To Shazzers or PaulMergel...

Shazzers or PaulMergel...

As stated before, I've notified all that I can and working on the rest. Will see how this turns out. I've notified my bank that there is going to be an unauthorized transaction that will follow and reverse it to my account. This is stressing me out.

Shazzers or PaulMergel...

The nightmare begins...They took the money off my account, now I'm in the process of disputing this with my bank. I have to provide all the backup that I need to get my money back.

File a complaint with your own state AG. The more complaints that are received from people, the better the chances of a thorough investigation being conducted. .

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Shazzers...

I've already put a complaint into the FTC, BBB, and to our AG here. All I'm waiting for now is some answers. I will follow up with all of them come Monday due to the holiday. They took my money off my DC and I will now let the bank know my DC was either stolen or lost. Shazzers...Since L, D, and G is not a real collection agency and so forth, what more can L, D, and G do me if they find out my card isn't working. Can they come after me even more?!?

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Shazzers...

Thank you so much for your advice. I looked up into that link you provided, they are indeed not licensed in my state to collect from me. I also clicked on that link you provided with the fair debt attorney, I'm filling out the form now as we speak. I still have yet to wait on the bank and I already filed in my state of Nevada with the Commissioner of Financial Institutions Division, Department of Business and Industry. I am too waiting on answers. I will follow up soon. Thank you so much for all your advices, I'm hoping this nightmare will stop and so I can finally think how to slowly pay all this PDL's slowly one at a time. As well, Happy New Year to you too Shazzers.

You are quite welcome.

Still today there have been several members who have posted that L, D and G is also calling them making bogus threats. It's awful to think how this collection firm is getting away with scaring people into giving out their personal account information and robbing them blind. It upsets me to no end. I would love to get my hands on the people who are running this scam outfit. I am not a violent person by no means but I am afraid I could easily choke the crap out these people with no remorse whatsoever.

Shazzers...

I followed all the links that you provided and made some phone calls to put my mind at ease. These companies were understanding and acknowledged how much I put my research into this company that I provided for them. They are willing to discuss further with me what I can do at this point, I'm hoping it turns out good. So we will see. I will keep posted. Thanks again.

I truly hope everything will work out in your favor. Please do keep us posted.

Shazzers...

I just saw a new post on L, D, and G. They are on a roll and I can't believe they are doing this. I've done what I can with this company and it's out of my hands. All I can do is wait for answers and hoping for the best. My last hope is to find a good decent consolidation firm in my state that can help me settle all this into one lump some. I'll keep you all posted.

I saw the other post, I was trying to move them all into this thread so you won't need to repeat yourself, but for some reason it didn't work. Honestly, there is no need to try and settle anything, with the amount of illegal lenders you have and the fact that this collection agency is not licensed in your state is more than enough evidence to prove none of it is enforceable in a court of law, I hope the Fair Debt Attorney will help you because this collection agency needs to be stopped, you are only one of many many innocent victims who has been scammed by this collection firm, and only God knows how many more people they will scam if someone doesn't pursue this to the fullest extent of the law!

Shazzers...

I've done all I can, now I just have to wait for answers. I was notified by the lawyer of the FDCPA and was informed my file will be looked into and further details will be notified. I've contacted the FID and it's under investigation and I will also be notified by them as well. I'm out of my wits end to try to figure out this mess with the PDL company, but is going nowhere. I guess I will figure out on my own how to get settle this on my own. What more can I do.

you have done all you can.now relax,ignore the idiots at L,D,AND G because they are a complete bottomfeeding bunch of wormslime that will not only sell a family member to make a buck.they would send them C.O.D..just sit tight and again relax,and do not talk to these cretins any longer.it's not worth your time or energy.

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Shazzers and Paul...

