Letter recived from PDL (collections) What do I do now?
Date: Fri, 11/18/2011 - 08:48
I received this letter (see below) from Island Finance on behalf of White Hills any advice on how next I should proceed? I sent them that letter stating PDL were illegal in MA and that I would be paying only the principle.
Thanks,
Dee
ISLAND FINANCE, LLC IS A WHOLLY NATIVE AMERICAN OWNED LIMITED LIABILITY COMPANY LOCATED WITHIN THE
BOUNDARIES OF THE FORT BELKNAP INDIAN COMMUNITY (“TRIBEâ€), A SOVEREIGN NATIVE AMERICAN NATION. THIS
LOAN AGREEMENT IS EXECUTED PURSUANT TO THE INDIAN COMMERCE CLAUSE OF THE UNITED STATES
CONSTITUTION AND TO THE EXPRESS EXCLUSION OF ANY APPLICATION OF THE INTERSTATE COMMERCE CLAUSE OF
THE UNITED STATES CONSTITUTION OR ANY STATE OF FEDERAL LAW OF THE UNITED STATES. THIS LOAN
ORIGINATES FROM THE BOUNDARES OF THE TRIBE AND DECISION ABOUT WHETHER TO MAKE THE LOAN OCCUR ON
TRIBAL LAND.
AS STATED IN YOUR CONTRACT AGREEMENT, WE ARE NOT A STATE BY STATE MODULE. WHEN YOU SIGNED YOUR LOAN CONTRACT, YOU AGREED TO ABIDE BY THE TERMS OF THE FORT BELKNAP INDIAN COMMUNITY.
total BS
their response is typical,and wrong.your state laws prevail despite their delusional assertions.resend your email as a response,and keep resending it until they get the message.they are illegal and you know it.
Email received today from White Hills/Island Finance
[FONT=Arial][SIZE=4][COLOR=Black]This was emailed after I was repeatedly called at work. I called them requesting their address which he verbally gave me over the phone. I have not written a check to them this is so annoying..[/COLOR][/SIZE][/FONT][FONT=Arial][SIZE=4][COLOR=Black]I plan on re-submitting the letter I sent revoking ACH withdrawals and any wages along with a cease contact letter.
[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]I just want to re-pay what is owed, does this serve as a response to my letter ? And by the way they have not tried contacting.. I mentioned that I filed a complaint with the State Attorney's office and the FTC and his tune changed...[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]See below-
[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]We have attempted several times to reach you in order to resolve this issue the correct way. Unfortunately we have not received the necessary cooperation to prevent further actions on your account. [/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]Your account has not yet been reported as of today. If arrangements are set up with our company to resolve this matter, we can change your status from refusal to pay, to a preferred customer. By doing this it will allow you to pay off your loan with the arrangements that have been agreed upon. We may even be able to reduce your fees so that you pay less than what is actually owed. The end result is that you will have positive mark, instead of a negative one. This will also keep you eligible so that you are able to apply for additional credits in the future. [/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]Please allow us to keep you in good standings and resolve this issue the right way.[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]Please reach me at (800)986-1972 ext. 5168[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]Sincerely,[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]
Hector Castro
Island Finance, LLC
[/COLOR][/SIZE][/FONT][FONT=Arial][SIZE=4][COLOR=Black](800)986-1972 EXT 5168[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black][FONT=Arial]An Assignee of Alliance Funding
5777 W. Sunrise Blvd
Plantation , FL 33313[FONT=Arial] hcastro[/FONT][EMAIL="aedwardscollections@whitehillscash.com"][FONT=Arial]@[/FONT][/EMAIL][/FONT][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=Black]IMPORTANT NOTE:[/COLOR][/SIZE][/FONT][FONT=Arial][SIZE=4][COLOR=Black] To insure greater security for your account, before speaking with anyone about your account, ask whomever you are speaking with to provide you with your security code [/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2] Any authorized agent of Island finance or White Hills Cash will know what a Security Code is, and what your specific code is. If you ask for your code, and the agent is not aware of what it is, discontinue the call. You can call us today at the number provided to learn your code. Don't tell anyone what your Security Code is.[/SIZE][/FONT]
again BS
you neve wrote a check,and they can't report an ACH as a bad check.respond this way.
despite your delusions no check was written to you,and also despite your delusions i am not refusing to pay.i just don't owe the astronomical amount you claim.i am filing AG,and FTC complaints against you.i trust my position is clear here.if not any further emails will be forwarded to my AG as part of said complaint.
respond that way.