Help in Massachusetts..

i have been dealing with Westbury Ventures (Andrea Collins) and National Payday Advance (Mr. John Michaels).. i have NO idea what i even borrowed at this point. i have paid back (with fees) well over $300-$400 to each, so at this point, i have STOPPED payments. i have asked both "companies" to provide me with paper copies of all activity of my accounts.. neither can.. or will.

and i have to leave now.. i will be back in the AM. any thoughts would be helpful. they were both internet loans..

It means that payday loans are illegal in MA unless they are licensed under small loan act. Do you have internet pdls? If so, I can bet you that none of them are licensed under MA's small loan act, if they were, they would be bound by the 23% interest rate cap by your state. Which companies are you dealing with? And also, if these are internet pdls, they are not licensed, and you need to file a complaint against each one, if you have multiple pdls, with your Attorney General's office.

SOrry, i overlooked, you stated which companies you are dealing with. I highly doubt they are going to send you anything, they are already operating illegally without a license. Get those complaints in.

I sent you a PM.

Roadwarrior my friend I knew you would come along :D

thank u guys. ive done a lot of research, and at this point, i just needed a lil confirmation that im not crazy. should i pull all the payments from my bank acct and print them out?

these ppl r obnoxious. the chick from Westbury went as far to say she doesnt care what i do b/c she gets paid every friday regardless.. well, then why are u sweatin me.. and i know they are all commission based.. so she is FULL OF SH*T! and i told her that.. boy did i make a mistake...

What is this??!!

She is making up another one now. Not once did she ever reference another loan and i did not take out a second... So now all of sudden, i have a second balance. Scam artists...


Quote:

Please file a complaint with the MA Attorney Generals office. Payfday loans are Prohibited there. You will receive e-mails from all of them saying crap like this. They must follow the law there. KYSIDE38

im leaving work early and will take care of all that today. this chick is an ass... so what does being a national company mean? i mean i have filed a complaint with the FTC.. so thats Federal.. so i should have all my bases covered, right?

They will all tell you they are federal. They must follow the law in the state where the borrower resides. The person that is in charge of state law is the Attorney General. In WV the4 loans are Prohibited also. The AG here has sued many of these companies and consumers are getting refunds. So Please file with AG. KYSIDE38

thanks. this is very helpful. i will call them as soon as i leave work. this chick is really pissin me off now...

You are WELCOME. Also Roadwarrior is from MA and has dealt with the loans. He can be of great help to you. Just PM him. KYSIDE38

now she is asking me for proof from my bank that they only made ONE deposit. i told her the burden lies on her, if she can prove i owe TWO loans, i would be more than happy to pay what i borrowed, minus the fees.. is that the wrong tactic to use, or should i stop communication with her? i told her it was entertaining to email with her because her spelling is horrible, she doesnt know what she is talkin about and she keeps saying each email is her last...

i know this is serious, but she is amusing me...

[quote]No ma????????am YOU are purposely provoking me by asking the same question over and over. I have real customers to handle. I provided the fund date. THIS IS NOT A CREDIT CARD. We do not have monthly statements that are produced. I am done wasting time on you. When you want to handle your affairs like a mature woman, get back to me. I am blocking all emails, so if you want to contact us, you can do so by phone, and speak with my supervisor at 1-800-859-6439 EXT 242 (Ms. Hampton). I am not scared of you, I have done my job.



From: betsey m [email addy removed for your safety - Goudah]
Sent: Thursday, June 28, 2007 3:19 PM
To: Andrea Collins
Subject: Re: Your outstanding debts.



i just keep asking for some sort of paperwork to show any debts u claim i have. i keep asking for something that u are refusing to produce. and researching my rights and contacting my bank is far from laziness. ur insults will only benefit me. all of your insinuations, insults and put downs are what is harassment.. i am a simply a consumer looking for some answers. if you're legit in anything you say and if your company is on the up and up, as u claim, just like any other business, u would be able to produce something other than empty threats. all i am looking for is something in writing to show what i have borrowed, what was paid and what is owed. if u, as a service rep, cannot provide that then clearly we have nothing left to talk about. if i owed money to a real company, such as an electric company, or a credit card company, online or otherwise, i am sure they would jump at the chance to produce paperwork so that the matter could be cleared up.

