Webpayday - new correspondence - what should I say or do next?
Date: Thu, 10/09/2008 - 08:56
[quote]From Web Payday:
Dear *****
You are currently in default of your agreement to repay your loan with Web Pay Day and your file was forwarded to my office for a review and recommendation. Your OUTSTANDING BALANCE is $815.00 that is DUE NOW. We have made numerous attempts to contact you but unfortunately you have chosen to ignore our effort to discuss this matter with you.
It is in your best interest to respond to us TODAY if you wish to discuss a mutually acceptable resolution with us.
We are currently preparing to sell the unpaid loans to a third party collection agency. These agencies are empowered to report the outstanding debt to all the major credit reporting bureaus as well as to pursue all legal actions available under law.
If we do not hear from you TODAY, we will have to assume that you do not wish to resolve this matter voluntarily.
We hope that you will take this final opportunity to resolve this matter by contacting us immediately at 800-416-8907.
Sincerely,
Rita Middlebrooks
Web Pay Day Collection Department
800-416-8907[/quote]
This is an attempt to collect a debt and any information obtained will be used for that purpose.[/color]
The true status of my account is Webpayday.com deposited $525. To date I have made payments totaling $468.25. Which leaves a balance of $56.75.They are harrassing me at work via phone. It is my direct line so not tooo bad, but they have not honored my cease and desist letters, sent five times. What should I say in response to the email above? This is their first attempt to contact me via email, they have just been calling and calling. What is my next recourse? I live in NY and I sent Webpayday all the information that PDLs are prohibited and I also secured my accounts.[/quote]
___________________________________________
I am going to post some info I have got so far,
The address I have for them is :
FFD Resources II, LLC d/b/a WebPayday
2500 Wilcrest, Suite 201
Houston, Texas 77042
Their PO Box is:
WebPayDay
P.O. Box 3109 #15050
Houston, TX 77253-3109
Emails I have are:
[email]complaints@WebPayDay.com[/email]
[email]info@webpayday.com[/email]
[email]loans@webpayday.com[/email]
[email]recoveries@webpayday.com[/email]
Phone numbers:
(800) 416-8907
collections, the called id says this when they call
(800) 814-5451
customer service, posted on their site
Fax:
1-866-870-0820[/color]
reply
did you file AG complaints?if not do so asap.if so re-file or file a follow-up.these clowns,it is up to them to know the state and the laws of the state the person applying is in.just know that they can huff and puff,but that's all they are going to do.they can't do squat to you.
Also have seen this address
FFD Resources II LLC d/b/a WebPayday
3343 Peachtree Road NE Suite 800
Atlanta, GA, 30326
They're illegal, so basically they aren't about to honor your ce
They're illegal, so basically they aren't about to honor your cease & desist letter. When they call, simply hang up, speaking with them only gives them a reason to continue calling back, there isn't much they can say to thin air. You need to forward that email to your Attorney General's office, explain in detail what has occured. I would also file complaints with the FTC & BBB, you may as well, you have nothing to lose by trying. I hope your bank account is closed? Just respond in simple words, you need a physical address to send your last payment of 56 bucks, via money order, tell them, no address, no payment. That's about all I would say, bombard THEM with that email, daily, over and over again.
Actually, go to your Attorney General's website, there's usually
Actually, go to your Attorney General's website, there's usually a link somewhere to fill out complaints, usually they ask for identifying information first, your name, address, phone, the lenders name, address, phone, etc. Explain in your words what happened, then copy and paste the email you received into your complaint.
i think webpayday is legal i found this on utahs website. but i
i think webpayday is legal i found this on utahs website. but i think that since payday loans are illegal in new york that it makes your loan illegal
Name Type City Status
WEBPAYDAY DBA Carson City Active
Business Name: WEBPAYDAY
Entity Number: 6275867-0151
Registration Date: 07/19/2006
State of Origin:
Address
711 S CARSON ST STE 4
Carson City, NV 89701
Status
Status: Active
Status Description: Good Standing
This Status Date: 07/19/2006
Last Renewed: N/A
License Type: DBA
Delinquent Date: 07/19/2009
Registered Agent
Registered Agent: THOMAS SCRIBNER
[Search BES] [Search RPS]
Address Line 1: 2696 N UNIVERSITY AVE STE 220
Address Line 2:
City: Provo
State: UT
Zip: 84604
Additional Information
NAICS Code: 9999
NAICS Title: 9999-Nonclassifiable Establishment
With this information, you can...
Images are not available for DBA documents at this time.
Quote:i think webpayday is legal i found this on utahs website.
Quote:
i think webpayday is legal i found this on utahs website. but i think that since payday loans are illegal in new york that it makes your loan illegal |
That's correct. :)
Web Payday
No, if you signed a contract that you agreed to let the laws of the state they are licensed in apply to you, then you are bound by that contract no matter where you live. It's called "choice of law" and all state laws recognize it in contracts. Probably ought to read those documents before you take out a loan - or better yet just plan to pay it back and you won't have a problem!!
Web Payday
Actually, if your contract says you agree to be bound by the state they are licensed in (Utah, Ohio, whatever), then you are bound no matter what state you live in. It's called "choice of law" and all the states recognize it in contracts. Better read the documents before you sign - or better yet, pay your loan back!!
reply
well lisa or should i say troll.if that were true these pdl's including the one you work for would take legal action instead of threatening it hollowly.so you posted your stupidity good for you.now instead of looking like a fool on here try your schtick on the phone.then someone can come on here and we can have a good laugh.like i did reading your posts.
