Need and answer quick please.

it is an empty threat,i tell you the truth when i say more companies will try that.do not worry,they can't do anything but threaten.next time they call and you have to talk to them ask or else what?
just know they have no legal grounds,so they
have to scare you.keep the complaints and
refile them.

So since they are starting to threaten me should I make complaints to my AG and the BBB? The only thing Ive done so far on any of my PDL's is of course closed my account and I sent the cease and desist letters.

Hev-if these people are on line, do the following:

Close your account as soon as humanly possible.
Semt this person, either via email or certified mail (both is actually better) that you will be happy to pay the principle only, and then lay out what and when you will be paying. State that any further communications will be done by certified mail only. All phone calls to your job are to cease, legally that has to stop. By ending the phone contact; you stop the direct bullying and legally they have to abide by your request. Keep your payment arrangement! In my case, the company I let the company I had an issue with that for every phone call, I would deduct 25.00. I paid less than they asked and eventually the calls stopped. Do not allow them to access your account, new or old. Do not let them tell you that is the only way they accept payments. Always do Western Union or money order and keep your receipts and all communication. If this company is a storefront-deal with them directly and get it paid off. Internet lenders are ridiculous with a cap R. Stand tough and make them play by the rules. Demand that the phones calls cease and start deducting if you need to...

yes,do it.you sent your letters,now it's time to look into fdcpa violations.if you want to pm
jcemt,or skydiver.they can help you with that.but in the meantime,get those AG,BBB,AND FTC complaints out asap.

Sorry for the extra letters and poor grammar on that last post, these companies make me so angry and I am just not taking it anymore.

I just dont know how to properly complain to these places? What I should write etc

i'll pm some of the others to help.

We need to find out if its a 3rd party collection agency calling or internal collections for Geneva Roth....if its not 3rd party, fdcpa would not apply.

hevenly-do you know what ph# they were calling from?

Thank You so much!

A sample of what I sent was:

To Whom it May Concern:

In regards to the loan taken with your company, please be advised of the following:

Payments will be made to you on the following dates in the following amounts: (list dates and amounts)
The bank account access given to you has been recinded and the account has been closed; you no longer have my authorization for direct debit.
Phone contact will cease and all contact will be via certified mail only. For every telephone call you place to me; either at my home or at my place of employment-I will deduct $25.00. I hereby demand again, that all phone calls cease to both my home and my place of employment. I hope you give this very important matter the attention it deserves.

Sincerely,

She called from 800-351-8820 Ext 2306. When I called she just answered Hello (no company) and the automated system just says thank you for calling customer service.

Guest- I have sent them the letters already and closed the account. I have paid about 3 times over the loan amount so I dont owe anything. Thank you though :D

Then send a letter, fax, whatever that your business is through and state that all contact me via certified letter. This will stop soon enough.

That ph# is actually to Geneva Roth themselves, so unfortunately we cant use the fdcpa to nail them :(

In terms of complaints to the BBB, AG,etc....exactly what you just wrote in your initial post. Write exactly what happened.

It doesnt have to be sophisticated...just the facts. :)

Guest-thanks for the letters and advice :) but hevenly has closed the account and sent Geneva Roth cease and desist letters already.

Thank You VBM. So when I go to BBB.com I just type in Geneva Roth Cap or Loan Point USA? Does anyone know their address so I know Im complaining about the same company

Here ya go:
Geneva Roth Ventures
P.O. Box 148
Shawnee Mission, KS 66201
800-351-8820 ext. 247


And most importantly, just do not take any more of their calls!!! :evil:

I didnt plan on it but the way she sounded on my voicemail I literally thought she was calling from my city office or something so I called back just to make sure

Does your complaint concern employment practices?
Yes No
Does your complaint allege discrimination?
Yes No
Does your complaint allege civil rights violations?
Yes No
Has this complaint case ever been involved in litigation?
Yes No
Do I say yes to any of these?

No to those...

Volley, I have been visiting this site for about a year now and I just have to say thannk you to you, and all of the administrators that help people with this stuff. Taking your own self worth and power back is huge when dealing with these companies. They make you believe they can run "rough shot" and you have absolutely no say in what is done, and your moeny is not your own I am clear of my PDL's at this point, but some of them-I learned that when they couldn't provide me legitimate information, communicate in a professional decent manner, and get out of my bank account that I could and would stop paying them. Others (actually the majority) were paid off-but those that so sketchy and appearing to be almost criminal like, I stopped paying them. To everyone out there that thinks that you can't get out of what you have gotten into..take it from me, you absolutely, positively can. You are grown, take your power back. Make sure your basic needs are taken care of; shelter, food, utilities, and transportation-and then work the rest out. Just know that this is "doable" and this ridiculousness can and will stop, but do grow a set, and take charge.

Guest-Thank you! :D

And I am glad to hear you battled through your PDL mess. You hit the nail on the head "Taking your own self worth and power back"...that is sooooo true! These scum PDL's drain it right out of you and one day, you wake up, "grow a set" and say NO MORE!!!

I envision these people working in an old basement with rotary dial phones, mattresses on the floor and a single lightbulb dangling from the ceiling. SCUM!

And you know, I have watched and listened to a lot of financial programs that say the powers that be are taking a good hard look at these businesses-especially the internet lenders. The economy is so shaky and people are really having a struggle. They had better watch it, thanks to this site...we are now a force to be reckoned with. Thank you for all you do. And hevnly...hang in there girl...these people are crazy underhanded, you are smarter than they are..keep reminding yourself of this!

