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Has anyone ACTUALLY been sued?

Date: Wed, 11/17/2010 - 09:59

Submitted by anonymous
on Wed, 11/17/2010 - 09:59

Posts: 202330 Credits: [Donate]

Total Replies: 78


I live in NY, and have several payday loans. I'm stupid, I know. They are all for $200, and have anywhere from 1-3 payments on them already of $60. I also have 1 for $700 with Nationwide Cash, which I have paid 3 times $105 on.

My question is this...I do not expect these companies to just disappear or submit to my demands easily, as per the letter template I found on these forums. I know I've seen others, in NY, say they have used the letter, and closed their bank account. Some reported that some companies get back to them rather quickly via email with the no doubt standard "We are not in your state, so we are not subject to your laws...you owe us as per the contract"...etc.

Can someone please ease my mind on this? Which is correct? If I got these loans via the internet, how exactly are they subject to NY laws without a presence here? Is it a case of the state in which the contract was signed takes precidence?(sp) How does that work?

Also...has anyone really gotten sued? These companies are in different states and even different countries(three of my loans are out of country)...are they actually sending or hiring a lawyer to sue you? Has anyone EVER actually gotten served and sued? If you live in NY and have experienced this, a response would be appreciated.
I just want to make sure that in a couple of weeks when I close out the accounts and send these cease and desist letters that I am not queuing up 9 different lawsuits.

Be well, friends.

Mike W.
Terrible With Money :(


Payday loans are ILLEGAL in NY. They cannot sue you for a illegal debt.

It doesnt matter what state or country they are located in and yes they will try to tell you differently. Bottom line is you are subject to NY laws, not theirs. Close your account, revoke voluntary wage assignment and tell them you will pay the principal balance by mail order only.


lrhall41

Submitted by SOAPLADY on Wed, 11/17/2010 - 10:11

( Posts: 17315 | Credits: )


well let me ease your mind here.being as all pdl's are illegal in NY especially internets they will threaten lawsuits,but you must be sued in your town,village,county,bourough.most ipdl's are not even based in this country so suing would be next to impossible.also anything debited gets deducted from the principle.example.

you say some of your 200.00 loans have gotten three 60.00 debits.well you only owe 20.00 on that.if they got two 60.00 debits then you owe 80.00.just know that any threats these places make will be over the phone,or by e-mail.nothing legit is ever done that way.i do have to ask this.

please name all of your loans,the names of the places,and how much was borrowed exactly from each.also how much in fees was debited thus far.btw it is important to close your current account if you haven't done so because most ipdl's will denit forever if you allow it.in closing follow the guidelines here and you will rid yourself if these faster than you thought possible.


lrhall41

Submitted by paulmergel on Wed, 11/17/2010 - 10:15

( Posts: 15514 | Credits: )


@ Paul -- here is my breakdown as of tomorrow

Gov. Emp. Cred. 200 paid 220
Sure Advance 200 paid 220
Ameriloan 200 paid 240
United Cash Loans. 200 paid 180
My Payday Advance 200 paid 180
Your Fast Payday 200 paid 120
Nationwide Cash 700 paid 210
Galaxy Marketing 200 paid 60
Paradise Cash 200 paid 322.50

Thanks....I am still a little nervous about this, but I have the letter ready for each of them to go out next week after I close the bank account. I am also gonna "CC" my HR department with each of the letters so that they have each companies "Wage Assignment:" denial.

Am I missing anything else? Besides getting the Money Orders or Pre-Paid's together to close out the principle?

Mike W.


lrhall41

Submitted by on Thu, 11/18/2010 - 10:47

( Posts: | Credits: )


OK...I signed up for an account....I gotta be honest with ya'll....I am VERY nervous. I have some transactions on my checking account that need to close, and once they do, I am pulling the trigger....I know the letter states NOT to contact my work, but I got a feeling they will anyway, and yeah I warned them, but still....it's business I don't really want out there....

