Xpress Cash/PD6 Ventures

I just received the same email from PD6 Ventures...after they had been put on my plan with T&C...they are now trying to email me back with "we are over the internet so laws don't apply to us crap" I wish I had proof of specific "operating over the internet" laws I could send to her...anyone have any?

Check out the emails, JUST FROM TODAY from these people:

[quote]I am trying to be cordial here. I would appreciate the same. Also, I may have engaged in business with an illegal corporation such as yours without doing research, but I was trapped. At least I have a college degree, and I am educated. It makes me so sad that companies such as the one you work for finds it necessary to hire uneducated people such as yourself. I have always been taught that when doing any kind of business with anyone, to speak in a grammatically correct, respectful manner, no matter the circumstances. Please conduct yourself in a respectful manner, as I have tried to. I will be momentarily forwarding you the laws pertaining to Internet lenders, such as your company, and demonstrate that the laws you are breaking are not only State of Texas laws, but Federal laws as well.

Thank you,
Traci Canales

Heather Lawson wrote:
Ma'am pay your loan. You didn't care about your state law when you was taking money from us. Maybe you should do some research about people like you that take money from companies like mine then go finding laws and trying to make them work for them so they can get away with stealing, but ma'am your wrong....... PLEASE DON'T WASTE MY TIME WITH YOUR EXCUSES ABOUT WHY YOUR NOT PAYING..
-----Original Message-----
From: Traci Marie Canales [mailto:tracic08@yahoo.com]
Sent: Friday, May 05, 2006 8:57 AM
To: Heather Lawson
Subject: RE: Account Status


From the previous email sent:

Your company's claim that the contract I signed is solely governed by the law of the state in which your company is physically located, is unsubstantiated. There is specific federal case law which trumps this claim. Your company consciously solicited, accepted, and transacted business with a citizen of the State of Texas. Therefore, you are subject to the laws of Texas ??? including usury, interest rate caps, and licensing requirements.


Heather Lawson wrote: We are not in your STATE.... you got the pay day loan on the internet that DOES NOT FALL UNDER YOUR STATE LAWS. Its to bad you didn't do all this research before you took the loan out with us but I guess the law in your state didn't matter to you when you took the money from us, only when it came time to pay us..........
-----Original Message-----
From: Traci Marie Canales [mailto:tracic08@yahoo.com]
Sent: Friday, May 05, 2006 8:37 AM
To: Heather Lawson
Subject: Fwd: Account Status


Since January 31, 2006, which is as far back as I have my bank records, I have paid your company a total of $180.00 in fees. Because your fee amounts exceed the legal limit in my state, and probably in the state where you operate, and because you are not lisenced to do business in my state, as the previous email states, I would like the account balance reduced by the amount I have already paid, as I have grounds to take legal action based upon the laws broken in my state by your company if you do not. Please email me the exact amount owed after subtracting the $180 I have already paid, and I will gladly pay that balance. I will then remove your company from my debt consolidation program. Also, please place me on your DO NOT LOAN list, as I wish to have no further business with your company after this account is closed.

Thank you,
Traci Canales[/quote]

Crazy... anyone have any info. on internet regualations for these companies, I'd greatly appreciate it...I've been searching but can't find a thing!

I am looking for the regulations. As soon as I find them, I will post them.

thanks tammy...you're a peach! :D

I wonder how that person says that you should have done research before taking the loan as per the laws in your state. Why did he then give the loan to you in the first place as they are not licensed in Texas? Check out the link above as it has some serious information on payday loan regulations. I am looking for some more on this issue.

I had a payday loan from Express Cash back in 2003, and in Dec of 2005, i had these debts comming out of my account almost $500.00 .i had no idea who it was it said PD6/Whistler on my bank statement. I got an email just last month is june ---Urgent Notice: Possible Fraud Review/FINAL PLEA 7/31/06 I emailed them when i saw the PD6/Whistler and i knew it was them taking money out of my account in Dec. and they told me that would put my account in as paid in full, but if that was not ok then I owed another $200 and i would be have to pay it. I emailed them back and asked when did i get this loan, the emailed me and told me back in Oct 2003. And that i reapplied for a loan with them and got my new info and started debting my account. Without my premission, they did not call and tell me they were going to do this.... it had been over 2 years, they cant do that can they? I never got a phone call, email nothing from them 2 years ago saying i owed them anything, I thought i had paid it off? What should i DO???

Contact your bank, as they may have some means of assisting you. Also contact the state attorney general once you have all of the paperwork you'll need as proof (bank statements of all the debits they took out). Make sure you have copies of it for your own records. If you have anything on the original loan you took out that might be good to have as well.

To all those persons who borrow from PD6 they have they office in Henderson nevada , even though they are operating the business on the Internet they is still a state law that governs they business that is if the business is legitimate and register with the state, Contact consumers affairs, Better Business Bureau or the State Attorney Gerneral office.

I have a question about this Brad Reagan with PD6Ventures/Xpress Cash/DMS Martketing, does he also go by Brad Weathers?

According to the BBB in NV, they do not have a license to practice this type of business (internet or otherwise). The BBB gave me the number & web address to the NV Financial Institutions Division in order to file a complaint. The info is 702-486-4120 & www.fid.state.nv.us/ I am still working on reaching the BBB in MO to get the same info for that state. I will post upon receiving. Also, as a person who has previously worked in a collection department for a major corporation, be it known to all, no matter what a signed contract states, if a company wants to transact business in another state and try to collect on that debt, they are OBLIGATED BY LAW to abide by both Federal & each state's individual collection laws including being licensed to do business in that state. UPDATE: Upon leaving a voicemail for Brad Hall, a Paul Powell returned my call, and after stating all the above information to him, he wants to make an agreement with me to wipe my debt out of their system in leiu of me agreeing not to file any complaints. Of course, with a background in law as well as an IT person, I stated I wanted a letter mailed to me stating his agreement and I would in return do the same, but not until recepit of his letter. Good luck to all!!!!!!

They settled ASAP with me when my AG's contacted them. Marked my acct. paid in full.

I've been having problems with these people for awhile (my other posts are somehere in here!). They go by a bunch of different names and are trying to get money out of me for PDL's, but they will NOT give me a validation of these debts. To make matters worse, after telling them in an e-mail to please stop calling my work (they had spoken to my CEO, which almost got me fired), they are STILL calling my work.

Here's all the nfo everyone needs to know about this company, besides the above I already gave. First to tarynstitches, they are violating all Federal collection laws by continuing to call you at work after you told them to cease. NOTIFY your AG immediately!! Now, as they so love to claim that they are an internet company and beyond state laws, inform them that you will be filing complaints with these 2 government agencies - Federal Trade Commission and the Internet Crime Complaint Center, which is a division of the FBI. That should put a quick stop to anything they try. The websites for the above agencies are www.ftc.gov (click on File a complaint) and www.ic3.gov. Don't be afraid to stand up for your rights as a consumer!!!!! Email me at email address removed as per forum rules - Mike
if you need any help or have any questions....

Man you whiners are something else you take out money from a payday loan then complain because you are required to pay it back. Can you say thief... I personally have enough money but if i borrow money i would be expected to pay it back so quit whining about your attempt to steal money look at your contract and pay up or quit borrowing what you can not pay by the agreement you signed. Jeeze.. My guess is this site will delete this response as it appears only those who whine or support the thieves are listed not those who find this type of theft appalling.

Opie.

Opie, the people who post here are not thieves and the vast majority are tryin gto repay their debts. They are simply asking that they be treated in a fair and ethical manner, following applicable laws and practices. You post was not deleted and I ask that you consider the following.. what would you do if you owed money and could not pay.. How would you want to be treated.. what if you tried to make arrangements but were told to pay in full or else and the or else was in the form of illegal threats of action that cannot be taken.. how would you feel?

your logic is practical and i can concur with it. My comments after review may have been off key. My apologies as you state many people who get into trouble probably take the loans out with full intentions on paying those loans back. But having had loans myself in the distant past that i was unable to pay i can tell you that the credit card companies from my experience treat you exactly the same way only they in my instants were more ruthless, threatening to take my home, raise my interest rate, paycheck deductions etc. The reason this brought up such spite in my comments is due to all the conversation on your site on how to circumvent or avoid repaying your loan and how to get around paying at all by contacting the AG etc as listed on your site which to me personally seems a little slimy. But for those who got in over their head with good intentions i would feel the same just i think there is more honor to pay your debt that was agreed upon in writing when you took out the loan instead of looking for an easy way out and not paying at all. This if nothing else will allow you to keep your own personal honor.

