My first call from my PDL's

What did that 'Mark' actually told you? That he will refund you the amount you overpaid. Well then, thats' the best news you can ever have.

I haven't talked to "Mark" yet. That was just the vm he left. Should I call him back since I told them in my C&D to communicate by email only?

No need to call these people. These are just bottom feeders. if they want, they will give you a call. And send them the email again that you need the refund as well as the PIF.

If they don't comply to your request, keep it sending again and again. Let their inbox be filled with your mails.

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Well, Mark got through to me today at work. My calls are not screened, so he got through. He told me that I had a balance due on $965 and that they would waive $365 in fees and I could pay the balance in 4 installments of $150. I think not. I told him that the loan was illegal in MD and that I was only obligated to pay the principal amount of $600, which I've already paid back, not including the $1010 add'l charges I paid. He did acknowledge that I paid quite more than the original loan, and he really didn't put up much of a fight. Guess he realized that I was budging. Told me that he was turning it over to their legal department. Oh, and I also told him that I filed complaints with BBB, FTC and my AG's office and my AG's office was quite interested in the fact that they are still issuing loans in MD when they know they're illegal and have been for a very long time. Guess I'll see what happens next.

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For these illegal bottom feeders, the word 'legal' carries the most illegal meaning. They think they can do anything under the word 'legal'. The words 'federal' and 'legal' are mostly found in their names!!!!

Dear XXXXXXXX,

Your loan of XXX is due on Friday, November 5, 2010. Please call our office toll free at 888.276.2928.

If you would like to pay your LOAN IN FULL or EXTEND your Loan, or INCREASE your LOAN AMOUNT please contact us as soon as possible. Our business office hours are from 7:00 AM - 5:00 PM Pacific Standard Time Monday to Friday. IT'S IMPORTANT THAT YOU CALL US.

Thank you,
VIP Cash
888.276.2928

I resent the demand letter asking for PIF and refund. UGH!!!

This is the easiest way to put a customer under more debts. These illegal PDL lenders try this tactic to get the bank account information from the customer as well as put him under new load of debt.

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They DEFINITELY have their own ideas of "legal;" I'm also in Maryland and told the PDLs that the Dept. of Financial Regulation in Maryland and state Attorney General said the PDls were illegal; one PDL told me that the MD Government was wrong! O-kay.... (by the way you might also want to contact the Dept. of Financial Regulation in Baltimore if you're in MD, for additional help and advice; their contact info is listed w/ the MD State laws on this site)