Collection Agency Question - Please Help

Who knows what it means. If they are attempting to collect this debt then they are required to follow the Fair Debt Collection Practices Act (FDCPA). No matter what they say to you, do not admit to owing a debt on the phone, whether you did or do owe the debt is irrelevant, the point is, you simply should not ever tell a voice on the phone you owe x, y, or z.

They are required by the FDCPA to send you a dunning letter (letter of collection) through the mail (not email) within 5 days of their first initial contact with you. Please tell them this, and tell them you are counting the days, explain that you are going to file complaints against them if they continue to call if you do not receive a letter of collection in the allotted time. And PLEASE file those complaints, because if they call after the fifth day they are in non compliance with a federal law and could be subject to a fine.

Do not believe anything NCA tells you, they are nothing but evil liars. Just follow through with exercising your rights under the FDCPA and you will be legally protecting yourself.

Well, here's the thing, NCA did send me a letter in the mail on October 21, 2010 to let me know they had purchased the account from DJR, and that they are not collecting for DJR but now own the account. Before learning all of the information I have on this site, I had made an agreement with NCA to pay my account off (using a prepaid Visa card) in 3 payments, beginning January 31, 2011. So in today's email, NCA did tell me that they would NOT process the scheduled payments and would place my account in "dispute" status - that's why I am wondering what I need to do....or will they look to see that DJR is illegal in SC? In other words, is there some course of action I need to be taking, or just hold tight and wait....?

as long as NCA isn''t getting any $$$ from you i would not wait,but instead file AG complaints against both the lender,and NCA/btw NCA seeing as they bought the debt are subject to the FDCPA,and their claim of dispute status means they are preparing to try and threaten you somehow.that is how they work.file the complaints,and ignore them.another btw pdl's are prohibited in SC meaning the loan is illegal so what can NCA do except criminally threaten.last thing i'm guessing they coerced you to make arrangements with alot of fancy terms thrown around.so send them a DV letter certified mail return receipt.

Not all payday loans are illegal in SC - but they must be licensed, and DJR certainly is not....

In the meanwhile, I just got an email response from Fast Cash - and just as everyone warned, their response was "We are licensed in the state of Utah"....I quickly wrote back that the fact they were licensed in Utah is irrelevant....that they must be licensed in the state of SC in order to lend money to a SC resident, and that if I don't receive my PIF letter TODAY, then I am filing my complaint with the SC Dept of Consumer Affairs and the AG's office.....I'll let you know if I get another response....oh, and better yet, I have some UGLY emails this guy, Tim McFeeters sent me! It's too long of a story to get involved in right now, but I will be sure to share it on here soon as it may help others in the future.

Got yet another reply from Tim @ FastCash:

"No i dont...My state law say I can do business in any state"
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To which I replied:

"I am the consumer, therefore whereas the business is conducted with me in the state of SC, the law of the consumer is the law that prevails. I can see now that you are not willing to comply with my requests, so it is no longer necessary for you to respond. I was trying to settle this amicably, however, since you are unwilling, I will let you deal with the aforementioned agencies and I will also request that they do pursue my refund that I was previously willing to forego."

And yet another response from the "jerk". This time simply a "Good luck." Nothing more, nothing less!

once you file the AG ,and FTC complaints.he is the one who will need luck.

And Shazzers helped me find out that he isn't licensed in Utah, as he claims, either..... I'm kinda having fun arguing with him at this point since I know he's wrong and I'm right! I wrote him back (maybe I shouldn't have but I couldn't resist):

Funny, I thought you were licensed in Utah? Seems you aren't even license there, either...or do you want to say the Utah government website it wrong, too? No Payday-Loan-Yes, no Fastcash Advances....interesting.

[URL="http://168.177.228.15/reglistp.htm"]http://168.177.228.15/reglistp.htm[/URL]

Well, at least you're having a little fun with them, it's better than feeling scared and helpless! Ya just gotta know, they must hate when that happens!