Hey guys.. before I sign off and start my four hours long drive to NV in the next 20 minutes, I just dropped in for a moment here and wanted to wish you all a happy weekend. I will return back on early Monday morning. I admit that I have not been on the board lately. Actually, I have a very important technical seminar coming up in the month of December and I am busy doing the preparations. This is important for me as my career will go up to the next level and there will be added credentials in my profile.

Maybe someone can explain to me why the fdcpa only applies to 3rd party collectors? I guess I don't see why there is a distinction between them and the "in-house" collectors at the original creditor. I, as well as some other posters on this forum, have had experiences with the original creditor that are as bad, or worse, than some CA's. I live in Florida, and from what I can figure, there are really no state laws that govern the original creditor when it comes to collection practices. I think harassment is harassment, whether it is at the hands of CA's or the original creditor.

I sent out my DV letters out and copies of Attorney General complaints and BBB to Arrowhead Investments. I received in the mail a letter stating that they sold my account to Icollect. and I must go through them to take care of it. They go on to say they "provided me with a copy original loan documents to show me they haven't violated Florida law." They say they advise I remove my complaint with BBB and attorney general and forward it to the collection agency. They go on to give me the contact # for Icollect who I have never heard from yet.

I got a letter from National Credit Adjusters today (resulting from defaulted Aarowhead Financial loan) This is what they sent "We're NCA and we get respect, your cash and your jewelry is what we expect". So I fired back "Now get ready, cause this ain't funny, my name's subsailor and I got no money". Okay, so it wasn't like that, I'm a Beastie boys fan, couldn't resist. Anyway, I'm asking them to validate. Anyone had any success with these guys concerning illegal loans?? I mean, how do they validate? BTW, Aarowhead originally told me it was going to AIS.

Now I have all my bill collectors ID'd so when they call I know who they are, anyhow in the past 2 days the number 111-1111 has shown up on my caller ID, any idea who these people are? Thanks

So, what's everyone do here for work? I mean ya dont' have to give ur co name or anything personal... just ur occupation. I work for a local builder as his admin assistant. I tweak the new house plans, get the job set up and ready to go, hire all subs, then supervise it as it goes along... plus all the paper work involved from beginning to end. We build custom homes in a gated community. I love my job! Ang

My snoozy dog says hi to yours, by the way. :)

Someone from Jackson Phillips call my 72 mom and said they were issuing a warrant for my arrest and left a number. I called it the next day. They said Wellsfargo was putting out a warrant for my arrest. This was a debt for a payday loan that I was not able to pay and my account was closed with me owing Wellsfargo money. I was scared and gave them my check card number. I Realized that something was not right and found out on internet they are being investigated in FL. Called Wellsfargo (DEbt) and they did not know who they were.

I took out a loan with Payday Yes (Claiming to be regulated in the State of Utah) for $300; on 5/18/2007 there were 4 rollovers per pay period beginning on the date of 5/31/2007 to 7/15/2007 of $90 equaling $360 Plus a pay down of $50 beginning on 7/31/2007 I paid - $50+90=$140, and on, 8/15/2007 - $50+75=$125 8/31/2007 - $50+60=$110 on 9/15/2007 $50+45=$95 was returned from my bank NSF to the lender. Needless to say they did not get a penny more from me after 9/15/2007. They charged $30 for a return fee, so as of now I owe $225.

Okay, we need a new Pub topic. It's slow tonight. So I'm asking "What are you doing?" I'm always curious to know what my friends are doing while they're on here. This way I can picture them (and my imagination is horrible) as I read. So... I'll start this game. (Yes, I'm bored) I'm sitting in my "computer room", which is actually a second bedroom, but for who? It's just me and my dogs. So it's my "computer room". Got my feet kicked up on a stool, sitting here at my 1,000 year old computer on it's last leg, drinking my usual iced tea, smoking my usual pack of cigarettes while I type.