Can they do this, I need help....
Date: Sat, 01/09/2010 - 07:05
"We have made repeated attempts to reach you regarding your past due loan balance.
You are hereby given seven days from this notice in accordance with Section 7-15-1, Utah Code Annotated, or appropriate Civil Legal Action is being filed against you for the amount due and owing together with interest, court cost, attorney's fees and actual cost of collections as provided by law.
Your employer is currently being contacted and we will immediately seek to garnish wages.
You are currently being added to SCAN (Shared Check Authorization Network). This will permanently affect your credit rating with all bureaus. This will immediately stop your ability to do the following:
1. Write checks throughout the United States.
2. Open any bank account throughout the United States.
3. Receive another loan from any short-term lender throughout the United States.
Representatives are standing by to assist you in bringing your account current, but we can't help you without communication from you. Call now 1 (866) 569-3321.
Regards,
FloBridge Collection Department"
Quote:Originally Posted by AnonymousPlease see the email I recei
Quote:
Originally Posted by Anonymous Please see the email I received this morning. Yesterday they sent me an email with their payment address. "We have made repeated attempts to reach you regarding your past due loan balance. You are hereby given seven days from this notice in accordance with Section 7-15-1, Utah Code Annotated, or appropriate Civil Legal Action is being filed against you for the amount due and owing together with interest, court cost, attorney's fees and actual cost of collections as provided by law. Your employer is currently being contacted and we will immediately seek to garnish wages. You are currently being added to SCAN (Shared Check Authorization Network). This will permanently affect your credit rating with all bureaus. This will immediately stop your ability to do the following: 1. Write checks throughout the United States. 2. Open any bank account throughout the United States. 3. Receive another loan from any short-term lender throughout the United States. Representatives are standing by to assist you in bringing your account current, but we can't help you without communication from you. Call now 1 (866) 569-3321. Regards, FloBridge Collection Department" |
Did you send them a C & D letter? Looks like this bill has changed hands again perhaps? No worries, shoot them an email immediately like the one below, print it out and take it to your employer. As far as SCAN, it's my understanding this was an Internet loan? There was no hard copy check involved correct? You wil need to reply and tell them there was no hard copy check involved and if they really follow thru you will need to dispute it with SCAN
Quote:
The date Your name and address The name and address of the creditor Your account number with the creditor Dear Sir or Madam, I hereby revoke your right to use any wage assignment I may or may not have signed with you. You no longer have my permission to use this wage assignment. If you fail to abide by my wishes, there will be consequences to your actions as I am sure you are aware. I have sent a copy of this to my employer and my financial institution, therefore any wage assignment request made by your company will be denied. Sincerely, Your signature |
I did send them a C & D letter on December 28th, and several tim
I did send them a C & D letter on December 28th, and several times after that, it hasn't changed hands Flo Bridge is the PDL lender. Do I just give my employer a copy of the letter I sent them?
This was an internet loan. The license on their own website states they can only lend in the state of Utah. I'm filing a complaint with their state as well.
This was the first paragraph of my original letter, do I need to
This was the first paragraph of my original letter, do I need to send them anything else?
"
Effective immediately, I hereby revoke authorization to FloBridge or any representative, parent company, affiliate, or subsidiary of FloBridge, to withdraw any funds electronically from my checking account ending in, XXXXX in the name of XXXXXXX. The account has been frozen to all further activity from this company, so any attempts to debit this account will be returned. I also revoke any wage assignments that may be involved from your company or any of your affiliates. I have notified my employer about this matter so any attempts to do so on your part will be rejected. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General’s Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan."
You are going to love this....... The language on their own lic
You are going to love this....... The language on their own licenses posted on their website reads that they can't give out payday loans to individuals in any other state.
Wow, just when you think you've heard it all, these internet len
Wow, just when you think you've heard it all, these internet lenders do something totally off the wall, lol...
First off, I think most banks in the US use Chexsystems, and if you land in there, it's a pretty big deal. Possibly SCAN is just used by Pay Day Loan places, and if you get banned from there, so what??? Not like you're ever going to get another one, right?
Second, they can only garnish by getting a court judgement, so relax. Nine times out of ten, they are not going to take the time to sue you over a $300 loan.
Third, they can NOT send you to jail. We do not have debtor's prisons in the USA!
Lastly, all they can do is ban you from getting another loan with them, which isn't going to happen anyway, right?
Quote:Originally Posted by AnonymousI did send them a C & D lett
Quote:
Originally Posted by Anonymous I did send them a C & D letter on December 28th, and several times after that, it hasn't changed hands Flo Bridge is the PDL lender. Do I just give my employer a copy of the letter I sent them? This was an internet loan. The license on their own website states they can only lend in the state of Utah. I'm filing a complaint with their state as well. |
Oh OK, well you had already covered that with the original letter. Yeah, I would take the original letter to your employer. This goes to show you the mentality of illegal lenders, not the brightest bulb in the bunch, if you know what I mean.
First off i love it how people take out loans like this and act
First off i love it how people take out loans like this and act like a victim when its time to pay it back. Yes its a short term loan, yes you are agreeing to pay back normally much more than you borrowed. Had you done as much research before taking the loan as you did trying to avoid paying it back you might not be in the situation you are in, then again perhaps it was your plan all along.
That being said, was it the company you took the loan from that sent the email or a collection agency? It could be a violation of the FDCPA if a collections agency threatens to sue, garnish and so on if they dont actually do it which would mean ethier they are breaking FDCPA laws or are actually intending to sue you.
wow!!!No one is acting like a victim... there is no judging here
wow!!!No one is acting like a victim... there is no judging here. If you are going to judge maybe you need to stay off this site. We are here to support people. These lenders are wrong. Maybe you work for one of these illegal lenders..