Thanks.

Opie

Opie, nobody is encouraging people to not pay their debts. I can tell you from my personal experience that a few of the internet pdls made it so that I could not contact them to repay the loan and that gave them the upper hand to continue to debit my account. And reporting them to the AG is because they claim they are licensed but in majority of the cases you will find they are not licensed to lend in most states. They threaten people with fraud charges and arrest, threats that are considered extortion because they are intentionally threatening a person with an act (which they know they can not carry out) in order to take money from them. I can tell you that for just one pdl who made it impossible for me to request to pay off my loan ended up taking me for over $875 on a $300 loan. That is why they need to be reported. I myself believe I paid that loan off a long time ago and the company intnetionally gave me incorrect contact info. so that I was unable to pay it off and avoid the fees. Read some more threads, you will see that we encourage people to pay back their pdls if they still owe on their principals, that is the right thing to do. And by filing these complaints it will cause a stir and raise the eyes of official that this type of business activity is ocurring and people are being taken advantage of, this would hopefully prevent others from falling into the same mistakes.

Let me say that my debts are now paid off. I don't owe to anyone. Not to forget the moments when I was going through the crisis while doing this. I was equally disturbed with the collections calls and my debt problems. I may have posted here earlier speaking about the threatening phone calls, violations of the federal laws, did that give me any pretext not to pay my share? No! I just paid my debts but I also complained about the unfair things happened to me when collections calls where full of threats and other severe violations. I needed to inform the Attorney general of my state and got some serious help from there. No one is trying to escape from their responsibilities, Opie. It is their debt and they are fully responsible for it. but they deserve a fair treatment. Won't you expect the same if you are in their shoes?

In regards to Geneva Roth, has anyone been contacted by a Jackson Cherry??

This guy called me at work & my home # and left a message stating that a formal complaint has been filed against me and that I need to call him so he can "record my version on the story." Then he continued to say that is was very "paramount" to hear from my attorney representing me by 10/25.

What attorney is this guy talking about? The # he left for me is 1-800-351-8820 x250 with a complaint #.

Please advise.

This is just his pathetic attempt to intimidate you. He said have your attorney to contact him because he wants you to think that you are in trouble with the law and thus this very fear will cause you to cough up an enormous amount of money you couldn't possibly pay for fear of going to jail. Nothing is going to happen, he is blowing hot air out that orafice in his face. By the way, if he is threatening you with these types of threats he is the one violating the law. You did not commit any crime. How long have you had the loan, how much have you paid so far, and what state are you in?

By the way, I had forgotten to log in, that was me Tinkers.

I beleive is is for $300 with a $90 finance fee. That's the thing, I can't find any document of when I took this loan out. I live in Washington state.

Just so you really know how these companies truly operate, I made a pdl over 3 years ago and paid it off on time. 3 years later they tried to contact me to pay it again. When I told them I would pull my financials and provide documentation of payment, they tried telling me that they didn't have that kind of time and would just take me to court to get it back. I told them more power to them and to go for it. So you should definitely not assume that people on here on not trying to repay or haven't already repaid, at times even twice over.

I received a call at my office today from a woman who stated I had a Payday Loan from 2004 that needed to be settled. When I asked what company she was with, she rattled off about 7 different names. I stated I had never taken a Payday loan and that she must have the wrong person. She then read my SSN (in full) and gave an old and invalid e-mail address of mine which were correct. I again stated I never had such a loan and asked that she forward me any documentation that she had with the loan details. She said we cannot do that because of the "age of the loan." Now, I am not stupid and have little patience with ill-trained customer service representatives. I requested the full name and address of the company as well as the name of the director of their legal department and customer service as I suspected fraud. She said she would have to double check if she could give that out and would call me back. Are you kidding? I checked my credit report and saw nothing. I called the company back later that afternoon and tried to get additional details from the same woman. She said...and I quote..."Ma'am, all I know is on my screen it says you owe $810 which is the principle amount of the loan plus all the fees because you never paid it back." She then said because she was feeling "generous" she would approve a settlement of $300. I said "wait, you can approve a settlement for half a loan amount, but you have to ask permission to give out the company's name and address?" I ended the call by saying I was providing information regarding this incident to the Attorney General's office and the Federal Trade Commission.

