Pay day loan default

Don't take another phone call from these people. Send them a debt validation letter through certified mail.

Don't bother with a debt validation....Pepper Cash is an illegal tribal lender. Follow the link in my signature line for information on how to deal with illegal lenders.

if your dealign with the collections agent and not the original creditor u should send a validation

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I would trust soaplady over me on this, to the unregistered she's right in this case. There's no point asking them to validate illegal debt.

Thanks. Now they are asking my employer for employment verification without my consent

You gave them your consent when you signed the loan agreement. Be sure to revoke any wage assignment you may have signed. And give a copy to your employer after you send notification to the lender.

I didn't sign anything. It was done over the Internet and I never was sent a copy of the "agreement" that they said I'd get. He is saying they'll file against me for the NSF payment.

What about Cash Advance dba Ace Cash Express. I got a call today saying that they will be issuing a warrant for my arrest for check fraud if I do not pay them by 4:00 today? Is that legal.

I am in the State of TX btw.

Thanks,

There's an agreement out there somewhere with your esignature on it. Protect yourself and revoke the wage assignment.

The DA in TX will not accept PDL defaults as hot checks. They're considered a line of credit.

This is a licensed lender you're dealing with, however, so, you do need to work out a payment arrangement with them and get the account paid off.

I offered to set up a payment arrangement and he said no, it had to be paid in full or the Sheriff will be at my job tomorrow morning!

Unless there is already a case filed against you at your local county court, nobody is coming. Stay off the phone!!!! Don't buy into their crap!!!

Well, that won't happen. They're trying to scare you into paying it. Just keep at them for a payment plan, or better yet, tell them "this is what I can pay and how often" and then start paying them back. Keep records and receipts of all payments.

Try also calling the TX Office of Consumer Credit Commission at 800-538-1579. Let them know what these people are threatening you with. They may threaten their licensing if they continue these practices.

Great! I was truly scared. I don't need anything like that to occur at my place of employment.

Thank you so much!

I do recommend that you call the TX OCCC. It's important that they know how these lenders that they are licensing are conducting business in their state.

next time they say the sheriff is coming tell them to send him right on over and you'll have a talk with this "sheriff" about their illegal practices.

Really! The next time they tell you they're going to have you arrested, tell them you'll just go to the jailhouse and turn yourself in instead.

:razz:

Are you talking about unified Portfolio/pepper cash or the other persons comment about Ace on setting up a payment arrangement?

I'm talking about Ace. These BS threats of having a warrant issued for your arrest are nonsense and the OCCC's office should know that someone they've issued a license to is treating customers this way.

Now he's calling my job and whoever he gets he's telling them I'm going to be served and talking about my personal business and asking to speak to my supervisor!

Did you file a complaint yet?