Ah well....this is what I get for my poor money management skills and falling for these guys for so long. If you knew how long and how much money I've paid these guys over the years....

gah


lrhall41

Submitted by Mike W. on Mon, 11/22/2010 - 08:43

( Posts: 94 | Credits: )


Most of us DO know how much you've paid because we've done the same thing; don't send the letters until after you get your account secured, as these outfits will try to get whatever they can from your account. (If you still have a couple of outstanding checks or other debits, can you talk to the bank manager and ask that your account be put on deposit only status except for those transactions and after their paid, close out the account?) From the list you gave above, it looks like some of the PDls actually owe YOU money. The first few steps on getting PDL-free ARE difficult, but I tell you what, that feeling of getting out of the PDL trap is GREAT! Please keep us posted and if you have any questions, this is the place to ask.


lrhall41

Submitted by on Mon, 11/22/2010 - 10:46

( Posts: | Credits: )


OK...my Bank of America account is closed. I called the 800 nnumber, and spoke to a Bonnie, who was super nice, and I explained the situation. I asked for them to put the account on Deposit Only, or Hard Hold, and she explained that wasn't something they did. I then buckled and admitted to being a payday loan junkie, and she said that if we were to close the account, due to fraud/checks stolen, ALL transactions would be stopped on it. This is acceptable, as I was going to close it anyway. I did ask her specifically that NO-ONE would be able to do an ACH transaction on my account, or produce and submit a paper check, and that my Visa Debit card would be deactivated. She said yes to all of this. I asked her for her name and location, and a confirmation number, which she gladly gave to me.

Considering I now have proof of what I needed done, with a confirm number, and the account is closed...I am ok, and should one of these charges sneak through, I can refer to this conversation I had with Bonnie, and they'll wipe it clean.

Now...to send the emails to the PDL's. I think I'm gonna do that this weekend.

Huzzah! Be well, friends.


lrhall41

Submitted by Mike W. on Wed, 11/24/2010 - 07:54

( Posts: 94 | Credits: )


I will most likely do that, it's just my work schedule doesn't allow me to get to a bank and spend the time it might take to close the account. I do feel pretty good about the account being closed due to fraud, and with my conversation with the phone rep, who I made repeat at least twice to me(in case they were recording), that no transactions were going to be allowed on the account. She even went as far as to say, "What about some of your other transactions, like Sprint or Netflix? This is going to affect them as well." She was pretty on point about the whole thing. Essentially, I reported to them that my account was compromised for fraud, and that no transactions at all are allowed. They are even mailing me a check for the leftover balance(just a couple of bucks, but still).

I feel pretty good about it. And if they DO hit the account, I got proof it shouldn't have and I'm protected. Way I look at it, if it happens, it's on BofA now.

But just the same, if I happen to get the time between now and next Friday, I will stop in the branch and confirm everything with a human being.


lrhall41

Submitted by Mike W. on Wed, 11/24/2010 - 08:30

( Posts: 94 | Credits: )


OK...the day of reckoning has arrived, and I sent the letters via email out to all the PDL's I listed above yesterday afternoon. Today would have been the day they hit my checking account, but it is closed and is still closed as of this morning. I haven't gotten any calls or return emails, but I am certain that will change as soon as the "business day" begins. I have my HR and Supervisor warned here at work about the situation...I scour these forums alot lately, and I'm a little concerned about the stink companies like United Cash/Ameriloan/Nationwide might put up, but I am confident the advice ya'll have provided with ultimately work out.

As for filing complaints to the AG, is there a template letter for that somewhere, because the NY State website does have an online tool to file complaints, but I find it to be kinda hard to use.


lrhall41

Submitted by Mike W. on Fri, 12/03/2010 - 05:20

( Posts: 94 | Credits: )


haha I guess the prayer didn't work...

I got a call this morning from Alliance Asset Management, who are collecting on a debt for Sure Advance and Cash Direct Express(both were 200 loans, 220 paid to them). The first woman on the phone was kinda nice actually, and I told her the pay day loan is illegal in NY, and I wasn't paying anymore on them. I also told her I couldn't accept collection calls at work. She said ok, and asked me to hold so her Supervisor could remove my work number from their call list. Another guy came on and basically gave me the same schpiel as the first lady, and he was nice enough. Basically explained that Sure Advance and Cash Direct Express were the same, and I explained again that I wasn't going to pay anymore and that after paying 220 bucks, I considered the accounts closed. He said that he had to see what could he could do to close the accounts out. After another hold, a THIRD person came on, and she said that they could close the accounts out for a 1 time payment of $118 bucks, to which I said no, that it was illegal in NY, and that I wasn't going to pay another dime. She said, so what you are saying is that you are refusing to pay this debt? To which I said yes. She said good luck sir, and hung up.

