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Posted: Thu Mar 01, 2007 12:53 pm Subject: How do I respond to this email?

Ok, so I wrote payday-loan-yes telling basically telling them that I wanted to pay the $45.00 balance that I have with them (not the $355.00 they say I owe) and that they won't be able to withdraw from my bank account any longer. Also told them after I sent the the $45.00 that I wanted to have my account marked PIF. The following is the response I received from them.

Posted: Thu Mar 01, 2007 12:59 pm Subject:

That is a common response. Depending on the laws of your state I'd get the AG involved. They can help direct you on what to do next.

I would respond to the letter stating that you know what you've paid, that wasn't what you were writing about. I'd include you original letter and say that you are requesting a response to whatever points you made in the letter. They are just trying to give you the run around.

Posted: Thu Mar 01, 2007 2:28 pm Subject:

In your response, write them that you already know how much you have paid so far and you are aware of the laws in your state. As per the latest standing of your account, you are sending the outstanding balance of $45.00 and want to get your account marked "PIF". Send a copy to your state AG.

Posted: Thu Mar 01, 2007 3:31 pm Subject:

Thanks I appreciate the advice! I sent another email off, told them I already knew how much I paid and by law how much I owed, also enclosed a copy of the first email I sent to them. And basically said if what I was offering wasn't good enough then the next time they heard from someone in Arkansas it would be the Attorney General's office. Hope that wasn't a bit too much to say to them.

Posted: Thu Mar 01, 2007 4:07 pm Subject:

You said nothing wrong. And payday-loan-yes can't escape the laws followed in your state. Have you checked if they are licensed in your state? If they are not a licensed business, it will be hard for them to make extra money and you will have a legal back up.

Posted: Thu Mar 01, 2007 4:09 pm Subject:

Just always be careful how you word things. You don't want to sound like if they don't mark you pif that you will turn them in. That is extortion.

Posted: Thu Mar 01, 2007 4:16 pm Subject:

What's wrong if you sound pushy? The company is violating the laws and they need to act within their lines. If you are aware of your rights, why not use it to the best? What can be the bad consequences if you are sounding hard?

Posted: Thu Mar 01, 2007 4:21 pm Subject:

mute805 - the problem with sounding harsh in your e-mail - i.e., making threats to report them to the state authorities, etc., if they don't mark you paid in full, is that they can turn the tables on you and claim you are attempting extortion.

There's nothing wrong with exercising your rights, but you need to be careful how you word your response to them to avoid them throwing it back at you and causing you more trouble than you already have.

Posted: Thu Mar 01, 2007 4:38 pm Subject:

hmm... I agree what you are saying. There is a risk you want to avert right from the beginning, and don't let it fall on you.

But I know it's hard for a person like me. I will lose my temper in a situation like this and after knowing that I am doing right. But you also show me a very important point. And I have to drink to this.

Posted: Thu Mar 01, 2007 4:44 pm Subject:

Well God, now I'm worried. I didn't mean for it to sound like extortion, just wanted to make a point that I felt like I was being given no other avenue if they couldn't or wouldn't except what I was offering.

Posted: Thu Mar 01, 2007 5:00 pm Subject:

Okay get this, the email that I just sent off to these people has been returned. You don't think they blocked my email address do you?

Posted: Thu Mar 01, 2007 5:22 pm Subject:

sandysbox
I dealt with this company, They tried the balance thing with me. Saying that I owed $540, they offered to settle for $300 and I told them know, according to Pa law, I only owed them $65 (after I figured how much I paid them) They settled for the $65. You have to call them to get any kind of negotiation and agreement from them. They gave in pretty easy compared to some.
BUT before you call
1. Know how much you borrowed
2. How much you paid
3. Calculate what you should have paid according to your state law
4. Make sure that you let them know this amount is according to your state law and that is what you agree to pay.
5. Don't be harsh but stand firm. Hopefully, you will get the same result I did. But have all this information in front of you when you call.

Posted: Thu Mar 01, 2007 5:24 pm Subject:

Oh yeah,
Forgot this part they told me I could never borrow from them again. I cried all night, lol.

BoB Gordon · Posted: Thu Mar 01, 2007 7:23 pm Subject:

"You don't think they blocked my email address do you? "

It is possible or more likely they use a program like Mail Washer that lets them view the email before downloading it. They can either accept it or reject back to the sender.

What was the return error message?

Posted: Fri Mar 02, 2007 10:31 am Subject:

Well, me second email did finally go through, and of course got a about the same response from them. Now, my question is would it be considered extortion if I simply sent them one more email telling them that I have now filed a complaint and that the matter will be handled that way, or should I just file the complaint and not worry about letting them know?

Posted: Fri Mar 02, 2007 10:37 am Subject:

You can tell them you are filing a complaint. It could only be considered extortion if you told them if you don't do what I want, I'm going to turn you in to the ag. Just informing them of what you plan to do is not extortion. You are safe on that one.

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