CASH DIRECT EXPRESS OR GECC COLLECTION CALL in PA
Date: Wed, 03/04/2009 - 14:15
I RECEIVED A COLLECTION CALL REGARDING A LOAN I HAD WITH CASHDIRECTEXPRESS.I had filed at my bank for a hard block on my account for two loan companies that would not work with me. A very rude person named Alma called me at work in the nurses station and demanded me to pay $778 on my $400 loan.I politely told them I would take the number and call back,she replied"why? settle this now,pay today or I am forwarding this to my supervisor."She did give me the number and I called back 866-864-8030.I asked for Alma and instead a woman starting yelling at me and told me to give her my checking acct # for a debit today.I asked for the adress and told her I would pay by money order in installments.She told me I can't have installments I need to pay or she will send papers to my work and a lawyer.I asked again for the adress and for their license number.She told me they did not need a license and that"I wasn't too worried about licenses when I took out the loan."I again asked for the license # and she hung up on me.I am guessing they don't have a license.She did slip however and told me they are out of Deleware.I live in PA and I know thanks to the boards that in PA payday loans are illegal except if they are licensed in the state they work out of.Why would they not give me the address or license number? What do I do next?I have not sent the letters yet talked about here,I have only stopped the ACH from posting at my bank.How do I get copies of the letters to send,thanks Wendy
You can find a template of a letter [url=http://www.debtconsolid
You can find a template of a letter [url=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]here[url] to help you create your own letter.
PA law states they do not have to be licensed in PA but as long as they are licensed in any US state they can legally lend, but with the tactics they are using for collections they sound illegal and are using illegal collection practices.
As long as your account is secure I would send them the letter and go on from there and see if they respond.
The collection agency is ALLIANCE ASSET MANAGEMENT and they are
The collection agency is ALLIANCE ASSET MANAGEMENT and they are nasty!!!! Not all of them just the one named LAURA & ALMA.I spoke to some nicer ones and I told them I do not agree with the balance and I told them I I sent an email to CASHDIRECTEXPRESS disputing the balance.THIS LAURA GOT ON THE PHONE AND TOLD ME THEY WILL FAX THE DOCUMENTS TO MY PLACE OF WORK FRIDAY.I TOLD HER WAGES MAY NOT BE GARNISHED IN PA.I STAYED ON THE LINE UNTIL SHE HUNG UP ON ME AGAIN.I AM GOING TO FAX THEM A DEBT VERIFICATION LETTER IN THE MORNING.I SENT A LETTER TO CASHDIRECTEXPRESS YESTERDAY ASKING THEIR LICENSE # AND THEY DID NOT RESPOND.I DON'T KNOW IF THEY ARE LICENSED OR NOT IN PA AND I CAN'T SEEM TO FIND THE ANSWER.AT THE TIME I TOOK THE LOAN THE LAW WAS THEY MUST BE LICENSED IN THE STATE THEY ARE OUT OF.AS OF FEB 1ST THEY MUST BE LICENSED IN PA AND PAYDAY LOANS ARE ILLEGAL.
I would not fax that letter from work. If they get the fax numbe
I would not fax that letter from work. If they get the fax number they may start sending collection notices and nasty letters to it.
cashdirectexpress was legal in PA until 2/1/09 I sent the letter
cashdirectexpress was legal in PA until 2/1/09 I sent the letter through email asking for my debt to be verified to AAM and I also called cashdirectexpress.They said the loan has not been sold,ASSET ALLIANCE MANAGEMENT is just handling it for now.They would not make arrangements with me and AAM keeps hanging up on me.I am going to fax and mail the letter as well.thanks everyone
Do you know if AAM is licensed to collect a debt in your state?
Do you know if AAM is licensed to collect a debt in your state? I would contact your states Department of Financial Institutions and find out for sure. If they are not the next time they call tell them you are recording the call.
I did not find Asset Alliance on the PA database so most likely
I did not find Asset Alliance on the PA database so most likely they are not legal to collect in PA.
They sent me a paper bill so I finally got their adress TO MAIL
They sent me a paper bill so I finally got their adress TO MAIL A PAYMENT TO.REMIT TO:
AAM INC
330 GEORGETOWN SQUARE,SUITE 104
WOODDALE ILLINOS 60191.
THERE IA ANOTHER ADDRESS AT THE TOP DEPARTMENT #5975 PO BOX 1259 OAKS,PA 19456. THE LADY LAURA THAT GAVE ME THE FAX NUMBER GAVE ME THE WRONG NUMBER PROBABLY ON PURPOSE,THE CORRECT FAX IS 630- 760-1123 SHE CHANGED THE 0 AND 3 WHEN SHE TOLD ME BUT I ALSO EMAILED MY DEBT VERIFICATION LETTER AND THE CERTIFIED RECEIPT COPY WILL GO IN THE MAIL MONDAY.SINCE I EMAILED MY DV LETTER I HAVE NOT RECEIVED ANY CALLS OR PERHAPS THEY DON'T WORK ON THE WEEKEND,I SENT IT FRIDAY. I TALKED WITH A VERY NICE LADY AT THE PA DEPT OF BANKING AND SHE DID NOT HAVE THEM AAM INC IN HER DATA BASE BUT SHE DIDN,T SAY ANYTHING ABOUT A LICENSE BEING NEEDED,I HAVE SOME INFO TO FAX HER ON MONDAY.SHE TOLD ME TO LOOK INTO THE BETTER CHOICE LOAN AT A CREDIT UNION,MY CREDIT UNION DOES PARTICIPATE[THEY GIVE UP TO $500 TO BE PAID BACK OVER 90 DAYS,NO CREDIT CHECK NEEDED TO HELP WITH PAYDAY LOANS. IS A LICENSE TO COLLECT NEEDED?
I FILED A COMPLAINT WITH CFSA ON FRIDAY ALSO BECAUSE CASHDIRECTEXPRESS ARE FUNDED BY GECC AND THEY ARE MEMBERS OF THE CFSA.
Most states require Collection Agencies to be licensed.
Most states require Collection Agencies to be licensed.