how do i get out of this mess?

i just filed a compaint with the bbb for the collection agency that called my job on monday representing vip cash club. they have 83 compaints, and are not really resolving any of them. but at least i have somewhere to start. i wish i had an email address on them so i can send them the same letter i sent everyone else. i am actually liking the fact that i am taking control of this situation and not allowing them to take control over me. what a relief!

KAren, good for you. And yes the BBB is a good start. I started there, got my feet wet and moved on to the AG. Did the BBB have and e-mail address listed for the collection company?

no roxy, they did not have an email address for them-

Ok, I will keep looking..today is a crazy work day so it may take me a little while...You said you think there are more pdls than you listed. Check you bank statement and see who you have been paying, they should be listed on there. That will help you get th rest of the list together. Roxy.

Oh, I so loved this...VIP Cash is listed on the BBB as a financial planning organization..(I got the address and phone number off this site so I guess it is correct) ...OMG..that is new take on financial planning.... Yes, I want to plan to have no paycheck, not pay my bills and have no money :lol:

i could not find them in the BBB. if you get the chance, send me the info. but i will try again. I am getting ready to leave for work, so i will check back this evening. i just sent a cease/dismiss letter along with maryland state laws to payday services. this is actually getting to be fun. i'm sure it will probably get sticky for awhile, but hey, since they are illegal anyway, i guess they'll have to abide by my terms

Excellent job and yes, in a (somewhat demented) way this is fun. I am happy to hear you finding humor. I will get back to you with the rest.

i received a phone call from smith, haynes and watson this morning concerning my email. if it was concerning my email, then they clearly would have noticed that i was ceasing all communication by phone. they said they would be contacting my employer today to verify employment. i recent the cease/dismiss letter to her, stating apparently she misunderstood what i was saying, because she still found it necessary to call me this morning. i know for a fact my boss will not directly discuss any verifications with her, because we have already discussed what to say to anybody who calls the job looking for me. so he will politely let her know that she is in violation of a federal law by harasssing either of us on the job

Good job Karen. :D

Exactly what cannr said....I cannot imagine a "legal" collection agency collecting on an "illegal" debt. Or wait, yes I can. These people will stop at nothing.

That is why we are here , and work so hard. We will stop them. Volley, I think your letters, and my whistle trick are good starts in stopping this maddness

karen, thank God you have an intelligent boss. Now the stupid idiots will stop calling once they know they can't intimidate you or your boss. And, yes, they're going to call and continue to break the law. However, why stop breaking the law now? They just keep rolling along.........

I was happy to see her boss was working with her. Especially since I have read where some people get no support from their boss or the payroll dept.

I am lucky...nobody can verify my employment unless I issue them a validation code. AND its a 1-900#.

Kash-I need to go pick up a whistle today for WHEN and IF i answer the phone. Until then, onward with the letters!

What, volley? Verify employment? What? Don't you have the "HR Manual"? It states that any pdl calling the employer gets the standard "I'm sorry. They no longer work here." response. What's wrong with you??? :wink:

Yes me again, still can't get your messages cannr

Small hang-up on my part cannr, if my darn voice mail didnt have my name on it then i could get away with it ! :lol: Also, the ph# I gave all the pdl's for my office is my direct line.

Also, my boss is Joe Jackson...you know, Michael Jacksons dad. LOL!!

wow it has only been 2 days, and i came home today to 3 letters in the mail from collection agencies trying to collect on my loans. none of them have a contract enclosed. but i did get a letter from the people representing vip cash club, they are the ones who threatened to arrest my boss on monday. but once again, no contract. however the amount did go down by two dollars. so what do i do now?

after rereading the letter from the agency representing cash club vip, it is stating that i owe for a bad check. wow! maybe they should have enclosed a copy of the check i have written them! i really wish i had an email address for these people so i could blast them out.

OMG i really had to post this. after reading the back of the letter, it states that the state Rosenthal Fair Debt Collection Parctices Act and the federal Fair Dept Collection Practices Act require that they may not harass you by using threats of arrest. Collectors may not use false or misleading statements. and for the most part, they may not tell another person other than your attorney or spouse about your debt. Wow! they sent me that after threatening to arrest my boss so that he can go to california and testify in court about a contract they told him i had with hud housing. i want to call them so bad right now. what a crock!

Wow that is dumb. Here you go here is a statement letting you know that what we are doing is illegal! That is awesome. Hope you get in touch with them, they really need to be given a "what for"!

