got a call from someone concerning a payday loan

First of all he violated the law. He can not charge you with theft conversion or internet fraud. It is a civil matter at best. If you look through the forums, there has been discussion about this. This is a very common threat among payday lenders. Don't let them scare you into paying them. As long as you paid Platinum B in full and have proof, that is all you need. You need to file a complaint about this company. I am guessing the call came from Interstate Wire Compliance.

that is who they were that called

Search this forum and collect some information on IWCB. You can get lots of feedback on them and will understand how to deal with them.

Let me tell you, no one can be arrested for not paying their debts. Post dated checks are not counted as bad checks. If possible contact your lender and see if they can accept payment from you. Keep us posted.

toughtimes in bmore

Welcome to the forums! Do you have any proof that the loan was paid? You'll need that to possibly submit to the collection company that is calling you. I also recommend that contact PlatinumB and explain to them that you're receiving these types of calls.

Do you have any contact information for this Alex guy at Interstate?

Regards-
Mike

I signed up with T & C (thanks to all of you who pointed me in that direction) gave them the addresses and phone numbers of my payday loan creditors. For the most part things have gone okay. There is this one guy in particular who has called me from National Payday Advance six times in a row at my job last week. I told him he had to stop calling my job because he was going to get me fired and then he wouldn't get anything. I told him that I would sue him for harassment and he told me that since he was not a "third party" that I could not sue him. I told him bullsh (you know the rest) that I could could sue anyone that was harassing me. I explained to him that I was with a debt consolidation company but he claims his company doesn't work with them because, now get this, they are not trustworthy. Anyway, he sent me a nasty e-mail tonight stating that if I did not pay the loan that he would start calling my job again. This is blatant harassment. I'm afraid that even if I do send him a cease and desist letter, that he will continue to call me until he receives the letter. Any suggestions? Is a faxed C&D letter just as good as a certified one? Thanks.

I would fax the cease and desist letter and then send it certified mail. With certified mail return receipt requested, you have proof that it was received by the CA. If this is a collection agency, I would also ask them to validate the debt. collection agencies for payday lenders can be pretty aggressive.

I am now contacting them everyday to harass them I told alex Devine his mother could pay the debt since I was her pimp

Hi this msg is for sheilaaw. When I get harrasing calls at work. As soon as they tell me who they are I say "Hold on one second, I need to turn my taperecorder on for this cnversation" I request them to confirm the date and their name and company info. I proceed to explain exactly what you said about getting fired for the excessive personal calls at work. I inform them that their calls are in direct violation of the Fair Credit reporting act.

They usually hang up on me as soon as I say I am turning on my tape recorder. (It helps that I work in a law firm and thats how the phone is answered) but these guys know they are in volation of federal law. They assume that you are not smart enough to know that so they call your bluff. Call their's right back by threateneing to record every conversation but, make sure if you do/can record it that you emphasize the point that their calls are causing you disciplinary actions at work.

I hope this helps.

Quote: