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Quick Pay LLC

Date: Tue, 05/16/2006 - 12:20

Submitted by bkarels
on Tue, 05/16/2006 - 12:20

Posts: 41 Credits: [Donate]

Total Replies: 54


Can any one explain to me what Litigation Action means? I have been trying to pay these people and told them I was putting a stop payment on any ACH debits because I disagree with the amount they say I owe. Today I received an email from them saying it is in Ligitation Action. Please help.


The payday lender is offering you an agreement to settle the matter outside the court. If the problem is not resolved, the matter will be taken to the court and the judge will make the final decisions. The period before the matter takes a court hearing is called as litigation.

Put a dispute on the item you disagree with the lender. Ask them for verification so that accurate details come out to you. Send your request in writing through certified mail because if it reaches the court, you will have to prove your case in front of the jury.


lrhall41

Submitted by Gretchin on Tue, 05/16/2006 - 12:46

( Posts: 482 | Credits: )


I just talked with someone in their office and set up a payment for May 18. However, I believe I am being overcharged because my loan was for $300 plue $105.00 finance charge. They have received finance charges totaling $347.50 on 3 different debits plus $290 which is what I was told I owed. Now today they are saying I still owe them $480.00 in finance charges.
Can they charge me that much in finance charges?


lrhall41

Submitted by bkarels on Tue, 05/16/2006 - 13:04

( Posts: 41 | Credits: )


Hi bkarels

You should not pay so much of interest charges for only one loan amount. Get a breakdown of the payments made on this account in the past. Review it before you make any further payment. The state laws have permissible interest rates and you might have paid the charges.


lrhall41

Submitted by john on Tue, 05/16/2006 - 14:04

( Posts: 1231 | Credits: )


I have copies of my bank statements with each debit. When I faxed them a letter stating that I have paid these amounts totaling $637.50, I was told $347.50 was finance charges including a $30.00 NSF debit and $290.00 was my loan amount. Now they are saying I owe another $480.00 in finance charges and Stop payment charges. I was told that finance charges continue to accrue until I send them total amount due which is now $480.00.
They told me today if I do not send them $125.00 Thursday, they are sending my account to Ligitation and take action. I believe I have overpaid them since my orginal account was for $300.00 plus $105.00 finance charges.

Their agreement states: you will accrue new finance charges with every refinance of this loan. After the fourth refinance, your loan will be down by $50 plus the finance charge and will continue until the loan is paid in full. These are governed by Delaware Law except where federal laws may apply.

Can you shed any light on this?


lrhall41

Submitted by on Tue, 05/16/2006 - 14:26

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The company is giving you two options. Either you pay the full amount now or you refinance the loan. At the fourth refinance, you will get some discounts governed under the Delaware laws.

I don't find myself fit in any of the options. Because, the loan has already been paid back with the legal charges, so there is no point to refinance it further.

Place a dispute in writing showing your breakdown of the payments. Send your request in writing through certified mail. If the matter reaches the court, you will have your explanation prepared in front of the judge.


lrhall41

Submitted by john on Tue, 05/16/2006 - 14:35

( Posts: 1231 | Credits: )


John-
Since they are requesting that I send them a payment on May 18 and I am to call with a MO receipt number, should I call them and tell them I will not be sending any payments and that I am disputing the amount owed with documents being sent registered mail? I already faxed Rose Johnson, Collections Dept copies of my bank statements with a cover letter stating the amounts I have paid. She said the amount that is now due, is because it wasn't paid off on the due date so these charges are refinancing charges.


lrhall41

Submitted by bkarels on Wed, 05/17/2006 - 08:59

( Posts: 41 | Credits: )


bkarels

Thinking positive, the judge will review your case and put you in the winning side. The court date will be fixed in your area, not in the lender's area. Do you have the contract from the company in paper? I will surely look out for the points that mentions the refinance charges will continue until the loan is paid back.


lrhall41

Submitted by john on Wed, 05/17/2006 - 13:34

( Posts: 1231 | Credits: )


I agreed to 2 refinance options. I was told on March 28 I needed to send them $240.00 and another $300.00 on March 31.

I faxed them a letter outlining what I have paid so far which was $647.50.

