Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #1 Emerald Marketing Group - are we done yet?
Replied on 08-20-2007, 04:13 PM
Reply With Quote

Below is a copy of the settlement letter I received today from Emerald Marketing Group as a result of complaints I'd filed with the BBB and State Attorney General's office.

Quote:
Dear (name withheld for privacy):

This law firm has been retained to represent Emerald Marketing Group with regard to the complaints that you have filed regarding your loan with the company. In reviewing your e-mail communications with the company, it appears that you are making a claim against Emerald Marketing in the amount of $877.00.

Although I have not reviewed the transaction documents, Emerald Marketing advises that the transaction documents for your loan contain a choice of law provision that stipulates that the transaction is subject to Nevada law. Accordingly, notwithstanding the fact that you reside in North Carolina, it is Emerald Marketing’s position that this transaction is subject to the laws of the state of Nevada.

Nevertheless, considering the small amount of money which you are claiming, I believe it will be most cost effective for everyone involved to resolve this dispute at the present time. Accordingly, Emerald Marketing will agree to pay to you the sum of $877.00 if you will agree to execute a confidential general release of all claims against Emerald Marketing, including dismissal of the complaints that you have filed with the State of North Carolina and the State Better Business Bureau. If this is agreeable, please let me know immediately and I will have a release sent to you. Once you have signed the Release and sent it back to me, I will have the company mail you a check.

Please let me know your position at your earliest convenience.

Very truly yours,
Dictated but not proofread.
Sent in Mr. Mullen’s absence to avoid delay.
JOHN L. MULLEN
jmullen(at)fsmlawfirm.com
JLM/rlk
Following is my response to their letter:

Quote:
I have read the attached correspondence from John Mullen of FSM Law Firm. In the letter he claims that...
"Emerald Marketing advises that the transaction documents for your loan contain a choice of law provision that stipulates that the transaction is subject to Nevada law. Accordingly, notwithstanding the fact that you reside in North Carolina, it is Emerald Marketing's position that this transaction is subject to the laws of the state of Nevada."

Per the State Attorney General's office, it is a fact that regardless of where you are located, according to NC law Emerald Marketing is not authorized to operate in the state of NC.

However, it is my desire to resolve this dispute amicably and quickly. John Mullen also presented:
"Emerald Marketing will agree to pay you the sum of $877.00 if you will agree to execute a confidential general release of all claims against Emerald Marketing, including dismissal of the complaints that you have filed with the State of North Carolina and the State Better Business Bureau."

I hereby accept the above offer, contingent upon the following: no complaints will be released until a payment in the full amount of $877.00 has been received along with a letter clearly stating that my account has been PAID IN FULL. Upon receipt of payment and the paid-in-full letter, I shall then execute a confidential general release of all claims against Emerald Marketing, including dismissal of the complaints that I've filed with the State of NC and the BBB.

Please let me know your position at your earliest convenience.

Regards,

(name withheld for privacy)

It's really starting to heat up now




Posts: 9,291
Credits: 128,761


Send message to cannr
Sub: #2 rain
Replied on 08-20-2007, 04:17 PM
Reply With Quote

rain, OMG! You go! You are awesome! Excellent response. Good action. This is great! This, to me, is a "sucess story"! Good for you!

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #3
Replied on 08-20-2007, 04:28 PM
Reply With Quote

Thanks cannr!! I have received a few Paid-In-Full statuses before, but none of the PDLs have offered to refund the amount that I requested. This is certainly a success story!

I'm so glad this online debt community exists...it gave me (and continues to give) the know how and courage to stand up to these PDL bullies. I hope this post encourages everyone who reads it. When fighting these crooks, it's important to remember that miracles happen everyday and YES YOU CAN GET OUT FROM UNDER THIS PDL MESS!!



Posts: 9,291
Credits: 128,761


Send message to cannr
Sub: #4 rain
Replied on 08-20-2007, 04:44 PM
Reply With Quote

AMEN, rain! You are awesome! And this site is awesome! Hell, we're all awesome!

