Lawsuit?
Date: Tue, 10/04/2011 - 04:52
Bottom line, you borrowed the money, had it deposited into your account, failed to read the terms and conditions of the loan agreement, and now you do not want to fulfill your obligation to satisfy the past due amount. You had absolutely no problem with this company when you needed funds, now that it is time to pay your interested in the legality of the loan, please address why you did not contact anyone prior to accepting funds to determine if they felt it was legal.
We are willing to work with you to resolve this issue, but apparently your only looking for a way to not pay it. That’s fine, you have to make whatever decisions you feel are in your best interest’s and we must do the same for ourselves.
Matthew K. Glunt
Manager
Collections Department
Frontier Financial Group
From: Matt Smith
Sent: Monday, October 03, 2011 3:42 PM
To: Matt Glunt
Subject: Re: Notice of Intent
Matt,
Can you please provide with said signed agreement or any agreement I have with anyone stated in said letter. I will gladly forward that information to Attorney General Roy Cooper's office as I stated on the phone to get this matter resolved.
Thank you,
Matthew S
On Oct 3, 2011, at 6:11 PM, Matt Glunt wrote:
RoVo & Associates
A Professional Law Office
Original Creditor: SGQ Processing
Current Creditor: SKUTR FINANCIAL
Balance: 510.00
Dear MATHEW,
The law firm RoVo & Associates has been retained by Frontier Financial Group to collect from you the entire balance, which as of 10/03/2011, was 510.00, that you owe Frontier Financial Group on your account number: 1225884.
If you want to resolve this matter without a lawsuit, you must, within one week of the date of this letter, either pay Frontier Financial Group 50% against the balance that you owe (unless you've paid it since your last statement) or call Frontier Financial Group at (877)683-5490 and work out arrangements for a payment. If you do neither of these things, we will be entitled to file a lawsuit against you, for the collection of this debt, when the week is over.
Federal law gives you thirty days after you receive this letter to dispute the validity of the debt or any part of it. If you don't dispute it within that period, we will assume that it's valid. If you do dispute it — by notifying us in writing to that effect — we will, as required by the law, obtain and mail to you proof of the debt. And if, within the same period, you request in writing the name and address of your original creditor, if the original creditor is different from the current creditor SKUTR FINANCIAL, we will furnish you with that information too.
The law does not require us to wait until the end of the thirty-day period before suing you to collect this debt. If, however, you request proof of the debt or the name and address of the original creditor within the thirty-day period that begins with your receipt of this letter, the law requires us to suspend our efforts (through litigation or otherwise) to collect the debt until we mail the requested information to you.
This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Very truly yours,
ROVO & ASSOCIATES
What is your question?? You posted these emails without asking
What is your question?? You posted these emails without asking anything.
i have heard of rovo
soaplady the OP was posting these to ask us if this is legit.basically these are emails from an illegal lender(frontier financial)and a complete piece of dirt collector(rovo)btw nothing legit was ever sent via email.also the part about"e signatures"holding up in court is laughable at best.i would forward,or print up these and send to your AG.then forward these to the FTC.go to www.ftc.gov to file online complaints.btw i'm good at reading between the lines.
I believe e signatures do hold up in court.....department of ed
I believe e signatures do hold up in court.....department of ed uses esignatures for their prom notes as does state unemployment online filings.
yes of course
those are legal debts.i should have been more spcecific as to an unlicensed illegal lender.they have no chance in court whatsoever.
Legal signature?
I didn't ever receive anything from them to e-sign...nor do they have my name spelled correctly...I want to dispute and have already filed a complaint with the AG...just waiting to hear something back...
Ive worked for the company but got laid off after a year. Its le
Ive worked for the company but got laid off after a year. Its legit. Just ask for a settlement from a manager they can probably get it down to 400 then ask for a payment plan divided into two with that. so two payments of 200:)
shove off douche
they are anything but legit,and you are the typical shill,bobo,douchebag humanoid.there isn't a grain of truth to your post,but thanks for stopping by.:rolleyes::rolleyes::rolleyes:
Idiot
Hi my name is Matthew Glunt, I am the author of the original email in question here. Number one I am a licensed and accredited debt collector, both through the state of Nevada and the American Collectors Association. Number two these loans are not illegal, no one has committed a crime by issuing or soliciting the loan. However I will agree that some states do not recognize the legality of the loan agreement. In those states the lender issues the loan at their own risk, but they are by no means "illegal" in the normal sense of the word. If you happen to live in a state where the legality of the loan agreement is not enforceable, then it is soley based on your morals and ethics as to wether or not you repay the loan. The consumer signed a loan agreement, made assurances of repayment, under specific terms, and accepted the funds. They then balked when the time to pay came. I do not have sympathy for these people, and am not required by the law to be nice to them. I am professional and tactful, but I do not work in customer service, as these people are not customers, they are debtors. It is the debt buying industry that allows the credit industry to continue, as it helps to mitigate the losses suffered by delinquent and derilict debtors.
