Nationwide Cash or Ambassador Collections

Good luck with them. We have them in our plan with T&C and we are paying them off this month. You are correct she is very rude and doesn't want to deal with anyone. You can file complaints on them which may do some good but she's a trip. If I were you I definitely would not talk to her. When did you get the loan and how much have you paid them already?

I only owe them $50.00 and a $12.50 fee that is due next week. The original loan amount was $100.00. I have paid $162.50 in interest and $50.00 principal. I know that this is not very much, but I figured I would send a letter out to all of them. Well, had she called me and acted like a mature adult, I might have been willing to work with them. But since she acted like a complete idiot herself, now she has just made me want to pay them even less. Thanks for your help.

In New Mexico, you done even have to have any training to be a paralegal. Tell "Lynn" until she gets a REAL law degree, she need to keep her trap shut unless she actually knows what she is talking about. They are bound by the laws of the state the borrower resides in ,regardless of whether they have a physical presence in that state or not. Their disclosure probably says something to the effect to f you understand to be bound by the laws of New Mexico, blah, blah, but there is some debate if that is legally binding or not.

Unfortunately , the NMAG wont get involved in disputes with Payday lenders, so you should probably refer to your states attorney general as well as the agency responsible for licensing or regulation financial matters and businesses.

I defaulted on a loan with one time and they promptly sent it to a collections agency named ADCC. I have been speaking with Perry there and he seems to be very helpful with making payment arrangements that I can afford.

My account was not sent to collections, it was kept in-house, maybe because I am with T&C.

I have already filed a complaint with my Attorney General's office. And I was fairly quick to inform "Lynn" that being a paralegal was far from being a lawyer. I also informed her that even though I may not have a law degree myself, I am fairly well educated and quite capable of comprehending what I read. I will just wait and see how or if they respond to the complaint that I filed.

For some reason, my replies are coming through as "Guest". Anyway, so now I have received an email from Dennis @ "Langhorne Law" who proceeds to tout a bunch of cases to me citing them as reasons that Nationwide Cash is not subject to Arkansas state laws. He also states that he is "amused that you quoted, though failed to cite Zippo Manufacturing Company v. Zippo Dot Com, Inc., 952 F.Supp. 1119 (W.D.Pa 1997)." I informed him that I have filed a complaint with my Attorney General's office and they will let me know how to proceed regarding this matter. I also informed him that there is nothing even remotely amusing about being called at your place of employment and being verbally abused and yelled at over the phone, and that this was a very unprofessional way for a supervisor to conduct herself. Then I also informed him that I requested in my letter that they contact me strictly by email or US Postal Service, which they promptly ignored by calling me. I am finding this all pretty amusing, to tell you the truth.

Nationwide is one of the payday lenders I had loans with. My loan has not gone into default yet but it will since I closed my account. I have not dealt with them yet.

By the way they said they do not lend to self-employed or independent contractor but they did to me.

Here is the second email that I received from Dennis at Langhorne Law:

Kindly provide the attorney general with my contact information to expedite handling of your complaint. I look forward to reviewing it.

As for your demand that my client limit its communication to forms you find acceptable, your reliance on the Fair Debt Collection Practices Act is
misplaced. My client is not a collection agency or ???debt collector??? as defined under that act. It is a first-party creditor attempting to recover
its own account receivable. Therefore it is exempt from the fdcpa. See 15 USCS ?? 1692a subsections (4) and(6); Pollice v. National Tax Funding, L.P., 225 F.3d 379 (3d Cir. 2000); Aubert v. Am. Gen. Fin., 137 F.3d 976 (7th Cir. 1998); Dau v. Storm Lake Production Credit Assoc., 626 F. Supp. 862 (D. Iowa 1985).

Thank you.
Dennis Williams, Esq.

Is this guy honestly attempting to tell me that I can't request that I not be contacted at my place of employment? What gets me is that I owe them $50.00. Of the several payday loans that I have, this is the smallest one. Thus, I would have been more than willing to work with them on this. That is, until I received the phone call from Lynn. The other payday loan companies that I have sent letters to have all contacted me, via email as I have asked, and have been very professional and have explained that they are reviewing my account and will get back with me. That will certainly make me more willing to work with them.

I love their fancy "Letterhead!"

These are definitely not the most professional people in the world! What really gets me about this is that Lynn was immediately defensive and rude when she got on the phone. Why not try to work something out with me to pay this back, instead of immediately threatening to sue me? Is that $50.00 really that important? Don't get me wrong, I take responsibility for getting myself into this situation. However, I think that the payday loan lenders need to accept some responsibility too. They make it entirely too easy to get a loan. Not just one loan, but multiple loans. Why when you have 5 loans already out, is there a 6th, 7th and 8th lender out there willing to give you another one? And of all the payday loans that I have had, only ONE has called to verify my employment.

