Eastside Lenders

Cannr
I suppose that today just is not your day. keep your cool. Things could be worse .Think of poor Shaniqua having to work for that clown a** company.
Just resend what you have already sent them. It seems to me if you send something new they are not going to pay attention to it anyways. You have done enough work. Just relax , sit back , smile and know that you are in the right 100%.You did your job
Oh and arent you proud of me , I remembered to sign in

Hey Cannr...I am going through the same thing with Eastside Lenders. I have overpaid them by $162.50 and they are saying I still owe them some outrageous amount of money. I'm in Florida and have filed a complaint with my office of Financial Regulation. I got the same letter that you got about them being "licensed in Delaware, the payments are made back in Delaware, blah blah blah" I think now they have sent me to Smith Haynes and Watson, which I guess is some bottom feeder collection agency. I refuse to pay them another penny.

I would send Shaniqua an email saying, "here is the letter I sent you on July 19th-it should explain everything to you-perhaps you didn't receive it!"

Don't even get me started on them!
I faxed/mailed/emailed the C&D letters, blah blah-you know the drill by now. I started on 07/17, and again on 07/19-07/22-07/25 and 07/28. No reply. Not a word.
Last night I got an email that actually said "Oops! We tried to debit our account and your payment was returned." It went on to say to contact them to set up payment arrangements. The last part made me laugh out loud. It says "Remember, we are here for you but we need to hear from you"
So I blasted off a friendly email recounting the several times I tried to contact them(granted-never by telephone)and according to Floria Law, I overpaid. I will not be paying, I will not give them my bank account info. And isn't it funny how I tried to contact them several times, and got no response, but the moment they found out my account was closed I heard from them. The response I got was from a collection agency!! I emailed them the same info including all the info regarding Florida Law. They haven't responded yet.
Gee, I wonder why...

Ald...who was the collection agency??? Was it Smith Haynes and Watson??

Wow, I just can't say wow enough about these guys...I don't know how you keep your sanity. If I had to deal with them, I'd go nuts. Yeah, I'm reading through the posts and just going "Hello, don't you get it??!" The gall of these people to persist in demanding more money to settle when they aren't even legal *shakes her head* I wish these places were shut down!!!

No, it was Centrinex. The person who sent the email was "Regan-Eastside Lenders" but the re: address was centrinex.com
Has anybody heard of them?

I have never heard of them.

Oh, hell no! I just checked and Eastside Lenders isn't even a licensed entity in their own stupid state of Delaware! OMG! Now I'm really mad. You've got to be kidding me. Hello! Okay, for all of you who are dealing with Eastside Lenders, please now know they are not even licensed to do business in their own state, let alone the states we reside in. Oh, this will make for a WONDERFUL response to what's her face's email that I received today. Can you possibly believe this???

I researched a little on centrinex.com the other night after reading some posts. They are like a 'call center' that does mass communication for companies (like pdl's). They get a commission off what they collect. LOL! Isn't that some interesting information? Just to let you know.

Centrinex-that is who emailed me about my defaulted loan with One Step Cash!!!!!! They were actually the easiest for me to deal with-the second the AG contacted them they marked me PIF and promised me a refund which I never received, but it was only $15 so I wasn't concerned.

It is the same agency that contacted me regarding one step cash. I read them the riot act and so far so good. they have left me alone for about 2 weeks

You have to send Smith Haynes and Watson a proper debt validation letter requiring them to;
Prove that there client is licensed to lend in your state.
Prove that the charges do not exceed the interest laws of your state.
Show how they came up with the amount they say you owe.
Show any payments and how they were apllied to your account prior to their aquiring it. This requirement was established by the case Fields vs. Wilber Law firm, Donald L. Wilber and Kenneth Wilber USCA-02-C-0072, 7th Circuit Court, Sept. 2004

This must be sent by certified return receipt mail. Not email, not first class mail and do not waste your time talking to these people on the phone. Make sure you include a cease all communication paragraph.
Thay will not be able to validate this because they have nothing to substantiate there claim.
Smith, Haynes and Watson, the name sounds like they sell deli meat!

I need a sample letter to send them. I know its on here somewhere! Can someone post a link for the debt validation letter?

frog, you got a DV letter? :?:

I have seen debt validation letters on here...I am thinking either Polly or Anthony?? Cannr...did you email them back yet?? I agree I would copy the one from July with the date on it underlined!!!!

morningstarr, I haven't responded back to my friend at Eastside yet. I'm making them wait. Lord, they contacted me after a MONTH! After I had been trying to get a response out of them for TWO MONTHS! LOL! They can wait a few days! I do want to re-send my nasty email to them (that they never responded to) but I also now want to add (since I have just discovered this today) that they are not even licensed to do business! So I think what I'm going to do is send a "new" email stating they aren't even licensed to lend (duh) and re-state my facts and then copy and paste my last email to them. Gee, maybe that will refresh their memory.But I just really want to be sure I include the fact that they had the nerve to spout off their state law over mine and also threaten me with arbitration, all the while not even being licensed in the state they're in! Give me a break!

