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Has anyone see unvl/citi on their credit report? If so does anyone know what credit card company this is?

If I wanted to petition to my government to make payday lending completely illegal in my state, to whom would I need to speak? I live in KY, so internet payday lending is already illegal--but I think states should take it a step further.

I need to send a letter to quickclickloans, a certified on asking them for a copy of my signed contract. Do you have any sample letters for this? I asked them through an email and they told me to go online to find it but I cannot find it anywhere. I want to write the letter correctly.

I get calls from them constantly. I haven't spoken with them, but they always leave a message about an "exciting oppotunity" with them. Are they affiliated with another card company? I have a couple of very small charged-off credit cards, and I'm wondering if it is some type of CA calling.

the new payday loan? i read it in the paper this morning and it turned my stomach :?

I have a medical account that NCB is trying to collect on. The bill is 2 years old and I just started getting calls from NCB, nothing in the mail, just calls. I'm guessing they bought the account from from the previous collector who did not try very hard to collect. Would it be worth the effort to offer them 50% as SIF? Should I hold my ground and try to get a lower payoff? Yes I owe the amount they are asking for BUT I'm guessing they paid much less then I owe on it. I have not paid this bill out of anger. It is for a blood test that cost $67. at one hospital and close to $600.

I know there are many people who call me an idiot and stupid and etc because of what I post about the laws of Pennsylvania. It's recently come to my attention that a recent user here didn't like my advice and is now bashing me because of it. Besides having emails from the guy in charge of regulating these companies for PA saying it's the truth, it's also posted on PA's website. So - I'm posting the letter posted on the Pennsylvania Dept of Banking's website.

Many beautiful wishes to you today! :D

My mother is received call from john p frye lawyer, these are the rudest people i have ever seen. They want full payment now and will not accept payments, where i have been reading where other people are making payments. Are there laws that these people have to be at least nice to people and not treat them like they are thiefs. Please help

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