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 Posted: Fri Oct 27, 2006 6:55 am Subject: Confused about an email received from GFS |
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I just recieved the below email from GFS. I took the loan out in June of this year, since June I have paid $79.00 in fees to this company. My loan was originally $200.00 with a $79.00 fee. I have paid them $553.00. I replied back to them quoting Alabama law regarding payday loans and that they are in violation. I advised them to mark this account paid in full because I have paid well over the maximum amount. I am not paying them any more money. Am I wrong for this? Please help. 
| Quote: | THIS IS A DEMAND FOR PAYMENT
Loan Agreement Dated: 06/15/2006
You needed money urgently and we provided it as a short term facility based upon the information you gave us in your application. It was not intended to provide long term finance.
We want to work with you to find a mutually acceptable way of repaying this facility. However, to do this we do need to begin to communicate.
Please contact us in one of the following ways:-
• Call us on 1-877-280-2337 to discuss your arrears and arrange a new payment or
• Click on the link below and complete the attached proposal form setting out your proposals on how you intend paying off the overdue balance.
Click here to fill in the proposal form
If you are unwilling to make contact with us, your account will be passed to our Investigations Team so that we can check whether the information and references you provided in your original application were accurate and for recovery action to commence against you .
Please don’t stick your head in the sand and ignore this email – the problem is not going to go away. Contact us NOW and let’s try and sort it out. If you are prepared to work with us in good faith, we will try to work with you.
Yours sincerely
Nat Williams
Collections Officer |
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arj800
Joined: 09 Oct 2006
Posts: 82
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| Posted: Fri Oct 27, 2006 8:09 am Subject: |
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i would send Nat my laws again...... and file a complaint with your AG's office. and please dont send them no more $.
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TASHA_MOSELEY
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TASHA_MOSELEY
Joined: 16 Aug 2006
Posts: 416
Debtcc Points: 10831
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| Posted: Fri Oct 27, 2006 8:45 am Subject: |
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Thank you Tasha. I had told them that I paid them $553 already and they need to make my loan paid in full. I told them that I am not sending them no more money. By the way, I am originally from CA, San Diego to be exact.
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arj800
Joined: 09 Oct 2006
Posts: 82
Debtcc Points: 1745
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| Posted: Fri Oct 27, 2006 8:49 am Subject: |
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cool where are you know?
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IN DEBT, BUT STILL BLESSED...
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TASHA_MOSELEY
Joined: 16 Aug 2006
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| Posted: Fri Oct 27, 2006 8:50 am Subject: |
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Stand your ground with them.
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WHEREAMI
Joined: 26 Aug 2006
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| Posted: Fri Oct 27, 2006 9:24 am Subject: |
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I am in Montgomery, AL
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arj800
Joined: 09 Oct 2006
Posts: 82
Debtcc Points: 1745
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| Posted: Fri Oct 27, 2006 9:25 am Subject: |
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I refuse to pay them anything else. They have already gotten $553 out of me that is well over what I borrowed.
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arj800
Joined: 09 Oct 2006
Posts: 82
Debtcc Points: 1745
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| Posted: Fri Oct 27, 2006 9:33 am Subject: |
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Here is a template letter you may want to send from Pollyandsays blog at http://pollyandsay.yesdebtfree.org/template-letter/ you can read it and insert your info to fit what you need,good Luck!...Karen
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Bossy4455
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