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as I started mentioning things like:

- applicable Federal and state statutes, common law, and case law;
- the fact CTC is not licensed to lend in my state;
- the fact that wage assignments without a handwritten and in-person signature are illegal in Texas.
- how unethical it was of her to call my references and tell them of the "urgent need for her to get a hold of me" when I had left her a message literally 15 minutes earlier with my contact number
- my demand that she not call me at my place of employment because I cannot accept non-business calls.
- and my statement that I will not pay anything to CTC until I see a debt validation letter, or at the very least, something in writing itemizing the amount I owe and why I owe it, ie, something tantamount to a debt validation letter since CTC apparently does not have such letters.

OH MAN. Her way of handling this call after my comments was priceless.

A) She accused me of fraud for knowingly signing a wage revocation agreement in a state that would not honor it;

B) She accused me of setting out to default on the loan from the start because I knew they were not licensed in Texas.

C) She stated that she will continue to call my references. (Oddly she said that she will honor my request not to call my employer).

D) She stated that she is sending my account to Universal Something or Other in Texas for third-party collection and that they will "PURSUE LEGAL ACTION AGAINST ME."

E) She stated that people like me are "one in a million" and that the other 999,000 people she deals with treat her civilly." She then accused me of bullying her when I responded that "the other 999,999 -- yes Ms. Burton, if I'm one in a million the others are 999,999 not 999,900 like you just said -- must not now that there are federal and state laws that protect them from unfair debt collection tactics.

F) She told me they do not accept mail and will not send a debt validation letter.

G) She told me not to call her back just to harass her.

Posted: Wed Dec 13, 2006 2:14 pm Subject:

Looks like she admitted the violations that CTC has committed. I have a letter that has been successful in regards to them. PM me if you would like a templete.

Posted: Wed Dec 13, 2006 2:40 pm Subject:

This same Lisa had the nerve to ask me to give her an account # of one of my family member's or friend's so they could do the debits from it, b/c I closed the account that they have access too. That really took alot of nerve to ask me that Mad

zipranger · Posted: Wed Dec 13, 2006 3:14 pm Subject: for Tammy

Please send me a template of the letter in regards to CTC....email address removed as per forum rules - Mike
thanks for all the help

Posted: Wed Dec 13, 2006 6:47 pm Subject:

zipranger, please post your situation with CTC.

Posted: Wed Dec 13, 2006 6:54 pm Subject:

I really can't get over Lisa Burton's response to me today. It's sad that this bullying approach probably works on the overwhelming majority of Lisa's "clients." In dealing with PDLs, Lisa and Nick from FTR have been by far the biggest bullies of all.

Posted: Wed Dec 13, 2006 7:00 pm Subject:

I agree with you 100%!!

Posted: Wed Dec 13, 2006 7:04 pm Subject:

Anyone know if there is a specific third-party collection agent CTC, et. al. sends its accounts to? She claimed that since I'm in Texas they send it to a Texas company whose name starts with Universal.

Posted: Wed Dec 13, 2006 7:05 pm Subject:

I believe it might be Universal Fidelity.

Not to be nosy, but how long has your pdl been in default? Mine went in default on Oct 20.

Posted: Wed Dec 13, 2006 7:10 pm Subject:

I just don't get how these people can look down their noses at others and say these things, how do they sleep at night?

Posted: Wed Dec 13, 2006 7:16 pm Subject:

CTC has been in default only for about 4 weeks. All my other PDL defaults were prior to rehab and most have been taken care of. As stupid as it sounds, I actually used the CTC loan to pay-off two other loans.

I was able to get the loan because I had a bank account and 30-day statement that did not show all the other PDLs or NSFs from another account. And since I am receiving a pretty decent direct deposit check into that account, they approved me for $700, which was enough to pay-off two PDLs.

CTC and FTR will be the last people I pay-off because they are such blatant violators of the FDCPA. On the other hand, the guy who keeps calling me from Astro Lending just sounds clueless and incompetent. He's just like monotone "pay this off or we're sending it to a third party for legal action." Like he's just reading some script and could give two-thirds of a shit about his job or getting my money.

Posted: Wed Dec 13, 2006 7:18 pm Subject:

LOL. I actually asked Lisa Burton "how she sleeps at night" after she said she was going to continue calling my references.

I thought of another great thing she said. She told me she couldn't get a hold of me yesterday because my phone was disconnected, "I guess you didn't pay that bill either." Actually, I turn my cell off during the day because I can't use it at work. So it just goes straight to voicemail. Idiot can't even tell the difference.

Posted: Wed Dec 13, 2006 7:19 pm Subject:

Brownsugar, has your CTC/ECare loan been in default since 10/20? Have they sent you to a third party?

Posted: Wed Dec 13, 2006 7:24 pm Subject:

My loan is with Paydayavenue and they are part of CTC, Sonic, E-Care and whoever else. It has been in default since 10/20, and if they did send it to a third party collector, I haven't received anything yet. Lisa has only called me 2 or 3 times, and that last call was about a month ago.

Posted: Wed Dec 13, 2006 7:28 pm Subject:

I saw the following letter in another thread. Please tell me they did not send something like this to my employer. How embarrassing.

Cash Transfer Centers LTD
also dba
Northway Financial Services LTD
and E CARE CONTACT CENTERS LTD

I got the same run around from them.....

Posted: Wed Dec 13, 2006 7:33 pm Subject:

If a letter was sent to my employer, I'm not aware of it. My HR and Payroll dept hasn't said anything to me. Any legit employer should not respond to a letter like this. For all the employer knows, it could be a scam; a case of identity theft, etc.

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*Debt

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My conversation w/ Lisa Burton of CTC went downhill as soon

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