I am GOING TO SCREAM!

Refute the contract on the grounds that GECC has no license to operate in your state, therefore the contract is void. Explaing (again) that you have repaid the principal of the loan (plus some?), which you were under no obligation to do and that you owe nothing further, then tell them to cease and desist all contact.

Just to make sure...I live in Texas, if GECC doesn't have a license in the State of Texas to give PDLs, then they are illegal? Also, what sort of cease & desist letter do I give a 3rd party collection agency? Is there a sample of this? I have the one that I sent to the PDL companies, but not one for a 3rd party collection agency.

Thanks again for your help. :)

GECC isn't licensed anywhere in the U.S. that I know of. They're offshore and illegal. I would send a basic C&D that just said you demand they cease and desist all communication in regard to the alleged debt on the grounds that you do not owe it. Also, include a copy of the illegal lender letter that you sent to GECC.

I already sent Alliance Asset Managment a copy of the C&D letter that I sent to GECC which also provided details regarding their illegal stature...along with a letter stating that I do not owe their client any money at all since I have already paid the principal and then some...also requested a refund of $130 from their client. They apparently ignored this, and sent a letter with copy of the electronic client from GECC and demanded that I pay their client $778. I mean WTH? I thought I did everything right.

So am I supposed to send a simple C&D letter to Alliance Asset (3rd party collector) along with ANOTHER copy of the letter I sent to GECC? See how this is getting tiresome?

yes send the letter.btw since alliance is located in woodale il.they can,and should be sued if they continue to contact after the c&d is sent.

Thanks, Paul. I will look under the sample letter thread for one to send to them.

I understand your frustration. I would've sent Alliance a C&D from the beginning. Since you asked for verification, you added an extra step. No biggie. Just make sure that you log any further contact. They can only contact you once more after receiving the C&D and only to tell you what they intend to do with the account.

Hi,I also sent Alliance a cease and desist letter for a PDL with Eastside. How long do they have to respond to C&D letter? And what do they do then....does it go back to Eastside? I'm demanding a refund from them...any advise is appreciated