They just won't let it go....

Since your lenders are illegal, so you are required to pay them only the principal amount. Ask them for the refund, if you have overpaid them. You will be happy to know that illegal lenders won???t be able to take any legal action against you.

They appear to be violating your rights under the Federal Fair Debt Collection Practices Act (FDCPA).

If you have an e-mail address, write them and tell them to CEASE any and all communication to you regarding the illegal pdl. Note, also in your e-mail, that they have threatened legal action that they have not or intend not to do (you say 13 times?) and that is most certainly in violation of the FDCPA as I understand the law.

Not responding to them, either via e-mail or written snail mail, isn't the right path to take. It won't help you stop them. But an e-mail - or if you have their fax number and access to a fax, you can use that, too since it's date/time stamped - noting the above will make them stop. Save all voicemail messages they make after you've sent them the Cease and Desist.

I hope that helps. It helped me.:D

save all voicemails as claiming they are a process server is a suable offense already.compile your proof starting now and sue them.that would get them off your back,and put $$$ in you pocket as well.

Is this the PDL or a collection agency calling? If it the PDL themselves, there would be no 1 as the act does not apply to the creditor, only third party collectors. Deal with the irritation...let it go to voice mail. Or have fun with them knowing they cannot do squat to you. Offer to meet the process server at your local police department. Email them to death with the fact that they are illegal...they are simply trying to break you down and scare you.

isn't it illegal to claim that no matter what?so the lender can lie out of their a$$ and get away with it.say it ain't so.

Sure it is illegal and so is the lender. Even if the FDCPA did apply, you couldnt collect under it anyways. You really think an illegal lender is going to pay up??

you're right,you're right.being as this is an illegal lender a lawsuit is pointless.i don't however advise"messing with them"as some are stupid to the point as they will read any communication as a possiblity of them getting paid.ignore all calls and messages.i do sometimes play some messages when i need a good laugh,but that's just me.

I agree with ignoring them. File complaints and then just don't bother responding to them again. With these types of illegal lenders, any attention you give them just fuels the fire.

This is not the original illegal payday lender, they are acting as "debt collectors" for those illegal lenders.

I figured not engaging them would be the right tactic but they just don't seem to get it. Most swindlers realize after a certain amount of time of no response they aren't going to get anywhere and stop but they keep going!!!

I don't think they will heed Cease & Desist letters so I have their number blocked and will just let them go to vm. I'll check with county clerk periodically for any lawsuits and just move on with my life!

I really appreciate all the feedback and am so thankful that I have found this forum of fantastic people! Keep up the fight :)