I'm not going to settle anything with L, D, and G, but the PDL that I originally started off with. I'm hoping to at least contact them and settle this on my own without L, D, and G hovering over my back. I was informed by the law firm that if this case was indeed violated as they said to me, some rules were violated and some were followed, an outcome might be positive. It's up to the law firm and FID to handle this matter. There's nothing more I can do but wait for answers and hoping for the best. I got into this mess and I need to get out somehow without breaking down. I've been reading updated posts and I see they are attacking others again. How much longer can they keep up with this. I was able to have the bank reverse the money back to my account as well, I've cancelled the card that I provided for them. I'm just overwhelmed and never had this happen to me before. PDL's are dangerous to begin with and once you get into a mess like this, try digging yourself out before it gets ugly.

It sounds like the Attorney is going to handle this? Good! I do know if a 3rd party collector does not comply with the law a consumer can actually sue them for up to $1000.00!

Shazzers...

According to the attorney, if this complaint does have a case, there is a possibility that I can be entitled to a settlement offer. For each complaint that I've provided, they will indeed sue up to that amount. All I can do now is wait for answers, which I hate waiting. I'm hoping to get the best out of this and see where this will go. I'm just sitting here wondering how far L, D, and G will take this to another level either with me or to the complaints that I've made to the BBB, FTC, Lawyers, and FID. The BBB of NY notified me by e-mail in regards to this matter, they informed me a letter was sent to them for my complaint. I don't know how L, D, and G will handle that complaint. Why is this stressing me out, I don't know. Maybe because I haven't been in this situation before and now I'm digging myself out.

Yes, they can be sued for $1000.00 if they're non-compliant. But at the same time, I must acknowledge the fact that there are times when we need to wait a little longer in order to achieve the desired outcome.

Shazzers and PaulMergel...

L, D, and G notified me at work and on my cell in regards to my payment. I'm running scared out of my mind on what to do. I've cancelled the card that I provided. What more can they do to me. The 1 told me today they will look into my file and now come tomorrow what will happen when the payment will decline.

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Shazzers...

I've e-mailed the FDCPA attorney and notified him via phone and informed him about this situation and he will look into my file. All I can do is wait. Edward Brown notified me by work and cell to remind me of my payment that is due tomorrow. I don't want to give out any more information. How can I not be fearful. All hell will break loose tomorrow and L, D, and G will give an earful.

Shazzers...

Here I am sitting on pins and needles wondering what will L, D, and G do to me once they find out that my card is going to decline tomorrow. I've contacted the FDCPA and FID, plus the BBB in regards to them and this waiting game is killing me. I was informed by the FDCPA attorney to record all calls they make to me and keep an update. My case is being reviewed right now and I'm in the process of trying to enter a DMP program hoping this nightmare will end. The FDCPA attorney informed that they have one of their staff members know that there are some shady underground works in that area where L, D, and G are located. I know I shouldn't panic or get like this, but this is how I'm feeling right now. Shazzers...I know L, D, and G will notify me first thing tomorrow that the card got declined and that they will see to it I pay the price. Why is this company getting to me.

Shazzers or PaulMergel...

They've contacted me again on my cell phone to remind me that per their recorded conversation with L, D, and G that they are about to deduct money from my account tomorrow and if there is NSF or what not, to please give them a call and make alternate arrangements. I'm just running out of answers how to get rid of this company. I want them to stop.

boy they are real persistent aren't they.they are doing this because you dropped hints that you might not be able to pay last week.do me a favor.if they call your cell delete the message.if the call at work hang up without a word.they can do nothing,and when you finally realize that and don't let them get to you.it's very uplifting and liberating.they are muatated body waste that broke the law to get you to agree to pay in the first place,and their constant calls like this are also not legal,and harrassment.the minute you realize this you have control,not them.

Please listen to Paul, don't speak to them anymore! They are upsetting you and you do not deserve this! If I were you, I would get my cell phone number changed, it's worth it!

S and P...

I contacted the FDCPA attorney in regards that they notified both my work and cell. They told me to track log of the calls for their purpose and mine while looking into this file of mine. Two calls were from Edward Brown on work and cell. Third call was an automated stating my friendly reminder that my payment is due tomorrow so forth and so on. If for any reason, the payment does not follow, to call them to make other arrangements. Persistant is not even the word. How much longer can this so called firm be in business. I'm upset as I write this.

