took the position that I did. If they called, and did not violate federal laws, then I would suggest paying the legal amount.

Posted: Wed May 30, 2007 4:21 pm Subject:

I am against playing by the rules, if no one else will from the get go.

Posted: Wed May 30, 2007 4:25 pm Subject:

I think ANYONE who would call a single mother and tell her they are going to arrested and to " say goodbye to your kids cuz your going to jail" should not only be told FUF off, they should be told when where and exactly how painful i want it to be. I have not slept in 2day because of this crap, and now i know that i dont have to be abused, they will be lucky if they get what is owed after i deduct the amount 22.50 X's 8hrs, for the lost work, and for whatever 2 days without sleep would be worth. Sorry, ok im better

Posted: Wed May 30, 2007 4:30 pm Subject:

MTM: I am with you 100%. When someone confronts me with complete (disregard) for the law, then I will reciprocate the same. Screw me once, thats all folks. I wrote regard in the above comment, meant DISregard.

Posted: Wed May 30, 2007 4:59 pm Subject:

both raise valid points. I tend to agree with both..if a pdl operating legally or not, at least plays by a standard of decency then why not negotiate a win -win arrangement to resolve the debt in a busness like fashion. However, as Anthony says when they cross the line and make illegal threats then all bets can be off.. I think and perhaps this is a fractured morality that both ways can be ethical.. it just depends on the situation.