And I think "Dennis P. Williams" is a figment of someones imagination.Every time I called he was always "on the phone." And "Lynn" requested that I never Email them again.

I have also reported them to My States Attorney Generals Ofiice,as well as the BBB Southwest Office.

Makes you wonder how he has the time to send emails to you so quickly, seeing as how he is always on the phone. And I would have to tell Lynn that I would gladly never email them again, as long as she never calls my work and yells at me again!

Okay, I couldn't resist. I just tried to call "Dennis P. Williams" at the number indicated in the email that I received. A lady answered the phone, and when I asked to speak to Dennis her first response was "Dennis?". I replied, yes, Dennis P. Williams; is he in? "Um, I'm not sure". You are not sure if he is in? "No, I'm not sure if he is in right now". Can you put me through to his voicemail? "Can I help you"? Does he have a voicemail? "Umm, yes he has voicemail". Can you just put me through to his voicemail? "Uh, OK". Then I am put on hold for awhile, then amazingly enough an audix (or whatever that is)a voicemail picks up for Dennis P. Williams. I mean, if you are going to send out emails with someones name on it, at least make sure that the person answering the phone is aware of it!

I have had such a problem with Ambassador. i revoked authorization for them to debit my account, and they actually debited my account 7 times in one day!!! Lynn (whose title is a collections manager or something like that...far from having a legal title, which I find humorous) She threatened jail time for fraud, feed up to 1,000,000!!!! Little does she know, I am a paralegal....and Im not going to fall for it. I send the following letter to her. I was sooo mad at this company and the 800 dollars in NSF fees to my bank, that as far as im concerned, she can deal with the attorney general's offie. I won't call her. I will only respond via email....if i respond at all. I was so angry with them that i sat down and wrote a 10 page letter citing nothing but the illnois payday reform act. this is the response that i got.


You were aware of the intrested when you took the money from our office,You owe the balance of $700.00 which includes to finace charges of 120.00 ,the principle amt $400.00 and two return fees.We will sue you if this balance isnt paid.
sincerely
Liz Rolland
recoveries
nationwide cash fraud dept
877-711-1199 ext 149

A "paralegal" or anyone working in the legal profession knows that language is not appropriate. they will hear from me via the Illinois attorney general.

Here's all the information for Ambassador d/b/a Nationwide...from the Sec of State in NM
Quote:

Interesting. Nationwide is one of the PDLS I have. I contacted them this morning to get my account information. I still owe 200 dollars with an interest fee of 60 dollars. I asked them if there is an alternative method of payment since I closed my account and they will not be able to debit from it anymore. The lady "Heather" stated she would give me a courtesy date of May 26th (my due date is 5/25) to have funds in the account. I again pointed out I do NOT have the account anymore so there is no need for the courtesy date. Then she went on to say there was nothing she could do. Once the ACH comes back unpaid, the recoveries department will contact me for the payment arrangement. I suggested to her, in order to speed things up and save time, to revoke the ACH debits and put me in contact with recoveries dept now. She got upset and said she could not do that. Oh....okay! I told her since I informed her of my bank account being closed before th debit was to happen and asked for the alternative method of payment that I should not be charged the NSF fees.

As for harrassment, I am not worried. I am self employed and the work number provided was to my special AIM relay services (relay operator thats paid by government. The operator receives the call and types the converstation. I type the converstation back and she or he verbalizes for me. I use the service because I am deaf ). We will see how it goes.

Just thought I would post "Dennis P. Williams" reply when I had enough nerve to email him for REAL contact information, due to the fact that everytime I call his office I get someone who doesn't seem to know who he is or they tell me I need to talk to a paralegal.

A few responses . . .

1) Langhorne Law does not advertise or register with the BBB because it serves selected clients in the payday loan industry rather than the public at large. My clients have my number and I provide it to others as needed . . . just as I did when I gave you the contact information to which you refer.

2) You've been directed to a paralegal because most of the people who call the main number do not need to speak to me directly. My clients usually call me on my cell phone. The paralegals handle most of the phone traffic and pass along only those calls that require my personal involvement. Generally, this does not include my client's collection matters.

3) I highly doubt that anyone told you they didn't know I work here . . . especially given that I own the firm and sign the checks. More likely, my receptionist was screening the calls and you found her responses unsatisfactory.

You are free to verify my corporate status with the Pennsylvania Department of State and/or my license to practice law with the Pennsylvania Disciplinary Review Board. (Attorney ID #75408). I believe both
agencies list the above street address and telephone number.

