Emerald Marketing is taking money from my account. How to stop them?
Date: Tue, 01/02/2007 - 08:11
so guys this is the real story...2 make it a short one here we g
so guys this is the real story...2 make it a short one here we go...i took out a loan with Emerald for $300 with a $90 finance fee. After a few weeks of not being ablet to pay it back, the finance fee was taken out every two weeks until in december when i couldnt even afford the finance fee no longer. I made sure to close my checking account so they wouldnt get any more money...(IT IS IMPORTANT TO CLOSE OUT ANY ACCOUNTS THEY MAY HAVE FOR YOU ON FILE,,,IF YOU DON'T YOUR MONEY WILL NEVER BE YOURS!!!)
My loan defaulted and i was receiving calls from the so called cooperate office for EMG. They told me that my balance was now $585 dollars and that if i did not pay it then they would get to my employer and get a judgement in order to garnish my wages...I was scared because i never experienced this before and i dont know if they were really allowed to do things like this..i did not want to deal with the harrassment from them calling my job or trying to garnish my wages...i still refuse to pay the $585 because i felt that the $390 would be better being that it included the finance fee and the principle loan amount of $300. Some women named Stephanie Myers or Mrs Rice tried very hard to get me to pay the $585, when i didn't she handed my case over to her supervisor who is named Marsh Sousley. She called me and told me the samething about getting a judgement against my wages...After a week or so, i guess they just got fed up with me and offered me to pay the original loan amount including finance fee which equals to $390. I was happy. I used a credit card so this way, if they tried to take out any additional fees, it could be disputed by my bank. My point is that i almost payed $200 extra dollars for nothing. I feel that i got a fair chance with them because i did not make payments on the account for almost 2 months and that is really getting my loan's worth. These people are not so bad if u keep bothering them the way they bother u...just keep asking for a settlement that you can afford and screen all calls. If you ever take out another payday loan, try not to give them your real work number or address...that way they cant harass you at work. It's best to pay back money borrowed because if they are fraudelent and they cant get their money, your personal info might be at risk especially since they know almost everything about your ss# and your drivers license including address and other info. Another thing to do is before you make a payment, let them send you a settlement letter via email so you have a copy for yourself just incase you do not get a receipt from them..once you pay them what you can afford, as long as both you and EMG agreed on an amount, they cant try to say u owe them cause youll have that settlement letter. I will not borrow from them again because now i've learned my lesson. Unlike a lot of other people, i consider myself one of the lucky ones that did not have to pay such outrageous interest fees. I kept calling them with the same amount and they finally gave in..GOOD LUCK TO ALL WHO ARE STILL STRUGGLING WITH THIS PAYDAY CO. if you need any other info,,,please feel free to post and i will check continously.
Quote:Originally Posted by Anonymousso guys this is the real sto
Quote:
Originally Posted by Anonymous so guys this is the real story...2 make it a short one here we go...i took out a loan with Emerald for $300 with a $90 finance fee. After a few weeks of not being ablet to pay it back, the finance fee was taken out every two weeks until in december when i couldnt even afford the finance fee no longer. I made sure to close my checking account so they wouldnt get any more money...(IT IS IMPORTANT TO CLOSE OUT ANY ACCOUNTS THEY MAY HAVE FOR YOU ON FILE,,,IF YOU DON'T YOUR MONEY WILL NEVER BE YOURS!!!) My loan defaulted and i was receiving calls from the so called cooperate office for EMG. They told me that my balance was now $585 dollars and that if i did not pay it then they would get to my employer and get a judgement in order to garnish my wages...I was scared because i never experienced this before and i dont know if they were really allowed to do things like this..i did not want to deal with the harrassment from them calling my job or trying to garnish my wages...i still refuse to pay the $585 because i felt that the $390 would be better being that it included the finance fee and the principle loan amount of $300. Some women named Stephanie Myers or Mrs Rice tried very hard to get me to pay the $585, when i didn't she handed my case over to her supervisor who is named Marsh Sousley. She called me and told me the samething about getting a judgement against my wages...After a week or so, i guess they just got fed up with me and offered me to pay the original loan amount including finance fee which equals to $390. I was happy. I used a credit card so this way, if they tried to take out any additional fees, it could be disputed by my bank. My point is that i almost payed $200 extra dollars for nothing. I feel that i got a fair chance with them because i did not make payments on the account for almost 2 months and that is really getting my loan's worth. These people are not so bad if u keep bothering them the way they bother u...just keep asking for a settlement that you can afford and screen all calls. If you ever take out another payday loan, try not to give them your real work number or address...that way they cant harass you at work. It's best to pay back money borrowed because if they are fraudelent and they cant get their money, your personal info might be at risk especially since they know almost everything about your ss# and your drivers license including address and other info. Another thing to do is before you make a payment, let them send you a settlement letter via email so you have a copy for yourself just incase you do not get a receipt from them..once you pay them what you can afford, as long as both you and EMG agreed on an amount, they cant try to say u owe them cause youll have that settlement letter. I will not borrow from them again because now i've learned my lesson. Unlike a lot of other people, i consider myself one of the lucky ones that did not have to pay such outrageous interest fees. I kept calling them with the same amount and they finally gave in..GOOD LUCK TO ALL WHO ARE STILL STRUGGLING WITH THIS PAYDAY CO. if you need any other info,,,please feel free to post and i will check continously. |
a couple of points.