The notice for ligitation states that I am responsible for any costs they occur including court costs and attorneys' fees in seeking payment. I can't afford all those fees. I just want to know how they can charge me $1127.50 for a $300.00 loan.


lrhall41

Submitted by on Wed, 05/17/2006 - 15:14

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I have been talking with a lady named Rose Johnson in Collections and I faxed her my bank statements showing I have already paid $647.50 for a $300 loan. She continues to tell me that I still owe $480 for finance charges because the loan was not paid in full on the due date.
I would like to know if there is a standard letter I can send her; like the ones I've been reading where some people have received refunds for overpayments?
My contract talks about abitration all disputes through NAF but I didn't understand their website because they talk to legal for me. Is that who I should contact if I disagree with the amount they say I owe and send a letter to Collections letting them know that is what I am doing?

Please advise. Anything besides having them take litigation action against me.


lrhall41

Submitted by bkarels on Fri, 05/19/2006 - 14:46

( Posts: 41 | Credits: )


Proper facts are required before putting up a legal case. The company will have to prove in the court with proper details. If they can do it, they can send it to you in writing also, which has not been done in your case yet. You can do the same thing for yourself also. Show your proof of the bank statements and all other details that has been done towards the accounts. If the company fails to put up at the court, the judge will take actions against them for misrepresenting your accounts.

Meanwhile you can go through the books section in this website and pick up the standard letter as per your situation. Cover your basis and keep everything documented in your file for records.


lrhall41

Submitted by john on Sat, 05/20/2006 - 12:13

( Posts: 1231 | Credits: )


I talked with Rose Johnson Monday and told her I would send a payment in on Friday May 26. In the meantime, I am checking with our Attorney General's Office to see if they can charge me $712.50 in finance charges.
Well, today I received an email from GRP Trial Law Assoc who they have sent my file to. Their email states that they are willing to do a settlement and if I do not call them, they are taking my claim to ligitations which could incur attorney and court costs. It is in my best interest if I contact them to set up a settlement and payment arrangements.
I am going to call them and explain how much I have already paid and that I don't believe I owe the $480.00 they are saying I owe. When I contacted them around March 22, a lady I talked to told me all I owed was $290.00. Since then they have taken out the $290.00 plus $137.50 from my account so I put a stop payment on any transactions they try to make. They were not happy with that and that is why this fight is on.

Please advise if you know of any laws or which laws I should be looking into regarding the finance charge.


lrhall41

Submitted by bkarels on Tue, 05/23/2006 - 13:43

( Posts: 41 | Credits: )


Hi bkarels

You should get in touch with the Department of Finance and know the permissible interest rates and charges in your state. Besides, you can also get useful information in the links below that show the permissible charges as per each state.

http://legis.wisconsin.gov/lrb/pubs/wb/00wb7.pdf

https://www.ftc.gov/reports/fair-debt-collection-practices-act-federal-trade-commission-annual-report-2006-types

http://hffo.cuna.org/download/1168.pdf?&sub_id=14490


lrhall41

Submitted by john on Tue, 05/23/2006 - 13:59

( Posts: 1231 | Credits: )


Thanks John. That is helpful. I'm in Minnesota so I will contact the Dept of Finance and see what they tell me. After looking at the links, it looks to me like they can only charge 6% for a $300 loan and I already paid them way over that. Plus it stated that Minnesota does not allow rollovers. Does that mean if I didn't pay my loan on the due date, they can not charge me a finance charge every 2 weeks;which is what they have done. The $480 if finance charges because it was not paid off on March 31 because I told on March 28 not to do a debit because I was sending the full payment of $290.00 off and I was told it was too late to stop it. So they added finance charges since then adding up to $480.00.


lrhall41

Submitted by bkarels on Tue, 05/23/2006 - 14:20

( Posts: 41 | Credits: )


Answer to your question about GRP Trial Law Associates. This is a summary of the email I received.
This letter and email message serves as notification concerning your claim. Contacting our office to remedy the situation may prove to be a wise move.
This claim has been turned over to our office for collections. I want to let you know that Executive4 Credit Bureau, Inc intends to pursue this cliam and reserve the right to reprot this matter to the TRW Credit Bureau, as well as pusue other remedies. The process of litigation has not yet been instituted and if it happens, it will be pursued through a local attorney in accordance with state statutes. Talks about a judgment and charges I could be responsible for.
I fully realize that you may contest the merits of this claim. Certainly, it is not my intent to threaten or alarm you about this matter.
Sincerely,
GRP Associates

No name is given. The sad thing is at the top of the email it states: Numerous attempts made to reach you on this matter. I have been working with Rose Johnson, Collections Department, QuickPay just yesterday and set up a payment to be made on Friday.


lrhall41

Submitted by bkarels on Tue, 05/23/2006 - 14:33

( Posts: 41 | Credits: )