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #5
Replied on 08-20-2007, 04:46 PM
Reply With Quote

Yes, AMEN indeed! There is no disputing the awesomeness of this site and its users...WE ROCK! Here's to taking our lives back!!

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #6
Replied on 08-21-2007, 07:27 AM
Reply With Quote

I do believe the most amazing thing of all is that I've only been pursuing this since August 1, 2007. I never in a million years expected such a quick response in my favor!



Posts: 9,291
Credits: 128,761


Send message to cannr
Sub: #7 rain
Replied on 08-21-2007, 08:23 AM
Reply With Quote

rain, sometimes some pld's act quickly and it's "yahoo" time! But others take their sweet time or fight the whole way down. In the beginning, I was getting PIF's and refunds. I was dealing with the "easy" ones first. Then I started on the "hard" ones. Guess what? We're STILL going around and around! LOL!

Posts: 1,219
Credits: 15,046


Send message to eleroo
Sub: #8
Replied on 08-21-2007, 08:26 AM
Reply With Quote

This is great! Congratulations.

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #9
Replied on 08-21-2007, 08:41 AM
Reply With Quote

You're absolutely right cannr. Actually, there are only 3 PDLs that I even care about getting a refund from (totaling nearly $2400), though ALL of them owe me one. That money could certainly come in handy...but I'm not holding my breath. I just consider it a HUGE bonus if I get money back at all. I have a long fight ahead of me, I'm sure.

How's your fight going cannr? Have you settled with nearly everyone?

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #10
Replied on 08-21-2007, 08:41 AM
Reply With Quote

Thanks eleroo!



Posts: 9,291
Credits: 128,761


Send message to cannr
Sub: #11 rain
Replied on 08-21-2007, 09:15 AM
Reply With Quote

It's going okay. It's a hell of a lot better than when I started! LOL! But, that wouldn't take much! I've still got my 3 MTE's that I refuse to settle with. I've still got 2 overseas illegal ones (which basically just don't exsit). Eastside Lenders has disappeared since I asked them their license number they are operating under and turned them over to the state AG. Cash Borrower has disappeared since being turned over to the state AG. But, I'm waiting. They wait and jump back up. Just like USFastCash. Nothing for over two months, then there they are at my bank again! When they get quiet is when I start to get antsy. I know something's up.


Moderator

Posts: 1,630
Credits: 6,684


Send message to puddlejmpr
Sub: #12
Replied on 08-21-2007, 09:30 AM
Reply With Quote

Way to go Rain!!!! I wish i could have gotten refunds from mine. But the only ones I overpaid were the storefronts not the internet. But way to go and keep up the fight!!!

I like how you stated
Quote:
Here's to taking our lives back!!
It's sad how they run our lives when we get stuck in the pdl cycle. That should be our motto, taking our lives back!!! Because that is what we are doing.
Great job!!!!

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #13
Replied on 08-21-2007, 09:40 AM
Reply With Quote

Keep holding out cannr...don't give in until you reach an agreement you feel comfortable with.

Personally, I bug the hell out of each of my PDLs daily. I don't want them to think that for one second I'm going to let them off the hook. It is my mission to try and replicate some of the annoyance they've put me through and I take great joy in it.

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #14
Replied on 08-21-2007, 09:41 AM
Reply With Quote

Thanks puddlejmpr! Taking our lives back is exactly what we're doing! I don't know about you, but I'm mad as hell and I'm not going to take it anymore!!



Posts: 9,291
Credits: 128,761


Send message to cannr
Sub: #15 rain
Replied on 08-21-2007, 09:46 AM
Reply With Quote

Oh, believe me, rain. I love to harrass my pdl's. For awhile it was on a daily basis. I've slacked up some, but now that USFastCash has pulled a "fast one", I'm ready to go again! Jerks.

Posts: 46
Credits: 1,815


Send message to rainjo03
Sub: #16
Replied on 08-21-2007, 09:53 AM
Reply With Quote

Well, know that we're all behind you here and offer you any emotional support you may need. I really bugs me when people just can't be decent.




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump



All times are GMT -8. The time now is 08:45 AM.





* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
Page loaded in 0.056 seconds.