Online Advance/Law Office of Presley Smith?
Date: Mon, 07/02/2012 - 13:20
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Dear,
I am contacting you today regarding your collections balance in the amount of $1965.00 . THIS ACCOUNT IS 55 DAYS PAST DUE.THIS WAS RETURNED TO US AS ACCOUNT CLOSED THROUGH YOUR BANK WITHOUT REPAYMENT OF THIS DEBT. WE HAVE HAD NO CONTACT FROM YOU IN REGARDS TO ANY REPAYMENT ARRANGEMENTS ON THIS ACCOUNT. THIS ACCOUNT IS IN LEGAL DANGER AND DOES NEED YOUR IMMEDIATE ATTENTION. We accept payment via Money Gram OR Credit / Debit card Payment by phone.Please call me today so we can set solid arrangements in place.
I WILL BE TURNING YOUR FILE OVER TO THE LEGAL DEPARTMENT OF ATTORNEY PRESLEY SMITH FOR IMMEDIATE ACTION IN COLLECTION OF THIS DEBT SHOULD I NOT HEAR FROM YOU TO RESOLVE THIS ISSUE OR RECEIVE PAYMENT IN FULL BY YOUR NEXT PAY DATE 866 -643-2273
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Sooo, Should I be concerned about this? Or should I just re-send my letter directly to this person and mention that I will be filing complaints with the AG and FTC.
Thanks
You need not be concerned as they can't possibly take legal acti
You need not be concerned as they can't possibly take legal action against you successfully. Do exactly as you intend and that should put an end to the problem.
For all you know, Presley Smith could be the name of a flunky on
For all you know, Presley Smith could be the name of a flunky on the phones at this PDL. By all means stick to your guns. If they are an illegal lender, they don't have a leg to stand on!
Online lenders must be
Online lenders must be licensed in California. You can check here to see if they are - California Department of Corporations - their website is - http://www.corp.ca.gov/
Lender not lic in CA
Thank you for the link HelpinAZ. Do you know if Online Advance is calling it an installment loan instead of a PDL, is that a different can of worms??
I don't believe so, they
I don't believe so, they still have to be licensed to lend in CA to CA residents.. and since I see they are out of Delaware - I doubt they are, but you will still want to check!
I have checked
Thank you!!! I have checked and the search comes up with "no records found" which tells me they are not licensed in CA. I will be sending them my letter today. :)
I delt with these guys..
The law office tried to send me an official looking letter, and the loan documents when I asked for a dunning letter. I filed complaints, send them a C&D letter, and haven't heard from them since. This is since July of last year!
This is right off of their
This is right off of their website:
Address:
Online Advance
2 Penns Way
Suite 407
New Castle, DE 19720