Another Collection Call

did you file reports with the BBB, AG and FTC?

I sent two letters to the pdl place, and sent a copy to the PA State Attorney General's office. I also filed a complaint on the original person who called me and the AG's office sent me a follow up letter telling me that they are going to look into the matter.

you should hire an attorney and sue them for violating the Fair Debt Collection Act.

I did it 10 years ago and made out

That sad part is, beside you guys in the wonderful community, nobody else knows. Not even my family. I am so embarrased about the entire situation. I am seriuosly considering filing for bankruptcy. A family filed back in October and she wants to help me financially, but she wasn't sure how long after bankruptcy she could apply for a loan. Sadly again, she thinks it for credit cards only. I can't even tell her and she's my mother.

Bayley. . .yes it is sad but I would bet you dollars to donuts that most of us on here were or are in the same boat. Nobody but this board knew about the position I was in. It wasn't until I cleared all 5 of my PDLs that I finally told one other person. I probably will never tell another sole. We are here to help each other. Chin up. Things will improve. . .promise.

ditto...I've told no one. I feel like the only loser in my family & circle of friends.

Which collection agency is calling you? At this point, you need to send the debt validation letter that include a cease and desist clause directly to the collection agency.

Send them this...this covers it all:

YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT#

To whom it may concern:


This letter is being sent to you in response to a notice sent to me dated Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.


Thank you,

Hi VB Mom. . . I hope all is well with you.

Send them this...this covers it all:

YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT#

To whom it may concern:


This letter is being sent to you in response to a notice sent to me dated Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.


Thank you,

Hi Vollyball Mom....He did not identify the company name all he said was "This is Joe and you committed fraud. Payday Loan Yes. We gave you money on 2/22/08 and you have not paid us one dime. You committed fraud man. If we do not hear back from you, we will garnish your wages. I am not trying to be mean, but this is my job" and left an 800 number, which I think I left at work. The embarrasing part is he told our receptionist why he was calling. She put him through to my voice mail and sent me an email saying "payday loan message in your voicemail". I was so embarrased. I told her what happened and to not tell anyhone.

did you send the letters that volley gave?if not do it asap.if so start keeping track of activities like that one.you see PAYDAYLOANYES got the wood put to them in illinois to the tune of 250,000.00 for illegal collection tactics like that.get your ducks in a row,send your letters,take action.

I sent Payday Loan Yes two cease letters and they are still calling my place of employment. I also turned them over to the AG when they first started calling me back in April. The AG's office sent me a letter telilng me that they are going to look into the situation. Payday Loan Yes has a website that you can email to their "complaint" email. When I did, they never got back to me. Gee, I wonder why?

keep filing AG complaints,look into other actions.you have rights ,even if it takes an attorney to exercise them.if you know what i mean. :wink:

Isn't payday loan yes an illegal company operating from outside of the country? I could be mistaken, but it seems like I read that somewhere at this forum, can anyone confirm this?

i don't have the addresses handy,but there are two.one is in illinois the other in california.that is our friend TIM ADKINS.

If they are out of state, do they use collection agencies in side the US?

Is there another way to file with the AG beside a written letter? Is there a website form or anything like that?

Well Bayley5, some state Attorney General's office websites allow filing online complaints but some do not. You can check my signature link for a list of Attorney General offices by state to find yours.

Thank you. I just filed a complaint on their website. I also wrote the AG a letter about a month ago regarding the same company and issue.

??
Gimme the 800 number, please. I'll look into it.

??
Dear Bayley,

From your post it is clear that the said collection agency has harassed you multiple times by calling your office and at the same time disclosing facts to a 3rd party. Thus, the collection agency has already breached fdcpa rules and guidelines.
In such a case, you can do the following: -
1. You can ask the concerned collection company to stop harassment.
2. If harassment continues then you can ask name along with the address of the collection agency. Then after report and complain it to the Federal Trade Commision(FTC), Better Business Bureau(BBB) or attorney general????????s office of your state (in writing).
3. Then after make a complain to the Consumer Protection Agency of the state you live in and send a copy of the same to the creditor (Payday Loan Yes) who had hired the concerned collection agency.
4. If the harassment still continues, then you have all rights to sue both the concerned agency and the creditor which employed it.
i. You can sue them up to a maximum amount of $1000 in case of small claims, or
ii. In case of outrageous violation of FDCPA rules, you can also take them to regular civil court
Regards,
Phoenix