SO.....did I do right? Should I be worried? These guys are definately getting reported to the Attorney General now.


lrhall41

Submitted by Mike W. on Thu, 12/09/2010 - 06:59

( Posts: 94 | Credits: )


All righty...I'm actually surprised this is happening, because these were two I figured would just go away since they got at least their initial money back, but that's my ignorance I guess.

Also, I'm going to search around here for a template for a letter to the various AG's because I do not wish to use the online forms. I'm a little scared to because one of the question asked on it is "Did you sign a contract?", which I did technically...online anyway. Answering to the affirmative to that scares me.

ahhh what a rollercoster LOL


lrhall41

Submitted by Mike W. on Thu, 12/09/2010 - 07:23

( Posts: 94 | Credits: )


I am in the midst of writing the letter to the AG, and I will also send them to the FTC. The BBB seems kinda pointless because these companies are all shady and wouldn't care what the BBB thinks of them. I will post the letter to the AG when it's done.
In the meantime, while I write it, I have given Sure Advance and Cash Direct Express(Gov. Emp) ONE LAST CHANCE to call off the dogs....literally 24 hours...this is the email I just sent them both...
Quote:


Good morning to you...

This morning, I received a phone call, at work, from a collection agency in IL regarding this loan. They offered a settlement amount of around 118 dollars, and I continue to maintain that the account is paid in full, as 200 dollars was deposited, and 220 dollars had already been collected. Your collection agency has been informed that they are no longer to contact me on the phone, and especially at work, as per the laws in the Fair Debt Collection Practices Act. One more call from them at my work, and I will be forced to begin action against them.

At this time, I request an address to which I may forward the complaint letters I will be mailing out to the NY and now IL State Attorney General, as well as the BBB in each of those states, and the Federal Trade Commission regarding this account(AND the one with Cash Direct Express, seeing as your collection agent essentially admitted that you are one in the same), as you requested in your earlier correspondence.

If an email is sent to me within 24 hours of this email stating my account(I will be sending Cash Direct Express this very same email), is closed permanantly and considered paid in full, and collection action is stopped, I will refrain from sending those letters to the various agencies.

I wish you well.


I edited this to be more specific to Cash Direct Express as well....Thoughts?


lrhall41

Submitted by Mike W. on Thu, 12/09/2010 - 08:17

( Posts: 94 | Credits: )


Here is my letter that I(was) going to send to the NY AG...


Quote:


Office of the New York State Attorney General
The Capitol
Albany, NY 14222-0341


Dear Sir or Madam:


I am writing this letter regarding a service I received from Sure Advance, an internet pay day loan provider.


My account number with Sure Advance is unknown, but perhaps they can access it with my name and address, and the last 4 digits of my SS number, which is XXXX.


Sure Advance is charging interest and fees on a short term advance that is well over the allowable 25% in New York State, as per NY's Usury Law. On 9/8/2010, $200 was deposited in my checking account. Every two weeks there after, $44 was debited from my account, using ACH transactions, until a total of $220 was reached. It is then I learned that these interest rates could not legally be charged in New York State. However, despite the principle being paid back in full, plus $20, they insist on collecting on this, as I understand it, illegal loan.


$220 has been sent to this company via ACH transactions.


I contacted Customer Service on 12/02/2010, and explained that the service was unsatisfactory due to the exorbitant and illegal interest rates. They responded and asked if I were referring them to the Attorney General, to which I replied not unless they didn't close the account immediately, as the $200 deposit was paid back, and the interest fees were null and void in NY. They referred the account to a collection company in Illinois, Alliance Asset Management, which attempted to collect an additional $118 to “close the account”. I responded that I considered the account closed, as over $200 had already been paid, and that I was refusing to pay another dime. Failure to receive an appropriate response to this issue has prompted me to write to directly to you.


I would appreciate your assistance in resolving my complaint. What I would like is confirmation from this company that the account is paid in full, from Sure Advance. The initial deposit of $200 was made to me on 9/8/10, and $44 payments to Sure Advance were made on 9/24, 10/08, 10/22, 11/05, and 11/19.


I look forward to hearing from you regarding this issue. If you have any questions, please I can be reached at the above address.


If you all think that is a good template, please feel free to edit out whatever you want, and post it somewhere in a resource thread. It is the least I can do for this forum's support and advice. You are all in my prayers.

