PDL Help

I finally heard from zipcash, they said they got my letter and its being reviewed by counsel.

NM, scare tatic. I am sure that you will be hearing from them soon. Most likely saying something to the effect that MD laws do not apply to them. Hopefully they will decide not to mess with you. Let us know what they say and we can help you with it if needed.

i got that one take care of, now i have someplace called united processing calling my work, they left a message stateing that they are starting legal proceedings and that i need to get an attorney. they're number is: 954-237-6824 - i've never heard of them i'm assuming its a collections company, should i call them back?

NO, you do not want to call them back. Do not take phone calls. Remember communicate in writing as much as possible.

Had to go verify some info...they are pretty scary. I remembered the name and checked some posts. They usually threaten you with someone comming to your work to arrest you and other fun stuff.

NM, I sent you a pm. Let me know if you did not get it.

roxy, you're right, my friend. These are the guys that threaten "arrest" and "warrants" and claim they are the frigging FBI. nm, if they start throwing all this illegal threatening crap at you, do not be alarmed. They are insane.

It seems the Holidays are bringing out the "best" :twisted: in people this week...there seems to be alot of insanity from the companies on the board.

Roxy i got ur pm and will be sending that out today - they cant really put a warrent out can they? this is crazy :( shouldnt the original company have abided by my letter? there shouldnt be any non email-mail contact at all

i just made the mistake of calling to confirm the company name so that i dont send this to the wrong place and this guy tells me that they're going to have me arrested and that people are on there way - i mean can they really do that, is that possible. i'm so panicking.

ohh and "Mr wilson" says that they're legal counsel - gore this is such a mess

NM, they can not arrest you. It is their favorite scare tatic. That is why I posted that information to this thread earlier. I have seeen so many members scared to death by them. I did not want you to worry when they made their threats. If they call again, tell them to come and get you. You will be waiting and hang up.

ok - this is just insane, what kind of person would threaten that - all i wanted was to be sure of the company name and info, i was very polite and he refused to give it and wouldnt even state the company name when he answered the phone and then started making threats. can you confirm that addy with the number i have for them: 954-237-6824

Arrest you? Oh My! I think that is the most ridiculous thing I have ever heard of.
They can not arrest you at all!

I got the address from this site. I read where they are tied to Bass and Ellis Recovery Services. Here is the information I could find on Ellis.



I would send the letter to both addresses if possible. I also pm'd you something else.

thank you roxy :) well i jsut popped out and mailed the letter to UP, i made sure to send it certified and get a return receipt. so hopefully in a week or so they will stop - its jsut so upsetting to have some one say that, i've never even had a parking ticket. lol you would think ppl would be better humans that to upset someone to that level.

They upset people on many levels. That is what they do best.

Exactly as Kash pointed out. I faxed mine to too expedite the process. It worked with one. Just remember to remove the senders name from your fax. :wink: Now you can focus on having a good Thanksgiving Day and deal with the rest on Monday...

i got a call from the following number 816-423-5796, they a vm telling me to call them tonight, she sounded nice enough but did not identify the company she was calling from and gave me the following number to call her back on but when i do so that i can get the company name it says that the number has been disconnected or some such: 866-504-7548 - any ideas what co this might be?

* 816-423-5796 * This phone number is for:

PHOENIX debt management
PO BOX 11127
KANSAS CITY, MO 64119

* 866-504-7548 * This phone number is for the same company.

thank you cannr - i'll send the the same letter i sent the other collection company - i've never seen accounts go into collections so fast, i mean its only been a couple weeks. they really move on these

nm, they think they're going to SCARE you by sending it to some idiot collection agency! Spooky, huh? :lol: Send the debt validation letter since this is a collection agency. Let them validate an illegal debt. :wink:

you dont have a fax for them off chance do you? lol

well they do a good job of scaring me, my blood pressure is pretty high with all of this, better start eating oatmeal hehehe

Funny... :? I called the first number and it just rang and rang. Then I called the second number and it buzzes like it's not a "good number". So I googled the idiots. Here's what comes up:

Phoenix debt management
7007 NE Parvin Rd
Kansas City, MO 64117
(816) 413-9000

And, get this, the number on this one (816-413-9000) is a FAX NUMBER!

LOL gore its like trying to pin down soap bubbles with these people.

It looks like this second address is a physical address rather than a PO Box, which could be a good thing. And, I called the phone number associated with it and it squeals in my ear like a fax. Hell, I love sitting here dialing numbers from work to find out who people are! LOL!

lol glad to be of service - any time you want a number to call, i'm your girl hehehehe
thank you for looking that up for me, i'll send the letter to the address and fax number.

Great! You have a debt validation letter to send them?

yes i have the one from the other company i just switched out the adress and name.

thank you :)

It is MY PLEASURE! :D

I just got a letter back from united processing, saying they dont have me in their system and have never heard of me, and that maybe there is another company using their name. not sure what to make of that. any thoughts?

