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ACA is threatening to sue from Best Pay Today.com

Date: Fri, 10/12/2012 - 08:10

Submitted by anonymous
on Fri, 10/12/2012 - 08:10

Posts: 202330 Credits: [Donate]

Total Replies: 12


I am being threaten to be sued from ACA, the loan is from bestpaytoday.com, which is illegal in Iowa, ACA doesn't care if they are illegal or not. What do I do


Are you talking about ACA Recovery???

Dear ACA'

I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account #______________, creditor Best Pay Today. Your client is an illegal lender in my state of Iowa, charging interest more than double the allowable by my state, thus making the contract I signed null and void. You are collecting on a dirty loan. Should you choose to pursue this, I will be forced to file against you for FDCPA violatons, file complaints with my State AG's office and the FTC.

Govern yourself accordingly..


lrhall41

Submitted by SOAPLADY on Fri, 10/12/2012 - 08:36

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next time this bottomfeeding scum calls demand something in writing,and state you will not speak to them until you get it.bottomline they won't sue as they know the loan is illegal,and are illegaly threatening to scare money out of you.don't fall for it.


lrhall41

Submitted by paulmergel on Fri, 10/12/2012 - 08:36

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should I mail it or email it


lrhall41

Submitted by on Fri, 10/12/2012 - 08:45

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What if they end up serving me?


lrhall41

Submitted by on Fri, 10/12/2012 - 09:06

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New to the form- Need help ASAP Please. I live in Texas & I have 4 PDL. Two I defaulted on Friday-10/12/2012 & my bank account is closed.
Defaulted Loan-
Payday One-Loan Amt-$950.00 renewed 1 paid interest in the amount of $232.75
Amount owed with NSF $1219.51. Payday One contacted me by email, have yet to reply.

Defaulted Loan-
DiscountAdvances-Loan Amt-$900.00 I always pay in full & take out a new loan to cover expenses. Should have repaid $1073.00 on Friday, 10/12/2012. Discountadvances has not contacted me as of yet.

Plain Green Loan-
Loan Amt-$2200.00 Pay $124.40 every two weeks. I have paid 19 payments which total $2363.60
Great Plain Loan-Loan Amt-$300.00 Pay $71.89 every two weeks. I have paid 4 payments which total $287.56.


lrhall41

Submitted by on Sun, 10/14/2012 - 08:33

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Waffles, it is Payday One. Also, I have a taken numerous loans out with Discountadvances since 2008 & have paid all of them in full except for this time. So, do I only pay the principle which was $900.00 & do you know anything about Great Plain Loans?


lrhall41

Submitted by on Sun, 10/14/2012 - 16:33

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Payday One is a CSO in Texas... unfortunately since it isn't Payday 1 it is legal and you will have to pay them back at their request. I suggest you request an EPP.

As for the other two, you can add up previous loans. If you've reloaned numerous time it is likely you have overpaid in total.. I wouldn't bother with a refund. Add up all your previosu and tell us if it goes over the principal on the last loan. Also follwo the steps in my signautre, make sure you revoke ACH and close your bank account.


lrhall41

Submitted by waffles on Sun, 10/14/2012 - 16:57

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Waffles, what is a EPP? The fees/interest paid to Discountadvances on loans numerous loans added together since May 4, 2007 $5,718.40. The loan I defaulted on friday, 10/12/2012, the principle amount was $900.00. Great Plains principle amount $2200.00 on 01/04/2012. I made 19 payments 124.40 every two weeks which adds up to $2363.90


lrhall41

Submitted by on Sun, 10/14/2012 - 17:59

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