Call back from AIP

Also, if anyone else has had a similar experience with AIP I'd appreciate their input. . . . .

Ok...call right back and ask to speak with Michael. If she asks for your ss# to pull up your acct, tell her no, that you need to speak with Michael. Just be consistent and don't tell her anything...

I've called for Michael like 8 times . . . All I get is his voicemail. I left a message and she's the one calling me back. One thing she said is that she's the one handling my account, and that I needed to talk to her, which made me think my message was sent to her from Michael . . .

So Amber told me repeatedly that they are a member of the BBB and I should check them out there.
Here is the BBB's report on AIP:

AIP
2207 Concord Pike
Wilmington, DE 19803

[quote]The BBB reports on members and non-members. If a company is a member of the BBB, it is stated in this report.

File Open Date: 06/24/05
Phone Number: 800-274-4159
Membership Status: This company is not a BBB member
Type of Business: Loans

CUSTOMER EXPERIENCE

Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered complaint(s).

Complaints against this business concern Refund or Exchange Issues and Service Issues.

When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.

The Bureau processed a total of 4 complaints about this company since the firm's BBB file was opened in June of 2005. Of the total 4 complaints since the firm's BBB file was opened in June of 2005, 2 of those were closed in the last 12 months.

Complaints Concerned
Service Issues: 2
Outcome of all complaints -
Resolved: 1; No Response: 1

Refund or Exchange Issues: 2
Outcome of all complaints -
Resolved: 1; |[Company resolved the complaint issues.
The consumer failed to acknowledged acceptance to the BBB.]|
No Response: 1

ADDITIONAL FILE INFORMATION

Certified mail receipt was signed and returned on June 19, 2006.

REPORT DATE: 11/14/2006

COPYRIGHT DATE: 2006 BBB of Delaware

The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.[/quote]

Ok..That should tell you something. They are just as bad as the others...I don't understand why she is calling you back. Could you get someone else to call and ask for him??

Not really, I'd rather my friends don't know about the payday loans I took out . . . I'm just going to see what their "Controller" has to say tomorrow. Hopefully when confronted with the laws and the fact that they will be fined $2500 for doing payday loans in oregon without a license they will decide that going after me for a few hundred dollars isn't cost effective . . . .

I just can't believe that she kept telling me to look at their BBB report as proof that they are legit!

I totally understand what you are saying. I am just in suspense who their controller is, maybe "Michael or Amber"?? HA, HA...I hope that you get this worked out and if there is anything else I can help you with, please let me know..

Yeah, that's what I was thinking would happen, if I get a call at all . . . . Every question I asked her she put me on hold and asked someone else how to answer . . . . They don't train their people very well . . .

Yea, I also spoke with some pretty ignorant ppl there until they barged companies and then they got better. I don't think that I ever spoke with Amber. I spoke with 2 or 3 ppl and then when I called back, the response was they no longer work here, I an handling your acct. I finally got someone with some sense (Michael). But by the way it sounds, he has already learned their skills. Good luck in the a.m., let me know who the "Controller" was ...

I will . . . . If they call. But if I don't recieve a call back by lunch time I will call them again.

Good luck..

Goudah, You have the law on your side. Don't listen to what this company says. They DO have to abide by the laws the consumer lives in. If they are not licensed in your state, that gives you a lot of clout.

Go to this site for another thread on this company:

www.debtconsolidationcare.com/settlement/about17483.html

Good luck to you.

Thanks for clarifying that, I was pretty sure that they had to go by the laws in the state of the consumer..

Yes, natdust, they do, regardless of what they tell you.

Yea, I was lucky with the ppl. They called me and said that they no longer offered loans in my state, so it was paid in full. I am still looking for the number to call back regarding my PIF letter..

I've got about 30 pages of print outs regarding the laws governing oregon pdl's and federal precendents, etc . . . Just waiting now for the call back, if it happens. I will call them back in about 4 hours if I don't hear from them . . . . Now I'm kinda looking forward to talking to the controller. BTW, since Amber was kind enough to direct me to their BBB listing, I filed a complaint while I was at the site. The EFTA prohibits anyone to "require" repayment by means of preauthorized electronic funds transfer.

