paydaymax/credit protection depot email

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I had a loan with PayDayMax for $300 back in September and then I lost my job. months passed and I communicated with them and told them the situation and they still continued to hound me. Then I just stopped responding and they sent my account to collections, a company called Professional Debt Mediation, and claimed they were going to sue me for fraud. (I got a horrible phone call clearly from some bum at a call center saying he represented so and so law agency. Then i told PDM that these people were also hasseling me to collect, it was clearly a tactic on both sides to scare me into paying $800.)

Needless to say I found this site and found out PDLs are not legal in my state, NY, and sent my letters in and everything. I have not heard from them since but I know they are biding their time as I just closed my bank account, last week and told the bank what is up.

Good Luck in dealing with them, they are terrible. But hold your ground.

Ignore their letter, it is a from letter that they send out to all defaulted consumers. Stick with your proposal they owe you a PIF:wink:

I get them letters also with different amounts owed. I have been sending small payments every other week thru Money Gram. When I complete the amount borrowed from them, then I will tell them I am finished paying. Their letters are a P.I.T.A. but every time I

LOL... I it the wrong butten.....

As I was saying...... Their letters are a P.I.T.A. but every time I call them they are very kind and always saying yes Mr. But remember I did fax them a letter a while back.

Out of the four I am paying back, they are the only ones sending me that crazy letter. I guess it just a reminder that my payment is due...lol

I get the exact same form letter from them. Its been about 2 months since I closed my bank account. They sent emails for the first 2 weeks or so-they still call most days once or twice-but I never answer and they have never left a message.

I am not sure if you are aware of this or not but they are overseas and not even in this country.

i faxed the cease letter again with the same info today. none of my other pdl companies have called me or offered a pif. i'm getting worried. i have two to pay off. iadvance wants me to pay 480, instead of the 300 i borrowed. the guy on the phone was trying to tell me the payment i will send in is the 90 fee, which if that were the case, would make what i owe 390. he couldn't explain why i owed 90 more on top of that.

I wouldn't even bother speaking with them on the telephone, they will do their best to intimidate you, if I were you, I would limit all contact with them via email only. Pay the principal amount, keep your receipts and ignore them, period.

This is the email they send me every week... even after i send in a payment. Of course every time they send this, the amount they say I owe has just about doubled. The only thing they have comming is the original amount I borrowed. Period.




Credit Protection Depot
1-866-645-1661
NOTICE OF BROKEN PAYMENT ARRANGMENT

We have received notification that the payment that was due on June 5th 2009 was not received as you promised. It is imperative that you contact us today concerning this issue.

It is important for you to do this so that the account is not continuously debited which could result in additional returned transaction fees at your bank, and with us.

If you do not make your payment as promised, you risk the escalation of your account to outside collections along with losing the privilege to reapply for future loans with our company. It could also require us to report your account to Teletrack and other national credit bureaus. If we do so, this may also rescind your availability to obtain other loans, including payday type loans.

If you wire in your money today, we will not have a need to debit your account or initiate the above-mentioned action. Your payment will also allow us to retain your account in-house. Therefore, we must require that you render your payment in the amount of $713.95 via western union quick collect or moneygram immediately. This payment reflects your balance as of June 9th 2009.

You need to go to Western Union and get the BLUE QUICK COLLECT FORM (or go to www.westernunion.com and choose the quick collection option)

1. COMPANY NAME: CREDIT PROTECTION DEPOT
2. CODE CITY: OFFER (ONE WORD NO SPACES).
3. STATE: NEVADA
4. ACCOUNT #: Your Social Security Number
5. The reference # is Your Telephone Number

You can also use your debit card or various charge cards at www.westernunion.com

OR you can go to Moneygram and get the BLUE EXPRESSPAYMENT FORM
1. The Company name is: CPD-OFFER
2. The Receive Code is: 4243
3. The City is: Las Vegas
4. The State is: Nevada
5. The Account Number is: 1432124794


If you are unable to pay $713.95 for the entire balance on the loan, then we must require a minimum payment of $237.98 today to place the account on legal hold.

If this account is referred for further review and forwarded to our outside firm for additional collection efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be legally responsible for all additional fees associated with costs involved for the collection of this debt.

Call me today at 1-866-645-1661.

Your prompt attention and direct communication is necessary.

Sincerely,
Credit Protection Depot

**Please Do Not Reply To This Email**
You can contact us at our toll free number 1-866-645-1661.

Another thing, the only reason I call them is because you cant email them......

support (at) creditprotectiondepot.com