I say WAS going to send(regarding Sure Advance anyway) because they sent me a PIF! Less than an hour after I sent the last chance email to Sure Advance, I got a phone call from them. I didn't answer, and it was a supervisor saying she was having trouble with my email. I checked my email and BAM....there is an email from that lady, with a PDF attached saying I was paid in full with Sure Advance! Full disclosure was made, yadda yadda, but we'll clear the balance anyway...etc....

SO....victory there! But I am still sending the complaint letter for Cash Direct Express and that Alliance Asset if I don't get a response from them.

Be well, friends.


lrhall41

Submitted by Mike W. on Thu, 12/09/2010 - 09:27

( Posts: 94 | Credits: )


Over the weekend,I got emails from Ameriloan(200 paid 240) and United Cash(200 paid 180), warning me my lending potential is in jeapordy! OH NOES!!!!

[QUOTE]
Ameriloan Recovery Department now holds account #XXXXXXX which is in a collection status. According to our records, your outstanding balance is $260.00. (If you have recently resolved this account over the phone, please disregard this message.)
Most likely this loan was used to help with unplanned expenses. Keep this quick and convenient option available the next time something unexpected happens. Immediate action is required to avoid impacting your future borrowing options. We value you as a customer and would like to help you take care of this for less than you owe.


To accomplish this, we are providing you:


  • A private and totally secure website for making an offer on this account for less than you owe.
  • The convenience of making your payment(s) online.
  • The pleasure of clearing your account without ever talking to a collector.
  • Flexibility to schedule a payment today and not pay anything for up to 14 days.


It is quick and easy: [LIST=1]
  • Grab your debit card and click on this link to log on to the website [URL="http://tracking.transact-4.com/?a=2030&m=recoverydunningletternorth1-10442&n=534-1975092&s=ab000000660427&u=http%3a%2f%2frecovery.ameriloan.com&t=&e=MIKEY%40BIGMIKEWATTERS.COM"]recovery.ameriloan.com[/URL].
  • Enter your account number and last 4 digits of your social security number.
  • Through a few simple steps you can verify your account information, and tell us what and when you can pay to settle this account.
  • When your offer is accepted, and you make the required payment(s) YOU WILL OWE NOTHING MORE ON THIS ACCOUNT.

    Please log on now to [URL="http://tracking.transact-4.com/?a=2030&m=recoverydunningletternorth1-10442&n=534-1975092&s=ab000000660427&u=http%3a%2f%2frecovery.ameriloan.com&t=&e=MIKEY%40BIGMIKEWATTERS.COM"]recovery.ameriloan.com[/URL]. This special offer is good only for a limited time.
    Should you have any questions concerning this account please feel free to contact us TOLL FREE at 1-800-404-9026.

    Thanks for being our customer,
    Ameriloan Department
    [email]Recovery@ameriloan.com[/email]
    [/QUOTE]

    I got an exact same email from United Cash. Very nice and pleasant aren't they? Much like all the others, I will kill them with kindness, and respond with another C&D, and a copy of their AG letter.


    • lrhall41

    Submitted by Mike W. on Mon, 12/13/2010 - 05:20

    ( Posts: 94 | Credits: )


    omg I am so flippin' relieved to be (nearly) rid of this albatross in my life....

    Just dropped 4 AG letters in the mailbox against Galaxy, United Cash, Ameriloan, and Cash Direct Express(GECC)....all of these companies have a presence in the US, so I would imagine that each of them will settle. I also emailed the respective email addresses with a copy of the AG letter I sent, so they know what is coming down the pike.

    I am certain they don't want the NY AG office doing some real research into them. I read that the last time NY looked into one of these companies in 2004, they sued the pants of them and voided all the loans from NY. As is...they don't even get the "morally obligated" principle. Seeing as two of these companies I still owe a little money to, I think(read: hope) they just comply.


    lrhall41

    Submitted by Mike W. on Mon, 12/13/2010 - 09:30

    ( Posts: 94 | Credits: )


    Oh yeah that's understood. My point is that now the AG is going to be involved, it might be in their best interest to just close the account out, should they wish to not have the AG look into them further. I have letters queued up for the OK and MO Attorney General as well, just haven't had time today to envelope them up. There is always tomorrow! :)


    lrhall41

    Submitted by Mike W. on Mon, 12/13/2010 - 11:40

    ( Posts: 94 | Credits: )


    Here is an email I just sent to Nationwide Cash....the AG letter is going to be mailed tonight...I won't bother posting that...it's the same as you've all seen...

