Payday Loan Yes Illegal Harassment?
Date: Wed, 06/01/2011 - 08:54
I had a loan with PDL Yes. I paid it in full. They aren't even legal in my state (NYS). I sent them revocation letters for ACH and Wage Assignment. I sent them C&D letter. They are calling me five and six times a day at work. They ignore every letter I send them. I am being harassed by this woman:
Karen Tims
Payday Loan Yes
Settlement Manager
Advanced Collections Unit
Phone: 800-654-7444, ext. 846
tim@payday-loan-yes.com
She called me four times already today and it is only 11:30 a.m. I told her she couldn't call me, and she said "Oh yes I can and I will, I don't care what you sent". She told me she was contacting my employer and putting a wage garnishment on me. I sent her an email stating that I had revoked any wage assignment, I attached the letter (sent 4/25) and then I told her my employer has been advised and will not accept her calls and that you need a court order for a wage garnishment anyway. This is correct isn't it?
I have paid in full. In fact, I paid $15 more than the loan was originally. I had to have my bank put a stop order against them because they kept taking money. I am sending them another C&D letter today but doubt it will help.
What can I do to stop these phone calls? I filed a complaint with the Attorney General, the FTC and the BBB. I haven't heard back from any of them. I do payroll at my job so any call or letter will go to me but I'm not sure what else I can do. This harassment has to be illegal. Why do they think they can do anything they want? Is there someone else I can contact to help me with this?
I have their address as PO Box in Utah. That's where I sent letters (as well as emailing to them). Is there another address?
Karen Tims
Payday Loan Yes
Settlement Manager
Advanced Collections Unit
Phone: 800-654-7444, ext. 846
tim@payday-loan-yes.com
She called me four times already today and it is only 11:30 a.m. I told her she couldn't call me, and she said "Oh yes I can and I will, I don't care what you sent". She told me she was contacting my employer and putting a wage garnishment on me. I sent her an email stating that I had revoked any wage assignment, I attached the letter (sent 4/25) and then I told her my employer has been advised and will not accept her calls and that you need a court order for a wage garnishment anyway. This is correct isn't it?
I have paid in full. In fact, I paid $15 more than the loan was originally. I had to have my bank put a stop order against them because they kept taking money. I am sending them another C&D letter today but doubt it will help.
What can I do to stop these phone calls? I filed a complaint with the Attorney General, the FTC and the BBB. I haven't heard back from any of them. I do payroll at my job so any call or letter will go to me but I'm not sure what else I can do. This harassment has to be illegal. Why do they think they can do anything they want? Is there someone else I can contact to help me with this?
I have their address as PO Box in Utah. That's where I sent letters (as well as emailing to them). Is there another address?
Once they realize they aren't getting anymore money AND you stop
Once they realize they aren't getting anymore money AND you stop talking to them, they'll go away. I would simply pick up the phone and hang up. Or, if you have caller ID, just don't answer.