Forgot to tell you. At the sent from in my email it says: JPQuickPay(jpquickpay@verizon.net)
That's the same people who have been sending me emails saying my account is going to Litigations.
Here's the phone number for GRP 866.245.9078. Do you think I should call them and see what they have to say? Or should I tell them I am contacting my Attorney General's Office?


lrhall41

Submitted by bkarels on Tue, 05/23/2006 - 14:38

( Posts: 41 | Credits: )


Can someone tell me what company this number belongs to? 800.806.3265 I have had two messages to call it and I don't know who it is. I also received an email from GRP Associates stating that a settlement is in the best interest for me and that I should call them. Do you think I should call them to see what settlement they are offering? I'm trying to find out what Minnesota Laws constitute how much a payday loan can charge in finance fees but haven't been able to find anything yet. My next approach is to contact my AG Office and see if someone there can assist me with the laws.


lrhall41

Submitted by bkarels on Fri, 05/26/2006 - 09:26

( Posts: 41 | Credits: )


bkarels

You must call the company and know more about the offer. I will also check if the company is making a genuine collection for the said debt. Get something in writing about this debt. There should be a complete written proof of this settlement offer along with the update in your credit file after the account is paid off.

These links will also be helpful in understanding the laws in your state.

http://hffo.cuna.org/download/1168.pdf?&sub_id=14490

http://legis.wisconsin.gov/lrb/pubs/wb/00wb7.pdf


lrhall41

Submitted by Justme on Fri, 05/26/2006 - 14:17

( Posts: 479 | Credits: )


John-
I received a phone call from Quick Pay LLC yesterday and was told by Amanda that they would drop 2 $30.00 late fees so my amount now is $420.00. I told her I would let her know what I decide to do. I keep receiving an email from GRP Trial Law Associates; whom I now know is part of QuickPay LLC because the phone number is the same number I am suppose to contact Rose Johnson at. I have faxed her a break down of my payments but she still is sending me emails from GRP Trial Law about taking it to Ligitations. I am going to outline my payments and send it to them CRR stating I feel my account has been paid in full.
Do you think that would be the right thing to do for now?


lrhall41

Submitted by bkarels on Wed, 06/14/2006 - 13:27

( Posts: 41 | Credits: )


bkarels, besides threats of litigation, is GRP Trial Law offering you any payment options? If yes, does that match with the proposal put by their other name, Quick Pay LLC?? Try getting a 'paid in full' letter from the company by all means. Keep in touch with them so that you are aware of their moves.


lrhall41

Submitted by john on Wed, 06/14/2006 - 13:39

( Posts: 1231 | Credits: )


John, No GRP or Quick Pay LLC will offer payment options. I have asked for a settlement offer and the only one I have received was for $420.00. They dropped $60.00 for 2 NSF because I put a stop ACH from them.

All that I have received from them every day is an email that states this letter and email serves as notification concerning your Claim. Certainly, it is not my intent to threat or alarm you about this matter. It is pretty hard to ask someone about this email as the only signature is GRP Associates.

I will send them a CRR letter outlining what I have paid and that I believe my account has been paid in full. I have paid them $647.50 for a $200.00 loan.

Do you know who Executive Credit, Inc is because the letter-email states they are going to contact TRW Bureau and pursue other remedies.


lrhall41

Submitted by bkarels on Wed, 06/14/2006 - 14:09

( Posts: 41 | Credits: )


John, are you out there? I sent you a reply and am waiting for some advice. Or if someone else can answer my questions I would appreciate it.
Thank you.


lrhall41

Submitted by bkarels on Wed, 06/21/2006 - 07:48

( Posts: 41 | Credits: )


bkarels, do you have an attorney? It seems that you have paid enough towards the loan account and the company is trying to get more from you. The company must give you a statement whenever you request for it. They cannot deny giving you the latest copy of your statement for review. This statement will make everything clear that they are trying to add invalid charges. You should consult an attorney for a better approach.


lrhall41

Submitted by Gretchin on Wed, 06/21/2006 - 15:10

( Posts: 482 | Credits: )


Thanks for the information Gretchin but I don't have the money for an attorney. I did look into the link above that JustMe sent me for Minnesota laws. Our laws states Maximum Loan Amounts and Fees for Minnesota are 7%(min.$10) +$5.00; Fees on $200 Loan is 33%. Rollovers are not permitted. Enforcement and Penalties are CV;CR which is civil fines, Cease and Desist Order and criminal.
If I'm reading this right, that means they can only charge me 33% so they have taken $257.50 more than they should have and now they are trying to get another $480.00.
I received another GRP Law Associates email today and now that I have my information, I'm going to send them a cease and desist letter.
Hopefully they will stop bothering me and I am also going to pursue getting a refund.
Let me know if I'm understanding our laws that way they were in the link above.


