Pay day yes loan
Date: Tue, 09/01/2009 - 11:25
Hi, I have a quick question. I had a pay day loan with pay day one or pay day yes (they go by the same name) a couple of years back. I paid on it, but they are saying I still owe. I have a different account now, but they say that they have that information (don't know how they got it) and that they are going to debit my account. Can they do this to my new account???
Also, they called me today at work (don't know how they got my work number) and I answered. I told them that I didn't work there anymore...I didn't want to get in trouble and I don't know how they found out where I worked! Then they somehow got my HR contact information and called my HR department. The HR department just called and talked to me and then wanted my boss.
What can they legally tell my HR department? I live in Texas so I know they can't garnish my wages...
I am freaking out trying to figure out how they got my current information.
I more than paid them off a couple of years ago. I just stopped paying once I lost my job at the time. I think I borrowed 300 and paid back 700 or so. But they didn't consider that PIF because they said I had finance charges.
Are they legal in Texas?
Any help is appreciated.
Also, they called me today at work (don't know how they got my work number) and I answered. I told them that I didn't work there anymore...I didn't want to get in trouble and I don't know how they found out where I worked! Then they somehow got my HR contact information and called my HR department. The HR department just called and talked to me and then wanted my boss.
What can they legally tell my HR department? I live in Texas so I know they can't garnish my wages...
I am freaking out trying to figure out how they got my current information.
I more than paid them off a couple of years ago. I just stopped paying once I lost my job at the time. I think I borrowed 300 and paid back 700 or so. But they didn't consider that PIF because they said I had finance charges.
Are they legal in Texas?
Any help is appreciated.
I seriously doubt that they have your new info! I also doubt tha
I seriously doubt that they have your new info! I also doubt that they are legal anywhere! I would just keep hanging up on them! They will look for an easier mark! They will probably sell it to a third party collector who will not be able to collect legally either! Do not worry!
It would depend on your state laws regarding original creditors!
It would depend on your state laws regarding original creditors! The FDCPA does not apply here! I would suggest emailing Bud Hibbs in Texas on his site. www.budhibbs.com He is always willing to help fellow Texans! Hopefully someone else with knowledge of your state will come along here!