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Date: Thu, 08/30/2007 - 05:10

Submitted by RoxyNY
on Thu, 08/30/2007 - 05:10

Posts: 4178 Credits: [Donate]

Total Replies: 69


I received an e-mail from Payday Loan Yes...(CashNet) today... we are experiencing a problem with your checking account and I was instructed to contact Tim Atkins, Branch Manager.

YA THINK!!! Yest there is a problem with my account, you people have robbed me blind......

Anyway....I was going to e-mail him back with a copy of the letter I sent, faxed etc. Should I. Like I have said. I would much rather argue in writing, a) I am better at it and b) then I have written documentation. I also would at least like to be available for contact in an effort to keep them from calling me.


roxy, congratulations on the first one! On the second one, do NOT take it personally. This is a "form letter" email that the pdl's send out to everyone. Must be from page 436 of the PDL Bible entitled "Form Letters To Email". Believe me. It is a generic form letter. You will probably see more of them. Aren't they fun? But you got one PIF! Good going! :D


lrhall41

Submitted by cannr on Tue, 09/04/2007 - 11:35

( Posts: 9317 | Credits: )


Roxy, you already know about how you have to deal with paydaycashlink. Since you have overpaid on the account, send all correspondence to the AG of your state and request them to investigate on the company. You will pay only that much that your state laws allow and not a single dime extra.

Why not you start a new topic on the success story forum and write about INSTANT LOAN NOW. It will encourage others and learn from your experiences.


lrhall41

Submitted by a_neblat on Tue, 09/04/2007 - 11:47

( Posts: 407 | Credits: )


Thanks A..it is on there too. I put it here because I did not know about success stories.. I guess it would have helped me to scroll to the bottom of the page. .. I just found it today. Initially when I posted this morning, I did not know about the refund. I was just happy to get the PIF and to know there would be one less company e-mailing and one less calling. :D


lrhall41

Submitted by RoxyNY on Tue, 09/04/2007 - 11:53

( Posts: 4178 | Credits: )


Please, please, please tell me they can not do this and it is not as bad as it sounds. I do not need this. I received this today...

Quote:

Dear , XXX
Our records indicate that you are past due with our company; Should your account remain outstanding it will be forwarded to outside collections. Fees and interest rates were included in the agreement prior to receiving the loan, and continue to acquire towards your balance as it remains unpaid. By contacting us we are able to stop these fees from applying as well as withhold your account from further collections, please contact us as soon as possible. We will also continue to contact you at the numbers listed on your account until arrangements are made. Payments are accepted via credit/debit card or via ACH withdrawal through an active checking account. You can contact me via email or at the number below. Please include either the full name on the account, the application ID #, or your social security # in order to locate your file.

Credit/Debit Info:

Name as shown on card
Card #
Expiration Date
3-digit security code on back of card
Billing address

ACH Transaction:

Bank Name
Name on Account
Routing #
Account #

Thank you.

Torri Sant
Impact Cash
1-800-707-0102 ext. 504
Monday-Friday, 7-11am (MST)
tsant(at)impactpayments.com

Our hours of operation are Monday-Friday, 7am-7pm Mountain Standard Time. Please include your social security or your application ID number when replying, allow 1-2 business days for response, for time sensitive cases call the number above.

*You must notify this office within 30 days after receiving the first notice if you dispute the validity of the debt or any portion thereof or the office will assume the debt is valid. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.*





I am about to be ill... Outside collections??? Now what do I do?


lrhall41

Submitted by RoxyNY on Wed, 09/05/2007 - 07:10

( Posts: 4178 | Credits: )


roxy, calm down. It's okay. Illegal company. Remember? Most likely the "outside collection agency" will be illegal also. This may be a scare tactic to get you to call them. It's okay. They kept insisting they are going to keep calling you and also that the fees will continue to be charged. Here is what I would do. Email them (again) your original pdl letter stating everything. Remind them that they are illegal. It is now time to not "be nice", roxy. You need to fire back on this one. I'm being serious. Resend your pdl letter, remind them they are illegal, tell them not to contact you via telephone. Fight them. And, I mean it. Be sure you include in your email that the government agencies have been contacted regarding them and they will be contacted by them. Please do this. You need to be firm this time, roxy. They are still illegal! They are still threatening you! Fight this one, girlfriend. Email them back.


lrhall41

Submitted by cannr on Wed, 09/05/2007 - 07:17

( Posts: 9317 | Credits: )


Also - on your email - at the bottom - put:
cc: Better Business Bureau
Federal Trade Commission
(Your state) Attorney General Office


lrhall41

Submitted by cannr on Wed, 09/05/2007 - 07:18

( Posts: 9317 | Credits: )


Kash- atleast we would have fund there. Ok guys here is ther response I just got from Impact Cash...
[size=9]
Quote:

Thank you for your response, I have spoken with supervisors here at impact cash and they have advised me in this response to you. Yes the payday loans may be illegal in the state of Kentucky, this is a brick and mortar law, we have no actual office in the state of Kentucky and you came looking for a loan on the Internet, therefore making this law applicable in your situation. If you do not want us contacting you at the numbers you have listed on your loan documents we will need other numbers for telephone contact with you. Until your loan balance is paid off in full with our company phone calls and email contact will continue. Thank you. If you would like to respond you may do so via email or contact me @ 1 800 707 0102 ext 504. Also if you are interested in speaking with a supervisor that is available. Thank you

How convenient for them. And they are refusing to stop calling me. Ok...I am pissed now!!!


lrhall41

Submitted by RoxyNY on Wed, 09/05/2007 - 08:54

( Posts: 4178 | Credits: )


Actually, Brick and Mortar law is a term used to describe laws that only apply to businesses that have physical locations in that state.

They are saying that your state has no jurisdiction over them because they don't have any physical locations there. Unfortunatly for them, if I remember correctly, Kentucky law does not only cover "brick and mortar" businesses. It covers any business that transacts with a consumer in that state. So they would be under the jurisdiction of Kentucky law.


lrhall41

Submitted by goudah2424 on Wed, 09/05/2007 - 09:09

( Posts: 7935 | Credits: )


Okay, they are partially correct. Kentucky does only license "brick and mortar" businesses. To get a license in KY you must have a storefront. They will not license you otherwise. BUT - They do seem to require that the company be licensed to lend in KY. So since they cannot possibly be licensed, they cannot do business.
read lrc.ky.gov/KRS/286-09/020.PDF

If you haven't already, I would PM Cannr and ask if she has anything else. She is from KY and I know she has some information from the Dept of Banking that says the business must be licensed by KY to lend legally.


lrhall41

Submitted by goudah2424 on Wed, 09/05/2007 - 09:40

( Posts: 7935 | Credits: )