Response from PDL

that is there typical form letter.they are illegal as all get.what are they gonna do?extradite you to the west indies.puh-lease.send a reply that they are still illegal and if you owe anything you will send it and there is nothing they can do about it.

Tell them that you are a resident of Iowa and unfortunately cannot renounce the laws and regulations of Iowa. Based on this fact, their governing law cannot superceed local laws. Also, advise them to contact the Iowa AG with any questions regarding thier legality in the state of Iowa.

Quote:

Actually Aristotle, that is basically the letter I used to let them know they were illegal in Iowa. I added information regarding my loan, such as the amount I originally borrowed, the date, and how much I have paid so far.

Thanks everyone for your help. I just wanted to hear that this is what most receive when they contact the PDL's initially.

That is the template for proposal letters used here on the PDL forum. So you should be fine. Fire off the letter every other day untill they retreat. You owe them nothing, they are way overpaid :x

These stinky crooks use the same letter. They sent the same letter to me. I told her-no go. I don't care about Nevis, this is the United States-Washington, DC and I abide by those laws. Stand your ground with these illegal people.

I have a question, do we contact them if we get a response like this? or do we just resend our original letter stating our laws and that we will only pay the principal?

Jasgal: I personally have already started paperwork with my attorney general and Baking and Securities agency here in DC. I am not going to play with these people. They think you are so scared of them and that everything they tell is the gospel. Well, I am not backing down. They are wrong and I am going to shove the correct information in their face!!

That would be banking agency.

I sure wish I was so strong about it. I am getting better everyday, but in reality I am so scared. I ended up in the hospital last week for stress. I have done so much paperwork, AG, FTC, BBB, Department of Corps.... and I have also been writing letters to the media and Congressman, and anyone else I can think of.. I am hoping that just one person will pick it up and think its worth the fight.

The fact that they won't contact you by mail is a big red flag. The reasons they give (or more likely fail to give) for their lack of paper communication are 99.99% offensive language removed by Shazzers per the TOS. The real reason they won't send you a letter is because they know they are in shady territory and don't want a paper trail. Just block their telephone number and e-mail address and all your worries will go away.

[QUOTE=pseu donym;503588]The fact that they won't contact you by mail is a big red flag. The reasons they give (or more likely fail to give) for their lack of paper communication are 99.99% offensive language removed by Shazzers per the TOS. The real reason they won't send you a letter is because they know they are in shady territory and don't want a paper trail. Just block their telephone number and e-mail address and all your worries will go away.[/QUOTE]

I don't think it's possible to block phone numbers, if I am wrong, please explain how it's done. By the way, ignoring debts won't make them go away.

i know on some phones you can block telephone numbers but i am sure they have plenty of numbers to use (and know millions of ways around that).
jasgal, please do not let this affect your health. they cannot do anything to you at all. they are not legal and can only make phone calls and they will not last forever.

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Ok here is a e-mail VIP sent me: The part that gets me this is the one PDL I have paid $1202 on a $600 loan and they say I still owe $637.

I am contacting on behalf of your delinquent account with The VIP Loan Shop. I want to inform you that we offer several options concerning your payday loan.

By working with our company directly, you can:

? Avoid further collection activity
? Save up to 35% on balance payoffs
? Make minimum payments as low as $50.00 every two weeks or $100.00 per month
? Avoid your account from being forwarded to a third party collection agency where more fees could be accumulated

I am here to work with you to get your account settled.

Please contact me at your earliest convenience so we can discuss different payment options. Thank you and have a great day!

Angie G.
Collections Department
Phone: 866-598-1100
Fax: 866-287-9563
[FONT=Arial]Email: [email]angie@pdlsupport.com[/email][/FONT]

i would just respond by re-sending your e-mail with your state laws demanding a refund.use that in response to all e-mails from them.

I did that with US Fast Cash. Just kept responding to their e-mails by attaching my original letter to theirs and sending it back to them. After 2 months of this, they stopped e-mailing.

None of the PDLS had my home phone number, and I changed my cell phone number so they couldn't contact me that way. Two called my work and I told them I couldn't get calls.

It took about 4 months, but I now get no calls, e-mails, mail.

Peace of mind; PRICELESS.....

[QUOTE=Jasgal;503774]Ok here is a e-mail VIP sent me: The part that gets me this is the one PDL I have paid $1202 on a $600 loan and they say I still owe $637.

