pdl update

Just checking on you - how is it going?

Hello, Im doing ok. Im at a stand still with the remaining pdl companies, I sent the emails been over a week now and I havent had any response back. One Click Cash and Castlepayday who owe me refunds have sent my account to their compliance department. They want more money and dont want to consider my account pif. As far as Cash Call, Vip loan shop, Red Leaf Lending, havent heard any response back. The others that agreed to my terms Ill be paying them next month after the holidays , not going to rush:).. Money is tight and thats what got me into this problem in the first place. Its so easy to want to take out another but Im not. I want the New Year to better and actually have money to pay off bills. How much longer should i give these guys if they dont respond. Do I send another email or just keep waiting and see what happens. They havent tried calling me yet....

I haven't answered them in some time - when they get close to what I want then I will.. I haven't sent them an email since, the end of Dec.. I have gotten a lot of mail from them - just got one Jan 22nd for 8 payments of $324.18 = $2593.44 - I only owe them $1398.47 still in principal -- The way I look at it they have dropped it from $12,956.24 since Oct -which amazes me if they are so legal - why would they decide to forgive $10,362.80 worth of loan...LOL.. so in a few more months we may be on the same page.. and then I will tell them how I will pay... not them tell me...

and my snap credit- 299

so here are the remaining pdl's i owe on that havent responded to my emails:a

Just tell them your plan is what I would do... They don't need to know why.. but I would give them a plan that will work for you so you can be done with this and get your PIF.. if you need to break it out over a couple payments tell them that.. it is really up to you what will work - and how long you want to take to pay them..

Did you hear anything back from Mobiloans?

i value your help and your opinion. how did you get so knowledgable on this? when i googled number the only if i got were people who got calls from the number and it said collections but couldnt tell if they were legit. no company info came up. if they are a real collection co how can they buy an illegal loan? Can they turn around and say well you knew it was illegal and i somehow get introuble? do mean to be repeating myself.

Fingers crossed for only good updates:)

Hopefully good updates!!!

the emails said they went through. one click and castle pay day gave me the usual bs and that they werent giving any refund but that they still wanted more money. they werent acknowledging my payments already being applied towards principle. so i told them they could either send me a pif email and apply my payments to principle. either way they werent getting more money from me. and now castlepay day i cant even get into my account online now. and one click cash when i sign in it just says to contact their compliance department with an 800#

I would just wait it out, be prepared since they are illegal and don't always do what asked to block their numbers if they start to call. Keep us posted and I will be here to help where can :)

Also at what point do you just not do anything anymore? Months, Years? Do I just send in the payments on my terms?

For me I am about done sending Plain Green and WS/CC emails - I have send every week of so since early Oct, I figured OK to annoy them as much as could. LOL, now I will sit and wait it out... And yes on the payments.. I would only worry about the ones that are working with you though on what you said you would do and send money orders or prepaid debit only and I would spring for the CMRRR so that you know they got them, as soon as last payments made push for the PIF's from them as well.

oh yes im only sending my payments to great plains, jupiter, and mobiloans, as they are the only ones who agreed to my terms. I am going to send money orders and certified return receipt. As far as the others, I might send one more email after the New Year and then if nothing, I will wait it out. I figure at some point they would rather agree to my terms and get their principle back or no money at all..I will def. keep you posted and vice versa. In the meantime Happy Holidays and thanks so much for help again.

do you recommend consolidating the remaining pdl i own or does that defeat the whole purpose of not paying fees

suggestions... so after not hearing from vip loan shop for months i get a call from this company stating they are going to serve me papers that there is a case against me for check fraud since i closed ut my checking account and they havent received my payments. they have also called my work five times today. they wont send me a debt validation they just keep saying i know what its about and also wont give me there address.should i be worried? what should i do?

file police reports as they can't have you arrsted as fraud is a crime,and owing a debt especially an illegal one is not a crime.report and ignore,or at least hang up once you know it's them.they are illegal as hell,and so are the calls.report and ignore.

im sorry im confused when you said by what you said that they cant arest me fraud is a crime? what will filing a police report do? they also called my parents house which i never gave them the number to so i dont know how they got it? they left they same message on my parents machine. So i just told them it was a scam to ignore it and hang up. Was that the right thing to do? and they say check fraud, i never wrote checks so how can they say that? all payday loans are illegal in my sta of mass anyhow but can i get introuble still? i didnt know they were llegal when i took out the loan. So you dont think they are really going to come to my work or home?

for one once you do that furture calls will be dealt with,but it is more for your piece of mind as your local police will also tell you it's a scam.btw they say it because they are mutated smegma that doesn't give two tweedles about the law.last thing hell no.they like to threaten to scare you.so all bark no bite when it comes to threats,and telling all that this is a scam is the exact thing to do.hope i addressed your concerns.