Will this suffice? Or would you like my resume and a copy of my lease?

And my reply to Dennis:

Basically, word for word, my conversation with your
receptionist went like this: May I speak to Dennis
please? Her response was "Dennis?". I replied, yes,
Dennis P. Williams; does he work there? "Oh, yes, he
is one of our lawyers on staff. Can I speak to him?
"Um, I'm not sure if he is in". You are not sure if he
is in? "No, I'm not sure if he is in right now". Can
you put me through to his voicemail? "Can I help you"?
Does he have a voicemail? "Umm, yes he has voicemail".
Can you just put me through to his voicemail? "Uh,
OK". Then I am put on hold for quite some time before
being forwarded to a voicemail.

It has nothing to do with me finding her responses
unsatisfactory, it has to do with the fact that she
honestly seem surprised that I was calling and asking
for Dennis. And if you are the person sending me an
email regarding collection on an account, I expect to
be able to speak to you, not a paralegal. You felt it
important enough that you send me the email, then I
expect it to be important enough that I or my
representative can actually get through to talk to
you.

As for a copy of your resume and lease, that will be
determined by the Attorney General's office, however I
find it very unprofessional for you to make an offhand
comment like that. I am simply trying to protect my
rights, and whether you agree with what my rights are
or not, I have the right to protect them. The fact
that Lynn at Nationwide Cash, and your firm have
responded to me in the manner that you have does
nothing to help resolve the situation. I was verbally
attacked and threatened by Lynn, there was never any
attempt on her part to be professional and mature
about the situation. Also, for some reason, you seem
to think that the situation warrants childish remarks
like the one referred to above.

Any conversation I ever had with Lynne at Nationwide Cash seemed very unprofessional on her part. She acted
very immature.They only gave me their address when I
CC'd all my faxes to my states AG. Actually that's when they stopped calling me as well. They handled everything
by way of email. I will be seeing them in court however.

I have contacted my AG's office as well. Lynne is certainly not professional at all, and "Langhorne Law" isn't much better.

One question: Dennis P. Williams from Langhorne Law stated in his email to me that they were not registered with the BBB because they worked only with payday lenders, not the public. Even if you are not registered with the BBB, shouldn't your business information still pull up?

Who is this Lynn? I am dealing with Nationwide....they refused my revocation of ACH debit. I informed them I closed my account and would like to make a payment arrangement. They said I have to wait until the ACH comes back unpaid then they will send me to recoveries department. It doesnt make sense to me.....why bother debiting the closed account and put me in contact with recoveries department NOW to arrange payments? Seems odd to me.

Lynn is some kind of a "supervisor" at Nationwide; as well as a "paralegal" as she informed me. I assume she was hoping to intimidate me by throwing that out there. She is very rude, when she called me after I faxed them the letter asking for my account to be marked "paid in full", she immediately started yelling and threatening to sue me. I have paid $212.50 on a $100.00 loan, and this amount is well over the 10% interest allowed in my state.

May I ask what state do you live in? I'm from Indiana.

Kwesternman, I was doing a research and found this very useful information. You can use this if they demand that you are required to comply by their state jursdiction and refuse to comply by your state usury/credit laws. Quote:

I live in Arkansas.

The real kicker when Lynne called me what her informing me that they did not solicit my business, I came to them. We all know that payday lenders don't solicit business, right? I only get like 50 emails a day offering me money, OVERNIGHT!

The funny thing about that is that when Dennis at "Langhorne Law" contacted me on Nationwide's behalf, he quoted Zippo to prove to me that he did not have to comply with Arkansas law. Obviously, he comprehends it completely different than I do.

LOL! How the heck did Dennis get his attorney license if he lacks reading comphrension? ;)

Actually, that was how I found Nationwide. They sent an email to me solicting business and I stupidly went for it.

In my opinion, advertising on the internet IS soliciting. You are advertising hoping to get the business.

Lately, there have been quite a few of these payday lenders that will no longer loan in Arkansas, some of which I have used before (including Quik Payday). Obviously, they know they are violating the laws here or they would still be lending here.

Actually, Quik Payday supposedly quit lending completely (supposedly, I know they are lending under another name). Payday OK is who I meant, as of April 4, 2006 they no longer lend in Arkansas.

Quik Payday no longer do business with Indiana consumers too. Yes, I agree with you. They knew they were violating the laws.

I am greatly amused by this Lynn and Dennis characters. I know I will be dealing with them eventually. I will send in a payment and a letter outlining the payment arrangment I can afford through the certified mail. And go from there.

That's interesting. PayDay Ok is one of the companies I have. PayDay Ok so far have been nice and cooperative.

