PaydayLoanYes - Anyone make headway?

Yes, you've done all the things that you're supposed to do. Did you send a cease and desist letter in written? Make sure you close your bank account in order to stop any kind of uninformed debits.

I am assuming you have revoked ACH rights and revoked your voluntary wage assingment?

Oh yeah, closing my bank account was the first thing I did. And, one step better, I switched banks. My state only allows wage garnishments (exceptions of taxes, student loans, child support, alimony) with a court order, which these fools can't get without opening the door to lawsuits, so I'm not worried there. If they could get my paycheck, they wouldn't be threatening with a subpoena, they'd just go in and get it.

Yep, sent the written C&D.

This has been going on for months now, is why I ask if anyone's made any progress.

Well, seems they've passed it along to CA of Yancey Murphy & Associates, who called me at work yesterday. Began the convo by informing them that I was recording the call and was not to receive any more phone calls at work. Gave them my google voice number to call, although I informed her I wouldn't be answering it, but she could leave voicemails. Informed her that all communication should be sent to my home address, which she read to me.

Also informed her that I have a letter from NCDOJ stating that PDLY and its collectors are to cease all collections activity, which she seemed surprised to hear. Told her I'd sent it to PDLY at least twice, along with NCDOJ mailing it to them. Said I'd send it to her after I received written communication from her.

She said something about "warrant" and I spoke over her. I have to say, though, that she was at least polite.

Had to laugh when I found their website. "Legal Stratagies". Um, that's strategies, dumbazzes.

I think (hope...pray) that I may actually finally be through with them.
After I finally couldn't take the phone calls to my work anymore, I called the woman back and left the most blistering voicemail. I wish I had a recording of it! Then she called and left a voicemail on my cell (gave her my Google Voice number) threatening to charge me with check fraud and call my HR Director to tell them just what kind of a person I really was. WTF-ever, right? So I called her back and asked to speak with her supervisor but before she would transfer me she kept trying to ask me questions and each time I'd just interrupt with "I'm holding for your supervisor". Drove her so crazy she hung up on me AND (somehow) blocked my number from calling any of their numbers.
They passed off my account to Young Murphy and Associates, who aren't the brightest bulbs in the box and I doubt their credibility. BUT, they were very nice and while they tried to get me to admit fault, I didn't play into it. I asked them what kind of company would work for an illegal payday loan lender who doesn't respond to orders from a state AG to cease and desist. They wanted me to fax info in, but since I didn't want them to have my fax number, I insisted on mailing it. I sent them pages of letters, documentation of my attempts to get PDLY to stop, and a print-screen of their website where they had a tab misspelled. :)
That was January 13th that I mailed my letter and various attachments and since then...nothing. So maybe the best option is to go off on their CS reps at every turn, then finally reach a point of closure with the collection agency they pass you off to.

The best advice I got on this forum was to completely ignore them. You have sent them everything in writing, now stop talking to them, period. All of my coworkers have been given a heads up as to what to look for in the calls at work, and they hang up immediately, not a word. If they call my cell and I can see it, I pick up and then hang up so they don't even get the pleasure of leaving a nasty voice mail. I have been tempted to use a canned air horn into the phone, but that would be stooping to their level.

The "legal calls" have stopped since they tried the process server trick again on me at work. I saw the number, picked up and hung up (5 times in a row consecutively until they gave up).

If I see their Utah number, same thing at any phone. Pick up and hang up! If anyone calls work and asks for me, a supervisor, or a fax number, they ask who is calling and why, and if they start their "she is in trouble routine" they hang up.

The result? They have almost stopped. One call from them this week on my cell.

If you talk to them at all, they feed on it. Even if you tell them they are illegal, can't do anything, etc. They will continue to call and try to convince you otherwise.

They owe me money, but I don't expect to see it. At least they leave me alone for the most part. I am sure there is more to come. When they figure out I ain't talkin', they will go away.

I have made NO headway with pay day loan yes/usa cash express. I have spoken with Karen Tims via email and she has referred my complaints to Tim Atkins. All I keep receiving from them is an email saying their is a problem with my checking account and that my account is in collections. I have overpaid them by 500.00 and this loan is illegal, I live in NJ. My problem is I am no longer employed and I am afraid they are going to start calling my ex employeer. What do I do? How do I handle this? WHat is their mailing address to send C&D??? I can not find a mailing address. The BBB lists a South Carolina address, is that correct??? I have dealt with 14-18 PDL's over the last few years and Im finally done and this company is by far the worst and the hardest to deal with. Its so frustrating because they have been paid in full!!! I filed my complaints etc...but just concerned as to handle my previous employeer. I do not want them giving info to them about me and I dont want them being hounded. Any advice I would appreciate.