...and for the record, u have not told me anything on how to clear anything up... u have told me that i am lazy, u told me that my comprehension skills are lacking , u have told me i am unable to understand the concept of a simple bank statement.. u have called me a thief, which is ironic because thats exactly what you are.. u have assumed i dont have a "good name", whatever that means.. and u called me a deadbeat..

so until YOU show ME what, if anything, i owe, which clearly u cannot do... i would ask that u stop contacting me. u said it in SEVERAL emails that i have paid my debt. and then 20 emails later, u make up another "case #" and tell me i owe that too... nice try Andrea.

its also convenient that u have 15 different company names yet no physical address . i told u once u showed me something in writing, i would mail u a money order but that didnt seem to be good enuff. so i guess i, along with everyone else who has been scammed by u, am right.[/quote]

HER INSULTS...

Andrea Collins
show details
1:13 pm (3 hours ago)

The case#????????s are in order of loan given. If you do not believe me, check with bank, they have records of deposits. Or do you owe them too? You seem to misunderstand, I am not a customer service rep. Customer Service is for CUSTOMERS. You are a DEBTOR.

MORE INSULTS:


Quote:

ANOTHER:

[quote]From: Andrea Collins [mailto:acollins@DMSMKTG.com]
Sent: Tuesday, June 26, 2007 4:59 PM
To: Betsey xxxxx
Subject: RE: re cas# 241935


OK,??????? HOW MUCH SIMPLER DO I NEED TO EXPLAIN THIS? WE DEPOSITED THE FUNDS IN THAT ACCOUNT ON THAT DATE IN THAT AMOUNT. THERE ARE NO STATEMENTS OTHE THAN DEBTOR STATEMENTS WHICH I HAVE SENT. WE VERIFIED DEPOSIT WITH THE BANK. IF YOU WOULD LIKE TO DISPUTE THE LOAN CONTACT THEM AND PROVIDE ME WITH A STATEMENT FROM 1/01/07 UNTIL 2/2/07 SHOWING WE DID NOT DEPOSIT THE MONEY. THAT IS THE ONLY WAY OUT. YOU ARE JUST A DEBTOR TRYING TO GET OUT OF A DEBT. THINK ABOUT IT, IF I WERE A THEIF DON????????T YOU THINK I WOULD TAKE FROM SOMEONE THAT ACTUALLY HAS CREDIT AND A GOOD NAME? I AM NOT DIGGING FOR YOUR FILE. YOU KNOW YOU TOOK THE MONEY AND NEVER PAID IT BACK. I GET PAID EVERY FRIDAY WHETHER YOU PAY YOUR BILL OR NOT. I HAVE PROVIDED ALL INFORMATION THAT I AM REQUIRED TO. DO NOT CONTACT ME UNLESS YOU HAVE OUR MONEY. WE DO NOT ACCEPT MAIL- IN PAYMENTS. THIS IS AN INTERNET BASED COMPANY. YOU MUST PAY CHECK BY PHONE OR SEND OUR FUNDS VIA MONEYGRAM. I AM NOT GOING IN CIRCLES WITH YOU ANYMORE. AS FAR AS, CHECKING INTO COMPANY INFORMTION, DID YOU DO SUCH A THOROUGH CHECK WHEN YOU NEEDED MONEY SO DESPERATELY? ALL TERMS WERE OUTLINED IN THE ORIGINAL CONTRACT IN WHICH YOU WERE ADVISED TO KEEP A COPY OF, BECAUSE WE DO NOT PROVIDE THEM. P.S. HERE IS THE COPY OF THE DOUMENTATION FROM THE EMAIL YOU SENT, THE ACTUAL EMAIL IS SAVED INTO YOUR ACCOUNT DOCUMENTS???????. HAVE A NICE DAY[/quote]

This lady is an idiot. LOL. And very professional, a truely, educated collector would not behave or correspond in this manner. Also, I wonder if she would even have a job if this was given to her supervisor? I would definately attach these corresponances to any complaint you have with the attorney general's office. I will admit, it was entertaining reading each of her responses it was like watching a person slowly fall into insanity. LOL

Hahaha. I know. I have the whole email chain.. I would post it if i didnt think it would bore everyone. I am a fairly educated woman, 31 y/o, who fell into a tough spot and i think she is pissed that i am fighting back..

Am i wrong in saying that if anything she said was legit, that she could produce it and i would pay?! I mean, its pretty clear, no?!

Steelers is right, attach the whole bunch to any complaint you file! That will get their attention. These people are crazy! I can't believe they would say some of those things in writing!

