Cash Transfer Center not subject to US laws??????

That would not hold up in an American Court of Law. Continue to file your complaints against these companies.

And tell them "Good Luck" with getting you to come to Malta. LOL

Maltese law is not relevant in the United States. Get them to prove that Maltese courts have personal jurisdiction over you. That should be good for a few laughs.

Since they loaned to you in your state of residence, then the laws of that state apply. You can tell them to stuff Malta laws.

I wonder what the Fbi would think of that nonsense.I would email the letter to them and let them know what these dirtbags think of our countries laws.

As stated, they must follow the laws in your state. They are just basically blowing smoke right now because they know they are in the wrong. A lot of us here have dealt with them so feel free to ask any questions. I would stick to your guns and keep telling them they MUST follow the laws in your state. I would also send them a certified letter via return receipt. I have a US address if you want it.

They have also been banned from loaning in several states, due to their sleazy tactics. Remind them of that the next time they harass you!

They must follow the laws in your state.

I heard they were kicked out of Malta. They are quick to offer settlements if you resist them, but make sure you revoke that wage assignment as it will be their first move. Tell your employer that you revoked it and not to honor it. They will also call your refs. They settled with me for 40 percent when I resisted them.

I would love a US address if you have one Mishele! I let my payroll know that I've revoked the wage assignment and will send a certified letter saying the same thing to them. I'll also call my references to tell them to expect calls. Do you know what they will say to them?

They will probably lie about you committing fraud and that you are about to go to jail - both which happen to violate the fdcpa since they are not allowed to discuss your debt with anyone besides you.

is this the same one you got yours from too?

yes, i got it from Cash Transfer Center although when it was withdrawn from my account it came out as Northway Debit

I wrote them a letter revoking any wage assignment and told them that I found out they are not licensed in Kansas where I live and that I would be contacting the attorney general and state banking commissioner. I called my payroll department and they said that wage assignments are not legal in Kansas that they would have to do a garnishment. After I faxed that letter I have not heard from them again. I am paying them through Town and Country Acceptance, so they are slowly getting their money. I don't know if it would work for anyone else, but I have had results with faxing them a hate letter. Just be sure you know your stuff to back it up with. I faxed it to 888-395-0192 attn: Ms. Kimberly DeThomas, President. It should be to their payment services location in BC.

PO Box 1209
Oaks PA 19456

It will get to them. Send it certified mail with return receipt. This way you will have proof that they received it. Stick to your guns while dealing with them. PM me if you have any other questions :-)

I too have been sucked into this vicious cycle. They have contact my job and although I am willing to pay the debt that I indeed owe, they want the lump sum right now. What is the process now that they have contacted my job, oh yeah she did reference that they were going to send my job the papers to garnish. DOes anyone have the entire contract that is signed when loaning with these B@#*@&$*(@(? Any and all help is appreciated.

Send them a letter stating that you revoke any voluntary wage assignement then send a copy to your hr dept

Thanks Mishele - I will send that letter today! From your experiance the PA address works? I've heard they're in BC

It does, but the first thing you must do is revoke that voluntary wage garnishment. This company is very sneaky and will try it, I promise you. You need to stay one step ahead.

I already let my payroll know and she has said if any comes through she will check with me first so I have that off my mind at least. I sent them a certified letter yesterday so we'll see what happens from there.

Good job! That's the first step to getting free from these things.

No where in their contract does it state anything about volunary wage assignment-I revoked it anyway however, and made their collection person "Alan Denver" angry...he left me such a nice voicemail!

I too am having trouble with them. They are threatening wage assignment. I faxed a letter 3 times revoking it yet Brenda Garcia denies she ever recieved it. She is so rude and will not work out payments at all. What do I do now?

E-mail them with your wage revocation and cc the ag in you state. Make sure that you file a compaint against them with the ag and cc them with at copy of the complaint.

Please, please, please file that complaint with the AG!! That is the only way these people are going to be stopped. This is a horrible company. I just received a PIF letter last week thanks to the AG of the state of Ohio. It took at least 2 months to get it but I got it!!!! The only way they are going to be stopped is if everyone complains to everyone that they can!!!

I will do so. How again do I contact the WI AG? I wuold like an address, e-mail and phone number if possible. Or if you can't post that, then a website will do.

Jcornell, try googling Wisconsin Attorney General, that should provide you with a link to their website and instructions on how to file a complaint. Some AGs' websites allow consumers to file complaints online, others will have you download the papers and mail them into their offices. Good Luck. :D

Like SassnLucy says."Please, please, please file that complaint with the AG!! That is the only way these people are going to be stopped." We must be relentless in our pursuit.

And most importantly, file that wage assignment revokation with your payroll dept. The PDL can say all they want, but it is ultimately up to the employer to honor or dishonor the wage assignment request.

I will do that, but wage assignments are only valid in WI if court ordered - correct?

Yes, but remember, when revoking a wage assignment it is important to give a copy to your payroll department. Some people's employer has honored the wage assignment when presented to them. So make sure you speak with payroll and give a copy of the letter to them.

When you send the wage assignment revokation to payroll, be sure and call them to confirm they got it and get the name and extension of the person who confirmed this information with you to be sure.

Thanks everyone, you have all been helpful in many of the forums. I have some questions for those of you who have been dealing with this for some time noe. I just defaulted on all of my loans in the past 10 days. How long have you been dealing with yours? I understand that the calls and e-mails will be constant for awhile. My plan is to pay each of them at least $30 every month. In your experience have they backed off a bit after you started paying them back? Just looking for a little encouragement. Thanks :)

It can be rough in the beginning with the threatening phone calls. But it does get better with time. I fought my internet pdls and did not back down, also filed complaints with my Attorney General's Office which helped. I was able to get my internet pdl's marked paid in full, because I really did pay over the principal and legal interest rate for my state. And the fact that none of them were licensed in my state, which is the case for most others, if not all. I would say that I dealt with my internet pdls for about 1 1/2 to 2 weeks. With the exception of GFSIL, they recently backed off and went away.

Wow - only about 2 weeks. Hope I can be that lucky. Well, I too plan to stick to my guns and not back down. They will just have to take what I send them. I would love to hear from more of you :)

What IPDL's are you dealing with? We can start with that and go from there with war stories, lol...

Cash Transfer Center, Check'n Go online, First Bank of Delaware installment loan, Cashnetusa, Urgent Cash Advance, Quickest Cash Advance/MTE, Paycheck Today and Arrowhead/VC Financial.