God job, I knew you would stand your ground..

The phone numbers I have for them are 1-800-274-4159, and then a 1-302-793-2120.

The one that I used is the 1-800-274-4159. I am one the phone with them as we speak trying to get my settlement letter...And got Michaels voicemail. We will see who calls back..

The 800 number is the one I call too, but when someone calls me back it shows up as the 302 number . . . .

The same here, I am on hold now..

When I talked to Amber yesterday I was put on hold every 2 minutes . . . . I'm really hoping that once/if they actually call me back today I'll get my laon marked PIF too. Since I know they have done it for you I'm not going to back down.

Remember that PDL are illegal in NC, where I live..I think that was the only reason they marked mine PIF..

But not having a license makes them illegal in oregon where I live . . . . they are facing a $2,500 fine here, which is much more than I owe them (so they say).

Did you get to talk to someone about your PIF letter?

i actually got a call back from MICHAEL..He said that since I didn't pay off my loan (they closed it because of state laws) that he wouldn't be able to send me one..

I'd tell them you want a letter saying that they consider your account closed and will not proceed with further collection activities, and will not adversly affect your credit reports in any way, etc . . . .

I tried that and then they proceeded to say that it is marked in full here, and there is no way that it can come back up..

Hmmm . . . . I don't know what to say. I'd think they could at least write a letter saying the account is marked paid in full, and that you have no further obligation to them. Do you have anything to threaten them with? Did they make the loan to you while loans were illegal? Or did the law come into effect during your loan?

NO, as far as I know, or at least the laws say, payday loans sunset in 2001. So I guess that means they have been illegal since then??

Right, I'd use that as leverage . . . . Tell them you will be filing complaints with the AG's office if they don't provide you with proof your loan is paid in full. Obviously, if they marked you pif because they're illegal in NC, they know they are in the wrong and should give in.

That is true. I will be calling back later, and try again. I think that maybe if I had their email, I could email them a letter.

I don't have their email either . . . . I don't know if they have one. They don't even have a website that I know about . . . . I filled out something online and they called me and did the loan over the phone.

Same here. So really all I have is their phone number..

Their address is:

AIP
2207 Concord Pike
Wilmington, DE 19803

Ok..would you send a settlement letter there too??

Yes, I would. That is their address with the BBB. I just called them to see when their "controller" would be calling me. Amber sent me to Jackie's voicemail and told me to leave my name and number, which I did. For your info, the "controller's" ext is 300.

Ok..thank. Maybe I should call her then..

I'm still waiting on my call back from her . . . . I just know that the voicemail is for Jackie, and Amber told me that was the controller, but I'm not sure if it is or just someone pretending to be.

I called back and tried the ext. 300, and it just transferred back to the recording.

Big surprise, Amber lied to me! She told me ext 300 was for the controller, but she's the one that transferred me to Jackie, I didn't put the extentsion number in. And I never got a call back . . . . I'm going to try again today.

It seems like this company is trying to give you the run around. I would keep after them. One PDL I was dealing with tried to fake me out when I tried to ask for a supervisor. The person puts me on hold and comes back with a terrible accents. I started laughing so hard he could not continue and hung up the phone

These ppl are bozos too. They just want to fool around and take you money just like the others..

Yeah, I never recieved a call back, and I've repeatedly called them back and every time I get told the same thing . . . . The "contoller" will call you back shortly.

They are morons and I wouldn't be afraid to tell them that. I would suggest that you just keep calling multiple times a day and leaving a message on Michael's voicemail @ ext. 123..The only thing he can do is either call back or have someone else do the dirty work..

Ext 300 does go to Jackie, and she did say she was the controller. She's marked my loan PIF, even though she says I've only paid $89, not the $267 I say I've paid. I'm so happy right now!!!