pain in the butt herr again sorry.. do you know how they would have gottem my parents number they even called my ex sister in law who lives in another state. im just worried becaise im a single mom withb a small child. they keep calking my mom yelling at her saying tell me where yourdaughter is. now ive dealt with a collection agency before fir a credit card and i kno they were legit because they gave me there number and address. i called lical police and they said just hang up on them. but if they keep calling? also what do i do bevause technicalky i owe principle but they ate an illegal lender in my state plus offshore. do i pay them?do you think they will really try to sue me? sorry for so many questions

you are not being a pain.. Do what the police say or block their numbers.. Tell you mom and the rest of your family you are a victim of fraud -- you are..

@ helpin so you dont think they will show up at my work monday like he said? this guy also said vip hired them to track me down. and i laughed because if you have my "info" already why would you track me down. Do you have any idea how they would get my families numbers? a brother in a diffent state and an ex sister in law, pretty scary. So what do i do now in terms of repaying? or tell them to go to hell?

I seriously doubt someone will show up at your work.. they got your families info by skip tracing you - that is not difficult..

Do you still owe them? if no then ignore them and if yes they still need to agree to what you say you owe and to your terms..

I just hope they stop calling my work. My parents already blocked the number.I also hope the other pdl companies I havent heard from dont start doing this. So out of curiousity say they did serve me at work, its an illegal loan what would happen? And do they think talking to my work is going to do anything, the guy kept saying I want your human resource dept. Yes I still owe $ 500 on principle. When I found this site in december I followed all the steps and never heard from vip loan after that. So I just waited and yesterday was the first time I heard from this company "creditors". and when I tried online chat with vip they said my account was referred to a third party agency and I had to contact them. She gave me a totally different number then this guy called me from. So I called it, it rang a few times and went to an answering machine.So should I email vip loan again with terms and tell them Im not dealing with these other idiots? What is skip tracing? never heard of it.

They aren't going to serve you -- first they would not call ahead and tell you! Just tell your employer that you have been a victim of fraud.. you want to make sure that your payroll is aware that your canceling any and all supposed wage assignments. Don't talk to any of them on the phone - email or mail only - you want all in writing.. Skip tracing is where they plug in what they know about you and see what comes up - some will list your relatives and all..

i already told my boss it was a scam on friday. im close with my boss so theres no way shed honor any wage assihnment. how could they even collect on a wage assignment if its illegal? i was just more nervous because my familu doesnt know i took out payday loans and i would never hear the end of it from them if they knew so i kust told them someone must have gotten my info online and its a scam. Do you have any suggestions of whay i should write in the email to vip loan? Do i email them directly from the website even though they say its gone to the third collector?

They don't have to know you took out a PDL - you are a victim of fraud - plain and simple.. I would just remind them what if any thing you still owe them and how you are going to pay - if you don't owe them anything say that.. you need to send a C&D to the collector CMRRR

the collector wouldnt give me an address so what do i do now?

block their number and be done.. they have to send you a debt validation in writing that they are even authorized to collect on the debt.. if they refuse then oh well their loss.. no one is going to just say OK over the phone - I owe you - you are right.. here let me give you my bank info..

this is true. when i asked for a debt validation they said oh so you know u owe it. i said im not saying anything except i want a validation and they wouldnt. so i hung up and thats when they called my mom yelling and screaming for her to tell him where i was.so tomorrow is monday om curious if they will try to call again. if so im just hanging up on them. i will deal with them when or if they send a validation letter with their info. thanks for the help once again!

No problem - here to help - I would see if you can block their number from you and your mom's phone service... call the phone company and tell them you are a victim of fraud and they should be able to help you... I would also suggest you both file a complaint with the FTC at - http://www.ftc.gov/ - the complaints can be done online.

we already blocked the numbers but one of the times they called my mom it came up unknown number. they still have my work number though. im just nervous what tomorrow will bring because the guy was creeping me out on the phone.i will file the complaint online tomorrow.

once im on the ftc main web page where do i go to file complaint?

Consumer protection - file a complaint - and then I believe complaint assistance...

found it thanks. do you have a link for the laws of what a collection agency can and cant do?