1)based on what you posted.you overpaid
2)emerald is illegal in the extreme
3)they broke the law in threatening you with garnishment(which requires a court order)which involves them taking you to court
4)they can come back and compromise your credit card.
5)being illegal you only owe the principle borrowed with no interest.
that being said you were rooked by an illegal lender.i recommend your course to no one as they can only submit a WAGE ASSIGNMENT.that is not a garnishment as that is voluntary and revocable.once you inform your employer of this.they can't do a thing except call and threaten.again sorry to say you were conned.
what if they threaten judgment and youdon't have to the money to
what if they threaten judgment and youdon't have to the money to pay in full.
Quote:Originally Posted by Anonymouswhat if they threaten judgme
Quote:
Originally Posted by Anonymous what if they threaten judgment and youdon't have to the money to pay in full. |
that is all that is a threat.being as they are not based in this country i doubt they can just get a judgement out of thin air.a couple of questions.
how much was borrowed.
how much was debited in fees.
if the amount in their fees meets or exceeds the principle then you owe them nothing.file AG, and FTC complaints.also file a police report for the thtreat.then try not to speak to them again.even if you still owe something.pay it on your terms not theirs.
i am in ky, do you know if i signed the loan if they can go afte
i am in ky, do you know if i signed the loan if they can go after my husbands employer?
Quote:Originally Posted by Anonymousi am in ky, do you know if i
Quote:
Originally Posted by Anonymous i am in ky, do you know if i signed the loan if they can go after my husbands employer? |
well chances are you e-signed.i doubt they have your actual hand written signature.even so unless he co-signed again i doubt that.they can't do that if they threaten that then it's another garbage threat from a garbage pdl.just know that.besides all internet pdl's are illegal in ky so they can't do a thing except call,and stupidly threaten.everything that comes out of their mouths will be hot air.
Take advice from the Internet tough guys or don't pay and risk y
Take advice from the Internet tough guys or don't pay and risk your credit and the consequences, from the sounds of it I they are the original lender and not a collection agency they can come afte you so I would be careful. You know you borrows money and agreed to a contractual obligation, there should be no question on to pay it back or not. These boards crack me up, no wonde this country is falling apart.
Ok my keyboard is screwed up my apologies for all of the spellin
Ok my keyboard is screwed up my apologies for all of the spelling and grammer errors, audios!
Quote:Originally Posted by AnonymousTake advice from the Interne
Quote:
Originally Posted by Anonymous Take advice from the Internet tough guys or don't pay and risk your credit and the consequences, from the sounds of it I they are the original lender and not a collection agency they can come afte you so I would be careful. You know you borrows money and agreed to a contractual obligation, there should be no question on to pay it back or not. These boards crack me up, no wonde this country is falling apart. |
TAKE A HIKE HUMANOID!!!!!!!!!!it's mopes like you who crack me up.btw an out of country illegal lender can't report on your credit.got that tough guy?i doubt it.that is what makes you a humanoid.
Quote:Originally Posted by AnonymousOk my keyboard is screwed up
Quote:
Originally Posted by Anonymous Ok my keyboard is screwed up my apologies for all of the spelling and grammer errors, audios! |
no your spelling is bad because your are an idiot.i hope i've seen the last of you.i doubt it though.
Geeze u take ur job so serious and quick to start with the name
Geeze u take ur job so serious and quick to start with the name calling, awfully defensive huh? U sound like a pro debtor to me, u r one of those people that make a living screwing companies over and robbing Peter to pay Paul instead of making money and paying your bills, u sit here and tell people how to be a pro deadbeat just like u. Humanoid what kind of stupid insult is that supposed to be? I have been reading post on this site and it's always funny. I love this I got u so fired up and barley did anything ha ha ha take a break and chill out
Quote:Originally Posted by AnonymousGeeze u take ur job so serio
Quote:
Originally Posted by Anonymous Geeze u take ur job so serious and quick to start with the name calling, awfully defensive huh? U sound like a pro debtor to me, u r one of those people that make a living screwing companies over and robbing Peter to pay Paul instead of making money and paying your bills, u sit here and tell people how to be a pro deadbeat just like u. Humanoid what kind of stupid insult is that supposed to be? I have been reading post on this site and it's always funny. I love this I got u so fired up and barley did anything ha ha ha take a break and chill out |
more stupidity,and bad spelling to boot.why don't you go back to phones cletus.you have people to illegaly harrass,and reading your prose hurts.
there are ways to contact them
they have several companies. they are shamrock marketing llc, they are emerald marketing llc, and they are another company that i dont remeber the name of. but they are a bunch of crooks. i would contact an attorney.