How do I respond to this email?

That is a common response. Depending on the laws of your state I'd get the AG involved. They can help direct you on what to do next.

I would respond to the letter stating that you know what you've paid, that wasn't what you were writing about. I'd include you original letter and say that you are requesting a response to whatever points you made in the letter. They are just trying to give you the run around.

In your response, write them that you already know how much you have paid so far and you are aware of the laws in your state. As per the latest standing of your account, you are sending the outstanding balance of $45.00 and want to get your account marked "PIF". Send a copy to your state AG.

Thanks I appreciate the advice! I sent another email off, told them I already knew how much I paid and by law how much I owed, also enclosed a copy of the first email I sent to them. And basically said if what I was offering wasn't good enough then the next time they heard from someone in Arkansas it would be the Attorney General's office. Hope that wasn't a bit too much to say to them.

You said nothing wrong. And payday-loan-yes can't escape the laws followed in your state. Have you checked if they are licensed in your state? If they are not a licensed business, it will be hard for them to make extra money and you will have a legal back up.

Just always be careful how you word things. You don't want to sound like if they don't mark you pif that you will turn them in. That is extortion.

What's wrong if you sound pushy? The company is violating the laws and they need to act within their lines. If you are aware of your rights, why not use it to the best? What can be the bad consequences if you are sounding hard?

mute805 - the problem with sounding harsh in your e-mail - i.e., making threats to report them to the state authorities, etc., if they don't mark you paid in full, is that they can turn the tables on you and claim you are attempting extortion.

There's nothing wrong with exercising your rights, but you need to be careful how you word your response to them to avoid them throwing it back at you and causing you more trouble than you already have.

hmm... I agree what you are saying. There is a risk you want to avert right from the beginning, and don't let it fall on you.

But I know it's hard for a person like me. I will lose my temper in a situation like this and after knowing that I am doing right. But you also show me a very important point. And I have to drink to this.

Well God, now I'm worried. I didn't mean for it to sound like extortion, just wanted to make a point that I felt like I was being given no other avenue if they couldn't or wouldn't except what I was offering.
Quote:

Okay get this, the email that I just sent off to these people has been returned. You don't think they blocked my email address do you?

sandysbox
I dealt with this company, They tried the balance thing with me. Saying that I owed $540, they offered to settle for $300 and I told them know, according to Pa law, I only owed them $65 (after I figured how much I paid them) They settled for the $65. You have to call them to get any kind of negotiation and agreement from them. They gave in pretty easy compared to some.
BUT before you call
1. Know how much you borrowed
2. How much you paid
3. Calculate what you should have paid according to your state law
4. Make sure that you let them know this amount is according to your state law and that is what you agree to pay.
5. Don't be harsh but stand firm. Hopefully, you will get the same result I did. But have all this information in front of you when you call.

Oh yeah,
Forgot this part they told me I could never borrow from them again. I cried all night, lol.

"You don't think they blocked my email address do you? "

It is possible or more likely they use a program like Mail Washer that lets them view the email before downloading it. They can either accept it or reject back to the sender.

What was the return error message?

Well, me second email did finally go through, and of course got a about the same response from them. Now, my question is would it be considered extortion if I simply sent them one more email telling them that I have now filed a complaint and that the matter will be handled that way, or should I just file the complaint and not worry about letting them know?

You can tell them you are filing a complaint. It could only be considered extortion if you told them if you don't do what I want, I'm going to turn you in to the ag. Just informing them of what you plan to do is not extortion. You are safe on that one.

Don't just tell them that you have filed a complaint, get the e-mail for your state ag and the FTC, e-mail them with a cc to the pdl. You need to file the complaint. That way when you are communicating with the pdl you tell them that you have filed a complaint with Attorney General John Doe in such and such a state and hve also registered a complaint with the FTC. Then resend the last e-mail that you sent to the pdl ccing the ag and the ftc.

Sandybox, you need to call them, they are not real hard to deal with. Just take a deeeeeep breath, have all your figures in front of you and tell them that according to your state law this is what you feel you owe. They will try to get more out of you, but stand your ground and tell them you are willing to pay what your state law states you are to pay. Don't be afraid of these leeches. You will feel much better once this is over. I had a loan with them. See my post above.

You may be surprised how easy they may be to work with, they didn't really give me a hard time. I had 10 payday lenders, they were the easiest of all to deal with. Just call them.

I called them, which might I add I'm not very good at, confrontation, but I called and basically got the same response that I did with the email. So I emailed them again, and thought I would try calling again tomorrow to see if maybe I could talk to someone else. Maybe if I bug them enough they may work with me just to get me to shut up.

I did call them today and didn't get any better of an answer from them, so just for the heck I'm going to call again tomorrow (hopefully I'll think to write down the person's name I'm talking to this time) In the meantime I emailed them and faxed them again. Bug them enough maybe they will work with me. I just hate calling I seem to always be flustered with what they say to me, but I'm learning.

Then write a script.. put it on paper.. the points you want to make.. the figures you need and the % for your state and the balance you feel you owe. Dont let them rattle you.. trust me that how they get people to pay the intrest by rattling your cage.. Just write it down nothing fancy Just the points are fine

pdl~ That is a good idea to write things down. I would also add that some will try to confuse you and say you are saying one thing when you are actually saying something else. Just be strong. You have knowledge on your side. Dealing with one of the companies I am dealing with right now has been a pain, but I pretty much say what I have to say and am done. I am not usually one for confrontation, but dang it, enough is enough and it is my money and my life I was dealing with and there was no way I was going to let them get the best of me. You can do it. Got faith in ya! LOL

Well I've done everything I could think of to do, closed my old checking account, opened a new one a different bank, wrote letters faxed and emailed, and even called, got nowhere. Funny thing I don't believe this woman actually thinks I have already closed my checking account, she asked me twice if I had already closed my checking account or did I just revoke authorization. Maybe I shouldn't have, but I simply said that Thursday she would find out. I figured if she didn't want to listen to me the first time, I didn't have to answer her the second time.