Ameriloan harassing me over phone. What should I do?

I have been receiving this same e-mail for the last 4 months and they just seem to ignore my e-mails and continue to call me. I am hoping they will just go away.

So do you call them back or answer or you just let it roll to voicemail.....I just want them to get picture that I"ve paid them almost $3000 in a year and I'm DONE and they need to just drop it and leave me alone!!! I don't want them calling my family and boss, though....Have they done that to you? Called your boss and family? references?

No other emails and no calls from them......I'm sure it will be phone ringing off hook tomorrow when debits didn't go through.

if ameriloan advance is illegal, then file complaints with the AG's, FTC & BBB.

I did.....with my AG, FTC adn BBB. I forwarded them the FTC complaint #

And they're STILL calling you?? OMG...they are relentless...time to sue them...lol

They haven't called me....YET. 1st missed payment is tomorrow just the email

Surprised I haven't heard from them today.....I forwarded them FTC and BBB complaint #'s but Im sure it is just a matter of time.

? for community......I've had another loan with them and overpaid it by over $2000 (almost 3000.00!!!!) before paid off but had to take it out again like 3 weeks ago in the "trap" we all got ourselves into with multiple loans ($550.00 loan). My letter said I wanted a PIF based on amount I had overpaid on the other loans. Wondering if I should set up arrangement to pay back $550 since it was a new loan and ask for a refund of the overpayments on loans throughout all of 2008.

I want to be totally legal and above board - UNLIKE THEM!!!! I did NOT know they were illegal and had not found this site when I took out the loan and again I've overpaid them over 4X this last loan I had with them......

i heard from others here to apply what you overpaid on previous loans.almost 3,000.00 over paid.apply any refund to this and call it square.

Okay - that makes me feel better...I'm just getting jittery....Wondering if I'll even get one of these yoyo's to give me a PIF....much less the 5 I'm battling! I don't want to be battling collection agencies - worrying about getting sued for next 10 years.....I waver between setting up payment plans and giving them more money even though between all 5 with overpayments on loan or other loans I only owe 1 (VC Funding) $110.00!!!!

Between other 4 I've overpaid $6020 between end of 2007, all of 2008 and 2009 to present....makes me want to THROW UP....

well CA'S can't sue you.only the original creditor can and being illegal as these pdl's are.i don't see that happening.have you given your HR or payroll person a WAGE ASSIGNMENT REVOCATION letter yet?if not do that asap.while they cannot sue they can attempt to invoke that part.a wage assignment is voluntary.revoke that and they will not be able to do anything but call.

??? I thought a CA couldn't sue, but can't they have their lawyers sue on their behalf...since many CA buy the old debt, now they become the owners and all rights pass to the CA.

Is this not correct?

that is where validation comes in handy as there often is no papertrail when a JDB or CA buys a debt.a CA working on behalf of a creditor can recommend a lawsuit,but unless retained by an OC.they cannot sue.a JDB should be made to prove ownership.actual ownership.

Paul your post is unclear...so, if a JDB buys it, can they sue?

so key is as soon as you get CA notification send debt validation?

not if they try to do it right.most JDB'S can't validate the debt in any form.that is why you see so many default judgements as they don't properly serve or don't serve at all on purpose.i'm hearing some stories on this site about people beating JDB'S in court.they just try to intimidate people then maybe sneak a default in there.never heard of one suing on the up and up and winning sorry.

Okay....so advice on staying on top of this if I can't get them to give me PIF? I don't want to be looking over my shoulder for years worrying about being sued....ugh! or having police call me.

if you filed the proper validation with the CA and AG complaints aainst AMERILOAN you covered your bases.again there is nothing they or any CA they employ can do to you but call.if they do continue to call file follow-ups with your AG.that should cover it.

Okay.....No CA calls yet but I just missed my first payments to them on Friday. Only RBT has called me to give me a special "offer"......Some Micheal dude. I have loan with PDL that Tawni P. from there said RBT wasn't servicing my loan anymore - WEIRD! NOt calling back!

Okay.....No CA calls yet but I just missed my first payments to them on Friday. Only RBT has called me to give me a special "offer"......Some Micheal dude. I have loan with PDL that Tawni P. from there said RBT wasn't servicing my loan anymore - WEIRD! NOt calling back!

05/27/2009 WEB BBB RECEIVE BUSINESS RESPONSE : To Whom It May Concern:
We recognize this complaint as a RESPONSE to a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter.

How is this a response to them NOT BEING FLIPPING LICENSED IN MY STATE!!!!!

I wouldn't worry about the BBB...I'd be filing with the state AG office and the FTC.

If you want, respond to the BBB that they are unlicensed and that their response back is not satisfactory to resolving this issue.

Quote:

okay thanks cool abyss!!!!

Haven't had any response yet..........I am surprised..............

Okay this PISSES ME OFF!!!!!!!!!!!!! How is the "law" something on the internet that is an urban legend....

Any advise on response?

06/09/2009 WEB BBB RECEIVED BUSINESS' REBUTTAL RESPONSE : We stand by our response, this customer needs to remember that not everything posted on the Internet is true, and personal responsibility is a trait she might want to consider regarding her acounts with any company she deals with.

again bring up the fact that they have no license and you overpaid.they have done this response before.it shows that they are monitoring this and other sites at times.

BBB doesn't have enforcement powers and isn't going to get involved in whether a lender is licensed or not. THat's the state's job. Did you file a complaint with your state banking authorities, fixingit?

as far as i know fixingit has filed AG,and FTC complaints as well.

Filed with FTC and AG - who am I missing in Texas? Let me know I'll act on it immediately....BTW is RBT/High Country/PDL loan Center another subsid of Ameriloan and USFastCash? I've read that on threads but of course no paper trail I can find on net to link them.

MTE has numerous d/b/a's.i wouldn't doubt it.

I'm trying to contact them...they haven't responded to BBB complaint (High Country/RBT that is) unlike Ameriloan.

No. RBT/High Country/PDL Loan Center is a mess unto themselves but they are separate from the whole MTE mess.

The saga continues......BBB closed the case as unresolved as of today when I checked.........Then Ameriloan sent me the Recovery website link crap...............Just for giggles I looked at their idea of payment plan.........Today 160 and 3 monthly payments of 180 or 2 payments of 321 dollars. They can kiss it................They owe me over $2000 when you take into consideration loans I overpaid them on. I'm so peeved. they have been the WORST to deal with - the worst as far as delusional about their business practices. VC Funding was nice via email and I've settled with them and one reason I did GFS $100 was because honestly they were beyond nice and understanding on the phone....and they did not hound or harass me at all. I'm down to 2 of the 6 that haven't either settled with or feel like we are close.....Ameriloan which is CRAZY and High Country which is unreachable. Even when you call?

I'm very dismayed about BBB closing the case with Ameriloan as unresolved. Any ideas on next steps is GREATLY appreciated. I sent recovery an email telling them they were illegal and I owed them 0, nothing, zip, zilch, nada .....

file AG complaints against the CA.they know AMERILOAN is illegal and will act illegaly to try and collect.this isn't the first time AMERILOAN got the BBB to close a file.just keep up on your complaints.

Well it hasn't gone to collections yet.........that stupid ameriloan recovery website.............But if they won't budge I guess it will just have to.........I'll bug them daily about status and if gone to collections, refile BBB and check status of AG complaint. They are just NASTY.

I refiled with BBB.......AG just sent me a letter telling me they appreciate info I'm giving them...yadayadayada...I am losing steam....