how do i get out of this mess?

Do you know of any gas stations that take checks?? I know out here in CA they dont. That was just lame...

However, CL Verify is not Chexsystems...they are different.

what ever! they can still revoke my rights to write checks on a closed account if they want to, it won't affect me any. what do they think we have debit cards for?

Karen-I am trying to point out that CL Verify does not revoke checking account rights or check writing privleges...closed or open. That is what they are "threatining" you with and I am letting you know that CL Verify does not impact checks.

ok thanx. been a very long frustrating day. but on the bright side, i actually got to go shopping today and buy some new stuff for my house. i used the money i was going to send collection cps for my cash club loan. but since they went ahead and reported to my credit without yet giving me any debt validation, i decided that they apparently didn't want it. so off to walmart i went. it actually felt good to beable to buy myself some things. sorry mr white.....

Isnt it nice to finally buy yourself a little something :wink:

hey can somebody tell me what michigan state laws are on ipdl"s

You will find the Payday loan laws for Michigan here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

karen, did you file complaints against the collection agency that hit your credit report? If not, file complaints with all agencies regarding this.

yes cannr i did. i filed an online dispute, and today i will be putting all hard copies in the mail, so that i can i have been questing debt validation

Karen you might want to remove your last name from your post on page 10. FYI

I just did it for her . . . . Only MODs can edit posts once they've been replied to. Thanks!

CL Verify compiles information on:

*Payday Advance inquiry and performance records

*Payday Advance MICR indexed fraud file

*MICR/Name/Address and SSN/Name/Address verification

*DDA Fraud Closure File

*Bank account-opening activity

*Deposit account collections history

*Check order history

*Retail NSF check-writing history

*High-risk address

*Drivers???????? license validation and verification

What CL Verify does is compile information from both your Chexsystems report and your SCAN report. They are mainly used by Payday lenders, so the chance of them affecting your check writing is low, but it is possible. If they have a two way street with SCAN, they report info as well as compile, then they absolutly could make it so you can't write a check somewhere. In fact, it has happened in the past.

thanx for that info goudah. i have no intentions of even opening a bank account until all of this drama is over!!!!!!

o.k. so i refiled again with the ag last night, and i am also refiling this morning with the FTC. hopefully this will help to get this account off of my credit

karen, I pm'd goudah regarding your multiple threads. She'll more than likely take care of it today. It's getting confusing now! :shock:

i know cannr, that's why i asked to have the other ones removed. sorry

so the ca responded to my bbb complaint by saying the need the letters i sent them to contain my signature. none of the letters they sent me contained any signatures, so why do they need a signature on the letter? they said my debt validation letter, and my cease and desist letters are not valid b/c i typed my name at the bottom instead of signing it. do i really have to physically sign the letters i send them?

sorry, that was me. i forgot to sign in first

That's unbelievable! Their pdl company accepted your typed signature as legally binding you to their contract. I guess that would make their contract not valid as well!!!

I've always signed letters. It is like signing a check, you have to or it is not valid (my landlady had to bring mine back once because I forgot to sign it). But I agree with lmk, it is not like they sign anything with an actual signature.

I was thinking the exact same thing. the ca has rejected each and everyone of my letters for one reason or another. on top of saying that i did not sign them, they are also saying they are form letters, and how the ftc frowns on frivalous form letters. they are just one big joke. never the less, they have already reported to my credit, and as far as i am concerned, it can't get any worse than that. so therefore, they will never have any chance of collecting any money from me. i will just have to suffer the hit on my credit

i don't trust them enough to sign any letters. what if they were to falsify some documents using my signature? all my loans are ipdl, so none of them have my actual signature. if i were to start signing things, then they would have signatures for me

ok national credit adjusters is back at it again. even though i have already sent them cease and desist letters, and debt validation, they are calling again. should i return the call, or just resend the letters?

karen, your CA is giving you the run around. I've been dealing with mine that reported me via email. I have faxed the documenation to them and have done all communicating through email. They have nothing with my physically handwritten signature. They are "working with me" (if you want to say that) and it's all through email. If you haven't already (and I think I already told you this somewhere), you need to file complaints regarding the CA reporting your account to the credit bureaus without validating the debt. File the complaints & really give detailed information to your state AG. They will get on it and the CA will have it removed. You don't have to "suffer the hit" on your report. This has to be removed. You just need to get your AG involved in this. Your CA is obviously not going to cooperate (and I do hope you're getting everything in writing - not phone calls). If you can show everything in written proof, send all copies to the AG. They will be on it.

thanx cannr. i already did that, i filed a report with the fair 1, and an attorney did contact me yesterday. i made him send me all verifying information of who he was b/c i was so paranoid that it was a scam. anyway, he says i have a case and he wants to sue that ca, but now i have national credit adjusters calling me. do you have an email address for them?