    [QUOTE]
    [LEFT]To whom it may concern:
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    Please review the below email sent to Nationwide Cash's Customer Service on 12/02/2010. This is in response to a phone call and message made to my phone on 12/14/2010. Please be advised that I will not be fielding any phone calls regarding this account due to my need for ALL communication to be documented in writing. Personal phone calls are not permitted at my place of employment of any kind, and my management and HR departments have been made aware of this situation. Please do not waste your time calling there.
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    That being said, for MANY years now I have been a customer of Nationwide, and for years I paid and paid as per your program, without fail. Your records will show that. I am certain that your company has collected WELL into the 4 digits in "fees" or "interest". However, it recently came to my attention that the interest rates that your company are extremely exorbitant and in fact, illegal in NY State. I do understand that you are no longer located in the United States, and no doubt your assertion will be that you are not subject to NYS law. If that is your assertion, that is fine with me. I have mailed out an account of this situation to the NY State Attorney General. I have researched this issue, and there are NO "federal" statutes or laws that allow your company to charge these enormously high rates to your customers. None. There is nothing...no law that even would force me to pay back one penny of the money sent to me. You are not in NY State or the US? I am not in whatever country you are in.
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    That is not to say that your company did not send(in this last transaction) $700 to my checking account on 10/26/2010. After that happened, two payments of $105 were taken on 11/05, and 11/19. Unlike no doubt alot of the customers you might consider "stiffs", I have a moral obligation to pay back the $700 sent to me.
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    My final offer on this account is to pay off the difference of principle, a total of $490.($700 minus two payments of $105) I will NOT provide any new banking account infomation. Payment can and will only be provided via a money order(s). I will address these payments to:(as per your website)
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    Nationwide Cash
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]The Financial Services Centre
    P.O. Box 1823
    Paul’s Avenue, Kingstown
    St. Vincent & The Grenadines
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    This is my final word on this situation. If you wish to receive the rest of the principle, do nothing, and I will begin sending that money straight away. If you insist on collecting fees and interest that are illegal in NY, or will not accept money orders, that I am sorry, but payment will not be sent. I am stunned that for years I put up with this, and I will do so no longer.
    [FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
    Thank you for you attention. I hope that you have a great day, and the holidays find you and your families well.[/LEFT]
    [/QUOTE]

    I don't expect them to react well to this. The guy who called already had his "tough guy collector" voice on. We'll see.


    lrhall41

    Submitted by Mike W. on Tue, 12/14/2010 - 11:48

    ( Posts: 94 | Credits: )


    AG letter mailed to Nationwide. I also filed with the FTC with them, as they are offshore.

    I also got two more, "friendly" emails from Ameriloan and United Cash(one is principle paid, the other I owe $20) offering to settle at their collection website. Two more, thanks but no thanks emails will be going out. I'm also going to figure out what state they are in, and blow them into their AG also, as well as the FTC.

    Sigh...


    lrhall41

    Submitted by on Mon, 12/20/2010 - 07:47

    ( Posts: | Credits: )


    So...an update...'cause I know you're all on pins and needles LOL ;)

    I got an email from the NYS AG office for some clarification on the complaints I sent in about Nationwide Cash and Cash Direct Express(aka GECC), and apparently something has been sent to both of them regarding the loans.

    Also, I continue to get automated emails from Ameriloan and United Cash(they are the same company essentially) regarding money due, with the super friendly, "just come to our website and give us the info and make an offer" email. This last one was a bit more stern, referencing the "phone calls you have likely received". I haven't gotten any calls, but that might just be because of the holiday. Anyway, I'm staying the course....here is a copy of the email I sent both of them...one is slightly different in that one I still owe them $20, but they are basically the same...

    [QUOTE]
    [LEFT][FONT=Arial][SIZE=2][/SIZE][/FONT]
    Thank you for your respectful response in dealing with this issue. I appreciate that very much, and will respond in kind. I will not field phone calls of any kind regarding this issue either at home or my place of business.

