NCA and Astro lending

no they can't.they have 5 days from that to send you a dunning letter.typical bottomfeeder scare tactic.

Wendy, also check your credit. I had NCA put it on mine, and not even validating/giving me notice etc regarding the debit. Transunion deleted it.

Thank you. I didnt think there was anything they could do, but scare me. She was saying i crossed state lines when i got the loan blah blah blah, and i went back and forth for a min, i know should have just hung up, came up private/name and # anyway. I told her and read some of the michigan state laws, she just said so your saying your not paying this and that i dont know the law and i am saying what i THINK is right.
Another thing that got me, i did close that acct they put the money it after i found out they werent legal and she said this was a closed account and then said "get your checkbook out!!" I told there is no way im giving her my acct info, they would take way more than they should for one thing, "oh well, we dont want your checking acct info anyway, theres nothing in it anyway" what a bunch of bull
anyway, again thanks.
if theres any other info, please let me know and should i just contact this astro lending back and try and pay the $300 i borrowed through money order or western union? thanks
wendy

I forgot I do want to add that i mentioned to her that i borrowed $300 and thats all that i am obligated to pay, this is when she told me to get my checkbook out. she was going ot accept the $300, now how do i know she is who she is private number, NCA, just an abreviation, asked if it meant something, she just kept saying nca.
then at end of calls said she was going ot forward this on and said i was not willing to pay this money and i owe $480!!

Wendy, if you want, I can give you NCA's address, and you can send a validation letter to them, or a letter to tell them not to contact you.

Wendy, here ya go, this is what was listed on my Credit Report:

NCA W P O BOX 550 327 FOURTH ST
HUTCHINSON , KS 67504 (620) 665-7708

The company is

National Credit Adjusters
p.o.box 3023-327 W 4th St.
Hutchinson, KS
67504-3023

Phone 1-800-542-1048
fax 620-664-5947

Thank god I didn't get someone like that. I do have 2 storefront payday loans that got sent to these people. I got lucky and got a good person that handles our accounts. I have not had any problems with them, yet. I have been paying them for over a year now.

Good luck with this.

i wasnt sure how legite they were after all these illegal payday loans and she jsut said nca, and said that was their name, private on callerid, makes ya nervous.
should i pay this company then or pay astro lending direct.
thanks
wendy

Wendy, if the payday lender is illegal in your state and you already paid the principal back, then I wouldn't worry about it. I'd write them(certified return receipt of course) and tell them you already paid Astro lending back and not to contact you again.

I also had problems with NCA (National Credit Adjusters).
They were very rude (to say the least).
The first time they called I had a hard time getting out of them why they were calling me and who they were collecting for. They also collect for my cash now.
When I asked the woman if her company made it a habit to collect illegal loans she ignored me.
They also put me on an auto dialer and called my house constantly.
I filed a complaint with the ACA (American Collectors Association) against them.
NCA lied and tried to turn everything against me.
They claimed I never asked for a debt validation-which I did months ago. I also asked for a copy of the license for the company they were collecting for.
I had faxed the debt validation request so I sent a copy to the ACA as proof that I did in fact request the validation back in August and have never received it.
NCA has now taken their name off of my credit report and marked my account as paid in full.
Sometimes you have to fight to the end!!!

I had the fax transmittal as my proof.