Thank you Guest!!

Ok here is what I said on the BBB....

Internet Payday Loan taken from Loan Point USA/Geneva Roth Ventures Loan taken 10/2/07 for $200. Starting in December I had sent numerous emails to them asking them to send me the form so I could pay them off. I received no form no email no phone no nothing. I made phone calls to them and kept getting hung up on. This continued until this past March when I started my own investigation against this company only to find out that they are un-licensed in Michigan and completely violated michigan's law. Up until March 21, 2008 I paid this company $60 very 2 weeks which adds up to about $780 just in fees, and giving me no opportunity to pay them off like I wanted too months ago. On March 24, 2008 I sent this company a Cease and Desist letter that basically stated Michigan laws and how they violated them, how they un-licensed in Michigan, that I closed my bank account and they were to only communicate with me via email or certified mail, no phone contact would be permitted. I also stated that they mark my account paid in full and send me a refund of $520. Up until today I have not heard anything from them. Today I recieved this phone call from A Ms. Shaw.....I just got a phone call at work from a Ms Shaw (no company) telling me that she recieved a complaint and is going to go ahead with voluntary proceedings against me and said my city where I reside. So I asked what it was regarding and she said well you will be shocked because I was...Did you know that the $60 every 2 weeks you were making on your loan point usa loan (geneva Roth) was not paying down the principal? I then said yea well the $780 I paid should have she then said well you did agree to a contract and they are demanding you to pay $1300 by tomorrow or ELSE!! I said go ahead then she said ok well I will then approve the legal action and hung up. I do not have any account ifo on my loan with them because it is impossible to contact them and at this point I consider this matter closed as they have received more money from me than allowed by law.

Your Desired Resolution:
The settlement I am looking for is my account with Loan Point USA/Geneva Roth Ventures to be marked paid in full. I would like the harassing calls at my workplace to stop. I would also like a refund in the amount of $520 meaning I paid them $260 which is the amount of the loan plus the $60 fee. Michigan law states that a loan can ONLY be renewed if it DOES NOT charge a fee.

Well the harassments at work are getting worse now...so Now my boss is calling our phone provider to see if we can get these calls blocked. This is so embarrassing

i hear ya,if you sent the c&d letter you should look into recording the calls.i know VBM said because the fdcpa doesn't apply that also doesn't mean they can or should be able to harras like they are at your job.

I cannot record the calls that are made to my work but I do have the voicemails saved. The worst part about this is they are not only calling my ext but my coworkers exts too

see if you can retrieve those messages somhow.you still should have some options.once they receive that C&D letter they are not allowed to call your job.

Anyone have the address' for GFS and E Dollars Direct?

GFS
US mailing address is 1005 Terminal Way, Suite 110, Reno, NV 89502. Their physical address is (all mail is forwarded here) Northway House, 1379 High Road, Whetstone, London, England N20 9LP. Phone number is 877-280-2343 and fax is 877-564-7740. Hope this helps

Thank you!!

Now I just need E Dollars Direct

So with GFS when Im filling a complaint with the BBB do I search US or the other Country?

Ok I was able to find edollarsdirect on the BBB site but I still cant find GFS. Somebody help!!

When your filing against GFS, just put US. Use the address of Terminal Way that kash poated. It's a US address. That's the one they "claim" is them, so use that one.

Hmmm when I searched the BBB that address did not come up. I know they have to be listed Im not the only one complaining about them lol. Im searching GFS and getting Gordon Food Services etc..no loan companies

No. They're not going to be "listed". This address is a "mail drop". When you file, just manually fill in the name and address when filing your complaint. It says on there if you can't find the listing, to type the information in.

Thank You. I finished filling my complaints with the BBB on all of them so now I just wait and keep my fingers crossed. So far since that last phone call I have heard nothing.

Another question..I have not given my HR/Payroll dept anything, do I need to?

just a letter revoking any wage assignments.cannr should have a template for you by tomorrow.that is all these pdl's can try,to push through a wage assignment,but that is totally revocable.

But in order for it to be revoked I have to revoke before they send it?

well,not exactly.they can try to pass it through,your HR should inform you before they honor it.to be safe though,you should give them the letter first and fill them in beforehand.heard of a couple of times someones HR allowed it,even with a revocation letter.so type up the letter and give it to your HR tomorrow if possible.

Great job, paul! I just love you!

hevnly, for your wage revoke letter, all you have to type is the name and address of the pdl at the top (you don't even have to date it), then type:

I hereby revoke any wage assignment I may have signed with your company, your partners, or any affiliates.

Then just type your name. Short and sweet. Wage assignments are totally voluntary and can be revoked at any time. It's just good to do it pretty quick BEFORE they have the chance to throw one at your employer. This way, you're already covered if they do it. Now, the problem lies (as paul was stating) with the employers sometimes. Some of them don't have a clue that a wage assignment is totally voluntary and DOES NOT have to be honored. When you type your letters, keep one for yourself, send one to the idiot pdls, give a copy to your HR/Payroll person for your file. You might also want to "educate" your HR/Payroll that this is a wage ASSIGNMENT, not GARNISHMENT - which means it can be revoked and you can refuse to honor it, okay? Especially if these are illegal companies - be sure and let your employer know that. That might open their eyes a little bit.

When I got a wage assignment sent to my employer, they FAXED it. Threw me off! I was expecting it to come in the mail. Nope. So, in big black magic marker, we wrote "We do not honor wage assignments" and faxed it back. Done. If you have any questions, just post!

Thanks Guys!