    [FONT=Arial][SIZE=2]Please review the email sent to Ameriloan's Customer Service Department, and this [EMAIL="recovery@ameriloan.com"]recovery@ameriloan.com[/EMAIL] email on 12/2/10, and again on 12/13/2010, and yet again on 12/21/2010. Due to NY State's Usury Law, the interest and fees attached to this transaction(and past transactions come to find out), are not permitted by law, rergardless of whether or not the transaction was initiated over the Internet, or where your funding source/offices are located. [/SIZE][/FONT]
    [FONT=Arial][SIZE=2][/SIZE][/FONT]
    Respectfully, due to payments of $240 already having been made to Ameriloan regarding this account, the deposit made on 9/21/10 has been Paid in Full, in fact, overpaid by $40. While I do not require re-imbursement of this overpayment, I do require notification that this account is Paid in Full, and the account is permanantly and irrevocably closed.
    [FONT=Arial][SIZE=2][/SIZE][/FONT]
    Please be aware that I have already forwarded this issue to the New York State Attorney General as of 12/14/2010, with full details of the account and situation. I was forced to do this because I have not been provided a Paid in Full notification as per NY State law, after multiple requests. I appreciate and understand your wish to continue collecting, but I simply will not submit any longer to fees or interest that are not legal in the State in which I live. You company has collected $40 over the amount of $200 that was deposited, and that is all that will be forthcoming, respectfully. I have done business with your company for quite awhile, and honestly, if I knew what the law was in New York, I would not have done it.
    [FONT=Arial][SIZE=2][/SIZE][/FONT]
    The letter to the Attorney General was mailed US Mail, but if this account is closed as requested, I will follow my letter up to them with news the account is closed. Please also be advised that they may be contacting your company regarding this account, as I am aware that the complaints are actively being worked by Attorney General staff in New York.
    [FONT=Arial][SIZE=2][/SIZE][/FONT]
    I hope you have a fine day and evening.[/LEFT]
    [/QUOTE]

    Anyway...that's that...happy new year everybody!


    lrhall41

    Submitted by Mike W. on Mon, 01/03/2011 - 06:59

    ( Posts: 94 | Credits: )


    Today, in one envelope, I got 4 letters about GECC, Ameriloan, United Cash, and Nationwide Cash from the NY AG...basically a form letter saying that they are submitting the complaint to the companies.

    I am honestly surprised that I haven't received one call from United or Ameriloan, and none from Nationwide Cash since that one call answered with an email(see above posts)....they can't be giving up this easy can they?


    lrhall41

    Submitted by Mike W. on Thu, 01/06/2011 - 10:09

    ( Posts: 94 | Credits: )


    hehehe...I got a call over the weekend, and 3 calls today from Indian scammers.

    800-713-2818
    916-395-0000

    Rex Rogers, of the United States Legal Department promised to call 5000 times if I didn't deal with him. I like talking to these guys now because of the obvious scam they are running. It's now amusing to me. Some of you I am certain don't find it funny, per se', but really it's comical the ineptitude of the whole thing.

    I usually just ask them who the client is they are calling about, then refuse to be transferred, which pi**es them off. Then I tell them to go ahead and serve me. For someone calling to let us know we are going to be served(and potentially win a judgement of thousands of dollars LOL), they really don't like it when you tell them to go right ahead and serve me. It's also fun to tell them the info they have on file is incorrect.

    Good times...


    lrhall41

    Submitted by Mike W. on Mon, 01/10/2011 - 09:01

    ( Posts: 94 | Credits: )


    Haha. I got a call this morning from 800-713-2818 myself. Here is what happened. I'm just cutting and pasting from another site I posted this on.

