Cease and Decist Letters
Date: Mon, 03/31/2008 - 19:33
I just read somewhere that "cease and decist" letters are only valid to 3rd parties such as collection agencies or attorneys, not the original creditor. Is this the case?
If so, cease and desist letters to the original PDL, such as AIP ( :twisted: ) for example, would not have any legal effect (and probably woudn't have any effect with AIP anyway :twisted: :evil: :twisted: ).
I've closed my checking account at my credit union where the PDL's deemed illegal are set up: AIP, Eastside Lenders, United Cash Loans, Impact Cash, and Total Lending. My credit union said that they do not force ACH's through that come through after the account is closed and make the account negative. They just say "account closed", and that's it. I was surprised by this, and I hope this is true because it was a "financial representative I spoke to, not the branch manager. I will clarify that tomorrow. But it sounds good on that front.
My concern is with the subsequent harassment I could face at my workplace, as I've mentioned before. I did file a complaint with the BBB in Deleware a few days ago on AIP. Anyway, I've protected myself from being "debited to infinity" by these people. I'm just worried about the storm/tornado to come. I just can't have disruptions at work because we get in trouble for personal phone calls and even explaining the situation to co-workers and superiors is highly embarassing, given that I've had financial matters come into the workplace in the past. I'm worried my job could be in jeopardy. I'm really worried about AIP - scared to death is more like it. :shock:
If so, cease and desist letters to the original PDL, such as AIP ( :twisted: ) for example, would not have any legal effect (and probably woudn't have any effect with AIP anyway :twisted: :evil: :twisted: ).
I've closed my checking account at my credit union where the PDL's deemed illegal are set up: AIP, Eastside Lenders, United Cash Loans, Impact Cash, and Total Lending. My credit union said that they do not force ACH's through that come through after the account is closed and make the account negative. They just say "account closed", and that's it. I was surprised by this, and I hope this is true because it was a "financial representative I spoke to, not the branch manager. I will clarify that tomorrow. But it sounds good on that front.
My concern is with the subsequent harassment I could face at my workplace, as I've mentioned before. I did file a complaint with the BBB in Deleware a few days ago on AIP. Anyway, I've protected myself from being "debited to infinity" by these people. I'm just worried about the storm/tornado to come. I just can't have disruptions at work because we get in trouble for personal phone calls and even explaining the situation to co-workers and superiors is highly embarassing, given that I've had financial matters come into the workplace in the past. I'm worried my job could be in jeopardy. I'm really worried about AIP - scared to death is more like it. :shock:
brian, are all telephone calls to your workplace transferred by
brian, are all telephone calls to your workplace transferred by a receptionist? Or do they come directly to you? Do you have voice mail? How do you handle incoming telephone calls at your workplace?
