Payday loan mystery
Date: Mon, 06/11/2007 - 19:03
They aren't reporting to the credit bureaus and they haven't contacted me in any way.
The status of these loans will impact my decision of whether to choose a master plan of bankruptcy, settelement, or consolidation.
It would be reckless to assume that these are just out of the picture. It also seems reckless to initiate contact, acknowledge debts, even possibly reset the SOL...
So, any suggestions on getting status of these outstanding loans??
What state are you in? Are these internet payday loans? It is
What state are you in? Are these internet payday loans? It is possible that they payday lenders are illegal in your state and know it, so they are not pursueing it. Also if you can provide who the lenders are, that may help.
You might know the names of the companies from whom you got the
You might know the names of the companies from whom you got the loans. We will find out their phone numbers. You may give them a call and propose your payment plans. Seeing your intentions to pay back, they will offer you lower interest rates and waive off most of the fees. Once everything is sorted out, stick to the plan and get the accounts paid off. This will do good to your credit.
I need help on a payday loan as well. They have already collect
I need help on a payday loan as well. They have already collected $270 from our bank account on a $300 loan. This is the email I got today.
Quote:
Angela Young Account Manager Westbury Ventures (800) 859-6439 ext. 357 (800) 859-6450-fax This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the company. Finally, the recipient should check this email and any attachments for the presence of viruses. The company accepts no liability for any damage caused by any virus transmitted by this email. -------------------------------------------------------------------------------- From: Angela Young Sent: Monday, June 11, 2007 10:02 AM To: Angela Young Subject: FW: Delinquent loans settlement offer! Good until 6/15/07!!! From: Angela Young Subject: FW: Delinquent loans settlement offer! Good until 6/15/07!!! As you are aware, your pay day loan account has been turned over to my office for collections. The account is severely delinquent and is at risk for further collection activity in accordance with STATE LAWS. It is obvious from your inability to pay the balance on your account that you are either experiencing economic hardship or are simply refusing to pay. In the event you are simply refusing to pay the debt, we will proceed accordingly. However, if your failure to pay is based upon an economic hardship, we would like to help you resolve the matter by extending a one-time settlement offer of 50% of the total balance due. This settlement, if paid on or before June 15, 2007, will immediately resolve the debt and cease all collection activities on this account. Please contact me at your earliest convenience to secure these arrangements and so that I may answer any questions or concerns you may have regarding your account. I can be reached toll-free at 1.800.859.6439 ext 357. Sometimes bad things happen to good people. If your intentions when you borrowed money from client were honest and your inability to pay is a result of unfortunate circumstances, please contact me today to discuss the settlement offer. If your intentions were to borrow money and not repay it regardless of your situation, we will take note of your integrity and proceed with all collection activities available to us under the law. Angela Young Account Manager/Reconciliation Consultant Westbury Collections Phone: 1-800-859-6439 ext. 357 Fax: 1-866-323-6555 ayoung(at)dmsmktg.com |
Sheila, What state are you in? Have you tried to make paymen
Sheila,
What state are you in? Have you tried to make payment arrangments on the remaining balance?
Sheila, Based on what you are telling us, you only owe $30 on t
Sheila,
Based on what you are telling us, you only owe $30 on the principal of this loan, since you have paid $270 already and it was for $300. I would get their address and send them a money order for that amount and also check the PDL laws for your state--also seeing if Westbury is licensed in it. You also probably owe interest at a rate legal in your state as well--but not 50 percent of the principal as they are stating in the email.
Hello. I'm in Maryland. I'm not sure if they are registered in
Hello. I'm in Maryland. I'm not sure if they are registered in my state since most pdl's are prohibited in my state. I only found that out recently. I have another pdl from another company that they have already collected $198 on a $150 loan and they are calling all of my references with threatening voicemails, but not my phone...? Their name at the time was Early Payday Advance, and we didn't even know we were getting that one. The money just showed up in our account.
Oh yeah I almost forgot this Westbury Ventures also took out 32.
Oh yeah I almost forgot this Westbury Ventures also took out 32.91 of my bank account before I closed it without any kind of notice. I am still wondering how they got that account number. They had it listed as Express Cash
This one is a new email I got today. Quote: Sent: To:Subject:
This one is a new email I got today.