    I got a call from them this morning about my sister being investigated by the "BCI Which stands for Bureau of Criminal Investigations". I was told that if they didn't hear from her or me that she would need to get a lawyer to represent her in these criminal charges. I've had these guys call before from different numbers, so I'm used to it. I forwarded the voice mail, as well as the 800 number and this page to the DA's office for the state of CA, as well as to the FBI. Then I called them and began to explain that their number is already associated with criminal activity and that they are part of a known scam. I told them what I had forwarded, and to where. The guy that answered, which strangely enough was the same one that had called me (I say strangely because honestly what are the odds of calling a government 800 number and having a person let alone the one that called you answer) started screaming "WHY ARE YOU CALLING HERE!? WHY ARE YOU CALLING!? WHY DID YOU CALL HERE!!!??" and hung up on me. Well, I thought the idea of this human waste being so scared of a phone call was pretty funny, so I called them back to finish what I was saying. This time someone different answered, but I could still here the first guy in the back ground freaking out. I told him what I had told the first guy, and added that they needed to not call my number, or my family again. I informed them that we are not the pushovers they are used to dealing with. He wanted my sisters "vital information" so he could "clear up the mess". I told him "Nice try, but you should already have that if you are an actual government organization. Simply cross-reference it with my phone number which you should have since I just called your 800 number". He started telling me that my sister and I would go to jail if we didn't cooperate with them. I again explained to him that the number was associated with a known criminal organization. Then I explained that if it wasn't a criminal organization to give me his name and address, as well as the name of his superior and I would forward them any information that they needed. That's when he hung up on me. I still can't stop laughing.

    Now, I can understand not wanting to call them back and deal with these crooks, but if you're like me and think it's funny for them to freak out, and want them to get a taste of their own medicine do what I did. The key is to stay calm while they are freaking out. It really makes for a great laugh. But either way, under NO CIRCUMSTANCES should you give them your info or the info of a family member or friend. They ARE NOT part of the government. They DO NOT work for the government, or the police. They ARE criminals.


    lrhall41

    Submitted by on Tue, 01/11/2011 - 23:27

    ( Posts: | Credits: )


    Yeah...I've gotten these calls before I even started the whole process of getting out of PDL Hell...but they stopped after a rant I went on the one time(I was VULGAR...embarrassingly so...), but now that I've basically told 9 companies to stick it where the sun don't shine, I'd imagine that is what is powering this. I honesly don't mind them calling my cell....unknown numbers don't even ring my phone...it's just the hassle of having the operator at my work having to deal with it.

    Meanwhile...I have still not heard one phone call from any of these guys(besides the foreign scammers) regarding collections. United Cash and Ameriloan have sent emails but no phone calls as those emails have described. I am actually kind of stunned they are being as quiet as they are. Of course, they all have NYS AG's cases against them from me, so perhaps that is why? Not that it'll really matter...off shore criminals really don't care about the law. I'm really just protecting myself.


    lrhall41

    Submitted by Mike W. on Wed, 01/12/2011 - 08:51

    ( Posts: 94 | Credits: )


    get ready for Ameriloan to worry you to death, but thats all they can do. They have been calling me on a weekly basis at work (i changed my cell #) for over a year. Thankfully, I am the one who answers the phone, but I understand for others it could cause problems.
    They threaten everything under the sun, but always jail (if I am not able to divert the call. This is a business, and if I dont recognize the number, I have to answer it just in case. and trust me, they have more numbers than a phone book) I have found the best thing is to stay calm and give it back to them. I like to lay down the phone on a machine i have that makes an obnoxious noise, forward the call to an empty office with no voice mail, give them the number to the attorney generals office, or give them the name of the local DA and tell them "that should expidite my arrest. Glad I could help" and hang up.


    lrhall41

    Submitted by on Wed, 01/12/2011 - 10:32

    ( Posts: | Credits: )


    If any of these guys call...they ALL have AG cases on them...so my plan is to tell them to take it up with the NYS Attorney General, and that will be that. I know it's a pipe dream, but in most of the cases I have been back most of the principle, if not all or over it, so I am wondering if some of these places are just cutting their losses. None of the loans, save Nationwide were bigger than 200 bucks, and most got that back already, so why bother me when all I am going to do is flood the FTC, AG, and the BBB with complaints that they might not have to deal with, but will hurt their business just the same. Bigger fish to fry, seems to me. Of course, after I post this, I'll probably get 15 calls today LOL


    lrhall41

    Submitted by Mike W. on Thu, 01/13/2011 - 06:12

    ( Posts: 94 | Credits: )


    i jus got a call from dat number to. he refused to answer my questions and was quick to get me to say yes or no ! i called their company that dey said i owed and i called them. dey said dey didnt have a account under my name and the gut told me to call da cops.


    lrhall41

    Submitted by on Thu, 01/13/2011 - 13:16

    ( Posts: | Credits: )


    Update! PIF LETTER FROM GALAXY MARKETING(dba Money from the Galaxy)...

