I'm in payday hell. Can anyone assist me???
Date: Sun, 03/15/2009 - 18:45
Submitted by beautifulkim2009
on
Sun, 03/15/2009 - 18:45
Total Replies: 26
Can you tell us how much you have paid to each one of these incl
Can you tell us how much you have paid to each one of these including rollovers, interest etc?
The only PDLs I found on the IL database was Fiat and CashNet US
The only PDLs I found on the IL database was Fiat and CashNet USA.
The rest are all unlicensed/illegal.
You can go here and learn more about the steps to take.
For illegal/unlicensed PDLs you only owe the amount you borrowed. Any interest or rollover fees count toward that amount.
Nationwide Cash original loan was for $450 (but they say I owe t
Nationwide Cash original loan was for $450 (but they say I owe them $520 and I've never missed a paymt). My payment of $135 have been taken out of my account every two weeks starting Jan 7th (5 paymts so far have been debited from my acct)
Cash Direct Express original loan was for $400 (but they say I owe them $642 never missed a paymt). My payment of $106 dollars have been debited from my checking acct bi-weekly since Jan 21st (4paymts made)
Kenwood Services loan is for $390. My payment of $90 bi-weekly since Jan Feb 4th. (3paymts made)
Fast & Reliable Cash Original loan was $250(but now they claim I owe them $520. I've never missed a paymt). My payment of $120 have been debited bi-weekly since Jan 21st.
(4paymts made)
Loan Point USA Original loan was $600 (but now they say my bal is $780. I've missed one payment). I have been making a paymt of $180 bi-weekly since Jan 21st. (4paymts made)
PDL Loan Center loan is for $390. I've been paying bi-weekly $90 since Feb 4th. I've missed one pay so far. (3paymts made)
Crown Lending loan is for $390. I've been paying bi-weekly $90 since Dec 26th.(6paymts made)
Web PayDay is for $390. I've been paying bi-weekly $90 since Jan 21st. (4 paymts made)
Fiat Financial loan is for $500. I've missed one paymt so far. I was paying $116 bi-weekly since Feb 4th. (3paymts made)
Cash Net USA loan is for $1350. I've missed on paymt so far. First paymt was to be taken out on March 6th. No payment has actually been made on this acct yet.
You only owe the amount you borrowed. All payments go towards th
You only owe the amount you borrowed. All payments go towards that amount.
Nationwide Cash $450 - Paid $675. You have over paid
Cash Direct Express $400 - Paid $424. You have over paid
Kenwood Services $390 - You owe them $120
Fast & Reliable Cash $250 - Paid $480. You have over paid
Loan Point USA $600 - Paid $720. You have over paid
PDL Loan Center $390 - You owe them $120
Crown Lending $390 - Paid $540. You have over paid
Web PayDay $390 - Paid $360, you owe them $30
Fiat and CashNet are legal and you should deal with them first.
Since you have closed your account I would contact Fiat and Cashnet and make payment arrangements through money order or prepaid Visa.
Look at the steps I listed to get you started on the illegal lenders.
Update
Thank you all for being so helpful. Since the last time I was here I have made payment arrangements with Fiat & Cashnet. I have also written the required letters to the illegal lenders. I plan on faxing them and sending them via certified mail first thing in the morning. I have started to receive calls from the illegal lenders and some have already sent them to collection agencies. What is the next step for me?
Do not fax from work. They may use the fax number to send collec
Do not fax from work. They may use the fax number to send collection letters.
Other than that it looks like you are well on your way. They will call and threaten but hang tough as they can not do anything. If you can avoid their call that is the best thing as the letters state to only contact you via mail or email.
Thank you for telling me not to fax from work. Can they still re
Thank you for telling me not to fax from work. Can they still report me to the credit bureau or chex systems?
They can but you can dispute it and have it removed. From my exp
They can but you can dispute it and have it removed. From my experiance most do not do anything but try and turn you over to a collection agency, which in some cases are also illegal.
They try all sorts of tactics but they are empty threats and they really have no legal leg to stand on.