I just PM'd you a letter, bublefan!

bflow, you pm the usual pdl letter? The one that covers everything? I was going to look mine up on my email and pm it to buble, but if you've got it covered, then you've got it covered!

I sent a debt validation letter but I can send the pdl letter, I sent an all in one thing that covered, revoking authorization to debit, wage assignments, etc, etc...I will send it now!

Okay, cool. That's what I was going to send. The "cover it all" letter.

Thanks guys! I already sent Eastside Lenders SEVERAL letters stating the laws and all that other jazz. I honestly think they sent me to Smith Haynes and Watson. I want to know...is Smith Haynes and Watson a collection agency or a law firm??

I just googled Smith Haynes and Watson. All that comes up is Smith Haynes and Watson LLC and when I click on it, you can just send an email. Hell, send an email! LOL! :lol:

It just seems kinda fishy to me.....who are they?

bublefan, google on this site smith haynes and watson. There are posts about them. They date back to 2006; however, it's interesting reading. Check it out. I did a google search again and one of the links brought me back to this site. Apparently these guys are jokers who use illegal collection procedures. Just do a google search on this site. Read what is posted and you'll learn a little more. I think I even saw a telephone number.

Okay. I finally responded to my friends at Eastside Lenders. I refered back to my 8 million emails already sent. I'm glad I researched and found out that the emails coming from centrinex.com is a "call center" for collections of pld's and they earn a percentage of what they collect. Since that is now where the emails are coming from - not Eastside Lenders anymore. So my friend at centrinex.com said "can I come up with $415.00?" LOL! :lol: I believe I bombarded her email box today. I responded that obviously they hadn't read any of my previous correspondence, blah, blah, the whole story again. BUT I also added that Eastside Lenders was sure to send me a letter stating "arbitration" and stating they follow the laws of Delaware HOWEVER I could not find any license for Eastside Lenders in Delaware, so could they please send me their license number and the business name they are using to lend illegally in other states. LOL! :lol: I sent that and then re-sent EVERY SINGLE email I had going with Eastside Lenders. Shaniqua is going to have some mail in the morning! I'll keep you posted as to their reply. This is a new game. Lord, help me. :D

Good Luck Cannr....

Thanks, morningstarr! :D Shaniqua is going to have to get a cup of coffee to sit down and read all the emails I sent her when she goes to work in the morning! LOL! Oh! And she better email me back with their license number to do business. I'm sure I'll hold my breath for that email! LOL! Do you know what a thrill I'm getting here? Watch, it'll come back and bite me in the butt! This is kind of like playing with MTE!

Cannr...since they are the collection agency,you would also ask for debt validation, right??

Since I haven't been offically "told" I've been turned over to collections, I am assuming that centrinex.com is just working on behalf of Eastside Lenders. centrinex.com is like for when Eastside gets tired of dealing with me (LOL!)and they get it sent to them to do the emailing/calling and trying to collect the amount due. If they do get payment, then Eastside will have to pay them a percentage. I guess Eastside just doesn't want to deal with me anymore. However, I haven't been turned over like the other member who got turned over to that one collection company. Actually, I think it might be because they know that I know they can't really turn me over to collections because I stated to them (100 times) that my DFI says it is uncollectable since it's not a legal debt in my state and the collection agencies have no legal recourse for collecting it. However, if I do get turned over to a collection agency, then, yes, I would ask for a debt validation. But it's kind of funny. It went from a $300 loan from Eastside, to Eastside telling me I owe them $530, and now that centrinex.com is contacting me, it went down to "can you give us $415?". Talk about a crock! So, validate that!!! $300 to $530 to $415. Hello! :shock:

Wow...LOL...I think there is a book in there somewhere!!!!

What? :shock: Do I talk too much? Can you imagine sitting next to me in real life? :lol:

Hmmmm....... :? My friend, Shanquia, at centrinex.com didn't respond to my Eastside Lenders email. I'm hurt. :cry: Maybe I'll have to resend all the emails to her again. Oh! Maybe she's looking up the license number and name they are using to do business legally! That must be what it is! :lol:

cannr-I got my response from the Delaware BBB. It was a PDF file of a letter Shaniqua sent to the BBB. The letter states I refuse to work with or talk to them about my account and they are prepared to go to arbitration. That is complete BULLCRAP!!! I faxed 7 times and emailed 13 times and they didn't respond to me until after my account was closed! Oh, and of course the same old "we are located in Delaware and follow Delaware law, blah-blah-blah"
We know, Shaniqua, we know.Try another line, it's time to retire that one.
I'm really sick and tired of hearing them say that over and over...
How on earth do they get away with this?!?!