I think they are depending on the fact that I'm too stupid to know what's going on. I admit, I was stupid to ever get these loans, but now, thanks to finding this forum I am no longer so stupid as to fall for their tactics. I am really glad that I found this forum. At least it makes me feel better to know that I am not the only one in the world to fall into the payday lender trap. They make it entirely too easy to get these loans, and I can't understand how they can allow you to get so many of them at one time. I accept my responsibility, but they need to accept their's also. I have paid well over what I borrowed + the 10% interest allowed in Arkansas on every loan that I have. I am not going to continue to hand money over to them.

I totally know what you are saying. I thought I was the only dumb fool ever to fall into the cycle of payday loans. I was berating myself as how stupid could I have been with money until I came across this forum. What a difference knowledge makes!

Hello, does anyone out there know how to get in touch with this co. Please help me, thanks. Feel free to emai info

email address removed as per forum rules - Mike

Dean, I am not sure if this is the one you are looking for. I found this address in the BBB

AMBASSADOR COLLECTION
1133 Broadway
New York, NY 10010
Phone Number: (212) 675-3680

I too have been dealing with this company. They threaten to send me to jail, etc. They even went as far as to debit an account of mine at another bank other than the one originally (which is frozen) used in my loan deal. When I asked where I could send payment to they told me they do not accept any mail in payment or western union. Only ACH. I find it strange that they don't want their money.

Does anyone know how I can find out the law in my State in regard to payday loans (I live in MD)

They have an address. They can't arrest you or charge you with wire fraud!

Go to the arbitration forum and file a complaint,it will cost 75.00.Then have Nationwide Cash pick up the tab. Do not settle for a "Paid in Full" letter as others may suggest.

Bring them to justice!

BTY here is Nationwide Cash/Ambassador Financial Services address.

Ambassador Financial Services d/b/a Nationwide Cash
314 North Riverside Drive
Espanola, NM 87532


They will accept payment at this address. I would suggest sending it in a fashion that they would have to sign for the delivery.

Okay I got my first response this weekend. Dennis Williams from Nationwide/Ambassador sent me this 3 page letter outlining how the company is licensed in New Mexico and that Ohio law doesn't apply, and that just because I'm in Ohio that doesn't mean anything. He wants to settle for $180.00. I took out a $150.00 loan and have paid $90.00 in interest. I wish I could scan the letter it's so funny. Also the address says New Mexico but when I looked at the stamp from the post office, it says New Jersey!

Hello ya'll. I just dealt with these A Holes on the phone. A month ago I paid off my 100.00 loan that I had since this past Feb. I had to call them today because my bank sent back their unauthorized check in the amount of 50.00 this past Friday. I called the F ers up and they tried to tell me I still owed them money. And I was like ah Heck Na--I let them know that when I called last month to pay off the loan I was given a total and was told that I would have no other monies due. Also, the guy MR Schonfeld or something like that said that I never answered emails (which I did not receive) and was berating me for having the loan since February......oh I was losing my cool fast and I told him this whole thing is a scam and that I was going to call my lawyer....oh boy that must have made him a bit nervous because his "supervisor" got on the phone and he must know that they are screwin folks over illegitmately because he said my account was clear and I owed nothing....hmmm....funny how that happens when you threaten to get the law involved. My advice to those of you who deal with this filthy organization is not to get started with them in the first place. I am going to close my bank account so they can't touch it any longer. I won't be opening up a new one either!!
And if you do talk with them....tell them I said "Hey liars!" And that I hope they enjoy their time in jail when they get caught stealing from hard workin folks!!
Peace out from Kentucky!! :) Take care all!!

hi i just got hurt at work and they keep taking money out how do i get a number to call them

Ambassador Collections dba Nationwide Cash
314 North Riverside Dr.
Espanola, NM 87532
Phone #866-808-0936
Fax #866-808-7187

The funny thing to me is that when you pull up their information on the BBB site, it lists Dennis Williams as the contact at the above phone number. According to emails that I have received from him, he is the owner of the Langhorne Law firm! Maybe he decided he could make more money doing payday loans!

Does anyone have a telephone or fax number for these guys. I have paid the loan pay and well over. Need to get in touch with them to let them know not to deduct anymore money from my checking account.

Does anyone have a telephone or fax number for these guys. I have paid the loan pay and well over. Need to get in touch with them to let them know not to deduct anymore money from my checking account.

cbenson

See the post above your comment. The address and phone number of Ambassador Collections is given above.

anyone know how to get in touch w/ ambassador? number I have is not valid

Ambassador Collections dba Nationwide Cash
314 North Riverside Dr.
Espanola, NM 87532
Phone #866-808-0936
Fax #866-808-7187