This is my response letter to cps.

Quote:

wow! yet another response. 4 in one day. How did i get so lucky? I do believe I will respond to this one asking if their collection agency is as illegal as them. What do you all think?

Quote:

Hey karen...we love ya' but be sure to remove your name/address when you cut/paste. :)

i will take that advice. but hey, i don't even live at that address anymore! they can continue sending as many notices as they would like

i apoligize for the copy and paste. anybody have any advice on how to deal with all the letters i am getting today?

KAren, you are doing great. Keep respnnding with your state laws as well and keep all the documentation. I researched VIP Cash and came up with this...the website I found is mydebtgone.com you can go there to research them. There was no email address for them on the site though. It was interesting reading. Take a look and let me know what you think. Roxy

Karen, you can find your state laws here
http://www.paydayloaninfo.org/states.cfm

click on your state on the map and they will come up. You can copy and past them to whatever word processing program you are using. Roxy

Karen, your response to your VIP collection agency was great. However, did you also ask them for a debt validation? That would shut them up for awhile, as they would be unable to validate the debt. But your response was great. As far as your email from MTE. Oh Lord. Must I say it again? Tell them "Bite me." Here's what they are more than likely going to do. They say "collections". Usually MTE uses their "own" collections. It's just a different department, but it's still them. Just like their "fraud department" they turned me over to. LOL! It was them, just a different department. If by chance they do send you to an "outside" collection agency, the collection agency is going to be illegal also. Ask them for a debt validation. Love to see illegal collection agencies validating an illegal debt from an illegal pdl. :wink:

hey roxy, everytime i do a search for that site, it shows up as a web loanz place. is this what you are getting? i did enclose copies of md state law to all three agencies i received letters from today. but i will redo them asking for debt validation.

Karen..Yes that is the one. The BBB has them listed as a Financial Planning Organization and this is their web site based on the phone number and address the BBB has. Interesting isn't it...They do pdl's though..you have to look for it but it is there. You are ding great!! Roxy

hey cannr, that is so funny, because i responded to their email asking if their collection agency was just as illegal as they are. they did not respond.

Karen, you go, girl! Be sure and ask (if they ever respond) to please inform you of the name and license number they are operating under. They will LOVE that one. Hmmm... every time I ask that question, I never hear from these people again......... :shock:

thanx to both of you. lol. i did ask for licensing numbers in all letters i sent out today. i also let vip know that they are coming up as a check service with the bbb, so i made sure i included md state law with that also. i offered the other two a settlement for 70.00 each, because according to my bank statement, this should be all i owe them. i did not know my account was 980.00 in the rear when i closed it out. my loans from all 8 pdl only totalled 1100. so according to me, i really don't owe any of them too much more money.

karen, keep us posted as to what's going on. If you run into any problems, let us know! :wink:

Karen you are great!!! I need to grow a pair of balls like yours to deal with my pdl situation. I admire your guts and determination. If you have an extra backbone could you please send it to me?? I am just getting started in this quest of resolving my pdl situation and I find this site great. These people really know what they are talking about. I thank the world I found this site. It sounds like you are doing a teriffic job in resolving these issues. I too feel compelled to pay back the principal that I borrowed even though my pdl are illeagal in Indiana. I wish you the best and will be following your progress.

thanx mwmammaroo. believe it or not, i just started this process on monday. i have been running scared for about 4 months now. total depression. scared to answer the phone, open the mail, everything. something about this site inspired me to stand up for myself. now if i could only do this with my soon to be ex husband, i would be on top of the world!

roo and karen, you are both doing fine! You're making me laugh! You'll be amazed at how "tough" you get once you're in the middle of dealing with these idiot people! I think I went from a "nice" person to a nasty you-know-what in a matter of a few months! LOL!