I know you are upset, I have walked in your shoes so I understand. Keep hanging in there, eventually everything will work out in your favor!

Shazzers...

I'm hoping so too. All I can do is sit here and wait for answers and see where this will all lead too. As of tomorrow, L, D, and G will go buck wild with me and tell me why did my card decline. Then they will probably tell me that them recording my conversation from prior and so forth I authorized them to deduct my card. Can they use this against me Shaz?!? Is this even legal?!? I'm having a panic attack and wondering what will they do next.

No, they can't use it against you, they can't use ANY recording against you because your state is a 'two party' state, I think I explained it a few pages ago. I will post the law for you so you will have it though.

As you can see, they need to have your consent to record a conversation, as I said before, all you need to do is say they do not have your permission.
[QUOTE]Consent of all parties is required to tape a conversation in Nevada. Intercepting or delaying a telephone conversation is a misdemeanor. Nev. Rev. Stat. Ann. ?? 707.900. However, if the interception is made with the prior consent of one of the parties to the communication and an emergency situation exists in which it is impractical to gain a court order before intercepting the communication, an exception may be made. ?? 200.620. This exception applies mostly to law enforcement officers who proceed without a warrant. See Nev. Rev. Stat. Ann ?? 179.410, et seq; Koza v. State, 100 Nev. 245, 252-253 (Nev. 1984).[/QUOTE]

Shazzers...

At least that puts my mind at ease. I can't handle all of this at once, I've never been in this situation before and I need to get out fast. I am in the process of thinking of going into a DMP program and help with all this mess and including all my bills. It's my only option at this point. I've made some phone calls and appointments and see where this will lead me too. I know tomorrow L, D, and G will call me and tell me everything of what I've done and why I'm doing it. What action will take further upon me, so help me God. I just hope the attorney will act fast and tell me some good answers.

Shazzers and PaulMergel...

I have an update in regards to this matter. I just received a letter from the FID from my state and sent me a copy of a letter that was sent to L, D, and G. It informed that L, D, and G must forfeit all collection activity in regards to my behalf and if they attempt to collect, a hefty fine will be upon them. They are not licensed to collect from my state and if they try, they will get penalized and be violated. L, D, and G has been put on a notice by my FID to stop all collection activity. This is just the beginning of many steps that I have to overcome and hear this news.

Yay!!!!! That must be at least one load off your mind! Seeeeeeeeeeee, I told you they weren't licensed! I am so happy that you are getting some results.

Shazzers..

Even though this is just the beginning of a result and yes, it's at least one thing that's off my mind. If persay they do come after me, do I have the right to call FID and tell them they violated the terms?!? I have the proof that L, D, and G can't touch me. I know as of tomorrow, L, D, and G will try to take my money from my card which I already had it closed. What more can they say to me. It clear states in black and white L, D, and G is not allowed to collect from me if they try to come after me, serious actions will be upon them. Your thoughts?!? Btw, do you anything about DMP programs?!?

Actually the DMP programs are under fire right now from federal and state officials, there are so many of them that are ripping people off that I would be very wary.

I would most definitely contact them again if you receive any more communication from L, D and G, this way they can pursue legal actions against them.

I'm in the process of looking into one, I can't handle this all by myself anymore. I've been making appointments but nothing set in stone. I found one here that's in my state and has good credentials and has the capability to do everything. I have yet to hear about the DMP programs under fire, but I'm just keeping my options open and see where this will lead me too.

Shazzers or PaulMergel...

