Call from PDL Yes today, small claims court?

I've NEVER heard of Payday Yes actually following through with their threats, in my opinion, it's only a threat. A judge would probably laugh them out of court as they are not licensed to lend. All you would need to do is request a copy of their license in court, they wouldn't be able to produce one and it would be thrown out, BUT, I doubt it will ever get that far.

Not is they are illegal. They can't legally file a claim for an illegal loan.

They are blowing smoke and making a threat hoping you will back down.

Should I not even call back then?

they did the same thing with me as well.it is an empty threat at best.

Don't bother calling back. You stated to only contact you via email or USPS and they called you anyway. Calling them back only tells them that not only are you worried about the threat but that you are willing to speak with them over the phone.

right on nohiogal.you sent letters to this bunch of idiots.they are as stupid as they are illegal.do not play there game,instead look into perhaps taking them to court for violating a C&D letter.

They are not a 3rd party collector, so the C&D letter is not worth the paper that it is written on. If they are illegal, send the appropriate documentation and notify them of payment arrangements. Once you have done this, stick to you word this time.

can it troll.this illegal bottomfeeder won't accept arrangements.i went through the same BS with them.if they are illegal technically we don't have to give any word to keep.what do you think of that?

Easy there friend.

All that I was meaning was that she agreed to terms and did not keep them the first time. Once she sends the letters from here, give them her terms and make sure that she sticks with them. If she sticks to the terms that SHE set forth, they will have no reason to bother her.

Why is everyone who voices an opinion and not a moderator called a troll. I dont understand that. Isnt this an open forum. I suspect this will not be allowed to post.

Just as an FYI, the 2nd Guest was not the same as the 1st...

i got your meaning.when dealing with an illegal loan company any word given goes out the window.like giving this bottomfeeder ACH access.if they are unwiiling towork with the consumer and threaten.then they really should if the balance is low enough.just work with us or forget bout it.by the way this pdl got slammed in illinois for these same tactics.says it all don't you think?to both of you defending pdl's makes you a troll.if i got the wrong mesage then my apologies,but i don't think i did.

How am I defending this illegal PDL?

a. Stated that C&D doesn't mean anything to a 1st party collector.

b. Advised OP to send necessary documentation about them being illegal.

c. Set her terms for repayment.

d. Stick to the terms that SHE set forth.

This is the process that you and others on here state to follow. Correct?

she shouldn't send anything until the illegal pdl at least agrees to it.that is my point.why send payments when they won't accept her terms.never send anything until agreed on in writing.can we agree on that at least?

She stated that she would send the principle only. Until she sends the necessary letter stating that they are lending illegally, they will not agree to anything. You have assumed what you wanted, but not read what I stated.

BTW, I agree!

great!!!!!!!!!!just know that i had dealings with this pdl and they will never admit to being illegal.i tried the letters and it didn't work.they are just going to have to be fined again bfore they listen to reason.