I think they are on there somewhere.. I found this on there - http://www.consumer.ftc.gov/articles/0149-debt-collection

I just typed in fair debt collection in the search in the top right hand corner.

ok so i got to work this morning and the calls started this morning again. to my work and then to my parents threatneing me and my daughter. So I called the loal police department,to find out what to do. so the officer called the number i was given and the guy told him i had taken out a loan back in november for $750 and i have not paid it back. so what do i do now?? because i played dumb to cop and this collection agency that i knew nothing about the loan. the creditor called the local police and stated that he will send something to me in the mail that he offered to but i refused and hung up on him, which is a lie. Do i need to get a lawyer?? when i went on live chat with vip they gave me the number to e finance collection agency which is a totally different number then this other guy at creditors. Now im scared i dont know what to do can you please help me out here.Do i call efinance and try to work something out with them? My mom keeps asking me if i owe this and i dont want her to know the truth. They keep saying check fraud but i didnt write any checks i just closed out account. What if i do get something in the mail from them? can they collect on this illegal loan? can i take out legal action for them threatning me and harrasing me?

How did they threaten you???? How did they threaten you?? You may need an attorney to SUE THEIR ASSES!!!
Please give specific details. Who is the creditor and who is collection agency?

Calm down......if this is an illegal loan, they CANNOT and will not sue you...they are attempt to scare you. '
I am off to work....will write you a letter later this evening. Stay off the damn p0hone ....no communication with anyone today.

Who gave the information to the cop?? CA or creditor?? Were you on the line? Did they disclose without your permission?

they called my brothers cell phone and told him they were coming after me and my daughter and they were going to kick my ass.so after that happend is when i called the police of the town i work in because i was scared. the loan is with the vip loan shop and the company that has been calling is called creditors. i tried to look them up online but couldnt find any info. they guy named david munroe who was threatning me with check fraud and and finding me and swearing on phone was supposedly hired by creditors to find me. yet they have all my info. i dont know what the difference is between the CA and creditor? i did file a complaint with the ftc this morning like you said. When they called my parents and other family members they left messages stating they were looking for me for check fraud and also told my mother it was a loan i took out in november that i didnt pay on. so the cop said he would call this guy at the 800# which is a mr godfrey who he said was nice as pie and he told the cop it was a loan that i didnt pay on. Should i tell my family memebers the truth. im jst sick to my stomach and dont know what to do from here. I will wait to hear from you later...

have everyone called by this bottomfeeding file police reports.vip loan shop is illegal in every state and the idiots broke the law in stating check fraud.do that and just ignore these cretins.

since you did file FTC complaints.keep filling them,or yes saying you are the victim of fraud.i guarantee nobody is coming to your house,or work.that is the favorite threat of a scummy scam.

well i know they are illegal but if you heard these guys threatnening me and my daughter and calling my family it was scary. plus they kept calling my job and i cant afford to lose my job. ive been talking back and forth to soap lady about this and shes been great but what is your advice on this, what do i do from here? do you think ill get papers in mail or not? if i did what then? Do i even try to pay them back at this point? i was worried too about my family finding out i took out pdls, they would kill me. but i had already borrowed money from them and im a single divorced mother who needed help with rent and daycare.

thanks for help

they called my brothers cell phone and told him they were coming after me and my daughter and they were going to kick my ass.so after that happend is when i called the police of the town i work in because i was scared.

the call came from the same 800# they called me on. i live in massachusetts. what will taking a pic of the number and writing a statement do?

he said he was a company named creditors so i assumed it was a CA , not vip loan shop directly. because when i went on the vip website they said it was in third party collections but gave me a totally different number and it was to e finance . she said call and press option 3 for collections and i shouldnt have any problems. i didnt call though. i wanted to wait and see what you suggested.apparently this jerk called back the police officer and told him he would send a debt validation to me, why would he do that. i just feel like there will never be any relief. something i thought would help me get out if debt has made things worse. im a single mom whos told i make too much for any assistance so i get penalized for actually working. if i could figure out how to get rid of the debt all together ie; credit cards payday loans i might actually be able to breath again.

What is the phone number???

If it was in fact a CA threatening physical harm, that is a major FDCPA violation. The cops should have been more concerned with the physical threat than the debt owed.

FYI...All payday loans are illegal in MA....they cannot take legal action against you and they know it!!!!

thr phone number is 855 537 0563 x 176 was to this idiot Mr Godfrey. The cop was just like oh not much we can realky do its a scam just wait it out and see what happens. I dont know if he said that because I told him I knew nothing about the loan, was that the wrong thing to do? Plus I told this Godfrey guy I was unaware of the loan to validate it, so I didnt want to be like its an illegal loan you cant take legal action. I didnt want to say anything over the phone that we get me in trouble. I dont want to keeping bugging you but what should I do from here? Do I even bother trying to contact them and pay it back?

Are you listening at all to what we are saying??? THis company is breaking the law major time...you are not going to pay them a penny. They should be paying you!! The threats of physical violence is a major violation and you need to take legal action against them!!! The debt at this point is irrelevent...I am just trying to find out who these bastards are...from googing the phone number I have found out they are a collection agency. I am going to call then later to find out who they are.,...in the meantime you need to get that statement out of your brother.