Astro lending

This is the e-mail conversation I have been having with Astro Lending. They at one point say my account is paid in full and than the next e-mail say it is being sent to collections. They owe me money... They certainly have some nerve.

Ms. Flowers,
I completly understand that you are just doing your job, but I would appreciate it if you would forward my e-mail to your supervisor in order to get this taken care of outside of the legal system. I have just spoken to my Attorney Generals Office and they are looking forward to taking down another illegal pay day loan company that is operating in the state of Florida. If you do not do as I requested, mark my acount paid in full, and refund the $140 I will start legal action. Again just forward my e-mail to your supervisors, or your legal department. I would like a physical address to send the legal paperwork to.

Thank you again,



--- On Fri, 2/27/09, Kara Flowers wrote:

> From: Kara Flowers
> Subject: Re: Astro Lending
> To:
> Date: Friday, February 27, 2009, 1:44 PM
> To be honest that since the account is closed then it will
> go to collections and nothing I can do about that, so they
> will be contacting you about this account. Like I said
> before though that no refund will be issued because of the
> loan terms that you agreed upon, and they will not be
> sending a check to you to be honest. If you have any further
> concerns more then welcome to let us know or our managers,
> but I wanted to inform you that the account will be sold to
> collections then if the account is closed- Thanks
> Kara F.
> Customer Service
> Ph: 866-355-7308 Ext. 134
> Fx: 866-379-7667
> [email]kflowers@arrowheadinvestment.com[/email]
> ----- Original Message ----- From:
>
> Sent: Friday, February 27, 2009 12:36 PM
> Subject: Re: Astro Lending
>
>
>
> Ms. Flowers,
> My bank account has ben closed, and you will never again
> get a penny from me. The bank is actually looking into your
> company for possible fraud since you are operating illegaly
> in the state of Florida.
>
> I in fact I will receive $140 refund from your company for
> the over payments made by me. Again, I will expect my refund
> check by Friday 3/6/09, or legal action against your company
> will begin that afternoon, per the State Attorney Generals
> Office.
>
> Thank you,
>
> --- On Fri, 2/27/09, Kara Flowers
> wrote:
>
> > From: Kara Flowers
>
> > Subject: Re: Astro Lending
> > To:
> > Date: Friday, February 27, 2009, 1:16 PM
> > Also we were unable to stop the pull from
> today,
> > since we received
> > your information yesterday afternoon and we were
> unable to
> > stop the pull
> > because we never had 3 days notice to not pull. So, I
> > wanted to inform you
> > that if that payment returns then the account will be
> sold
> > to collections
> > and you will need to contact them regarding your
> account,
> > but if that
> > payment doesn't return the your account will be
> > considered paid in full. If
> > the account was sent to collections they will contact
> your
> > about the
> > account- Thanks
> > Kara F.
> > Customer Service
> > Ph: 866-355-7308 Ext. 134
> > Fx: 866-379-7667
> > [email]kflowers@arrowheadinvestment.com[/email]
> > ----- Original Message ----- From: "
> davis" >
> > Sent: Friday, February 27, 2009 9:49 AM
> > Subject: Re: Astro Lending
> >
> >
> >
> > Ms. Flowers,
> > I appreciate that you are only trying to do your job,
> but
> > the fact remains
> > that according to Florida law,(Fl. Stat. Ann. §
> 560.401 et
> > seq.; Rule
> > 69V-560.901-912). you are operating illegally and I
> have
> > paid your company
> > $360 on a $200 loan that is considered illegal by the
> state
> > of Florida.
> > After contacting the Attorney Generals office I am
> owed a
> > refund from your
> > company of $140, and my account with your company will
> be
> > marked paid in
> > full and my account closed. I would appreciate if you
> could
> > place that check
> > in the mail by Monday 3/2/09. If not than I will
> pursue
> > legal actions
> > against your company.
> >
> > Thank you,
> >
> >
> >
> > --- On Thu, 2/26/09, Kara Flowers
> > wrote:
> >
> > > From: Kara Flowers
> >
> > > Subject: Astro Lending
> > > To:
> > > Date: Thursday, February 26, 2009, 11:29 AM
> > >
> > >
> > >
> > >
> > > 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
> > Florida,
> > > however the contract was not made in the state of
> > Florida.
> > > The contract was completed via the World Wide
> Web; the
> > > governing law (clearly outlined in your contract)
> that
> > you
> > > agreed to by your legal e-signature is based on
> our
> > > government laws. When you spoke with Jeane on
> > 11/19/2008 at
> > > 11:42 am 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 $60, however the account will not be marked
> > "Paid In
> > > Full" until the principal amount of $200.00
> has
> > been
> > > satisfied. You may contact our offices 8am-4:30pm
> CST
> > > Monday-Friday. Our toll free phone # is
> > 1-866-771-7784. 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,
> > >
> > >
> > >
> > > Customer Service