LRA response to BBB regarding my complaint
Date: Thu, 02/24/2011 - 08:16
Dear Ma'am or Sir:
Please accept this email as a response to Complaint Activity Report Case No. 7513XXX by consumer .
Every payday loan lender in South Carolina must obtain a license from the State Board of Financial Institutions. We have not checked this one but the SBFI phone number is 803-734-2020. The contract is not ''illegal'', but perhaps ''voidable.'' We will not get into the legalities of either one, but Ms. should retain an attorney for further questions. LRA is not involved with other complaints filed by Ms. . If Ms. would like to consider her contract ''void'' we encourage her to contact us at 303-800-1661 to discuss such resolution. We have complied with your request to restrict all phone calls until you have settled this matter.
So, that is good news that they will not call me anymore.....however, my questions to you guys, my experts, is - should I call LRA to request that my contact be "voided" as they suggest, or would it be in my best interest to contact an attorney and let them handle it? I'm afraid that if I call them, somehow or another they will "trap" me, not void my contract. What do you guys think?????? I do have an employee assistance program through my work that does provide me with free legal services (which is great, since I can't really afford an attorney). Should I call them and see if they can help me out, not only with this one, but also with all of my other PDL situations? :confused:
Is the payday lender that Lighthouse Recovery Assoc. collecting
Is the payday lender that Lighthouse Recovery Assoc. collecting on behalf of licensed in your State? If they are not licensed and if you have paid back the principal balance I would call them and to tell them that the contract is voided and that you want a paid in full letter immediately.
There are NO licensed internet payday lenders in SC, so no, the
There are NO licensed internet payday lenders in SC, so no, the lender was not licensed. However, I have not yet repaid the principal balance. I do not want to repay anything until I have something in writing that my debt will be satisfied once I repay the principal, know what I mean?
I'm not clear about what FDCPA laws they may have broken, but if
I'm not clear about what FDCPA laws they may have broken, but if there were any, I would sue their arses to the full extent of the law, you might try clicking the link below to see if there is a free fair debt attorney near you at the link below:
http://www.fairdebtforconsumers.com/
Shazzers, what would I do without you? I have sent an email for
Shazzers, what would I do without you? I have sent an email for a free consultation at the link you posted.....to begin with, LRA contacted me as "Powell Law Agency", I suppose to scare me into repaying. We shall see what comes of it all! Maybe I'll end up getting money out of these scums!
I hope you get a refund and MORE. If they have violated the FDCP
I hope you get a refund and MORE. If they have violated the FDCPA you could sue them for up to 1000 bucks, it all depends on how much proof you have though, I hope there is an attorney near you who will be willing to help.