lrhall41

Submitted by bkarels on Mon, 06/26/2006 - 13:15

( Posts: 41 | Credits: )


Yes, if you are using your state laws to pay back the loan amount, no company can force you legal actions. You must do your correspondences in writing with the company and make them updated. This will leave a written track of your moves and sufficient proof will be available in case of disputes.


lrhall41

Submitted by GunsNroses on Mon, 06/26/2006 - 14:40

( Posts: 485 | Credits: )


Can any one let me know if the information that I found above regarding Minnesota Laws cover my PDL from QuickPay LLC? I am sending them a letter with the information; if I understand it correctly;along with another outline of all the debits they have taken from my checking account. Which if I am reading the laws correctly; they have taken $257.50 that they shouldn't have and I should be entitled to a refund.

Please advise before I send them a CRR letter.


lrhall41

Submitted by on Tue, 07/11/2006 - 14:14

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Can someone transfer the above message and points into my account? I forgot to enter my name so you know the message is from me.

Thanks


lrhall41

Submitted by bkarels on Tue, 07/11/2006 - 14:20

( Posts: 41 | Credits: )


Please see my earlier reply above. Those are the State of Minnesota Laws outlined for Short Term Loans, Payday Loans for Minnesota. I believe what I have already paid QuickPay should have been enough that my loan should be paid in full.

I have sent them an email letter outlining what I have paid and believe I have paid it in full according to Minnesota Laws 47.60 that I also included in my email.

Today, I have received another email from GRP Law Associates and this is what it said:
Your BBB claim states that you want to make an arrangement, yet you do not respond to our attempted contacts to make a settlement on this Claim.
Litigations have received this Claim and they will contact you for nonpayment processing. You have made 0 attempts to repay or contact us in regards to this debt. The debt owed will show up on your credit report score.

I have sent them 2 faxes as requested by Rose Johnson from this office with outlines of what I have already paid.
The latest fax on July 21 was asking them not to contact me at work because it is too hard to get a hold of me. I have not heard from them since except this latest Litigation email.

Can someone shed some light on this? I need to know where to go from here. They will not send me a breakdown of my payments as I have asked for. Can they report this on my credit score or that another threat tactic like the other ones they have sent me.


lrhall41

Submitted by bkarels on Mon, 07/31/2006 - 13:51

( Posts: 41 | Credits: )


Hey, I just wanted to give you a little insight. Quick payday LLC was sued in the state of Colorado and had to pay back over 2 million . Contact your Attorney Generals office . You have paid to much for this loan. Check your interest rates in your state. You did the right thing by signing on this forum you are not alone. KYSIDE38


lrhall41

Submitted by KYSIDE38 on Mon, 07/31/2006 - 14:30

( Posts: 2477 | Credits: )


Thanks for the information kyside38. I will contact them first thing tomorrow. I also filled out a complaint with the BBB in Pennsylvania last week and that is why I received an email stating that but won't return any calls to make a settlement payment. They almost got me when I received the email from GRP Law Associates until I remembered this forum and starting asking questions here and received some very qood advice.


lrhall41

Submitted by on Mon, 07/31/2006 - 14:37

( Posts: | Credits: )


I did it again. I sent me message above to kyside38 and forgot to put my name on it so now the points are listed as Guest.

Is there any way they can be added to my account? I believe I did it on the previous pages too. When I want to reply to someone, I shouldn't be putting my name on the Subject Line, right? That is what I've been doing and not knowing until after I sent it.

Thanks for your help if you can move them to my account and I will be better at it from now on.


lrhall41

Submitted by on Mon, 07/31/2006 - 14:43

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Guest, you need to log in as a member here and then only, the points you earn while making the posts will accumulate in your forum account. The points earned by guest are put by default and these points cannot be redeemed. You have to log in as a member. If you haven't signed up yet, please fill up the short registration form at the homepage.


lrhall41

Submitted by GunsNroses on Mon, 07/31/2006 - 14:52

( Posts: 485 | Credits: )


I am a member and that last two entries above listed by Guest is actually me answering a response from kyside38. If the points are being defaulted, why can't they be transferred to my account since they actually is me but I forgot to enter my name.


lrhall41

Submitted by on Mon, 07/31/2006 - 14:59

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I am a member. The 3 Guest replies above are from me and each time I did a quick reply it put in the word Guest instead of bkarels. Those 300 debt points should be adjusted into my account. I don't know what I am doing wrong because I thought if I put bkarels in the subject line; then my message; my name would show up.

