Just got off the phone with WebPayDay - check it out...

Sounds like a couple of bumbling idiots!


Send them an email with the proposal....

you are being way too kind volley. :lol:

I am with volley, send an email.

I agree with the rest of the bunch, send an email, tell them to take it or leave it. Crimey sakes, they're lucky to be getting anything.

I say send the e-mail with a request that they mail you a hard copy of your agreement.

Update:

Mr.Nevilles never called me back yesterday. I got a call from Tamika Ivy this morning telling me i had a balance of $1700 and how i wanted to pay it. I told her about my conversations yesterday with Ms. Green and Mr. Nevilles... he said they were away and i told her my stance and she said i wasnt following the agreement and wanted me to pay a huge chunk over the phone. I told her to have Mr.Neveliies, the supervisor to call me and I am only paying the balance from the principal.

I want to send an email....how much should I tell them I will pay???

i need some help - thank you

Tell them you will pay the principal amount, and you want a physical address to send payments to, and you will only send money orders, period. Take it or leave it. This company is illegal, they can't sue you, they're lucky to get anything. Here's a thread about them, it might give you some ideas how to handle them.
http://www.debtconsolidationcare.com/settlement/legal-mitigation.html

Shazzers - please check out my email I want to send and let me know what you think

To Whom It May Concern,
After sending letters and faxes to you between the dates of 4/23/2008 and 4/30/2008 regarding my account and revoking your right to not debit my bank account or contact me via telephone, I am proposing the below payment arrangement to settle my account balance of $731.25 after paying $243.75 on my $975 loan. I am proposing to pay the remaining balance of $731.25 in 6 payments. After the 6th payment, I would ask that my account be marked Paid in Full.

If you agree to my proposal, I will drop all complaints filed on 4/23/2008 with the Attorney General????????s office of PA, the BBB and the PA Department of Financial Regulation.

Please send me a physical location (address) to mail the money orders to or no payments will be made.

I don't think I would withdrawal the complaints, no doubt they will probably come back with that as a counter offer anyway. I would delete that part. :)

I told the lady on the phone i filed complaints and sent them cease and desist letters and she wasnt phased... i was thinking it could wake them up?

Did you file them? I still wouldn't give them that option, you owe them nothing but the principal amount, but that's just me. I use to pressure the heck out of the pdl's I was involved in, I wouldn't give them anything other than what they were due to receive. But, like I said, that's just me. :) If you want to, I see no harm in it.

I did file complaints on the 23rd... I told them that as they could see with my letter they received. I sent it on the 23rd and she said they didnt get it till the 30th. I said no, customer service got it on the 23rd and didnt give it to collections until the 30th... not my fault.
OK- I sent the email..

i will keep you posted... so they are illegal which I told her and she said "we dont do anything illegal". I said PA law states the interest cant exceed 24% in a year and you are charging me 900% plus.... she was in aww...and was quiet then got her supervisor on the phone. Should be an interesting day if they call again.

OK...here is an update.

Sent them another C&D letter because they kept calling me at home and work using 4 different people...

Finally called this guy and he tried to act all nice and tell me I owed them $1700....I told him to take my offer of paying off the principal minus the fees paid and thats it... he then tried to explain to me the signed loan...i stopped him at his tracks and yelled and told him take it to his boss and either accept my proposal faxed over or dont.... either way - DO NOT call me again per my letters. He said he was going to talk to his boss and look at the fax with the proposal and email me if they accept it or not. I told him not to counter offer because its not going to be considered...Its been 2 hours and no email yet.... this is the 5th person that has called me from that place...one time the lady said her boss was in the break room and needed to call me back...I told her then I guess the message he lefft saying it was urgent was not that important... she didnt like my tone and went and got him off his butt and on the phone

refile your complaints,let your AG know what this place is doing.

I am doing it now and will get the letter out. This place is ridiclous!

Wow.. these people are morons!

Ok... now, they never got back to me via email on whether they accepted my offer or not and now they have called my phone 6 times this weekend. I have had enough of them. I told them NOT to contact me via telephone via my C&D letter sent several times to them. I am going to contact an attorney I used years ago on a debt collection issue where a company harassed me at work. I won and got that company to eat the supposed $2K I owed and they paid me $800. I am going after them now for harrassment. If they call tomorrow, I am going to tell them to mark my account paid in full or they are going to hear from my attorney. I will keep you posted.

Good luck Jt, I sure hope your attorney can work this out in your favor!

I got a call from a company that had on the caller id "Going Nuts"! I got their fax number and I am going to send the same letter that WebPayday got earlier to not call me on my job or at home.

PS: I might need the smiley with the guns blazing.

OK..