The nightmare begins, L, D, and G has been calling me at work and on my cell in regards to the PDL that I defaulted on. I spoke to the FID and they told me that if I follow thru making these arrangements, it defeats the purpose of me making the complaint. I've tried several attempts to the 1 and I don't know if he's avoiding my calls or what, but I need some answers. I've tried to contact him via e-mail and I've received no response from him either. Edward Brown told me that now if I don't call back the Sheriff's Department will handle this matter and or the Processor will be taking over my account. I've notified these departments and told me nothing yet so far on my record. I'm running out of answers and energy dealing with these people. I was informed by the FID to write a C and D letter and send it out to them with confirmation that they are not allowed to collect from me and so forth. God help me get out of this mess.

but you didn't follow through with the arrangements.yes send the letter asap,and ignore these idiots.did you file the police report?do so they will confirm that you will not be arrested,or sued by a voice over the phone.everything he stated in his latest call is a bullsh*t lie,and should be treated as such.why do you keep giving these people any credence.they are not legit by any means.

PaulMergel....

Edward Brown called me AGAIN at work and told me that my payment declined and he stated that if any payment is declined, my file will go now to Mr. Lombardo and my subpoena will be out for this debt and it's going to cost me that what it's worth originally. He said that it's embarassing to be called at work in regards to this matter. Now they just faxed over employment verification for garnish wages. I've sent out all letters that I can and notified everyone that I can think of.

They can NOT get a garnishment without a court order.

What they are probably going to try to do is impose a wage assignment, which is different than a wage garnishment.

Wage Garnishment, Must be Court ordered, employer must comply in garnishment states.

Wage Assignment, Is voluntary, not court ordered and can be revoked at any time. Payday lenders usually stick this stipulation in their contracts. Write a letter asap, date it, and either send it via email, or USPS, certified, return receipt requested. Print out the letter, or copy it, and take it to your employer YESTERDAY!
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yes do as shazzers advised.what they are doing is illegal again as your employer can pitch that if they wish as they are not obligated whatsoever to fill it out.

Shazzers and PM...

I'm sorry for the late reply, I've been busy figuring out this mess. Thank you for the information, I will create one once I get to my office later today. I'm going to keep hounding the FDCPA lawyer and notate him every detail of this mess. I'm also going to talk to a lawyer and see what they will say to all of this. I'll keep you all posted.

yes please do,and you shouldn't be scared by now.you should be pissed.very pissed at the illegal depths they will sink to.even if you can't find someone to sue them your AG should be able to put a stop to this.either way you don't give in to this BS.

Thanks for keeping us update, look forward to hearing more from you.

S and PM...

I notified via fax to the 1 with an update and a follow up with their office. I've heard nothing yet. I just hope he's not blowing me off because it will be upsetting on my part that I've gone this far and explained my situation. I running on empty dealing with this mess. Here's the kicker, L, D, and G Edward Brown told me, if I don't pay, then he doesn't get paid. Not my problem. So far, I haven't heard anything yet. I may speak to soon if I say this. I've contacted couple of lawyers how to deal with this, just waiting on answers. I'll keep you all posted.

I hope the 1 isn't blowing you off either. Have you tried shooting an email to Bud Hibbs? He is a consumer advocate, I have read where others has had success with him, not sure if he would be willing to take your case or not, he gets thousands of requests, but you never know!

what an idiot.he basically tried to justify his illegalities with"if you don't pay he doesn't get paid"that's rich,and stupid on his part.i hope you filed the AG complaint.at least do that,and be assured they will look into this and help you.i understand the want to sue,but GD these idiots need someone like your AG to put the wood to them in the meantime.also i hope as shazzers stated since you are a two-party state you are recording,or informing these losers that you are recording their idiocy.if nothing else they will hang up if they think you are recording.

S and PM...

I'm sorry I haven't been able to come on this forum in awhile, I've been a little under the weather and I'm slowly getting better. I just wanted to update you both on what's been happening. The lawyer did eventually call me back while I was sick and I finally returned his call when I was feeling better. I'm now waiting back to hear from him. The calls from L, D, and G has stopped but I may speak to soon. I've made some drastic decisions on my part and so I'm hoping in the next month it will follow thru. I think the letters, complaints, and what not maybe have worked for this company. I don't know. I haven't anything since I've made all these complaints. I will both keep you posted.

see.you file official complaints,and they go away,but i would still keep any proof you have and sue this place anyway.they deserve it for what did to you,and what they still do to others.