I HAVE BLOCKED MY ACH PAYMENTS

Just an FYI - They will not just contact you through the mail.

The original creditor does not have to stop phone contact. The fdcpa only applies to third party collectors. You can ask them not to call you, but they don't have to honor that request.

I have responses/success for the following companies:

One Click Cash:
compliancedepartment (@) oneclickcash.com

Impact Cash:
accountservices (@) impactpayments.com

United Cash:
customerservice (@) unitedcashloans.com

Hope that helps

Please dont post live email links per TOS - Goudah

Goudah, thank you as usual. I do have a question though, what good is it to send the C&D letter to all of these companies if it will not do anything?

from what i have read the past few days on this site, i should be sending these C&D letters along with the revokation information to each of these companies.

most of the ones i listed do not have their own site and are offshore companies. Does this mean that the money didn't come from them?

Thank you for the info ralphapena, it is sincerely appreciated. that gets three of them for me!

I haven't had any email returned from these addresses yet, but no response either:

MTE Financial
returns (@) invcity.com

Paydaymax
support (@) CreditProtectionDepot.com

Goudah, how do you distinguish between a third party and the actual creditor themselves?

A third party collector is a collection agency.

Personally, I don't think it's worth sending a C&D letter. You will just get a response saying that the fdcpa doesn't apply to them. I think you have the best chance for success when you only put relevant, correct information in your letters. But that is just my opinion, and many people do send a C&D letter too. But it has never stopped any calls from pdls.

I just wanted to point out that legally speaking, the information is irrelevant and incorrect, since those laws would not apply to the original creditor.

Great News! I have just started advising to contact the ACH Department of banks myself. It does make more sense to go straight to them, as many branch managers, tellers, CS people, etc. really don't know the working mechanics of those transactions. I know that they were very helpful when I needed info. Also, I think the hometown banks are more apt to work with you as you are a customer, not just an account number. That's what I found with my own bank. Glad to hear that things are starting to gel. Keep us posted.

Thank you again.

i plan to put all of the factual information in each letter, stating how much i borrowed, what i have paid back, what dates they were paid back, a copy of the florida law relating to how much they can charge, and ask for a PIF.

My concern is that i dont want these people contacting my office or my references, is there aything that i can do to stop that? i mean companies like 'Sandpoint Capital' is one of the offshore shady companies and i cant even find the contact info for them. same with B&L, B.I.G., MTE Financial, etc.

how do i know if these people are the actual creditors? or the third parties? etc.

i only have three that i legitimately owe on, which i have every intention of contacting them directly and paying, but without all of the interest.

i am just lost with the difference between who deposited and is debiting the money and who the real creditor is, any advice?

One more thing. . .try using the same address for my cash now as you did for Pay Day Max. They are both affiliated with CPD so the same would apply to them. Hope this helps.

B&L Marketing - customerservice(at)blmsinc.com

I-TJF
5700 Broadmoor St.
Mission, KS 66202
Phone - 816-822-0724
Fax - 866-224-8777
customerservice(at)thebmggroup.com

Hi Magic, What reason did you give your bank as to why you want all ach's blocked?

My opinion, for what it's worth, telling these companies to cease and desist contact with you other than via email or USPS isn't against the law, and some of these people who work for these illegal companies are dumber than a door knob anyway, yes, they may contact you anyway and you have no legal recourse to stop them for the most part -they are practicing illegal anyway and obviously don't care. However, there's always a chance they may NOT contact you, so I always say, what do you have to lose by requesting a cease and desist from them, all they can do is say NO. By the way, it did work for me with two pdl companies, but not all of them. Just sayin!

I read and did my homework here, and then called them.

Many suggested going in person, but being that i have a local bank and have been with them for many year, i know the V.P. of the bank, etc. I would howeverhad done that had i not received the reply i did.

Well first thing i did was went to the bank and closed the account.

Then i called the next day and said "my account is closed, but i have a pending ACH payment trying to come through... I then said that (and i was speaking to the main branch people, and more specifically the person in charge of ACH payments for the bank (this is the person i would suggest you go to), and explained to her that i closed the account to begin with was i received several emails stating money was going to be debited out of my account, and that it was illegal, that i have revoked any and all rights of any companies to doso, and opened another account"

Her reply was, yes sir, we will send this one that is pending back as 'closed account' and then not allow anymore. in fact, she even said that if any hard copy checks tried to come through that account, then i would be called by the bank, before any were approved.

i would highly suggest however, as is mentioned all in this website, to ENSURE that you inquire as to their ability to forcibly reopen your account with an ACH.

The best thing you can ask for is that ALL WITHDRAWLS ARE IMEEDIATELY FROZEN! Then close that account and open another.

I hope that helps and good luck! these people on this site are amazing, so keep the questions coming and someone will be there for you to answer, like they were for me and everyone else on this site!

Yeah, I'm not saying it won't work - I just believe that if you want to be taken seriously you should be quoting laws that actually apply to the situation. When you quote a law that doesn't, it makes it look like you don't always know what you are talking about.

It's really a personal decision - If you want to, go for it. I just wouldn't. :D

I understand Goudah, and thank you again as you are extremely knowledgeable and helpful.

Can you tell me the difference between the thrid party and actual creditors? three of the ones i have listed use a company called 'Credit Protection Depot', is this the lender, third party or otherwise?

thank you again

That would be the lender. It's just that in that case, the lender has a bunch of subsidiaries that it lends under. The original creditor would be the company you took the loan out with. Since CPD is the same company as the other ones, just the head company, they are still the original creditor.

If the original creditor contracts with or sells the debt to a third party collector (collection agency), then the fdcpa and such comes into play.

Thanks again Goudah!

Does this apply even though they are operating in my state illegally?

I mean, will / should the creditor understand that i have already overpaid them?

Or do these 'interest-fees' go to the third party company and NOT the original creditor?

I can contact some of the companies which i have the loans with, but ones like SandPoint Capital, i cant even locate nd have no idea who the original creditor is! is it SandPoint Capital?

I do not plan to walk away from my moral obligation to pay what i borrowed, but i just want to ensure that i am taking the correct next step.

Quote:

If you can't find them, and they don't contact you, well, that's their problem. You did all you could to satisfy your obligation.

Goudah, again, you rock!

So if i am perceiving this correctly, i should wait until they get the heads up from my bank that they cant get into my account anymore, and then wait until the collection agencies begin calling before sending out any letters?

what about garnishment? if i do not send them the letters revoking my permission to ACH anything or deduct anything from my paycheck through my employer, will they still do it? or do i at least need to send a letter stating that i am revoking any wage declarations?

I was except for a 300.00 loan yesterday said it would be in my account today have not recived it