payday loan help - AIS Service

cab, found this info on an old thread on this site. Hope it helps you.

AIS Services, LLC
50 California St, Suite 1500
San Francisco, CA 94111

email: info(at)aisservicesllc.com
Phone (888) 920-1300
Fax (415) 651-9333

Thanks

Cab, any time. If you need anything else, please post.

cab, I've been turned over to AIS also. You need to send them (in writing) a demand for debt validation. They will have a WONDERFUL time trying to validate that debt. If you need help with this, just let us know. :wink:

Thanks - will do

anyone know this # 888 500 4750

I found out who the # was for - it is for CCS
which is what my orchard visa card was with, so
the person was very nice and we worked out a re-payment plan

Glad to hear it! You got a person that was easy to work with! Great! :D

Hello Cannr, you said that you were turned over to AIS. Did you ask for debt validation? Have you heard back from them? I don't suppose you have a copy of the letter you sent them? I have one, but not sure if it is good enough. Believe me, I was very specific in what I asked for, but again, I'm not sure if they have to provide the answers. Like I've said earlier, I have no fear of these people. AIS is licensed in Washington State, so hopefully they'll follow Washington State laws. If not and they decide to sue or whatever the process is, I'm ready for that. Hell, I'd get some time off from work, it might be fun! I get paid whether I'm here or not, so what the hell! hahahha. I'm really glad I found this place! Thanks in advance!!!

Going Deep

That was me, forgot to login!! Sorry!!!

sub, I did send them a debt validation letter via USPS. I haven't heard a word yet. However, it hasn't been 30 days yet. On the 30th day, if I still haven't heard from them, I will be sending another stating "Hello! Remember me! Where's my debt validation?" LOL! Like I said, they'll have quite the time validating the debt. So, they may never respond. Who knows. I'm watching them like a hawk though. Did you request everything from them? Like who the original creditor is, what the original amount was, how they came up with the amount due, etc..... Everything? Even to prove they are authorized to collect on this debt, etc.... Where did you get your debt validation letter from? Was it from here? Or did someone pm you a debt validation letter to use?

you guys are requesting that they validate the debt? you are looking for an easy way out of repaying. why don't you just pay the loan company back as promised, or don't get a payday loan at all.

No one here is looking for a way out of paying a debt. Actually we advocate paying our debts. We do however have the legal right to see how the amount of the debt was calculated. We also want to be certain that the debt is infact ours.Please before you decide to post, be sure of the facts

mbeasley, honey, if you had overpaid a loan and then had it turned over to a collection agency, would you not request validation, which is your right by law? Until you know the exact situation and all details involved, I wouldn't stick my big face in and offer comments.

mbeasley should have read my above post, it states
that I have paid $900.00 as of 09-07 on a $200.00 loan
so I think I more than paid my debt.
I'm not even worried about a refund, I just want them to mark it paid in full
so I still don't know, what state is Midland Market is in so I know how the repayments should be calculated.
when I do a goggle, I come up with a couple different
ones
I haven't heard from AIS yet - so what do you think I should do, send them a letter now or wait till I get something from them.

cab, wait until you get a letter from AIS. And, msbeasley (or whatever their name is) is a freak. AIS should send you something in the mail. If they don't, screw them. I'm still waiting to hear back regarding them validating my debt. Waiting, waiting, waiting. If they haven't sent you anything, you could send them a letter stating that you know they have your "account" and demand debt validation on it. However, I got something in the mail. I like documentation. You can shoot off a letter to them if you like. At least it might get the ball rolling. As far as Midland, I don't have a clue. They're a hard one. Did you try going to the "search box" in the upper right hand corner of this site page? Type the name in and see if any posts come up that might have some information on them.

Canr, I found the letter on the internet, don't remember which site it came from though. I asked for everything you mentioned though. I haven't heard a word from them, nothing. Who knows, maybe Aarowhead lied?

thanks for the advice - I think I'm going to send them a debt validation letter tomorrow, just to try and stay one step ahead of them and be ready for them.
I did try in the search box up above for Midland Market and it pretty much is the same - no one really seems to know where this co. is or there are a couple
different states for them.
well if and when AIS validates the debt, then I guess I find out where they are located
and then I can pass the info on here.

thanks again

cab, good for you. Go ahead and ask for debt validation. And let us know who the "original creditor" is. They may just state the name without an address. Maybe you might want to mention that they inform you of the original creditors name AND ADDRESS. Maybe we'll get an actual address out of them! Keep us posted! :wink:

Just remember that unless you live in a state like Texas, and I think there are a few others, they have until the cows come home to validate!

I'm waiting a year and a half later!

I did send them a follow up letter with a copy of my first request for validation..Keep copies of all correspondence!!

Good Luck..KAren

sub, you found a debt validation letter on the internet? Is that what you're talking about? If it covered everything, you should be fine. However, did you ever receive anything from the collection agency? Or did Arrowhead just tell you that you were turned over to collections?

