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Posted: Tue Jan 16, 2007 6:34 pm Subject: Web Payday- National Credit adjusters

Has anyone heard of Web Payday. I got a collection letter from National Credit Adjusters and not sure what payday loan is associated with Web Payday

Posted: Tue Jan 16, 2007 6:40 pm Subject:

Welcome!

If you took out a payday loan, was it being paid back through your bank account? If so, you should be able to go back through your bank statements and find the name of the company you took the loan out with.

Also, if you request verification of the debt from the collection agency, they should provide you the name of the original creditor.

Posted: Tue Jan 16, 2007 7:55 pm Subject:

We closed that bank account in Jan 06 and have no info on who the payday loans we're thru. I called National Credit Adjusters tonight to see who Web Payday is and they couldn't say who they were, just that they put 390 in my old account. Now National Credit Adjusters is trying to collect 645. He said that they hit my account 5 times for 90 and then 390 and that is when the bank account was closed.I told the National Credit Adjusters that I paid that back and more and that they wouldn't receive a dime from me. They say that this can go on my credit report. Is this true? I thought they only reported to teletrack? How do I go about fighting this with no info from the old account. I can't go to the old account because we closed it when the ipdl's kept taking more and more money. By the way the loans we're taken out in Arizona but then we moved to Texas where we closed the bank account. Now what do I do?

Posted: Tue Jan 16, 2007 8:14 pm Subject:

Here is another thread I found on this site regarding National Credit Adjusters - apparently they're not easy to deal with:

http://www.debtconsolidationcare.com/forums/nationalcreditadjusters.ht ml

That thread contains an address and contact info for National Credit Adjusters - I would recommend sending a cease and desist letter, and filing a complaint with your state's Attorney General or the Department of Financial Institutions - whoever regulates payday lenders in that state. (Obviously, this would be in Arizona, where you lived and took the loan out.) Here's the payday lending law in Arizona, and where to file your complaint:

Posted: Tue Jan 16, 2007 8:27 pm Subject:

I have another dilemma as well. I paid a company here in Dallas/Ftworth to help me restore my credit. Anyways, my question is should I send these guys a DV as well as C&D or should I let this go to the company that is cleaning my credit up. Not sure because I don't really think they will hit my CR. Who knows, I have read that these gys are something else though. I appreciate the help. I love coming here and getting armed with all the info that is on here.

Posted: Tue Jan 16, 2007 8:35 pm Subject:

swank -

I think I'd do the cease and desist letter, but not the debt validation. They are not likely to respond to either one, but they definitely aren't going to respond to a debt validation letter, from what I've seen about them already.

If they wouldn't tell you over the phone who the original creditor (payday lender) was, then chances are, they won't validate the debt in writing. Most payday lenders won't, because to do so would be to put their information in writing, which they hate to do. Smile

(This refers only to unlicensed paday lenders, such as most of the ones found on the internet. Most of the storefront lenders are licensed and follow the law.) If they are unlicensed, they won't put anything in writing. That might be something you should ask them if they call again - ask for something in writing. I'll bet they won't give it to you.

I'm not a credit expert, and I know there are others on this site who have more info on this - please keep an eye on this thread and I'm sure over the course of the next couple of days, more members will respond with additional info for you.

Posted: Tue Jan 16, 2007 8:56 pm Subject:

They did send a form letter saying I owed $645 and it was from Web Payday. Then they couldn't tell me which ipdl it was. I won't pay them a dime (1. they took more than they are legally allowed to do (2 they can't tell which me which ipdl I owe. Again, thanks for the help

RhondaM0626 · Posted: Mon May 14, 2007 2:41 pm Subject: threatening calls

HELP! I live in texas and took out a couple of payday loans that I cant pay and now one of them is calling my boss saying he is with a lawfirm and giving my info and telling them they are filing an internet fraud suit against me and that my boss is going to be required to go to court... is this right? I thought it sounded funny so I called the number my boss gave me and it said he was a collections mgr with that payday company. Can you give me a link to what th texas laws are regarding payday loans? thanks!

Posted: Mon May 14, 2007 3:57 pm Subject:

I'm dealing with NCA and so far they havent given me anything in writing that I owe...

hidi · Posted: Thu Nov 08, 2007 5:04 pm Subject: web payday

I know who this company is

misty · Posted: Fri Feb 08, 2008 2:51 pm Subject: national credit adjusters

they keep telling me I owe money to a company i haven't heard of "nieva" has anyone heard of this company.

k from tx · Posted: Mon Mar 24, 2008 1:00 pm Subject: xtra cash

i received a letter from NCA (National Credit Adjusters) claiming I had a pay day loan in May2003. It is possible but i do not recall. he also said my debt was for $390. Is this a hoax?

Hottwotouch532 · Posted: Thu Jun 19, 2008 5:21 am Subject: National Credit Adjusters

Hi I just got a letter from National Credit Adjusters stating I owed a payday loan I never took out. First of all you need a checking account. I don't have a checking account. Please If anyone can help please let me know.

Posted: Thu Jun 19, 2008 9:05 am Subject:

Don't send emails to people you do not know.
Especially sensitive information. Not only can you get ripped off, but you will get spammed by those that get your email address.

jodey · Posted: Mon Jun 23, 2008 8:38 pm Subject: What is this webpay thing

I looked on my credit report and this national credit adjuster is on my report for some laon with no way of me contacting them...i dont recall doing a loan on the wb or where ever...as a matter of fact i never took out a loan on webpay...what can i do to resolve this issue... Confused

:

rhthomas · Posted: Wed Jul 09, 2008 10:14 am Subject: quick payday

did your company collect on a company called quick payday and check n go i needed to find out beccause your co took 300 out of my account to pay this off on 7/01/2008 if so send me your phone number so i can contact you. thanks mr robert thomas my email is rkthomas-34@comcast.net let me know asap

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