I don't have an email for them. I've just got the address. I mailed them their letter certified. I wish to GOD I had an email for them.

yeah me too. i already sent them letters, and they got them, and i am keeping my paper trail, but somedays i want to pick up the phone and cuss them out. nothing so far as to any debt validation, but if you don't mind, can you let me know what you said to them? i am getting ready to start typing some more letters, and i know quickest cash advance is an illegal ipdl, and never mind that i live in maryland. i have already told them i am willing to pay the last 70.00 i owe them(according to my calculations)but of course, no written response to that either. so maybe it is time for me to play hardball

It's WAY time to play hard ball. Your quickest-cash-advance. Did you already file with the BBB, the FTC, and the state AG? They will respond to the BBB with lies and a 'settlement' amount that will curl your hair. Do not accept it. Respond that they are illegal and you are not going to pay that amount. They will refuse any other offer except their own. The BBB will end up closing it. However, you'll have documentation. Print it all out. Your AG will contact them. They will most likely not respond the first time to the AG. The AG will contact them again. This is when you'll get the lies from quickest-cash-advance; however, they'll back down from the AG. Whoever you are dealing with, keep stressing the unlicensed/illegal fact regarding them. Your best bet is going to be the AG with them. On National Credit Adjusters, they "buy" loans. Basically tell them that they "bought" an illegal debt and it is uncollectable. However, after stating that fact, demand debt validation. They will NEVER be able to validate the debt. It says on there you have 30 to dispute it/ask for validation in writing. Write them. Tell them they "bought" an illegal debt (idiots). However, still ask for the debt validation (which they will NEVER be able to do). Anthony has an excellent debt validation letter on his posts. If you can find one of anthony's posts, there's a link to a debt validation letter. Use this. But put in your remarks regarding the fact that the debt is illegal and uncollectable.

thanx again cannr. off i go to type more letters. my eyes are already so tired from being on this computer, but hey, i got me into this mess, so i need to suffer the consequences. just suck it up and start typing. lol, you have been a great help to me

ok filed again with ag, the ftc and wrote nca a nice little letter telling them I'm sorry that they apparently misunderstood my first letter, because they still continue to contact me by phone. So....we'll see what happens tomorrow.

well...i sent nca more letters today, and suprisingly, this time they did not call afterwards. the last time i sent them faxes, i started getting calls 2 minutes after i got the confirmation sheet back. this time...nothing! maybe they are finally getting the hint that i did not want to talk on the phone. or could it be that i asked them if they were just as illegal as the ipdl they are trying to collect for?

bet they loved that. :lol:

Oh, karen. I just love it! Huh. No response. You either pissed them off or scared them. One or the other. Good for you for telling them that! :wink:

there has been a fraud alert placed on my credit report, can anybody tell me what that means?

Fraud alert messages notify potential credit grantors to verify your identification before extending credit in your name in case someone is using your information without your consent.

Did you place it on there?

no. the only thing i did was dispute the collection account the ca had placed on there

Fraud alerts are done by the individual, am I correct? When I was disputing my reports, there was the option of putting a fraud alert on my report. My brother did a fraud alert on his at one time. It's done by the individual, correct?

Yes, it is done by the individual. What I'm thinking is maybe you checked a box when you were doing your dispute and without realizing it put the fraud alert on your report.

What were you disputing regarding the collection account? That is wasn't yours? Or just that the info was wrong?

i told them that the ca continued to ignor my request for debt validation, and asked how they could report to my credit when they have yet to give me any valid information that it is my debt.

karen, I'm going to assume that you did this alert unknowingly. I did the same thing you did and there isn't an alert on mine. But I do remember it giving me the option of doing it. I just didn't choose to. I think it'll stay on fraud alert for like 30 days or something? Then you'll have to do it again if you want it to stay on there. I'm not positive. I'm just trying to remember what I said when I was disputing mine.

thanx cannr. i'll just have to continue monitoring it.

Oh, yes. Keep on checking it. I'm going to look at mine again in about a week. Just to see what other idiot hit it. I hope no one, but never take things for granted! As we have found out! I still just thank goudah for just "mentioning" to check my reports. I'll be darned if there wasn't one on there.

Karen, i pay true credit 15 bux a month and they monitor my report on all 3 bureaus for me... I love it and dont' find it all that expensive for them to do the work... anytime anything changes on my report they alert me via email and u can cancel at any time. I'm keeping it on mine as i like knowing when someone looks at it or if there is any changes in it!
Just an option,
Ang

ang, they notify you of ANYTHING? Even if someone just does an inquiry? Let alone if someone reports to it?

Yep Cannr, anytime anything happens on ur report from all 3 bureaus they notify u immeidately! Even if it's jsut someone checking ur report!
It's awesome! I think it's well worth the 15 bux a month!
Ang

I think I saw an advertisment for them while I was checking my reports. True Credit?

Yes it's truecredit.com I've been with them for about 6 months now and it's so easy and i have access to my reports 24/7 also... Like i said i think it's well worth the 15 bux a month!
Keeps my mind at ease,
Ang

that's how i found out the ca checked my report and then placed the collections account on there. i always get notified when any activity what so ever is happening on my report.

yea me too Karen and i like this idea a lot! Even when i applied for my latest loan they sent me something immediately letting me know someone had checked my report!
I love it,
Ang

ok i have sent national credit adjusters two c&d letters and they still continue to call me. mr david lassiter called me today, even though he just got my letter last week. i have already filed all of my complaints, and they still continue to leave messages on my voice mail. what else can i do?