Huh? They never heard of you? Whatever. Just keep that letter in case they DO decide they've "heard of you". Keep it, keep it, keep it.

i'm wondering though if maybe i did send it to the wrong co, maybe they did use a false name - can anyone run that number that they gave and see what it turns up?

i rec'd a call and email from onestepcash today saying i'm not responding to emails and calls and still owe 305, but i paid 605 on a 300 loan, so i emailed them the letter yet again. This is really getting me upset, they just dont seem to get it or something.

nm, the game gets REAL old after awhile; however, you're doing the right thing. Just keep sending the same letter to them over and over. I know it's boring and old and tiresome. But you will have documentation that you have been contacting them & maybe one day they'll actually acknowledge your emails.

what are the the rules for PDL's in Wisconsin, i might be moving there and am not sure if thts going to effect whats going on right now.

nm, you mean the pdl law for Wisconsin? I'm thinking that's what you mean. So I'm posting the Wisconsin state pdl law for you to see. :D

You will find the Payday loan laws for Wisconsin here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Cannr, Things would not change just becase NM is moving would they. Wouldn't the laws of the state NM was a residence of when the pdls were taken out apply.

Whatever state nm was in when the pdls were taken out would be the state nm has to "stick" with. We have one member who had pdls taken out in one state, then moved to another state and had pdls taken out. We had to separate each pdl according to what state the member was in during each pdl. So, each pdl had to be handled differently according to the state pdl law where the member was when it was taken out. Talk about confusing! :lol:

So, NM no worries about where you are moving to. You do not need to worry about the laws there. Your moving should not effect what you have going on now.

NM,
I lived in Florida when I took out two loans and then moved to NJ and took out other PDL's. I had to use the Fl law for the two loans I had in FL and the NJ law for the other loans I took out. IN both cases the AG's office in both states were cooperative . Now, I filed compliants with the BBB in the states the PDL's where located and I file compliants with the Federal Trade Commission on all of them, just for good measure. 8)

David

thank you all for your replies and help, i'm glad moving wont affect anything - does anyone have an address for UnitedPay Services - i heard they went out of business 2 yrs ago, but they're calling me lately and leaving those i'm going to have you arrested messages.

nm, I found this on another thread after doing a search on the name. Sounds pretty darn spooky to me. Put in United Pay Services in the search box in the right hand corner and read some threads about these illegal people. I'm posting just one of the items I came across:

thank you cannr - its hard to believe that these ppl can still operate. the loan from apollo turned me over them them and from another email it looks liek they turned me over to ais also, so its kinda like trying to collect twice, plus on the second email where they say my account has been turned over to ais, they say that my original account was with ftp processing, which is odd cause i've never heard of them. i'm trying to get these letters out to everyone who might possibly be collecting as it were. I'll report united pay to the bbb.

From the other posts I read regarding United Pay Services, it's some kind of scam. They make you pay money and it doesn't even go towards the pdl. Good Lord! Now you have 8 million different collection agencies saying they have your account. Wonderful. Have you been contacted by the actual collection agencies? Or is the pdl just "saying" you have been turned over? (Because I have dealt with AIS - crap!). If you have been contacted by a collection agency (or 10!), send them ALL a debt validation letter. We'll see who can validate the debt. Watch out for these collection agencies. AIS reported me to the credit bureaus. Had to kick and scream and dispute, but I did get it deleted.

well i've been contact by unitedpay thats when they claimed they were united processing - - i rec'd a letter from apollo paydayloan saying my account with "ftr processing" (who i've never heard of) had been turned over to AIS ( i havent heard from AIS)- I get emails or calls from OneStepCash every so often telling me they cant reach me and they're going to take the next step. I settled with one company and got a letter saying i dont owe them anything and i havent heard from the other co's at all, which is kinda weird since i offered 3 of them the rest of the prinicple money. Guess they dont want it? ohh i do keep getting calls from this number though at work and on my cell but no messages: 305-800-1000

That phone number looks familiar. It's a "bogus" number. I've seen it posted a lot. I'm glad to hear that one company has marked you as PIF. If you haven't heard from the others yet, just wait it out. They will contact you eventually. Until you hear or received something from AIS, FTR, or whoever they decide to turn your account over to, do nothing. When these "collection agencies" attempt to collect this debt, slap the debt validation letter on them.

Can anyone find out who this number belongs too, it dosnt come up on any of my searches:803-367-1832

my cash now - is driving me crazy, every email to them comes back as unsendable and now they're offering me a settlement offer thats 457 dollar settlement when the loan was only 400 dollars, I have already paid 341 in fee's and stuff and in my letter them offered them 59 dollars. which i think is all i owe them since that pays off the prinicple. this is crazy, if my mail cant reach them how is this supposed to work? i've already sent on formal letter through the mail in nov. and havnt gotten any response other than these emails telling me that my accont is being sent to further collections if i dont pay them in 10 days. I've found 4 addresses for these ppl i guess i'll send emails too all of them. Does anyone have a Fax number or diffrent email for them?? Has anyone had any experience with them?