National Payday Advance

in the books section of this website there are sample letter copies.

Sounds painful...I hope it does not get this bad for me!!

Wait this is the orginal creditor what do I do then?

T&C will handle it.

This dude is really treading on thin ice. First party or not, I would file a complaint with the AG. That'll shut them up.

Beatle I PM'd you

Is this a store front lender or an internet lender?

internet lender

Amber, are these guys based in Utah?

I am also with T&C. I had one pdl (in collections no less)that did not want to cooperate either. they were calling both work and home everyday. I sent a letter.... basically is was a cease and desist of all calls immediately. Then I continued to explain that T&C have been trying to work with them. They are currently have my paperwork but are refusing to acknowledge it. This was an attempt to pay a debt and If they refuse to deal with my consolidator, they were in fact dening payment from me on my account and it would be noted as DENIAL OF PAYMENT TOWARD THIS DEBT. I never heard from them again

I have found one or two PDL's that I choose to take out of my program and pay off. I have mixed feelings about T&C and most likely when I get back on my feet financially, I will pull them out one by one and pay them off myself. I don't find T&C being very "aggreessive" toward my better interests.

sorry, pardon the typos above, I forgot my glasses today :shock:

The original lender does not in fact have to accept any proposal from any company trying to work out a partial payment agreement. Neither does a collections agency.

Keep sending the money. They have to by law post it to your account. A cease and desist letter is designed for one hting.. For that debt to be sent to another agency and so on.

Original Creditors are not bound by fdcpa, however everyone (personal or business, creditor or not) is bound by the USC code. particularly 47USC2223 which states:
[quote]TITLE 47--TELEGRAPHS, TELEPHONES, AND RADIOTELEGRAPHS

CHAPTER 5--WIRE OR RADIO COMMUNICATION

SUBCHAPTER II--COMMON CARRIERS

Part I--Common Carrier Regulation

Sec. 223. Obscene or harassing telephone calls in the District
of Columbia or in interstate or foreign communications


(a) Prohibited acts generally

Whoever--
(1) in interstate or foreign communications--
(A) by means of a telecommunications device knowingly--
(i) makes, creates, or solicits, and
(ii) initiates the transmission of,

any comment, request, suggestion, proposal, image, or other
communication which is obscene, lewd, lascivious, filthy, or
indecent, with intent to annoy, abuse, threaten, or harass
another person;
(B) by means of a telecommunications device knowingly--
(i) makes, creates, or solicits, and
(ii) initiates the transmission of,

any comment, request, suggestion, proposal, image, or other
communication which is obscene or indecent, knowing that the
recipient of the communication is under 18 years of age,
regardless of whether the maker of such communication placed the
call or initiated the communication;
(C) makes a telephone call or utilizes a telecommunications
device, whether or not conversation or communication ensues,
without disclosing his identity and with intent to annoy, abuse,
threaten, or harass any person at the called number or who
receives the communications;
(D) makes or causes the telephone of another repeatedly or
continuously to ring, with intent to harass any person at the
called number; or
(E) makes repeated telephone calls or repeatedly initiates
communication with a telecommunications device, during which
conversation or communication ensues, solely to harass any
person at the called number or who receives the communication;
or

(2) knowingly permits any telecommunications facility under his
control to be used for any activity prohibited by paragraph (1) with
the intent that it be used for such activity,

shall be fined under title 18 or imprisoned not more than two years, or
both.[/quote]

In light of this person's statement, you need to document calls (i.e actually answer them and record date, dime, number called,length of call and the person call was initiated by) In order to pursue federal charges under the Federal Communications Commission. THIS IS NOT CONSUMER/DEBT LAW, this is a regulation relating to communications. Most in the collections industry have little or no knowledge of this and will try and play it off and say it does not apply. THIS APPLIES TO ANYONE IN THE US.

national payday is very sketchy... they lost their license in utah, have a phone in Fl and a fax in nevada... I think that it is a one man show right now, hard up for cash and trying to do anything they can to fleece people

Who wants nexium? Hook us up with some of them good drugs :lol:

I am silly tonight!

Does anyone have any more info on these guys. Any info would be very helpful. Thanks.