sure advance collection problem

first file a police report for the call as that is harrassment.then file AG,AND FTC complaints against both the lender and whoever called your work.

Next time she calls ask her to send a debt validation letter and unless you receive one you will not discuss this with her now or in the future and then hang up on her. File a complaint with the Ohio Attorney General's office. I too live in Ohio and had a payday loan with Sure Advance. After I filed my complaint, a couple of months later I received a paid in full letter. However, still waiting on my refund!

Thanks. I will do that as soon as I am off work today. If they are using a 3rd party collector now does this.change the legality of the debt or the way I should handle it at all? I have already paid over the principle and they are illegal in ohio.

Seems to me that if a 3rd party is in play, it's EASIER....because the FDCA is now in play. Sure Advance, and Cash Direct Express sic'd a Collection Company on me this morning. See my "Has anyone ACTUALLY been sued?" thread. Paul M. and the rest of the Mods have great advice, and I'm keeping a timeline of what I'm doing to fight these PDL's

You should receive a dunning letter although, if you don't it won't surprise me a bit. I would just send a DV letter and include your correct contact information in the letter (how you want to be reached). Make sure to include language stating you are not allowed to receive calls at work. Also include language stating it is inconvenient for you to communicate by phone. Make sure to send the letter via certified mail with a return receipt requested. Do file your complaints as well, as others have stated. Since this was a loan with an illegal lender, now that it's gone to a CA, it definitely WILL be easier. They absolutely cannot verify an illegal debt.

Thank you! (I just registered )I had no idea cash direct and sure advance were the same. I am dealing with both right now. Cash direct is giving me the run around. They said they needed 7-10 days to investigate yesterday. I responded by saying I supplied them with all the applicable info so they had 24 hours to respond with a paid in full and a refund of 309.00. Haven't heard anything yet today. With sure advance the only contact I had was the one I mentioned at work today. Thanks for all the advice. I have a lot of complaints to file today!

Wait, where did you hear that Cash Direct and Sure Advance are the same company?

Me I think. According to the guy from Alliance Asset Management who called me at work today, he said he was calling about Cash Direct Express...but the person I was on the line with earlier had said Sure Advance. When I said the person before was calling on the Sure Advance account, he stated that they were the same thing, and they had both accounts.

Hmm. Interesting. I wonder if it's actually the same company or if they are just using the same collection agency. It doesn't really surprise me.

When you guys in Ohio filed a complaint with the AG, did you cite the fact that they weren't licensed and the ridiculous fees as the reason for the complaint? Also the AG's website asks if you signed a contract. I'm assuming the E signature would make that a yes? I know these companies are lending illegally, but it just seems odd to say " well my complaint is that I entered into an illegal contract with this company". How did you guys word your complaint?

That I signed a loan contract with the company without knowing at the time that they were not licensed to lend in my state. I also gave them exact figures of how much I borrowed and how much I'd paid back with my figures of what I owed (or, in most cases what was owed to me) vs. what the company's opinion was. I also freely shared any of the crazy tactics they'd used to collect, harrassing phone calls, withdrawing unauthorized amounts, attempting to withdraw funds after ACH revocation, etc.

[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 Cash Direct Express, also doing business as Government Employees Credit Center, Inc., an internet pay day loan provider.


My account number with Cash Direct Express is XXXXXX.


Cash Direct Express/ Government Employees Credit Center, Inc 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 9/3/2010, $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 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 Cash Direct Express/ Government Employees Credit Center, Inc . The initial deposit of $200 was made to me on 9/3/10, and $44 payments to Cash Direct Express/ Government Employees Credit Center, Inc 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.
[/QUOTE]

This is my letter being mailed to Albany, NY tomorrow if I don't hear from Cash Direct Express.

Thanks! Ohiogal, did you ever hear anything from the AG or did they help in moving the process forward?
Mike- I have been going back and forth with cashdirect. Yesterday they sent me the "wait 7-10 days so we can investigate" email, which I said no to. I am filing the complaints on them today. Did you end up hearing anything like that from them at any time?

Not yet. Cash Direct actually has not sent anything to me....I have only heard from Alliance Asset Management in regards to them....which I am cool with, because they are a 3rd Party, and as such, subject to the Debt Laws. No calls at work, must validate the debt, etc. When they called, they stated the call was being recorded, and I told them the debts they were calling about were illegal, and that I could not take personal calls at work. BOOM....call me at work again, and I'm $1000 richer. I am going to send them a DV letter anyway, and a copy of the AG letter. Me thinks I will either never hear from them again, or get the PIF letter from them as well.

The Ohio AG sent me a letter stating they were investigating the matter. After the account was settled I received another letter from the AG stating the lender informed them the matter had been handled and if I felt it was not a satisfactory resolution to let them know and they would continue their efforts. If I was happy with the outcome, no need to reply.