Karen I admire your response to all of this. I started my journey on Wed. Wow what I difference this site makes. I can only hope to repay the favors and help someone out of their mess when I get mine under control. I actually got into this mess when our mortgage payment became two months behind. I thought we would have the money to pay back all these loan in a two month period with my husbands new job. Turned out it was not all they had promised and he shortly went back to truck driving. So that meant living paycheck to paycheck and struggling to pay just the mortgage and utilities. Even the five weeks he worked at the high paying job the pdl companies were taking so much of the paycheck that we were again behind on bills. What a mess I have created for us. It has been hard to straighten it all out but since I have found this site my hopes are once again high. I hope this makes sense. I am going to try to grow some balls overnight, about the same size you have, and write my letters first thing in the morning if not tonight. Please keep posting so I can follow your progress. I have found myself completely addicted to this site now and reading every thread. We are so not alone. And it seems like we all had the best intentions when we took out these pdls. You know if I had the courage that you do, I would tell your illeagal companies to just f*** off and not pay them a dime. That would serve them right for doing illeagal activity. But I myself would feel obligated to pay them. So I totally understand if you do. Well off of my soap box. Follow what all these people say, they sure have helped me have a bright beginning in getting outa this mess.
Mammaroo

hey everyone, check this out. the address on the collection letter i received today for cash club vip actuall belongs to some mailbox place. i did a search on the address, and it does not even belong to the collection agency. wow, i wonder if i owe them any kind of respons what so ever!

Desert Runner Mailbox 36101 Bob Hope Drive Suite E5, Rancho Mirage, CA 92270 (760) 328-7110

oh yeah, one more thing. all my loans are on the internet, so technically these people don't even have any signed documents by me do they?

some of mine I had to fax documents. Did you have to sign and fax anything?

Your internet loans have your "electronic signature", which constitutes as you signing the loan documents.

got a call this morning from a company called grs, a search online shows they are located in india, but are licensed to practice in connecticut. anybody ever heard of them?

btw of all the 7 or 8 loans that i have, only 3 sent me contracts. the other ones just appeared in my bank account after i filled out an online application. i thought at that time how lucky i had gotten. i woke up one day and had 900.00 in the bank. couldn't figure out how i had gotten so many loans from one application. now i relieve how not so lucky i was.

karen, on the ones that didn't send you loan documents, request them. I can promise you that your "electronic signature" will be on them. The only ones that are honestly "no signature" are the "verbal agreements" done with pdl's via telephone. There are no documents period with them. But the internet ones, they'll have your "electronic signature".

what a freakin day! i went to kinko's this morning and faxed mr reginald white the letter that i typed yesterday, throwing all of his federal laws at him that were on the back of the bill he sent me, and once again asking for debt validation. ironically, all the papers i faxed him from kinko's, were faxed back to me at my job, saying that i apparently sent these to the wrong people. if i sent them to the wrong people, then how did they know who i am, and where i work? none of that information was included in the fax. he then left a message on my voicemail telling me that if payday loans are prohibited in maryland, then that means i broke the law twice. 10 minutes later he left another message attacking my religion, because my voicemail says "God bless and have a nice day, so he left a message telling me in that the book of proverbs says wicked are those who borrow money and don't return it. i don't get this man. i told him to send me debt validation, and then we could discuss payment options, so why does he continue to call and harass me?

this is the rebuttal that cps responded with to the bbb

First, we do not work for hud or any branch thereof, and do not collect debts for hud. So this sounds like a seperate issue.
Second, per your request, we will not contact you at work since this request does not need to be made in writing. Third a message was left with her reference in an attempt to locate her, which happens to be her boss. Fourth, requests for verification of said debt need to be made in writing to the address on the demand letter sent to your address, fifth, the money was wired to your bank account numbered 1117273445 so i dont know what additional proof you need. Lastly, if payday loans are prohibited in maryland and you knew that, then you may very well have violated that law willingly. Your creditor is located in michigan where you solicited them. You also have a pay day loan with the first bank of delaware according to our records so you must not have a problem in obtaining them.

Karen, flat out harrassment. Keep track of all calls. Do not take them. Just document them. Write the day, time, name, and what was said. File complaints against them regarding harrassment. And, no, you did not break any laws. They did. Not you. And they are now breaking even more.

Becuase he is a sad lonely hairy man, sitting on his couch in his pj's dialing the phone..sadly resigned to his fate and despising his own life so much so he takes it out on the rest of us...

Seriously Karen, I am sorry you had a rough time with this and you are right about the fax thing. Unfortunately these people are going to pull every trick in the pdl manual and harrass the heck out of you. Keep track of the date, time, name of the person and make notes regarding the message they leave. Respond to them only in writing. Do not take calls from them. Every time they call fire a letter or e-mail back at them. Keep copies of every thing and when you send your letter be sure at the bottom to CC: the BBB and your state regulating agency. And include these messages in your filings. I am sorry you had to go through this today. If you need anything let us know. roxy