VistaB / FastNextDayCash
Date: Tue, 10/30/2012 - 12:26
Ok. After defaulting on a number of CSO loans, I recieved the following email from VistaB to my personal email account:
"Your bank has notified us that the last payment was returned unpaid. This is either due to incorrect information on our part or an oversight on your behalf. We wanted to notify you of the situation. Our records show you were in good standing before the last payment. We are aware that issues occur when making payments and we are willing to work with you. We will be re-submitting the returned payment through your account on the next business day, and you will also incur a returned item fee. This will take place automatically if you do not contact us. To prevent any additional bank charges or to discuss payment options for this past due amount, you must call us before 4:00pm (CST) today.
Please do not let this payment affect your credit with us and/or any other of our lenders. We will be happy to assist you any way we can. Please call your Collection Service Specialist at 888-826-9833 ext 1009."
They then followed that up shortly afterwards to my work email which I have no idea how they got:
[COLOR=#1f497d]"You’re showing the company that your refusing to take care of a loan that you recieved from us, and that we need to process this as a fraud because you took out a loan that you’re not willing to pay back? I just want to get this correct! The person that they would be prosecuted is the persons’ name on the account where we deposited the funds. I do believe that it has your name on it. This was verified before the funds were deposited and they were again when the documents were forwarded to my department, and now again coming to my desk. Your IP address is your electronic signature. I will hold for 24 hours before I turn this over to the finance department to let them make sure I haven’t missed an opportunity to help you get this resolved.[/COLOR]
[COLOR=#1f497d]I then emailed them back with this response:[/COLOR]
[COLOR=#1f497d]It has come to my attention VistaB / Parkway One is not licenced in the state of Texas. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. I will make four biweekly payments of $125 each starting on November 12th.
[FONT=Andalus][COLOR=#000000]At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I will contact you on Novemeber 12 to make the first payment, and three additional payments occurring on November 26, December 10, and December 24.[/COLOR]
[COLOR=#000000]Furthermore, I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account 000xxxxx. You are collecting on an prohibited/illegal payday loan. The contract is null and void.[/COLOR]
[/FONT][/COLOR]
[COLOR=#1f497d]They then responded to my work email with the following:[/COLOR]
[COLOR=#1f497d][FONT=Andalus][SIZE=3][COLOR=black]I have no reason to contact you except in this attempt to collect a debt, now it is up to you to take the time out to make the call back to me to get this settled out with some payment arrangements, if needed. If I don’t hear back from you today 8am-4pm cst. I will continue the collection activity in the manner that I have been, until we find the resolution.[/COLOR][/SIZE][/FONT][SIZE=3]
[COLOR=#1f497d]
[FONT=Andalus][COLOR=#215868]Sincerely,[/COLOR][/FONT]
[FONT=Andalus][COLOR=#002060]Misty, [/COLOR][/FONT]
[FONT=Andalus][COLOR=#002060]COLLECTIONS Department[/COLOR][/FONT]
[FONT=Andalus][COLOR=#333333]Parkway One/Vista B[/COLOR][/FONT]
[FONT=Andalus][COLOR=#004376]misty[/COLOR][EMAIL="misty@pwollc.com"][COLOR=#004376]@pwollc.com[/COLOR][/EMAIL][/FONT]
[FONT=Andalus][COLOR=#333333]Phone – 888 826 9833 x 1009[/COLOR][/FONT]
Fax – 877 418 6285
[FONT=Andalus][URL="http://www.fastnextdaycash.com"][COLOR=#004376]www.fastnextdaycash.com[/COLOR][/URL][/FONT]
It would seem that they totally blew off both my suggested payment arrangements and my cease and desist orders. Also, the email that was sent to my personal email was also sent to several other customers as a mass email. I can't imagine that is within the Fair Debt Collection Act? Suppose they don't really care being as they are located in Nevis anyways. Do I send a more harshly worded reply? Would filing a complaint with the Texas State Office of Consumer Credit?
Thank you!!