It is 100% clear! She is an idiot!

Do me a favor and ask her when she become Andrea Collins instead of Sabrina? Also ask her if this company disclosed that they were not to do business in Ma because payday loans are ILLEGAL. I would do as Goudah and Steelers says and send those copies to AG ASAP. KYSIDE38

also, when i tried to call.. just to see who was on the voicemail, because we all know they DONT answer the phones.. the voicemail was a mans voice. haha.

i have printed everything out and im ready to fax!
thanks for all ur help and support.

AND goin thru these emails, she specifically said that the "case #'s" are issued in the order in which the loans are given.. so it states that BOTH loans were funded on the same day YET the case numbers have a 29,150 number difference. so if what she is claims is true.. in ONE day MORE THAN 29,000 ppl got loans?

thats sounds about right.. haha...

i added the "supervisor" she referred me to onto this FINAL email attempt..

Quote:

so this JERK at National Payday Advance, Mr. John Michaels, is telling me that i have only paid half of what has clearly been debited from my account.. what the eff??!!

and i was just on the phone with the MA Division of Banks.. and she told me EVERYTHING these companies do until they are licensed under the small loans act and both companies, to date, are not.. but this NPA group is BRUTAL with their harassment. they have already debited my acct today for an unauthorized amt of $100... he is tryin to settle with me, but he has put me negative in my account as it is with the $100 that he just took.. so now i cant pay some bills... but for another $100, im done with these snakes! and i figured out today that i have OVER paid what was borrowed.. what do i do? fight the unauthorized charge, which will take 2 weeks, or let them have it.. and then have the cease and desist order come and THEN tell them they're illegal and stop paying? i have already paid what was borrowed... so every penny goes in their scumbag pockets... HELP!

I wouldn't pay a penny more then you legally owe these people. Fight it!

These people are so clearly in the wrong, and by their totally unprofessional emails you can tell they are just trying to bully you into paying.

I would dispute the charge asap! Don't let them take your money like that! Also, you need to get your account closed or properly blocked asap. Make sure your bank doesn't reopen closed accounts when ach transactions go through. If they do, have them put your account on deposit only, an ach block, or a hard hold on the account before they close it. They will stop the pdl's from reopening the bank account.

I totally agree I would dispute the charge. KYSIDE38

and just let them harass me at work? since they are not a not a "collector".. they do their own collections, they dont adhere to the letter i sent them telling them not to contact me at my workplace. they have already gotten to my manager, a few months ago.. and luckily my company is cool and no one cares.. its the principal at this point.

it will take 10 business days, or up to, to get the funds back in the account, if i dispute. and THEN i can close the account.. but that only opens the door for their bullying to start all over... GOD what was i thinking?!

Yeah, but you don't want them to take more money then they are due either, do you?

Even though they aren't a collector, they still have to honor your request to not call you at your workplace. Tell them you will be filing harrasment charges against them if they continue with the calls.

ok. i will do that. i do not want them to get another penny...

Good! It may take a bit of work on your part, but you can fight them and win.

Keep up the fight. I think we have all had that feeling. What were we thinking? Sure know I did. There will be a light at the end of the tunnel. KYSIDE38

thanks guys... u've been so helpful and supportive...

and FYI - i never heard back from "andrea collins" or her "manager" after that last email i sent.. and funny thing, i sent it from my work email, which i am sure was NOT blocked..

Maybe you'll be lucky and never hear from them again!

Regardless of if you do or not, just stick to your guns and don't give in. The law is the law and they can't pick and choose what they want to follow.

That is right even though they think they can. They like to break every law in the book. KYSIDE38

Hell, I don't know what kind of lawyers these people hire to "advise" them on what they can and can't do, but I think these lawyers must've got their degree from a paper mill . . . . These places assume that if you have to borrow money from them you don't know the laws and they think they can get away with it.

Sad part is they probably do get away with a large percent. For every one person that comes here for help, there are probably 500 - 1000 more that assume these places are telling them the truth and they do whatever they can to get them the money so they don't "go to jail". I'm sure there are people that ended up getting evicted and crap because they thought they had to pay a payday loan before their rent. It's disgusting.

i should be so lucky!!!

Before I found this forum I paid Interim Cash at least $500, probably more like $700 for a $200 loan because I believed that it was legal and I had no rights. I know there are so many more out there like me.........they prey on desperate people.