Please Help!! I have several questions

You might want to start by sending them a debt validation letter. This will inform them that you are invoking certain rights under the fair debt collections act. Here is a "go-by" I found on this site;
YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT#

To whom it may concern:

This letter is being sent to you in response to a notice sent to me dated Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.


Thank you,

PDM doesn't have a clue what you paid or didn't pay and isn't going to do the work to validate it. The bought the loan from Discount Advances at whatever balance Discount Advances said it was. I'd send the letter and then when they violate it (which they WILL) you have grounds to sue them for an 1.

Thanks guys for your response. For some reason I didn't know I had received a response. I think the above company has sent me somewhere else as I have not received any phone calls. I faxed them a copy of one of the many payments I have made toward the loan and haven't heard anything back from them. Should I call? I am scared that if I do not then they will or have already sent me somewhere worse!

Thanks guys for your response. For some reason I didn't know I had received a response. I think the above company has sent me somewhere else as I have not received any phone calls. I faxed them a copy of one of the many payments I have made toward the loan and haven't heard anything back from them. Should I call? I am scared that if I do not then they will or have already sent me somewhere worse!

USE TO WORK FOR PDM 4 MONTHS AGO.FIRST OFF THEY TRY TO SCARE YOU WITH THE MUMBO JUMBO(WERE GOING TO FOWARD THIS TO THE PROPER AUTHORITES)THE ONLY NEG THING THAT CAN HAPPEN IS IT POPING ON YOUR CREDIT.PDM RUNS A ILLEGAL CHOP SHOP.I STARTED TO GET SCARED SO I QUIT.IT'S JUST A MATTER OF TIME BEFORE SOMEONE SMART ENOUGH COMPLAINS.UNDERSTAND EVERYTHING THEY SAY IS ILLEGAL PROPER AUTH THATS A FDCPA VIOLATION.WHEN THE REGULAR REP CAN'T CLOSE YOU THEY PASS YOU TO THE MANAGER WHO IS CLARK.THEY EVEN SAY SHOCK TATICS LIKE YOU NEED TO TELL YOUR LOVED ONES YOU WILL NOT BE HOME TONIGHT.

THEY USE THESE SAME SCARE TATICS ON THE APT SIDE OF COLLECTIONS.MY FRIEND WHO WORKS THERE WHICH IS THE # 1 COLLECTOR SHE SAID THEY ARE MOVING SOMEWHERE ON BAYMEDOWS RD.KEEP IN MIND EVERYTHING THEY SAY AT PDM 99.9% NOT TRUE.THEY TRY THEIR HARDEST TO MAKE YOU PAY.SHOW THEY CAN MAKE BUDGET AND GET THEIR BONUS CHECK.YOUR THE FOOL IF YOU PAY THEM.JUST REMBER IF YOU WERE GOING TO JAIL WHY HAVEN'T YOU ALREADY WENT.PDM IS NOT THE LAW THEY TRY TO MAKE YOU PERCIVE.YOU DID NOT WAVE YOUR RIGHT TO TRIAL AND JURY UNDER YOUR CONTRACT.THEY CAN'T GARNISH YOUR WAGES.THEY ALSO CAN'T FOWARD YOU TO THE PROPER AUTH.ALL ILLEGAL SCARE TATICS.I HOPE THIS GAVE ALL OF YOU A PIECE OF MIND.

HOW DO I CHAGE TO A WOMAN.

PIXS CONSTANTLY CHANGE LMFAO.

register and you can have your own avatar.

my name is donald jennings I MADE A LOAN FORM YOUR COMPANY OF $250.00 DOLLARS FIRST $60.00 DOLLARS WAS TAKEN OUT OF MY SAVEINGS ACCOUNT THEN I PAYED $250.00 DOLLARS THAT IS WHAT THE LOAN WAS FOR AND THAT ADDS UP TO $310.00 DOLLARS SO WHY DO I HAVE TO PAY $80.00 MORE DOLLARS IF THE AMOUNT THAT I BARROWED IS PAYED OFF ALREADY THERE SOULD BE NO ADDITIONAL FUNDS THAT SOULD ADDED TO MY BILL. MY ACCOUNT IS WITH SECU CREDIT UNION MY Removed. PLEASE CORRECT THIS BILL FOR ME MY PHONE NUMBER IS Removed

This post was edited by Shazzers, all personal info has been removed to for your protection.
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Donald, we are not pdl company, this is a community to help people get out of debt. You will have to contact the company personally.