[/COLOR][/SIZE][/COLOR]
"Your bank has notified us that the last payment was returned unpaid. This is either due to incorrect information on our part or an oversight on your behalf. We wanted to notify you of the situation. Our records show you were in good standing before the last payment. We are aware that issues occur when making payments and we are willing to work with you. We will be re-submitting the returned payment through your account on the next business day, and you will also incur a returned item fee. This will take place automatically if you do not contact us. To prevent any additional bank charges or to discuss payment options for this past due amount, you must call us before 4:00pm (CST) today.
Please do not let this payment affect your credit with us and/or any other of our lenders. We will be happy to assist you any way we can. Please call your Collection Service Specialist at 888-826-9833 ext 1009."
They then followed that up shortly afterwards to my work email which I have no idea how they got:
[COLOR=#1f497d]"You’re showing the company that your refusing to take care of a loan that you recieved from us, and that we need to process this as a fraud because you took out a loan that you’re not willing to pay back? I just want to get this correct! The person that they would be prosecuted is the persons’ name on the account where we deposited the funds. I do believe that it has your name on it. This was verified before the funds were deposited and they were again when the documents were forwarded to my department, and now again coming to my desk. Your IP address is your electronic signature. I will hold for 24 hours before I turn this over to the finance department to let them make sure I haven’t missed an opportunity to help you get this resolved.[/COLOR]
[COLOR=#1f497d]I then emailed them back with this response:[/COLOR]
[COLOR=#1f497d]It has come to my attention VistaB / Parkway One is not licenced in the state of Texas. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. I will make four biweekly payments of $125 each starting on November 12th.
[FONT=Andalus][COLOR=#000000]At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I will contact you on Novemeber 12 to make the first payment, and three additional payments occurring on November 26, December 10, and December 24.[/COLOR]
[COLOR=#000000]Furthermore, I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account 000xxxxx. You are collecting on an prohibited/illegal payday loan. The contract is null and void.[/COLOR]
[/FONT][/COLOR]
[COLOR=#1f497d]They then responded to my work email with the following:[/COLOR]
[COLOR=#1f497d][FONT=Andalus][SIZE=3][COLOR=black]I have no reason to contact you except in this attempt to collect a debt, now it is up to you to take the time out to make the call back to me to get this settled out with some payment arrangements, if needed. If I don’t hear back from you today 8am-4pm cst. I will continue the collection activity in the manner that I have been, until we find the resolution.[/COLOR][/SIZE][/FONT][SIZE=3]
[COLOR=#1f497d]
[FONT=Andalus][COLOR=#215868]Sincerely,[/COLOR][/FONT]
[FONT=Andalus][COLOR=#002060]Misty, [/COLOR][/FONT]
[FONT=Andalus][COLOR=#002060]COLLECTIONS Department[/COLOR][/FONT]
[FONT=Andalus][COLOR=#333333]Parkway One/Vista B[/COLOR][/FONT]
[FONT=Andalus][COLOR=#004376]misty[/COLOR][EMAIL="misty@pwollc.com"][COLOR=#004376]@pwollc.com[/COLOR][/EMAIL][/FONT]
[FONT=Andalus][COLOR=#333333]Phone – 888 826 9833 x 1009[/COLOR][/FONT]
Fax – 877 418 6285
[FONT=Andalus][URL="http://www.fastnextdaycash.com"][COLOR=#004376]www.fastnextdaycash.com[/COLOR][/URL][/FONT]
It would seem that they totally blew off both my suggested payment arrangements and my cease and desist orders. Also, the email that was sent to my personal email was also sent to several other customers as a mass email. I can't imagine that is within the Fair Debt Collection Act? Suppose they don't really care being as they are located in Nevis anyways. Do I send a more harshly worded reply? Would filing a complaint with the Texas State Office of Consumer Credit?
Thank you!!
[/COLOR][/SIZE][/COLOR]
To be blunt about it, these people are not in Nevis, they just s
To be blunt about it, these people are not in Nevis, they just say so to exploit the loophole. What is there in Nevis is just a PO Box for this shell company.
Anyways, ignore them and report them to the AG and the FTC. If they want their money, they will have to play by your rules. Give them no quarters.