I am contacting on behalf of your delinquent account with The VIP Loan Shop. I want to inform you that we offer several options concerning your payday loan.

By working with our company directly, you can:

??? Avoid further collection activity
??? Save up to 35% on balance payoffs
??? Make minimum payments as low as $50.00 every two weeks or $100.00 per month
??? Avoid your account from being forwarded to a third party collection agency where more fees could be accumulated

I am here to work with you to get your account settled.

Please contact me at your earliest convenience so we can discuss different payment options. Thank you and have a great day!

Angie G.
Collections Department
Phone: 866-598-1100
Fax: 866-287-9563
[FONT=Arial]Email: [EMAIL="angie@pdlsupport.com"]angie@pdlsupport.com[/FONT][/EMAIL][/QUOTE]

Wow, they are really there to work with you...and get into your new bank account to boot! Don't fall for it. Tell them your account IS settled, you've paid double what you loaned and the only thing you will accept is a PIF letter! Anything less, and you're going to Jerry Brown's (California AG) office!

Point out the obvious that you have already paid DOUBLE what was borrowed and not only is the account PIF but that they owe you another $600 refund.

Quote:

VIP Loan Shop WILL accept money orders. I reached an agreement with them today. I thought this was the best option and the only one that would keep them out of my bank account.

Ok here is the offer from Intergrity please advise me on what I should do. I owe them $300 of the principal,. I think I can pay this on Jan. 8 with no problem and this would settle 1 more, leaving me with Unitedcash, Oneclick, norstar with remaining balances. Discountadvance and VIP owe me.

Dear Ms. / Mrs.

We are responding to your communications with Integrity Advance,
regarding your loan, which has a current balance of $825. We
consider this to be a valid debt. Integrity Advance takes its obligations
to comply with all applicable laws very seriously and expends significant
resources to ensure this.

Integrity Advance makes short term consumer loans pursuant to licensure
and regulation by the State of Delaware. Integrity Advance does not
maintain a business location in California. Integrity Advance does not solicit
customers in California. On advice of counsel, Integrity Advance maintains
that the choice of Delaware law as controlling in the loan documents
would be upheld, as all significant contacts in the loan transaction
occur within Delaware.

Despite our position stated above, and without obligation to do so, in the
interest of resolving this matter without escalation and further expense,
we are willing to consider this matter resolved once you have complied
with the terms of the settlement offer below.

Settlement Offer

Integrity Advance is making a onetime limited offer to release you from the
outstanding balance of your loan ($825) only upon receipt of $350 received no
later than January 8th 2010 and satisfactory evidence that your filed complaint
with the Better Business Bureau, California Attorney General's Office and Federal
Trade Commission has been resolved along with the attached signed Confidential
Mutual Release Agreement. Please fax the signed release to our Customer Service
Department at (800)616-0533.


******PLEASE SEND US THE SIGNED RELEASE NO LATER THAN DECEMBER 11, 2009 . IF WE HAVE NOT RECEIVED THE SIGNED RELEASE BY DECEMBER 11TH 2009, THIS SETTLEMENT OFFER WILL BE AUTOMATICALLY REVOKED AND WE WILL CONTINUE TO HANDLE YOUR ACCOUNT PURSUANT TO YOUR LOAN AGREEMENT.******

I'm certainly no expert, but if you can pay it no problem, I'd be inclined to think the extra $50 is worth piece of mind.

The 300 does not include the NFS fees.

for one you owe them 300.00 not 350.00.two what do they need you to sign a release,they are illegal.there is an ultrerior motive there.again you only owe 300.00,they are illegal,and shouldn't have you sign anything.you didn't have to when you took the loan.bottom line proceed with caution.

Look at the thread titled "Highly Confidential Settlement" or something like that - you should get some ideas about how to deal w/Integ$%#y there.

I got the same type of " highly confidential settlement" from Iadvance.
As for Vip Loan Shop this is what I got:

"Hi you have a balance on your account that has not been paid please call to make arrangements to avoid being sent to 3rd party collection we do offer diff payment plans I can also offer you 30% off the balance we no longer work with PDL companies."

i would never give them the extra $50 for a peace of mind.. they are illegal and all you morally owe is what you borrowed. i would not sign a thing.