Quote:
Sent: To:Subject: Pay what was deposited ONLY! Please call me it will only take a couple of minutes to get your loan amount and keep your social security number from being reported 800-859-6439 x 490 Mark Franklin Subject: Pay what was deposited ONLY! This is your chance to pay the online payday cash that you took out. I am requesting that you pay ONLY what was deposited and nothing more. This is a brief description of your payoff. If you borrowed $100 just pay $100. That's it! If you borrowed $200 just pay $200. That's it! If you borrowed $300 just pay $300. That's it! This promotion will end on 06/29/07 so call now to accept this opportunity right away. You have to take (3) steps to clear your SSN of any problems and prevent further action. 1. Acknowledge that you received funds that were electronically deposited into your account. 2. Call me at 1-800-859-6439 ext 480 and request the amount deposited into your account. 3. Provide a concrete payment date anywhere from 06/15/07 through 6/15/07. By paying off this loan contract it will do (2) things. 1. Prevent further action and exclude any fees you incurred with the loan contract. 2. Once you are in "GOOD STANDING" with the company, you may be eligible for another loan with more than one creditor. These are all the steps you need to take to finally clear your balance and clear your name. We ONLY accept MoneyGram and check by phone. You may also visit emoneygram.com to pay with credit card to get this matter resolved right from your computer. I am more than willing to assist you with a settlement or any other questions that may help you. Thanks. Please don't ignore this message. I'm trying to prevent further action on your behalf. MARK FRANKLIN Westbury Ventures Phone: 1-800-859-6439 ext. 490 Fax: 1-866-323-6555 mfranklin(at)dmsmktg.com All payments MUST be wired via MoneyGram! ALSO GO ONLINE SEND YOUR PAYMENT THRU E-MONEY GRAM CLICK ON EXPRESS PAYMENTS AND FOLLOW THE INSTRUCTIONS CALL ME AT THE NUMBER BELOW AND I WILL GIVE YOU YOUR ACCOUNT NUMBER Receive Code: 4959 Pay to: LTS Management City: Wilmington, DE Loan ID or Account number: Call me at 1-800-859-6439 ext 490 Please call (8) digit reference number into the office immediately after making the MoneyGram payment. Walmart store locations accept MoneyGram payments. Complete BLUE Express Payment form. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the company. Finally, the recipient should check this email and any attachments for the presence of viruses. The company accepts no liability for any damage caused by any virus transmitted by this email. |
SAME COMPANY THOUGH!!
Sheila, you are done with them. Payday loans are illegal and pro
Sheila, you are done with them. Payday loans are illegal and prohibited in Maryland, file a complaint with your state's Attorney General's office and report them. Just pay them the $30 balance owed on the principal, then you are done. GET YOUR COMPLAINTS IN TO THE AGS OFFICE
Thanks for your help. I really appreciate it. I feel a lot bet
Thanks for your help. I really appreciate it. I feel a lot better since I've joined this community. :)
Alot of us were in your shoes when we first found this site. I k
Alot of us were in your shoes when we first found this site. I know I kept saying to myself I wish I had found it before I lost out on ALOT of hard earned money which I basically just handed over my paycheck to them each pay period. :(
You'll find this funny... I found this in my email today as if
You'll find this funny... I found this in my email today as if I'm that stupid.
Quote:
-------------------------------------------------------------------------------- From: Mark Franklin Sent: Tuesday, June 19, 2007 11:47 AM To: Mark Franklin Subject: FW: Looking for Your New Bank Account! -------------------------------------------------------------------------------- *****IF YOU HAVE A PAYMENT PLAN IN PLACE WITH ME, PLEASE DISREGARD THIS CORRESPONDENCE***** I am contacting you because you have one or more payday loans that have gone into collections. I have made numerous attempts to get in touch with you regarding repayment of your account(s). Since you have demonstrated an unwillingness to voluntarily settle the debt, you have been referred to Check Recovery. This automated system is actively looking to locate any valid bank account associated with your name and social security number. If such an account is found, Check Recovery will move to recover the entire balance due at once. If you would like to have control over how and when your loan(s) are repaid, please contact me to put a firm payment plan in place. If I do not hear from you by close of business, tomorrow, June , I will assume that you would rather have my company take back what you owe rather than paying it back on your own terms. You may contact me by phone, fax, or email. Thank you in advance for your cooperation You may now also make payments online via emoneygram.com using your credit/debit card or your checking account. Mark C Fanklin Account Manager Westbury Phone: 1.800.859.6439, ext. 490 Fax: 1.800.859.6450 Email: mfranklin(at)dmsmktg.com |
This pdl was in both my and my husbands name. His being the pri
This pdl was in both my and my husbands name. His being the primary. Both of our names are on our bank account that we currently have. Can they in fact move it to another bank account? I'm not giving it out to anyone.
I personally think they are blowing smoke. If they are illegal
I personally think they are blowing smoke. If they are illegal in your state and they know it, I think it is just a tactic. If I am wrong, someone please correct me.
In my case they must be puffing smoke. I received another one o
In my case they must be puffing smoke. I received another one of those emails this morning. I've been seeing characteristics that it was a general email sent out to a lot of people. Today's email was blatantly obvious that it is addressed to a lot of people. Just take care of them all in one shot I guess. But I've paid my dues and they are not getting my new account number.