As for the ignorance of the last poster, who resorted to name calling and insults, well I think his post pretty well represents the entitled and dependant debtor class.
dumbass
well a couple of points.
1)you are not the OP so lie elsewhere
2)the legality of the loan is spelled out by a states PDL LAWS.meaning if a loan isn't licensed it's illegal,and more than a few state totally prohibit pdl lending
3)places like your bottomfeeder use illegal scare tactics to try and collect because the loans were not legal.meaning you have as much chance as ice in august in a court of law
to close.you and everyone like you has already made a reservation in hell,and think you can post any garbage like it's the truth.the way you try and dilute info,and spread propoganda is akin to the nazis.bac k to the phones loser.how's that for a name humanoid.
your an idiot
Paul do you know how to read? I never indicated that I was the OP. I stated that I was the Author of the original email that was posted. The OP posted an email that I had sent him regarding his loan. I am a manager of a collection agency, not a denizen of hell as you seem to think. The OP took out a loan,had funds direct deposited to his account. He did not worry about the legality of the loan at that time, he just wanted the money. Now that it is time to pay, he wants to explore options as to how not to pay. To me he has a moral obligation to pay, if not a legally binding one. That is my opinion. I do not employ scare tactics, read the email I sent him, no where in the email do I tell him I am going to do something to him if he chooses not to pay. I appeal to his sense of honor, and commitment to keeping his end of the bargin. If that is underhanded and shady, then you have a weird interpretation of those words.
Matt,I'm not going to resort to name calling but I think it is f
Matt,I'm not going to resort to name calling but I think it is funny you cannot produce a contract that states the specific loan terms the debtor agreed to. Yes, he e-signed, but that doesn't prevent someone from providing a copy of said contract that indicates the IP address collected when the note was signed thereby closing the debate on ownership of the debt. There is also the whole moral/legally binding concept that I don't think you understand. As a collector, you cannot legally force someone to honor a moral obligation. What you do is demonstrate that your client, the payday lender, was legally licensed to orginate and disburse funds in the debtor's state of residence. From there the contract the debtor disputes is legally enforcable. Since the borrower didn't pay, you as the collector could seek legal remedy to collect on the loan. However, since the loan in question was disbursed by a lender that was improperly licensed (or not at all) or didn't abide by state law this is where you find yourself with a non-enforcable contract. The borrower isn't obligated to repay anything legally. If you want real reform in this arena what you need to do is stop taking on clients from the payday loan industry that are not licensed to lend in the states they have delinquent accounts in.
geez
why not respond?it's not like the topic is a year or so old,and i think the poster above you brings up some excellent points.are you matt the mope?if not not then know there is nothing wrong with that response.if you are then piss off humanoid!
Geez, everyone is a critic. I wrote that response to Matt and I
Geez, everyone is a critic. I wrote that response to Matt and I doubt I will get a direct response to it that offers a logical explanation for the lack of documentation. Any collector could come back and say it's hard to deny the debt when it's deposited into their checking account. No one is denying the debt though. What people deny is the legality of the debt and whether or not consumers are obligated to repay more than the principal borrowed. I could open up a webstore front right now and disburse loans if I wanted to. I could really make it look snazy. I bet you within an hour I would get 50 applicants. I could charge them all $10 to apply and after the money hits my account offer loans to a small percentage of them. Lather, rinse and repeat. Over the course of 60-90 days I would be raking in the dough. I could then connect with other lenders and join or establish a lending network where applicants I won't accept are then referred to them. I get $5 for every application that gets processed and a cut of the loan profits. That's why this industry is so tempting to get into. It's extremely profitable if you think about it. If I could make $500 an hour just getting people to apply and the site accepted applications 24/7, that's $12,000 a day. If I lent to 60 of them and charged a finance fee of $150 that is $9,000 in fees collect if they just take out the loan for one cycle. Then if I kept that going by offering more renewals that's more fees on top of my principal lent. If no one repays completely all is not lost. If they stop paying the finance charges I'm stuck.
yep
things like matt the mope come on and have their say then you never hear from,or of them on here again.good points again.