Good show! This sums up
everything about consumer's rights! Also, I just had to say that if
Legal Mediation breaks the law so much, they should change thier company
name in order to be politically correct.
I took off from work a few days, had to get my head together, etc.
I thank EVERYONE from the bottom on my heart because these people
stressed me out. I did send them a certified letter of verification
that I got off this site. I got their address from another post.
I received my paydayloan from Ace Check Cashing and thier policy is pay
back the entire loan and fees and get another loan for either the same
amount or more or less. They do not do payment arrangements and neither
does the LMP.
I will be paying off this loan in 2 weeks and I NEVER want to see
another payday loan again in life, my new motto is "if you can afford to
pay the pdl folks back in 2 weeks, you can afford to wait those 2 weeks
for whatever you needed the money for in the first place and save those
extra $$$$ for something else"
Sub: #26 posted on Tue, 05/16/2006 - 09:57
Unregistered
That collection company will
take whatever you send to them and they will accept a payment plan if
you refuse to pay it all upfront. That would also mean that you will
have to deal with them alittle longer than planned. I know someone who
did a payment plan with them. Does anyone else?
Sub: #27 posted on Wed, 05/17/2006 - 15:37
Unregistered
My name is J.M. Carter and I
live in VA. I had a payday loan that i defaulted on. I was contacted by
Legal Mediation Practices and they threatened everthing from location
and prosecution for bank fraud to Jail time even after I tried to make
payment arrangements.
I contacted the lender and and collection agency after a day of talking
and being terrified of what they threatened because I did not know any
better. Once I found out what my rights are I sent a letter as I stated
to both the lender and collector demanding satifaction.
The lender's attorney called me and they have written off the loan,
forgave it. I am have since filed a suite against Legal Mediation
Practices for violation of fdcpa and other very serious violations
of law.
I am writing this to ask if you would be willing to discuss your
experiences with me concerning this matter to help stop this company
from doing this to others. Please feel free to email me at,
[color=red]Email address removed as per forum
rules - Mike[/color]. Please know this....I am NOT an attorney
nor do i represent one. I am a consumer just like you. I had a hard time
and needed cash to take care of it. Yes I intened to pay the loan back
as I do not believe in being given anything. But when someone blatently
breaks the law, that person or entity should be stopped.
Thank you all and find out what your rights are immediately when
contacted. And make sure you document EVERYTHING. Names, dates, times,
conversations word for word.
Jeff.
Sub: #28 posted on Wed, 08/09/2006 - 08:39
Unregistered
Correction to my last post,
and an apology for breaking forum protocol. Anyone needing information
from me...feel free to post your question of concern here and I will
answer it.
Sub: #29 posted on Tue, 08/15/2006 - 07:41
Unregistered
These nasty people contacted
me at work today and told me the same thing about coming to my work to
"embarrass" me.They also told me I was being charged with fraud and that
I would go to jail. I am a good hardworking person who is having a very
hard time right now, which is why I needed the payday loan. I understand
the people who say you need to pay your debts and I agree, but try and
be more understanding, you dont know peoples personal situations and you
obviously have no understanding. I lost my purse the day my payday loan
was due and I had the cash to pay that loan in that purse. Shit
happens.There are worse people than those who dont or cant pay their
payday loans. Losing a purse, for those of you who never have, is like
losing part of your life. You have to run around for weeks, sometimes
even months to get back the things taken from you, and the payday loan
companies arent hurting that much when they have a 319% interest rate.
There are much worse people who belong in jail than people who cant
payback a loan.
http://www.ftc.g ov/os/statutes/fdcpa/fdcpact.htm
Sub: #21 posted on Thu, 05/11/2006 - 19:00
http://www.ftc.gov/
Sub: #22 posted on Thu, 05/11/2006 - 19:05
Sub: #23 posted on Thu, 05/11/2006 - 19:11
(Posts: 2192 | Credits: )
Sub: #24 posted on Thu, 05/11/2006 - 19:16
http://www.paydayloaninfo.org/
Sub: #25 posted on Thu, 05/11/2006 - 19:17
I took off from work a few days, had to get my head together, etc.
I thank EVERYONE from the bottom on my heart because these people stressed me out. I did send them a certified letter of verification that I got off this site. I got their address from another post.
I received my paydayloan from Ace Check Cashing and thier policy is pay back the entire loan and fees and get another loan for either the same amount or more or less. They do not do payment arrangements and neither does the LMP.
I will be paying off this loan in 2 weeks and I NEVER want to see another payday loan again in life, my new motto is "if you can afford to pay the pdl folks back in 2 weeks, you can afford to wait those 2 weeks for whatever you needed the money for in the first place and save those extra $$$$ for something else"
Sub: #26 posted on Tue, 05/16/2006 - 09:57
Sub: #27 posted on Wed, 05/17/2006 - 15:37
I contacted the lender and and collection agency after a day of talking and being terrified of what they threatened because I did not know any better. Once I found out what my rights are I sent a letter as I stated to both the lender and collector demanding satifaction.
The lender's attorney called me and they have written off the loan, forgave it. I am have since filed a suite against Legal Mediation Practices for violation of fdcpa and other very serious violations of law.
I am writing this to ask if you would be willing to discuss your experiences with me concerning this matter to help stop this company from doing this to others. Please feel free to email me at, [color=red]Email address removed as per forum rules - Mike[/color]. Please know this....I am NOT an attorney nor do i represent one. I am a consumer just like you. I had a hard time and needed cash to take care of it. Yes I intened to pay the loan back as I do not believe in being given anything. But when someone blatently breaks the law, that person or entity should be stopped.
Thank you all and find out what your rights are immediately when contacted. And make sure you document EVERYTHING. Names, dates, times, conversations word for word.
Jeff.
Sub: #28 posted on Wed, 08/09/2006 - 08:39
Sub: #29 posted on Tue, 08/15/2006 - 07:41
There are much worse people who belong in jail than people who cant payback a loan.
Sub: #30 posted on Mon, 08/28/2006 - 20:25