Response from Jet Lending inc
Date: Tue, 02/10/2009 - 09:18
Dear Mr,
I respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan it would have behooved you to read the complete contract you were agreeing to. You are a citizen of the state of Texas, however the contract was not made in the state of Texas. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature is based in the isle and providence of Delaware. When you spoke with Alison on 11/29/2008 at 2:28pm CST, she clearly outlined how the loan works and what the finance charges were, yet you still accepted the loan. With all the information at hand I am still willing to work out arrangements for the principal that is still owed on your account. We will cease debiting the finance charges of $90, however the account will not be marked “Paid In Full†until the principal amount of $300.00 has been satisfied. You may contact our offices 8am-4:30pm CST Monday-Friday. Our toll free phone # is 1-877-844-5798. You must contact our Customer Service Department as soon as possible. If no contact is made within a reasonable time the account will be sent to a third party collection agency. If you have any questions do not hesitate to call or email. Thank you,
How exactly should I go about replying to her.. I know I'm going to tell her that I refuse to call the number and as previously stated I will make contact by email only.. and I want to point out again that all charges that they've already taken from me will be applied to the principal.
If they aren't licensed in your state, the only thing you're mor
If they aren't licensed in your state, the only thing you're morally obligated to pay them is the principal. This seems to be a favorite line with them "the contract was made online and not in your state". Isle of Delaware? Are they offshore?
reply
yep i got the same e-mail practically from all of my pdl's.the isle of delusion is more like it.
I thought that was strange too.. the Isle of Delaware? Their phy
I thought that was strange too.. the Isle of Delaware? Their physical address listed on the website is KS. Well I found an email that someone had sent to a different PDL company on here and I tweaked it to fit my situation.. Here is how I replied to them.
Dear Kerri,
As previously stated in a letter to your company dated Feb 4, 2009.. I will only
correspond with your company via email or regular mail. All communication must
be in writing so that I may keep accurate records as I've been instructed. I
will not be calling the telephone number to set up payment arrangements. Instead
I will set up arrangements by email.
As stated in the aforementioned letter, I will sending payments to a physical
address in the form of a money order, as you are no longer authorized to debit
my bank account. You verify that the address on your website is the correct
address to mail payments or you must provide me with a physical address to mail
my payments. I will not Money Gram or Western Union any payment. If no physical
address is provided for me to mail payment to, no payment will be made.
Secondly, the fact that this is an internet loan does not make it legal. Your
company is not licensed to do business in the state of Texas, and regardless of
whatever state the company is located in, you must follow the law of the state
in which the consumer resides.
I have never at any time during any communication with your company, said I
would not pay back what I borrowed. I have, however, done research on internet
payday loans since my dealings with your company and am now fully aware of my
rights as a consumer. I have every intention of paying back what I borrowed, but
I will only pay $300.00 minus the $270.00 in fees that I have already paid. Therefore I only owe your company $30.00.
I am proposing to send your payment on March 15th, 2009. I
will not pay a penny more than the principal borrowed. Upon the receipt of my final payment , I demand that my account be marked Paid in Full and this be
sent to me in writing. I will not agree to this payment arrangement until you
have accepted the terms in writing as I need copies for my records.
I will send my payments to this address:
Jet Lending Inc
8700 State Line Rd, Suite 305
Leawood, KS 66206
Unless another payment address is noted by you in writing.
Good! You're making it known you aren't falling for that line. A
Good! You're making it known you aren't falling for that line. And you're putting in writing what your intentions are and always have been. Good for you.
Honestly if you just read their email you do not have to be a ro
Honestly if you just read their email you do not have to be a rocket scientist to figure out they are not in this country!!! Who writes and speaks like that? Send them a copy of the Consumer Protection Laws outlining internet payday loan lending and who has jurisdiction.
question
I am in need of dba's of Jetlending Inc, fleet Marketing, @ 8700 stateline Road suite 305, Leawood KS..I have a active chapter 13, and I need my attorney add them to my creditor list, as I recieved this loan before I filed..thanks
question
I am in need of dba's of Jetlending Inc, fleet Marketing, @ 8700 stateline Road suite 305, Leawood KS..I have a active chapter 13, and I need my attorney add them to my creditor list, as I recieved this loan before I filed..thanks