Well I printed off the e-mails that Midland Marketing
sent me and it is just very plain
standard letter which they filled in my 1st name
"your finance charge of $... has been returned blah
blah blah........ Your account has now been turned over to an outside Collection Agency.
Sincerely,
Midland Marketing

the 1st e-mail stated AIS services, the above 2nd one
just says and outside collection agency

well on doing a search I found 2 address
one is for the West Indies and One is for Missori
I pulled up the state of MO laws and it states Legal
but I still have to figure out the rollovers and other
stuff - any help on this is appreciated.
again I paid them $900.00 on a $200.00 loan

Canr, yeah, it was on the internet. It mentioned all the stuff you did. I added some stuff, to make it fit my circumstances. No, I haven't been contacted by AIS, I just got an email from Aarowhead saying it was turned over to them. Who knows what these knuckleheads are up to. Should I wait, or should I call them?

cab - I believe it's the west indies one. That's why they are so hard to find information on. If I remember correctly, I've read past posts regarding them and did a search only to find that they are overseas. Which works in your favor. You know damn well they are not licensed. You paid $900 to these idiots, and as much as I hate to say it, you'll probably not see that $700 refund. I'm not saying it's not POSSIBLE. Just highly unlikely. Especially if it is indeed west indies, which I am so leaning towards it being.

sub - If you're up for a phone call, call them. However, it was just stated that you were turned over to them. You haven't received anything. They might be bluffing. However, they did state a name. Shoot, I know you. You're up for it. Try to contact them first and see if they do indeed have your "account". If so, demand debt validation. If they say no, then you know the pdl was bluffing. They make you wonder sometimes.

caby, what state are you in? If your state has laws, they have to follow those laws. So if I knew what state you lived in, I could try to figure out how much you've overpaid, etc.

canr, I emailed them (AIS) I asked them if a person was charged too much for an illegal payday loan and was due a refund, would they buy the debt. Hahahha. She told me (Neda Amaya, Legal Manager) that my name wasn't in their system. I think she took me the wrong way. I think she thought I was telling her they had bought my debt (which is what Aarowhead said, but wasn't my question), but what I really meant was would they buy the debt owed to me. Anyway, she said I wasn't in the system. So maybe Aarowhead is bluffing. I called AIS, left my name, etc, and asked to be called back. AIS is licensed in my state, so hopefully they'll play by the rules. If not, I'll fire back. Not too concerned about it.
I just want to get this debt validation letter out and see how they respond.

sub! You got the correct person! Neda! If she says that you are not in their system, then you are not in their system. Apparently Arrowhead either "jumped the gun" and stated that you were turned over before actually turning you over or they flat out lied to try to scare you. Neda would tell you if you were turned over to them. However, stay on top of them. These guys will turn you over to the credit bureaus if/when you actually get turned over to them. I'm cracking up that you talked to Neda! But, sub, she is the person that you would deal with. If she can't find you, then you haven't been turned over to them yet. Arrowhead are jerks.

I'm going to talk to Neda again today. I'm going to tell her that I'm sending her a debt validation letter just to be safe. That will give them time to work on it. Hahahah, there is no way in hell (at least not that I can see) that they could validate this debt. It will just waste their time and hopefully piss them off. As a matter of fact, I wish they had an office around here, I'd go down there and sit down with them.
Did you have to deal with her? Was she easy to work with, or did she give you a hard time. I'm assuming if you had to deal with her concerning internet payday loans, then she had to come to the same conclusion that the rest of us are coming too?? That they're illegal in most states? Or do they not see it the way the rest of us see it?

sub, she was "my girl". I did everything via email. She is very "to the point" and "no nonsense". We got it worked out. She was not mean or nasty. I am just very persistant and I could tell I was starting to get on her nerves. But she was very professional and it got straightened out. I think you'll have luck with her. You HAVE to let me know how it goes. :wink:

Hi Cannr, I talked to Neda again today. She has no idea who I am, and doesn't have me in her system. So who knows whats going on with these jokers. She asked me what kind of account it was, etc etc. I told her that I was in the Navy, and was told not to pay it. She told me she's married to a Marine! Not sure where that will get me, but hopefully she'll have the same honor, etc that I'm assuming he does.
She told me that they'd call, write, contact me if and when they get the account.

sub, I do believe Neda. If you were turned over, she'd be the first to let you know. Apparently your pdl "jumped the gun" and said you were turned over. Or maybe they're in the process. Or, hell, maybe they got smart and zero'd out your balance (we wish)! But Neda wasn't 1/2 bad, was she? Married to a marine. Maybe that'll put "points" on your side. You know, I'd contact the original pdl again (only because I know you're up for it) and tell them you contacted Neda and you don't exist! Say "What's up with this?" They would probably crap all over themselves!