    [QUOTE] Dear XXXXXXXXXX,

    We recently received an email from you in regards to your account. Galaxy Marketing has elected to consider your outstanding loan paid in full. With no further correspondence from us. You may keep this for your records.


    Thank you,
    Debbie H
    Client Solutions Department
    [/QUOTE]

    Poorly written, but acceptable. 2 down, 7 to go.


    lrhall41

    Submitted by Mike W. on Fri, 01/14/2011 - 05:06

    ( Posts: 94 | Credits: )


    The Scoreboard...

    Gov. Emp. Cred. 200 paid 220 --- AG letter sent...waiting on response
    Sure Advance 200 paid 220 -- PIF letter received
    Ameriloan 200 paid 240 -- AG letter sent, several "log in to pay" emails received, no phone calls(yet)
    United Cash Loans. 200 paid 180 -- AG letter sent, several "log in to pay" emails received, no phone calls(yet)
    My Payday Advance 200 paid 180 -- No response at all from this company whatsoever.
    Your Fast Payday 200 paid 120 -- No response at all from this company whatsoever.
    Nationwide Cash 700 paid 210 -- AG Letter sent, 1 phone call was received a few weeks ago, nothing since.
    Galaxy Marketing 200 paid 60 -- PIF letter received after AG letter was sent.
    Paradise Cash 200 paid 322.50 -- No response at all from this company whatsoever.

    I am surprised Galaxy didn't want the 140 bucks of principle. I would have sent them a money order.


    lrhall41

    Submitted by Mike W. on Fri, 01/14/2011 - 05:13

    ( Posts: 94 | Credits: )


    you are doing great mike.just know that united cash,and ameriloan will start the phone nonsense soon.i have dealt with both,and they are a joke,pathetic,and stupid.btw there login to pay is for what they think you owe.in actuality ameriloan owes you 40.00,and you owe united cash 20.00.they of course don't see it that way.i have dealt with GECC as well,and can state they most likely will send it to outside collections even though you should be PIF.just giving my congrats,and experiences with some of these places i have dealt with as well.keep it up my man.


    lrhall41

    Submitted by paulmergel on Fri, 01/14/2011 - 05:30

    ( Posts: 15514 | Credits: )


    All righty...seems like I get these emails from Ameriloan and United Cash every couple of weeks...probably generated by the "due date" on the accounts. Today I come into work to two identical emails, a little more strongly worded, but still giving me "an out". As I have every time, I emailed them both back(same company, but still)...

    To United Cash:

    Quote:


    To whom it may concern regarding #XXXXXXX :

    Please see below regarding this account. As you have sent several emails, so have I clearly detailing my position regarding this illegal loan, for which I did not know was illegal at the time of inception. Since I will not be party to any illegal transactions any longer, I was forced to report this situation to my State Attorney General in Albany, NY, and I have been assured that this is being investigated thoroughly. I am still awaiting advice from my Attorney General regarding this, and I will address it at that time.

    No phone communication will be accepted at my home or place of employment, and I will not agree to, nor log in to, any website that would require me to admit to a debt that is illegal in New York State. My employer is fully aware of this situation, and currently has a policy to not permit personal phone calls anyway.

    My final offer is to repay the amount of principle transferred to me on 9/30/2010 in the amount of $200. Since $180 has been repaid through ACH transactions, the balance due to $20. Please send me an address and party to which to address a money order in the amount of $20, and I will send that no later than 2/1/2010, to any place in the world. No banking information will be forthcoming.

    I hope this finds you well, and I wish you a pleasant day.


    Ameriloan got an identical email, with one change, since I don't owe them squahdoosh:

    Quote:

    My final offer is to repay the amount of principle transferred to me on 9/21/2010 in the amount of $200. Since $240 has been repaid through ACH transactions, the balance due to $0. I consider this account CLOSED and PAID IN FULL. No banking information will be forthcoming. Indeed, $40 has been overpaid on this account, and while I do consider this money lost/lesson learned(as well as the hundreds of dollars of illegal fees and interest you have taken from me over the years thanks to my ignorance), if you wish to refund that money to me, you have my address on file, and a cashier's check would work nicely.


    Like sand through the hourglass....not a peep out of Nationwide Cash, or any other PDL company....yet.

    Be well, friends.


    lrhall41

    Submitted by Mike W. on Tue, 01/18/2011 - 10:14

    ( Posts: 94 | Credits: )