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hey can you guys help me?

Date: Mon, 11/08/2010 - 10:57

Submitted by tim k
on Mon, 11/08/2010 - 10:57

Posts: 12 Credits: [Donate]

Total Replies: 16


hey can you guys help me?


Since all your PDLs are illegal, you don't owe them anything more than the actual loan amount borrowed. On top of that, you must close your bank account ASAP to save your money from these illegal lenders. Check the following link to know how to deal with these illegal lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html


lrhall41

Submitted by paulcahill80 on Mon, 11/08/2010 - 12:01

( Posts: 2359 | Credits: )


here is my letter, what do you think?? `am i missing anything???

[COLOR=black]Date:

Name Of PDL

Your Name
City, State
Account #

This letter is to inform you that I am aware of the FACT that the loan you issued to me, is NOT legal or binding in my state (NEW YORK). For your convenience, I have included my state payday loan laws below.


Licensed lender law applies but interest rate is that agreed to by contract. N.Y. Banking Law ?? 340 et seq. A check casher licensee cannot make loans nor cash or advance any moneys on a post dated check unless it is a payroll check. N.Y. Banking Law ?? 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code ?? 190.40.


The state of New York prohibits payday loans, therefore, I am bound by the state laws where I reside. As I have no presence in New York therefore I have no legal obligation to the 'governing laws' you may have detailed.

Be advised that as of today 11/08/2010 I am revoking ANY and ALL ACH authorizations with your company from debiting any AND all of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I also revoke ANY and ALL wage assignments I may have signed, by you, including but not limited to; any of your affiliates, dba's, and collection agencies assigned to this account. None of the above no longer have my permission to access my accounts or impose a wage assignment.


I will only communicate to resolve this matter via mail or email. If you ignore this notice and attempt to contact me or any of my references via telephone, you will be ignored and any payments owed will be delayed. I am willing to pay the principle amount of the loan only, however, no address means NO payments, this is not negotiable.

If you do NOT reply to this notice within 48 hours I will be forced to file complaints with my Attorney General ANDREW M. CUOMO, the BBB and the Federal Trade Commission. If you reply to this notice with any misleading legal implications or menacing course of actions you are unable to follow through with, I will be forced to take actions against you which can cause damage to your reputation, which could potentially decrease your clientele!



Sincerely,

[/COLOR]


lrhall41

Submitted by tim k on Mon, 11/08/2010 - 23:20

( Posts: 12 | Credits: )


Tim K,

Take the advise of this forum and file all of the necessary complaints. Close your account and get control of your money. This will bring you great relief and give you your power back. I have received a lot of sound advise from this forum myself, it gave me the strength and courage I needed to get out from under the PDL mess.


lrhall41

Submitted by Buzzette on Tue, 11/09/2010 - 09:19

( Posts: 401 | Credits: )


Thanks for all your advise!! I did what you said and I am getting calls at my job now??

No worries, lol..........they don`t scare me!! I also got this email below from one of them, please let me know what you think???

Credit Protection Depot
1-866-645-1661
CLOSED ACCOUNT WARNING

Tim K

We have received information from your bank that you have closed the account, which you authorized to be debited in order to repay your legally binding loan obligation. We consider this to be a refusal to repay your debt and will immediately initiate action to protect our interest. We must require that you render your payment in the amount of $866.22 via western union quick collect or moneygram immediately. This payment reflects your balance as of November 10th 2010.
We may also initiate other action, which may include, but not be limited to, obtaining legal representation, (which would create additional charges to you), if we do determine that a request be made for service or a court appearance for a possible judgment be issued against you for the repayment of this legally binding debt.
Depending on the circumstances surrounding how you obtained the loan, we may also initiate internal investigation to ensure all information submitted on the loan application was accurate and not done fraudulently in order to attempt to obtain a loan under false pretenses.
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:xxxxxxxxxx

If you are unable to pay $866.22 for the entire balance on the loan then we must require a minimum payment of $288.74 place the account on hold.
If this account is referred for further review and action 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 responsible for all additional fees associated with costs involved for the collection of this debt.
Please call us immediately with the Control Number of your wire in order to update your account and to avoid other action and charges to you.
I would highly suggest you call 1-866-645-1661 to resolve this matter immediately. This is the only way for you to resolve this very serious situation, which you have initiated. Your failure to do so may result in the above-mentioned action being taken
Thank you,
Credit Protection Depot


lrhall41

Submitted by tim k on Wed, 11/10/2010 - 23:30

( Posts: 12 | Credits: )


They are one of the most notorious company. They will harass you with legal and hi-flown words to scare you to pay them. BE rest assured, you owe nothing to them. I've already contacted the NY State Attorney Generals' Office, and they repeated the same..they can't do nothing but call and harrass people as they are illegal.


lrhall41

Submitted by paulcahill80 on Mon, 11/15/2010 - 10:03

( Posts: 2359 | Credits: )


now I`m getting emails and calls for EVEREST CASH ADVANCE, I NEVER DID ANYTHING WITH THIS COMPANY, AND WHEN I ASK THEM FOR PROOF (VIA EMAIL) THEY SEND ME SOMEONE ELSE INFO. WOW.........., SEE A EMAIL FROM THEM BELOW (WITHOUT ANYONE INFO)


I am contacting on behalf of your delinquent account with Everest Cash Advance. I want to inform you that we offer several options concerning your payday loan.

By working with our company directly, you can:

• Avoid further collection activity
• Save up to 25% on balance payoffs
• Make interest-free payments
• Split your balance into as many as 10 payments (depending on the amount of the loan balance)
• Avoid your account from being forwarded to a third party collection agency where more fees could be accumulated

I am here to work with you to get your account settled.

Please contact me at your earliest convenience so we can discuss different payment options. Thank you and have a great day!

Ian M.
Collections Representative
Telephone: 866-794-3244 Option 5
Fax: 866-287-9563
[EMAIL="Ian@pdlsupport.com"]Ian@pdlsupport.com[/EMAIL]



Thank you,
Ian M.
Collections Representative
PH #: 866-321-6114 option 5
Fax #: 866-287-9563

This communication is an attempt to collect a debt and any information obtained will be used for that purpose


DO YOU HAVE ANY INFO. ON THIS COMPANY???


lrhall41

Submitted by tim k on Sat, 11/20/2010 - 03:20

( Posts: 12 | Credits: )