Weird.

Has anyone heard of this co.

I had a message at my home phone/same kinf of thing
Threathing me telling me he was going to email my county sherriff's office if I did not pay

This is an internet pdl company, Did you take out a pdl, recently or in the past and defaulted? Even if you defaulted it is illegal for them to threaten you with a false threat of arrest. I'm hoping you saved the voicemail. This internet pdl company more than likely isn't licensed in your state.

I got the same email, and I have no idea who these people are, they never gave me money nothing. How do I deal with these people? What do I tell them I have changed my banking information 2 times because of this. This guy has horrible grammar I may add.

Guest, call the supervisor of the company and inform him about the email you are receiving. Mention that you don't have any loan from them, so why are they sending such letters to you? You have to express your concern strongly so that they pull off your name from their system.

Ok now I am not a guest! But I got the same sort of email from a Brad Ragan and apparently he has proof of my deposit - but cannot supply me the proof. So I am at my whits end. I like I said changed my banking information twice I shouldnt have to do this. What other measures can I take to stop all this?

So now Jackson Cherry called me back today threatening if I didn't return his call he is going to contact my Supervisor. I hope he does, my sup is already prepared for the calls she may get and can't wait for them to give her a call. :-)

I have gotten the same emails, but according to my old bank where I would have had an account when this supposed loan was deposited, WAMU shows no record of deposit. They say they have paperwork with my signature (electronic of course), but won't produce it for me to see. I have reported them to the AG's office here in Texas and awaiting their findings.

I did I called the companies supervisor. The guy that his been harassing me is Brad Ragan. I have no recollection of a deposit. Nothing. I had to infact go change my bank account so he couldnt get it again. I had to have my boss block emails from this guy. I had to have all sorts of security things placed on my account. Its gotten rediculous!

The supervisor of the company didnt care. Apparently, I think its a bunch a kids putting bull crap to try and get money. They wont get money from me that is for sure! Any other advice?

Arden, I did call the supervisor and it was so scary that he repeated my bank account back to me. I literally almost fell out of my chair! At that point I had to call my bank and get that fixed asap! It is to the point now where I almost want to change my address and everything. If it was easy to change my social security number I would! But I know its not. I am just so frusterated. I am 19 and have all these issues! I wanted the guy to remove me from there list but they wont!

I was dumb enough to take out a loan with a company called payday angels and the to my surprise a company names sjm marketing started taking money out of my account not monthly like i was told but every other week and now this comapny called pd6 ventures/express cash/westbury ventures goes and takes out money from my account and i dont know who in the sam he!! they are any advise would be helpful i borrowed 200.00 i have now pain a total of 220.00 and i just want them out of my life well i guess you can call that a lesson learned the hard way next time i need an advance i'll just let my kid's starve or i'll ask my mom. any help is truly appreciated :oops:

Hi pampam2 and welcome! Here is the link to your state's pdl laws: http://www.paydayloaninfo.org/
Payday Angels is a third party which links you with a pdl company. I have dealt with PD6 Ventures/DMS Marketig/Xpress Cash (and the names go on and on) You need to file a complaint with your state's AG office and send them a settlement letter, you borrowed $200 and paid back $220 so far, I don't know what state you are in but you may only need to pay back a few dollars (literally) I will post the link to the settlement letter. You will just need to insert your state's pdl laws and let them know you filed a complaint with the AGs office, this company will fold as soon as they are contacted by the AG, trust me on that one.

Here is the link to the pdl settlement letter, remember insert your state's pdl laws:
http://pollyandsay.yesdebtfree.org/template-letter/

I keep getting these same emails. I sent a reply today and am anxious to see what kind of response I get. I am in Texas.