Please let me know what I am doing wrong.


lrhall41

Submitted by bkarels on Mon, 07/31/2006 - 15:06

( Posts: 41 | Credits: )


Actually, after looking through these 3 pages regarding QuickPay LLC, you will see that all the replies that are from Guest; are actually from bkarels and for some reason, my name is not being listed.


lrhall41

Submitted by bkarels on Mon, 07/31/2006 - 15:07

( Posts: 41 | Credits: )


Can someone help me find the mailing address for QuickPay LLC? All I have is a PO Box and they won't give me a street address so I can send them a CRR letter. Thanks


lrhall41

Submitted by bkarels on Mon, 08/14/2006 - 09:38

( Posts: 41 | Credits: )


Here is the address Quik Payday 42 East 400 North #327 Logan Ut 84321. Hope this helps you also need to be aware they were sued by the state of Colorado and had to issue a lot of refunds. Good Luck KYSIDE38


lrhall41

Submitted by KYSIDE38 on Sat, 08/19/2006 - 16:42

( Posts: 2477 | Credits: )


Thanks kyside38 for the address except it is not the right one. I'm looking for Quick Pay LLC located in Wilmington DE not Utah. I've tried to do a google search and I only get a PO Box #. Our post office needs a street address before I can send a CRR to them.


lrhall41

Submitted by bkarels on Tue, 08/22/2006 - 12:10

( Posts: 41 | Credits: )


Sorry I have not heard of that one the only one I know in Wilmington is Apple Fast Cash. Kyside38


lrhall41

Submitted by KYSIDE38 on Tue, 08/22/2006 - 12:14

( Posts: 2477 | Credits: )


Thanks anyways kyside38. I'll try and see if I can find their main address somehow. I tried calling them but they start asking me questions, so I tell them never mind I'll get it another way.


lrhall41

Submitted by bkarels on Thu, 08/24/2006 - 09:26

( Posts: 41 | Credits: )


I need some help very soon and don't know what to do now. I just received an email from Quick Pay LLC today stating that they have reported my past due account to the Credit Bureaus and as well as outside collection agencies. I reported them to the Delaware BBB and told the BBB that my settlement offer was that the account should be paid in full because I have already paid $647.50 on a $300 loan. The BBB supposely stated that Quick Pay should work directly with me to settle this. I will be contacting them for a report to that matter.

I have been trying to get a street address so I can send them a CRR letter but they refuse to give it to me.

Please help with any information you can provide me. I do not want this on my credit report.

Thank you


lrhall41

Submitted by bkarels on Fri, 08/25/2006 - 10:13

( Posts: 41 | Credits: )


bkarels , was it just a threat to you from the company? Monitor your credit report closely. I know most PDL companies don't report to the CRAs. Since you have already paid $647.50 on a $300 loan, the loan company must confirm first confirm how much you owe more. Take help of an attorney in case you find this situation tough to handle.


lrhall41

Submitted by Christina on Fri, 08/25/2006 - 13:54

( Posts: 438 | Credits: )


bkarels, Are you sure they are in deleware and not Utah? I have not heard of them. Put a post on here and see if anybody has heard of them. KYSIDE38


lrhall41

Submitted by KYSIDE38 on Fri, 08/25/2006 - 19:36

( Posts: 2477 | Credits: )


Here is the complete address and phone number they gave me:

Quick Pay LLC
PO Box 7102
Wilmington, DE 19803
800.761.4855

and their email address is different:

QuickPay LLC Collections
3466 Progress Drive
Suite 114
Bensalem, PA 19020
800.781.4855

Now that they sent me their street address in Pennsylvania, I'm going to send the cease letter CRR to that address and see what happens.

As far as most PDL's not reporting to the credit bureaus, I received mine from TransUnion and ameriloan is listed that I owe $153.00 from 1 1/2 years ago. I did receive a call from a CA about 8 months ago and told them that I paid that off and to send me a copy of my statement but to this day I have never received one. At the time, I didn't write down the name of the CA because the gentleman I talked to said he would send it to me. I guess I will have to contact AmeriLoan to get the information.

I did learn a very important thing. Never again will I take out a payday loan no matter what the circumstances are.


lrhall41

Submitted by bkarels on Mon, 08/28/2006 - 09:45

( Posts: 41 | Credits: )