I need the addresses and fax numbers for: Fast and Reliable C
I need the addresses and fax numbers for:
Fast and Reliable Cash
Nationwide Cash
PDL Loan Center aka High Country Loan Center
I had a loan with cashdirectexpress which I attempted to make a
I had a loan with cashdirectexpress which I attempted to make a extended payment plan with and they refused and sent me to collections with an awful company Alliance Asset Management.They called me at work and got very nasty,tried to leave messages with my coworkers,demanded I pay in full immediately and hung up on me.I sent the ACH letter and I wrote not to call me at work and I sent the letter for them to verify the debt.They were nasty for about a week and then stopped calling al together,perhaps because I sent them the letter.I had a loan of $400 which I paid $324 and they want $778.I told them I will not make payments through a checking account.They have not sent me a return letter to verify the debt.The collection agency is out of Wooddale,IL.If the collection agency calls you at work stay calm and tell them you may not receive calls at work and hang up.Don't let them bully you.
Great advice
Thank you so much for the advice. I will definitely follow it. I actually got a call from a real A-Hole today. I'm sure more are to follow. I will go to the post office and sent them that letter too.
Fast & Reliable Cash Advance, LLC. 110 W. 9th Street, Suite 946
Fast & Reliable Cash Advance, LLC.
110 W. 9th Street, Suite 946
Wilmington, DE 19801
I looked up the Nationwide website. At the bottom it gives the DE license number. When I looked that up on the DE database I found this address.
Frascella Enterprises LLC
650 Naamans Road, Suite 300
Claymont, DE 19703
I could not find one for PDL Loan center.
A response from Cash Direct!!!!!!!
Here is what they sent me after I faxed my C&D letter to them. It only took 24hours.
March 25, 2009
Kimberly Copeland
4524 Lindenwood Drive
Matteson, IL 60443
RE: Correspondence received on March 24, 2009 concerning your account held with Cash Direct Express
Dear Kimberly Copeland,
We are writing in reference to your correspondence received on March 24, 2009.
Please be advised that Cash Direct Express is as follows:
1. Cash Direct Express is a lender licensed under the laws of Delaware
2. Cash Direct Express does not conduct business in the State of Illinois
3. Cash Direct Express does not maintain a location in the Sate of Illinois
As was specifically stated in your loan agreement, the loan was provided in accordance with the Laws that govern licensed lenders in the Sate of Delaware. Our physical location is in the State of Delaware. The loan was approved and funded in the State of Delaware.
In addition, Cash Direct Express has modeled our short term loan product to disclose all information available. We believe in being proactive for our customers and providing all pertinent information prior to funding. This step occurs when our customer???s are presented with their loan agreement. This allows the consumer to conveniently view the structure of our product to insure they are satisfied with the service we provide and with all provisions set within the agreement. By signing this agreement Cash Direct Express believes the consumer has taken the opportunity to thoroughly review the agreement and wants an opportunity to utilize our service. I???d also like to mention that our agreement and the provisions set within the agreement were not altered during your relationship with Cash Direct Express.
Although we fundamentally disagree with the allegations in your correspondence and are confident that we have been, and continue to be, in compliance with all applicable laws, we would still prefer to resolve this mater amicably. Although we have no legal obligation to do so, we are willing to consider any misunderstandings you may have had when you obtained the loan in question and are proposing a reasonable resolution.
I have reviewed your account in its entirety and it appears on January 13, 2009 we deposited $400.00 into your financial institution???s account held with South Division Credit Union. You have paid a total of $318.00 as of today???s date.. As a result, in an effort to resolve this matter, we are willing to accept your proposed settlement in the amount of $82.00. This payment must be received in our office no later than April 25, 2009 and should be in the form of a money order or cashier???s check to the address listed below. Upon receipt of this payment, we will mark the account paid in full.
I hope this answers all of your concerns; however if you should have any additional questions for concerns, please contact me using the information below.
Thank you,
Tracy Watson
Customer Relations Supervisor
Cash Direct Express
Processing Center
300 Creek View Rd
Suite 204
Newark, DE 19711
1 (866) 432-2562 x302
[email]TWatson@geccloan.com[/email]
Thanks everyone for your help. One down many more to go. I will send them a money order for $82
Quote:Although we fundamentally disagree with the allegations in
Quote:
Although we fundamentally disagree with the allegations in your correspondence and are confident that we have been, and continue to be, in compliance with all applicable laws, we would still prefer to resolve this mater amicably. Although we have no legal obligation to do so, we are willing to consider any misunderstandings you may have had when you obtained the loan in question and are proposing a reasonable resolution. |
Although this, Although that...blah..bla...blah.. :lol:
CONGRATULATIONS!
I just received another letter in the mail from WebPayDay. De
I just received another letter in the mail from WebPayDay.