We would be more than happy to set up payment. Please provide us with the original lenders name since we have never done business with westbury, PD6, or Xpress cash and owed balance. We have previously been in contact with:

Gerald Smith
Account Manager/ Reconciliation Consultant
Westbury Ventures/Broadmore Ventures
Sent email response on November 20, 2006 with no response and 11/29/2006

Christina Hampton
Collections Supervisor
Westbury Ventures
Emailed and received no response on 11/18/2006 and 11/27/2006

Mark Franklin,
Legal Department
Reconcile Consultant/Bad Check and Recovery Unit
PD6 Ventures/Xpress Cash
Sent email responses on 09/12/2006, 10/03/2006, and 11/27/2006

The difficulties experienced on my end when attempting to obtain the slightest amount of cooperation makes me question the debt all together. We have asked for debt legitimacy 7 times now.

You wrote "This is a serious matter and all appropriate actions will be taken to collect this balance. Through your actions (stopped payments, declined payments, account????????s closed or ignoring calls???????) and lack of cooperation, it is evident that you have no intention of paying this account willingly and further actions must be taken."

For one I have never received a response for my questions, and two, I have never received a phone call or a letter regarding this alleged debt.

Since you wrote "If you have any questions about your account with PD6 Ventures/Express Cash, feel free to contact me by phone or email", I will expect a response and answer to my questions so that I may know that this is truly a legitimate debt.

I have also been researching your company and have come across many disturbing disparaging remarks regarding the authenticity of your company's customer service, idle threats, and lack of paperwork.

Once again, should you or your colleagues refuse to reply to my questions, I will consider the alleged debt invalid and will be in contact with my states Attorney Generals Office, the Office of Consumer Credit Commissioner, the Better Business Bureau, the NV Financial Institutions Division, and my lawyer should harassment continue.

Finally, who is this debt for? No email ever received from you or your colleagues have ever said who actually owes the debt, so as far as I know you may have the wrong email address and person altogether.

As a follow-up to my previous post, I contacted the FTC and the BBB, but I also contacted the NYS Attorney General. I received a letter from PD6 stating they apologize for the inconvenience and the account is considered null and void. As I never even had the loan, the AG (on by behalf) demanded that they hand over all paperwork related to this debt. To date, they have not. The AG has kept in contact with me and encouraged me to consider legal action to obtain the original loan documents. I am not sure if I am going that far, but I certainly got them off my back.

PD6 Ventures
PO BOX 26413
Kansas City, MO 64196
Telephone: (800) 859-6439
Fax: (800) 859-6450

someone named Garrett called from this company on my job while I was out and harrassed the job operator about information regarding me, he asked her if she had my home phone and make a comment like, "you mean you are co-workers and you don't know her home number and he proceeded to tell her personal information, he told her he is trying to collect on a bill, she just told him she was the operator and she transferred him to my voicemail, what do you suggest?

Quote:

I took out a pdl,but have had to close my bank account because someone has sold my account info to others. I have offered to pay the loan off, but have been told that I cannot send a postal money order to do so, I will not give them any account info and i do no wish to send a moneygram do to costs. I was told that the money order would be returned to me if i sent it.

Can they really do all this. I received this email today. I did have to close one bank account because they were taking out 89.00 every week and sometimes twice a week and when I contacted them they could not send me an original loan document or when it was taken out. I also went through the bank and they were not able to get any information either.

i can not locate this co. to have them take all their money. they have been taking 90.00 every 2 weeks for a year and a half. please help!!!!!!!

There are a lot of mispellings and misuse of words in that letter...which leads one to believe that its a letter designed to scare the crap out of you by a scam company...I would contact your AG and inquire about this company

No they cannot really do any of this. Rosetta, did you take out a loan w/ them originally?

Rosetta, have you closed your account with the bank??

YOu need to closeyour account with the bank first. Then we can help you with the next steps.

First things first - Close that account!

hello
I to have taken out pdl and no one has no one has sent me a e-mail in regard to this money they have put into my account as well and it has been two weeks and I have no way of getting in touch with these people. They have already start taking money out of my account however I have read some of the posted story and I do not want to start going through the horror that I have been reading about. I have a loan with Arrowhead and PD6. I was already seeing red flag when these company deposit money int my account and I had not received a e-mail from nether company. I think I need to close my account and deal with them on my terms since I tried to deal with them on their terms.
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