I sent them over a fax this morning with the items in the FDCA they violated. I told them I tried to work out a resolution, but they continue to ignore my C&D letters even though they acknowledged getting them. I told them I am considering legal action (which I am today) and that they mark my account paid in full as part of the agreement. I will see what happens!

they still havent replied via mail or email....

they keep calling (twice per day) and dont leave a message...they probably hope I call them so they can ignore the C&D orders.
I contacted the lawyer who worked with me before and he gave advice, but doesnt deal with PDLs... he said if it goes to collection and they harrass me, then he gets involved. He told me that if they are illegal and I paid the principal, then stay strong and dont give in.

jt,do you have the times they called?can you save there numbers from your caller id?i mean like digital snaps.you see,it doesn't matter if you talk to them or not.they are calling you.look into seeking damages for fdcpa violations.

Yes, I can take pics of the caller ID on my work phone and cell phone where they have been calling. I will do that when I get home with my camera.

good,just because they don't talk to you doesn't mean they aren't in violation.

JT, which company is this again??

webpayday

DUh, if I had look it was right there at the top of the screen!! LOL!

Just jumping in here for a minute....There are no fdcpa violations if the company is the original creditor. FDCPA only applies to third party collections....There is a law regarding telephone harassment if the creditor is not in the same state as you.

This info was provided by Cajunbulldog, you can check it out..


Quote:

Here is the link to the actual law cajun posted

http://www4.law.cornell.edu/uscode/html/uscode47/usc_sec_47_00000223----000-.html

They did not call me yesterday. I am sure they are planning their next step - possibly collections where they have no chance.

JT, Exactly...I was sent to collections by three or four of my pdls and I found it much easier, becuase the law backed me up and it was easier to hold them accountable.

Roxy,
how should I proceed with mypaydaloan.com?

I paid $500 on a $500 loan and they want $575 broken up into 10 payments of $57.50

I contacted the PA AG office and have not heard back....the PA banking system basically told me they cant help.

mypaydayloan.com operates out of Costa Rica.
i want to tell them to pound sand... but should I just pay them to get it over with or fight it and hope it goes to collections?

I just got another call from webpayday and they left a message. They act as though I never sent them anything and never spoke to them.

I am sending another letter telling them they violated the cease and desist letter and I have proof of them calling and now the voice message.

JT, stand firm. You owe them nothing. It is your choice if you want to pay them to shut them up. Tell them to pound sand. No matter what they do to you...if they are not licensed they do not have a legal leg to stand on....and they are not licensed!

As for webpayday...just keep logging all their calls and respond to the phone calls with emails...each and every time...bombard them if you have to.

Hi JT. I'm having problems with webpayday, also. Just a couple of weeks ago they advised me that my account was going to third party collections if I didn't pay them an enormous sum of money. I was actually glad because I thought it would be easier to deal with a CA. Wouldn't you know it, not a week after it was to be "auctioned off" I got a call from a different collector for webpayday offering to break the sum of what they say I owe (not really what I owe...) into 4 equal payments. This was AFTER the initial collector said there was no way that it could be broken up into more than 3 payments. They are so full of it. And you are right, they ignore C&D letters.

so, the collector wants the same amount?

Webpayday said they can break it up into 4 payments and thats it for double the loan. I loathe them.

I am waiting for a collection letter.

Yes. It was for the same amount that the collector who wanted 3 payments wanted. BUT, the funny thing is that the collector who wanted 3 payments said that the amount increases daily. I can't stand them either. I'm just going to wait on a collection letter, too because it's just too confusing to work with webpayday. None of them are on the same page. Let me know how yours turns out. By the way, the amount they want from me is for about 1 1/2 times the loan amount, too.

OK

Got an letter from the PA Attorney General's office and they assigned a Sr. Agent to my cases...



Funny...because today i received an email form WebPay day to only pay the principal minus the fees I already paid. Now, I am working on changing it from 4 payments to 8.

I am waiting to hear from the other PDLS I complained about.

Looks like a win!

Yeah JT!!!! It does look like a win and I guess they did not want to deal with the AG :D

Roxy - when its sent to collections does it go against your credit report?

JT, I can not remember specifics about your situationso here goes...if they are not licensed in your state and should not have lent to you then no, it should not. But that does not mean they will not try. Some here have had illegal pdls report to the (Credit Reporting Agency) CRA's. Monitor your credit report closely and if they do then you will need to dispute it with that CRA. I have not read where anyone has had difficulty disputing...usually it takes time but the entry is removed.

Have you been in contact with your States' Financial Regulatory Commission? (phone and address are probably on this site somewhere) They might be able to give you some help, as well. As PDL's are illegal in PA, they're probably VERY well acquainted w/ the company you're dealing with.

Ok, this company has been calling me the past week leaving messages after I sent several cease and desist letters. They have crossed the line. I offered to pay them the principal and it looked like we had a deal, but they reneged. I took pics of the caller ID on my phone and saved the voice messages

I sent them a threatening letter telling them to forgive the alleged debt due to their illegal collection practices of calling me at home and work and causing emotional stress to me and my family. my wife is livid!!
i told them I already have a case# from the AG of PA which is true and a SR. Agent assigned to the case and have consulted with an attorney for which i have....the attorney will take the case for the amount I owe WebPayday. if they accept, I will drop suit and not pursue legal action or complaints....and if they decline, I will pursue suit and possible get more money from them.

I sent the letter and gave them till 5/31 to reply.