Gone to Collections?

CPD is a scumbag bottomfeeder that collects on only illegal pdl's.they are in canada so i would report and ignore.it could be for mypaydayloan.com,but it could be for another loan as well.just do not call as they are a threatening bottomfeeder.if you have the info to send a C&D do it.

Yeah...send them a strongly worded cease and desist immediately....basically tell them to FOAD!!!!!!!!!!!!

Ok, thanks! Can one of you share where I can find a copy of a CA C&D Letter for them? I saw one and cannot find it now. Thank you!

They are now sending me egreeting cards, lol.



I sent them a response to their collection emails telling them to back off or I would get a C & D and report them to the state. The drama continues, lol

You can use the one in my signature line to C and D illegal lender

Its rather entertaining. 1. They must think I am a complete and total moron if they think I am going to give them updated info and 2. they are not listening. Here is the email I just received.

Hi! We are trying to update our records, and it seems that either one of your
phone numbers is no longer valid or disconnected, or we no longer have at least
2 good contact numbers for you. It is a requirement, as our customer, to have at
least 2 good numbers that we can contact you at. Could you please let us know
your new phone numbers so that we know how to get a hold of you? We will also
need an updated address, if you have recently moved.
In the future, we would like you to notify us any time you have a phone number
change, email change, or one of your references has a phone number change.

We would also like to point out that we offer two options to send your payment,
Account Debit, Moneygram and Credit Card. Please advise me of which payment
method you will be using to bring your account current and back in good
standing. The information required for each method is below.

For Credit Card payments please let us know you would like to use this option
and we can send you the authorization form.
The Moneygram information is as follows and can be done at your local store.
Blue Express Payment Form for Moneygram
Receive Code: 3956
Code Name: Strategic
Code City: Salt Lake City
Code State: Utah
Account Number: Mypayday
Fees for money gram payments vary from location to location.
ACH Debit:
Routing Number
Account Number
Name on the account

Please contact us today with your payment date, amount, method and any new
contact information! We look forward to your response TODAY!
Collections for Mypaydayloan.com
1-888-269-2303 ext 2

Ok this is the response I received from MyPaydayLoan.com

Since we are the original creditor and not a collection agency, your cease and desist is not valid. We will continue to exhaust all options to recover the debt you owe.

you can C&D an original creditor when it comes to calls at your workplace.so keep sending it as again you can C&D as fae as work calls go.

Dear MyPaydayLoan.com

You can exhaust every means you have which amount to harassment only. LEGALLY I owe you nothing....you are NOT licensed in my state of California and you have been warned. Might I refresh your memory??
State of California - Department of Corporations
7. By reason of the foregoing, Mypaydayloan.com has engaged in the business of originating or offering to originate deferred deposit transactions without having first obtained a license from the California Corporations Commissioner in violation of California Financial Code section 23005.
Pursuant to California Financial Code section 23050, Mypaydayloan.com is hereby ordered to desist and refrain from engaging in the business of deferred deposit transactions, including but not limited to, originating or offering to originate deferred deposit transactions in the State of California without first obtaining a license from the California Corporations Commissioner, or otherwise being exempt. This Order is necessary, in the public interest, for the protection of consumers and is consistent with the purposes, policies and provisions of the California Deferred Deposit Transaction Law. This order shall remain in full force and effect until further order of the Commissioner.

You are not getting another penny from me. I have revoke ACH and voluntary wage assignment rights. You cannot sue me in the state of California as the loan is dirty, rendering it null and void as you have no license to lend in my state PLUS the state has already issued you a cease and desist. So, do yourself a favor...mark my account as paid in full. Of course you can send me to collections but I will cease and desist any and all collection agencies you assign this too. Should the collection agency choose to violate the cease and desist, I will be happy to pursue then for statutory damages under the FDCPA. And for your information the CFDCPA , the California debt collection laws, DO apply to original creditors. So therefore I expect never to hear from you again, other to inform me that this account has been closed and marked paid in full.

Govern yourself accordingly

Thank you Soaplady! I sent them what you wrote and got this in response.

Your account is now being handled by our legal department. I will not be responding to any further. The transaction that YOU originated, has been explained to you, and an option to remedy provided; there is nothing further that I can offer you.

legal dept for an illegal offshore lender.they try to sway you to the end.next they will try the old"bank fraud"or "check fraud" trick.pathetic.

Dear MYPDAYDAYLOAN

Your legal department cannot do shit!! You violated the laws of MY state! The loan and your hands are dirty!! PLUS this was the last line of my email ..
So therefore I expect never to hear from you again, other to inform me that this account has been closed and marked paid in full.
And you just violated the CDCPA of my state!!! I can legally now sue you for violation of MY cease and desist!!!

Again, mark my account as paid in full. In ceasing you, I am also ceasing your legal department! I repeat...YOU ARE NOT GETTING A PENNY MORE AND THERE IS NOTHING YOU CAN DO OR SAY THAT CAN FORCE ME TO PAY!!! I will be filing a complaint with the stat of California Department of Corporations too. THEY will send you a reminder of the cease and desist order that is STILL in effect!!

Govern yourself accordingly.

Thank you and sent!

Consider using "crawl into a hole and drop dead" instead of govern yourself accordingly in the next one!

I tried to make a new topic but its not going through.

I have started getting calls from Credit Protection Depot at work for PayDayMax. I sent PayDayMax a C & D and apparently they are ignoring it. I sent it to Credit Protection Depot just now. Anything else I can do?

Paydaymax is an illegal canadian lender....they wont honor the cease and desist.