Sent out letters

Let's hope for the best case scenario, you get all paid in fulls!

I got an immediate response from Eastside Lenders pretty much saying that they were going to put up a fight. I have gotten a call about a survey from them today and also a call from them reminding me of my payment. No responses from the other ones yet. We'll see.

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I continue to send them the email daily and have gotten a response from them that if I have any questions about my loan than give them a call at an 800 number. Do I call them or just keep sending the email?

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I have checked the status of the Cash Yes account and they are giving me the screen to apply for a new loan. It's not the same status that I usually get. I have not received anything from them stating that the loan was paid in full there is also no info on the request for refund. I have gone through this place many of time and am only requesting the overpayment from the last loan. Do I contact them somehow or just let it go and see what happens from there?

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So now I am getting a call from a "collections agency' He says that he is calling on behalf of 2 businesses that I still have outstanding balances with. The one is with CMG Group and I took out a loan for $250.00 and have paid back $25. He claims that I owe $400 some dollars. Also Manhattan Processing I took out 200.00 and paid back $60.00. He claims that I owe them $300.00. He would like me to take care of these payments before 1 my time or he is talking about garnishment. I can't find an address to send a money order to CMG group. What do I do? Can he garnish that $700 some dollars.
Also Eastside Lenders is calling, I took out $500 and paid a total of $985.00. They are telling me that they are legal in Michigan with a License # of 8675. I don't believe this is correct but what do I do about this? Keep sending letters.

Debtpay1 Iris, sorry but illegal internet pdl's dont work with pdl settlement companies. You will get the same results doing it yourself and possibly better. All you need is knowlegde and support from others here. Please try it yourself and give it time it will not go away over night. But you can make it

Apparently CMG group sold my loan to a debt collector is what they are telling me and the debt collection agency is the one calling me. Where do I go from here?

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I actually had paid off the collection agency as it took care of the problem, but I still think that it was wrong for them to purchase a illegal loan.. What can I do about the collection agency. They are calling me on another PDL that they supposedly have of mine.

Send them a debt validation letter. If they cannot validate the debt, you don't have to pay it. And they can't possibly validate an illegal loan.

You shouldn't have paid the other one either.

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Oh and, I would also inform the collection agency if they decide to proceed I am filing a complaint AGAINST them for not complying with the FDCPA, I would also remind them of the fines they are subject to for not complying.

Here is the response that I got back from Anthony after sending letters for 2 weeks with no response. Not sure what to think about it.
I have been out of the office for the last week and you should have received an out of office reply to your emails. I have forwarded your correspondence to our legal department for further review. I will follow up with them after the holiday to find out how they would like to proceed. Thanks,

Anthony

[QUOTE=DorenC;704341]Here is the response that I got back from Anthony after sending letters for 2 weeks with no response. Not sure what to think about it.
I have been out of the office for the last week and you should have received an out of office reply to your emails. I have forwarded your correspondence to our legal department for further review. I will follow up with them after the holiday to find out how they would like to proceed. Thanks,

Anthony [/QUOTE]
I've read this time after time, it's another scare tactic, don't allow him to intimidate you.

I am not intimidated so much as I would just like this over with. Looking forward to it being over with and getting my money back. Has anyone dealt with this scenario and what was the outcome?

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I have received a response from the BBB in regards to the Integrity Advance Acct stating that they are closing the case because they have not heard from the company. Now if I file with the FTC and my attorney general's office it said to send them any paperwork in regards to the claim. Do I send them my bank statement with all of those transactions and if so can I black out all of my other transactions or does it matter.

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Ok so I get a response from Integrity in regards to this matter. Here's how it went
Integrity told me that they would give me $350.00 and mark my account in full if I signed a mutual aggreement and marked my complaints with BBB etc as resolved. I then responded and said that I would accept $1500 (meet closer to the middle) because the truth was that they actually had owed me $2040.00. So now this gets forwarded from anthony onto their "legal department" and here is the response I get.
As General Counsel for Integrity Advance, this matter has been escalated to my attention.
I have thoroughly reviewed the email correspondence between our company and yourself
as well as your loan history. Please note the following:

1. Your allegation that we are governed by the laws of Michigan because we extended financing to
you is unfounded. We incur significant legal fees on an on-going basis to ensure we are in compliance with
all applicable laws and are confident that we are in compliance with applicable laws, namely Delaware, the
state where Integrity Advance is properly licensed. We also comply with all applicable Federal laws, such as the Truth
in Lending Laws requiring the so-called “TILA” disclosures.
2. We offered to mark your account paid in full and refund you $350 in an effort to resolve your
complaint without escalation, even though we are not obligated to do so and there is no legal basis for your claim.

3. We interpret your statement that your are ”demanding a refund on the $1500.00 and I will then sign the mutual agreement
forms and contact the BBB, FTC, and Michigan's Attorney General's office” as extortion. This can lead to both criminal and civil prosecution.

After giving this matter careful consideration, and against my better judgment to withdraw our original offer to you
(especially in light of your extortion attempt), and without obligation to do so, we will still extend our original settlement
offer plus $150 ($500 total) to you until 5 pm ET on Monday, June 14, 2010.

Please notify us ASAP of your response to this offer. If you accept our revised settlement offer, we will send you updated documents
reflecting the $500. If we have not heard from you by the deadline, we will assume you have rejected this offer and we will continue enforcing
our rights in accordance with our signed agreement with you, pursuant to Delaware law. What do I do? Please Advise!

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You have no presence in Delaware, therefore the laws Of Delaware do NOT apply to you. Your state law requires THEY be licensed in YOUR state, they aren't going to walk into a court of law knowing this, they will threaten you though, their threats are empty, seriously. Not as thing they can do, demand a refund due to the fact they have no legal leg to stand on, and let them know that you have already filed complaints and will NEVER state it was resolved unless you receive the funds due you.

One of the problems that I am having is that I do not owe them anything. I didn't close out my account before they were "paid in full" They had already been paid off before I learned the laws. I owe them nothing. They have gotten whatever they want from me, they don't care how long it takes. Do they really care if it is resolved. Should I go for more or is it enough to just accept the $500.00. Part of me is saying I deserve the whole amount and part of me is should I say falling for their scare tactics.

If I accept the $500.00 is there a promlem with signing the agreement?

I need to know what I should do. I have accepted an agreement with Integrity advance. They will give me $500.00 and a pif letter if I can make everything with FTC, Michigan AG, and BBB resolved. However I have only actually gotten around to filing with BBB. They want me to fax them the resolved statements in order to get the refund. What do I do?

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