AIS Services

Great going Cannr. It is a royal pain fighting all this stuff all the time, but once again you have proven that it is worth it. Nice work

Awesome and congrats!! Silly that someone would report an illegal loan....LOL!!!

Congrats Cannr, I had no doubt that they would remove it but it stinks that it had to happen in the first place.

Good job & congrats girlie! all of your hard work paid off!!!

Congratulations, cannr. I am so glad you got that taken off your credit report!!!1

ooops that was me :oops: ...i didn't realize I was logged off!!!

Thanks, guys! I went ahead and emailed the CA again though. Man, I'm a hound! I told them I still haven't received anything in the mail! Hello! But, yes, it has been removed already. It said DELETED. Oh, I was so thrilled! However, I still want a letter mailed to me from them via USPS stating everything. Yes, I have email, but you know how I am! Ooohhh. DELETED. It was awesome just seeing it. Stupid for putting it on there in the first place, but nice to see it gone! :D

I say continue to harass them until you get that letter!!!! See how they like it!

Oh, volley. Have no fear. I will. I saw the "deleted" from my credit report over the weekend. So Sunday night I sent them an email asking where is my letter? They did respond saying they sent it. I said I didn't get it. Mail it. I'll give them a few days. Then I'll email again. I don't believe they understand that I love to email! :twisted:

Congrats Cannr. Now, I don't want to dig up old info, but when you first disputed with AIS, what was their response? How did this end up going from illegal loan, to going to AIS, to being placed on your credit report, to getting removed, and now expecting a letter from AIS?
I'm telling you, they had better not try this with me. I'm the wrong guy to do this to, especially if I'm covered by law. If you think collection agencies like to make calls, they haven't seen anything yet. I'll call these fools 24/7 until they fix it. I'll even call them at home. I don't really care. I really hope it doesn't get to this, but trust me, I'm not gonna take it sitting down.
Oh, was ranting. Back to my question, if this was an illegal loan, how did AIS respond? I mean how did they validate, etc etc?

sub, this was an illegal pdl. I actually OVERpaid the loan, filed complaints, got contacted by the illegal pdl, was refunded my overpayment, and the account was closed by the illegal pdl. However, then I got a phone call at work from AIS stating I owed xxx dollars to illegal pdl. After asking questions, I found they were a collection agency. They never sent me a thing. Just called me. I researched to find out all their information. I explained to the guy on the phone the loan was illegal/paid/overpaid/refunded/closed. He asked me to fax over documentation stating that. Which I did. I have ALL my emails from pdls. Never heard from him again. Goudah told me to check my credit reports. I did. There it was. So I began emailing the collection agency at every email I had and every fax number I had. One of them happened to be their corporate office. So I got a reply from one of my emails. We went back and forth, had the fax the information again, then was told by corporate that it was closed and would be taken off my credit report. This is the kicker though (and why I filed my complaints mainly). They never sent me anything. Nothing. No validation. No nothing. The illegal pdl just "sold" my account (idiots) to a collection agency who called me (no documentation) and then placed a negative mark on my credit report. Nothing in writing. No validation. No nothing. So watch out for them, sub. :wink:

Way to go Cannr - a poetic end to all your hard work. It just goes to show everyone to not give up. It may take time and energy but in the end it is truly worth it.

Thanks, mperez! Glad to see you, by the way! :D Yeah, at least this experience does show that if they do get retarded and it ends up on your credit report, it is possible to have it removed. So it went all the way from applying for a loan to ending up on my credit report. So I have at least ONE pdl that pretty much "did it all"! LOL! At least I can share the experience now!

Yeah, I'm staring to wonder Cannr. I haven't heard a word from AIS, even though Aarowhead said it was turned over to them. AIS has an office in Washington, and if they screw this up I'll definitely sue them here. I don't have to mess around with trying to sue someone out of state. You can sue also Cannr, I think 1000 is the limit, but it's better than nothing. If they don't offer debt validation, they're in violation of the law.

I'm glad to see this got removed! Yay!

They also placed a negative mark on my credit report because of my IPDL with Cash Supply. However, I have been paying Cash Supply through my dmp. Is there a way that I can get this removed? They placed it on my credit report without validating it, first.

debtfree-Did you send them a letter demanding that they validate it?

I sent them the DV letter, and all they sent me was the original loan documents.

debt, yes you can get this removed! These idiots didn't send me squat! I didn't even have the opportunity to demand debt validation! They just reported me, the idiots! I have an email of the lady you would need to send an email to regarding getting them off your reports since this an illegal debt. If you need it, let me know. Also, dispute it with all 3 credit bureaus. Let them know this is an illegal debt and no validation was provided.

Well, they did send me the loan documents, and I didn't pay anything on the loan. But, they placed the mark on my file withouth validating anything first, and when I called AIS they said that they could put it on there without validating it first.

debt, are they aware this is an ILLEGAL debt? And, they do have to give you debt validation, which is NOT just your stupid loan documents. That is not validation. Do you want the chick's email that I dealt with?

Totally!

Hang on. I'm looking it up in my email and I'm going to pm it to you. :D

Thanks!

My pleasure! :D Let me know how it goes.

Can you let you me know what you said to her, or how you started everything?

pm box, baby. :wink:

Sweet, thanks!

Okay, canr, I emailed her. Let's see what happens!

Oh, keep me posted! I know she will respond. It's just a matter of "how" will she respond? :shock:

I still haven't heard anything from her. So, we'll see.

Huh. She was pretty damn quick with me. Kinda confuses me. Unless you've "thrown her off". LOL!

No idea.

I see that the last post was last year but I have just been sent notices from SSM Group, CMG Group, Midland Financial and MW Marketing that my accounts, that I have overpaid on, have been sent to AIS for collection. I have learned through the various forums that payday loans are illegal in NYS, where I am from and I am taking steps to close my account and send C&D letters out. Is there anything else that I should be doing based on your experience with AIS? Any information would be appreciated.