Dear Ms. Copeland:
I am writing you on behalf of Web Payday in response to your letter of March 23, 2009. Web Payday strives to assist consumers with your experience. We have noted your request for no further contact by telephone as well as your revocation of ACH authorization.
Please be advised, however, that Web Payday does not conduct busine in Illinois, has no physical presence in Illinois, and does not solicit Illinois consumers. Therefore, it is not subject to Illinois jurisdiction. Your loan was made pursuant to Web Payday's license in its home state of Utah under title 70C of the Utah Consumer Credit Code. You received documents and disclosures in compliance with federal and Utah state law in conjunction with your loan fully describing how the finance fee are applie. Contained therein is a description of how the fees and principal were applied to your loan, as well as the loan renewal process. You agreed to these terms, including the applicability of Utah (not Illinois) law to the transaction,with electronic signatures in multiple place, and you also committed to binding arbitration to resolve any disputes arising out of the loan transaction. These documents were emailed to you at the time your loan was processed. Should you need additional copies, please visit our website. All information regarding the nature of the debt and applicable finance fees is enclosed therein. A review of these terms should address all of your concerns regarding repayment of your loan and the applicable process.
Notwithstanding the foregoin, we do understand that the current economic situation has adversely affected many people. Pursuant to your request, we have agreed to settle the balance owed and mark your account "paid in full" a of today's date. Web Payday is taking this action without legal obligation to do so because of our ongoing commitment to customer satisfaction and for no other reason,and we hope this will bring an amicable resolution to your inquiry.
Thank you for the opportunity to clarify this matter and address your concerns.
HeHeHe!!!!!! Another one off my back!!!!!!!! [/quote]
I love the long winded blah blah and then paid in full. Congrat
I love the long winded blah blah and then paid in full.
Congrats on another win!
??
So I've gotten two companies to settle with me which is great. M
So I've gotten two companies to settle with me which is great. Most have not even contacted me at all. But NRS the collection company is starting to really bug the hell out of me. after sending them my C&D letter they continue to contack me and my references and even started to call my job. They are very rude from the start to the finish of the conversation. After I told them not to call the rep stated she would continue to call. I then told her I would be changing my number as well as told her where she could go she hung up. They haven't called me back but I received this email.
Client: 0000165 - NATIONAL CREDIT ADJUSTERS 3.25.09
416 S Main St
Ottawa, KS 66067
Report them to the FTC for non compliance with the FDCPA.
Report them to the FTC for non compliance with the FDCPA.
recently started to receive harassing calls at home. They are al
recently started to receive harassing calls at home. They are also starting to call my references. I sent them a C&D letter already but they continue to contact me with the most rudest people they could hire. After finally telling them where to go and to never call again they hung up and sent me this letter.
NATIONAL rECOVERY service
Client: 0000165 - NATIONAL CREDIT ADJUSTERS 3.25.09
416 S Main St
Ottawa, KS 66067
888-622-0222
Original Creditor: Kenwood Services LLC
Client Acct #: 80075159275
Placement Date: 3/25/2009
Balance: $ 528.00
Money Gram: Receive code: 6295, Acct #: 378971, City: Ottawa, ST: KS
Dear Kimberly,
The above referenced account has been referred to our office for collection of the balance in full. Previous attempts have been made by our client to resolve this debt voluntarily. As of this date, those attempts have not been successful. National Recovery Services has been authorized by our client to provide the necessary effort to collect this debt. We recommend that you take advantage of this opportunity to pay the balance in full.
At National Recovery Services we understand that sometimes situations arise that make it difficult to handle your obligations in a timely fashion. We are interested in our customers are always trying to find new ways to improve our service. For these reasons, we are inquiring if there is a reason for your delay in paying this long overdue obligation. Our primary focus is to help you resolve your account within the guidelines provided to us by our client. We offer payment plans as well as settlement opportunities to help you get out from the burden of long term debt. However, we cannot accept any further delay in getting payment. If you cannot send at least a partial payment now, call us at 888-622-0222 to discuss arrangements or select a box and your payment will be processed automatically
You can reach our offices between the hours of 7a.m. to 6 p.m. Monday through Friday.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will: obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
What can I do now to get these people off my back. Should I report them to my Attorney General's office?
Dispute the debt! Send them a validation letter, make them vali
Dispute the debt! Send them a validation letter, make them validate the debt per the FDCPA law.