Oh, ald! I'm so excited to hear that Shaniqua is your friend, too! And I'm so excited to hear that they are prepared to go to arbitration with you, too! Maybe we can go together and hold hands during arbitration! LOL! :lol: This is just toooo funny. They can say we're not cooperating all they want to. And they can preach their state law all they want to. I'd love for them them show up for "arbitration". Oh, and please, do bring that license to do business in with you. LOL! :lol:

ald, be sure to respond to the BBB regarding Shaniqua's response. Put in there that they are not licensed in their own state to do business, let alone do business in your state. The BBB will forward your response to our friend. I think she'll enjoy that!

The only positive thing I can say about Shaniqua is that at least she used spell check responding to the BBB. How very formal of her to respond to the BBB using proper grammar. However, I'm a little insulted that she does not feel the need to use proper english when corresponding with me!

Oh, please, adl! You know that letter they sent to the BBB was one of thier "form" letters! If Shaniqua sent it herself, the BBB probably wouldn't have been able to understand it! LOL!

Cannr...no I didn't mean you talk to much!! I meant that with every thing that has to be done to clear some of these accounts...and with all the times you have had to email the same response...and all the things that go on...that would make a book if it was all out together...taking care of contacting them, emailing the right responses, etc...is like writing a book, chapter after chapter..

Guess who called me today?? You guessed it, Shaniqua from Eastside Lenders! I haven't heard from them in months! She left a message on my voicemail stating that I needed to call her...NOT!!! I will send ANOTHER letter to them. They are NOT licensed in Florida, nor are they licensed in Delaware! HELLO?? ARE THEY RETARDED????

I have overpaid them by $162.50 and I want my account PAID IN FULL!!!

buble - OMG! :shock: Shaniqua picked up the centrinex telephone and called you? Oh, hell no! Yes, send them the email again stating to only communicate with you via email or USPS. Shaniqua must have "overlooked" that part in the 40 letters you've already sent her. OMG! Hmm..... wonder if Shaniqua will try to call me. Actually, someone should be doing something, since the AG has contacted Eastside Lenders TWICE now with no response. Next will be the "you are ignoring us" letter from the AG. Shaniqua better be up for that one. I can not believe she called you. I still never received an email response from Shaniqua after asking her about their license number to operate legally under. Did you ask Shaniqua that question? If not, ask her in your email response. She'll like that. :D

She just left a message: "This is Sahaniqua from Eastside Lenders, Please return my call"...YEAH RIGHT! Not gonna happen in this lifetime! I also asked them for their licensed number and all that jazz..no response yet. They must be going through their list of people who have not paid yet. I have already filed a complaing with the Florida Department of FInancial Institutions and they sent Eastside Lenders a letter, but my rep hasn't responded to any of my emails.

buble, just send Shaniqua your email again. And again. And again. Either they're on there "call list" today and just going down the line calling people. Or they may have been contacted by your state agency and are now trying to cover their ass. Send the email and state again that you will NOT communicate via telephone (shaniqua isn't very bright. neither is tammy.) I'm wondering if maybe they received something from your state agency are are now trying to go around them and straight to you to "resolve" this. I've this happen with a number of pdl's. No go with me. Keep it all through email so there's documentation. And if they've been contacted by a state agency, I go through them. I can not stand it when the pdl's try to be sneakier than they already are and "go around" the agencies and try to get you directly. Hell no.

Cannr, do you have an email address for Shaniqua?

buble, here you are:

shanique(at)centrinex.com

Tell her cannr said "whassup?"

:lol:

hey cannr, do you have an email address for national credit adjusters?

karen, no email for them. Just their address. I've only been contacted by them via USPS. I'd like to keep it that way. LOL! :lol: Do you have their address?

yeah i have it. alot of good that does me, they still continue to call 5-6 times a day. even after faxing and sending letters

That's where I got lucky. They don't have my phone number. So they only contacted me via USPS. Which to me is a good thing. Everything will be documented. I did send them a debt validation letter to the address. I haven't heard anything back yet. But it's been kind of soon. Keep faxing and mailing the letters to them. Fax it like 20 times a friggin day. I wish to God they didn't have your phone number. It's a lot easier to bug the crap out of them when you know they aren't going to call you 50 times.