William smith

What ipdl is this?

rmjacobs - he is blowing smoke. If the company is not licensed to lend in Michigan, then his statement that "receiving an advance from the internet is completely legal" is completely false.

And there's that "willful evasion" statement again, the one that so many IPDL companies are fond of using.

Let us know what company this is and we'll advise accordingly.

DM marketing.

Hmm...that's not one I'm familiar with, but I know others here probably are - keep an eye on this thread and others will respond with more knowledge about DM Marketing.

Could it be DMS Marketing? If so, I've dealt with them. Sue is right. They're just blowing smoke. After going round and round with them, they eventually marked my account paid in full. I had used the PDL template letter on pollyandsay's blog, inserting the laws of my state. Have you made a formal complaint with your attorney general? After doing this, insert also in the PDL letter that you have a formal complaint in with your attorney general, who will be investigating their illegal loaning activities. Don't back down from them. If you notice, they say nothing there about taking you to court? Why? Because they don't have a leg to stand on!

That is what I thought. I figured after I emailed them to stop harassing me this would be over but no I guess not. I did file a complaint with my AG and the state they are in lets get them shut down...

I agree. That's why it's important to contact your AG because they're the ones that are going after these places. I'm glad you did. Okay, in checking the laws of your state, first, they are not licensed, as you said. Your state clearly says they need to be licensed to do business with you. Second, it says the agreement is to be in writing and signed by both parties. As I recall, DMS doesn't do that, either. Third, no rollovers are permitted. In other words, they are not allowed to renew the loan. They can extend it, but they cannot charge more money to do it.

In other words, you're covered by your state laws. Don't give in to them. Stand firm against them. They'll eventually back down. Just know that you're in the right and they don't have a leg to stand on.

I have been standing firm everytime they call and say I am going to jail etc. I just laugh and state the laws in my state. I probably just aggravate them because they can't get to me.

You're right. And if they e-mail you, just send the same letter back, putting your state laws in bold type. Some people here have e-mailed these places several times a day just to get on their nerves. Get them as aggravated as they get you. Wear them down!

yeah they try to do it to us. So why not...

Exactly!

Thanks for everyones great words of hope...

Keep your chin up - don't let the jerks get you down! Repeating what has been said before, if you owe money, truly owe it, then pay it, and request the account be marked paid in full. However, if you have already paid in full, in fact, have overpaid, then demand a refund, and to be marked paid in full - fight for what is legally yours!