Need help with National Credit Adusters
Date: Sun, 11/13/2011 - 13:07
I've received two collection letters from National Credit Adjusters.
The first is for Sandpoint Capital. I got a payday loan from them back in Feburary 2011. The original amount was $300. I made repeated request via phone and faxes which I have requesting to pay the loan in full on several occasions. They repeatedly ignored my request and continued to pull out the refinance fee. I ended up paying them at total of $720 in refinance fees. I finally blocked their debits from my checking account. I live in CA and they are not licensed to lend her. I sent them a cease and desist letter when the collection calls started and sent them a letter demanding $420 back. Of course since they are overseas I did not hear from the. They sent it to a collection agency called Epstein and Rothman which harrased by phone even after I sent the cease and desist letters. They finally stopped. Now the debt is with National Credit Adjusters. I filed a complaint with the CA AG's office, BBB and FTC.
The second debt they're after me for was for a loan a took out with Plain Green Loans (formerly Think Cash/Bank of Deleware). I stopped paying it because I was unemployed and needed money for food and rent. Back in August I sent them a letter offering a settlement. I received an email from them asking me to call to discuss my letter which I promptly did. The person I spoke with said they'd accept my settlement. I said great, send me letter of agreement and I'll send the money order right away. Mind you I did the same with another high interest loan company, CashCall, with no problem. They sent a letter within two days. I signed the paperwork and sent them a money order for the agreed upon amount. The woman told me they did not take money orders. They demanded my checking account information to pull the money out or that I use a credit card to purchase a debit card from them for $50 and then put the money I owed them on the debit card. I told them no. They have no sent this to National Credit Adjusters.
So I don't owe them anything for Sandpoint but do owe for Thinkcash. So I'm just wondering how best to handle this. I've heard many unscrupulus things about them an wonder if I send money to Thinkcash what's to say it won't be applied to that and applied to the Sandpoint account.
The latest letter I received from National Credit Adjusters was saying that they purchased the debt from Thinkcash and I now owe them.
Thanks.
Toni
The first is for Sandpoint Capital. I got a payday loan from them back in Feburary 2011. The original amount was $300. I made repeated request via phone and faxes which I have requesting to pay the loan in full on several occasions. They repeatedly ignored my request and continued to pull out the refinance fee. I ended up paying them at total of $720 in refinance fees. I finally blocked their debits from my checking account. I live in CA and they are not licensed to lend her. I sent them a cease and desist letter when the collection calls started and sent them a letter demanding $420 back. Of course since they are overseas I did not hear from the. They sent it to a collection agency called Epstein and Rothman which harrased by phone even after I sent the cease and desist letters. They finally stopped. Now the debt is with National Credit Adjusters. I filed a complaint with the CA AG's office, BBB and FTC.
The second debt they're after me for was for a loan a took out with Plain Green Loans (formerly Think Cash/Bank of Deleware). I stopped paying it because I was unemployed and needed money for food and rent. Back in August I sent them a letter offering a settlement. I received an email from them asking me to call to discuss my letter which I promptly did. The person I spoke with said they'd accept my settlement. I said great, send me letter of agreement and I'll send the money order right away. Mind you I did the same with another high interest loan company, CashCall, with no problem. They sent a letter within two days. I signed the paperwork and sent them a money order for the agreed upon amount. The woman told me they did not take money orders. They demanded my checking account information to pull the money out or that I use a credit card to purchase a debit card from them for $50 and then put the money I owed them on the debit card. I told them no. They have no sent this to National Credit Adjusters.
So I don't owe them anything for Sandpoint but do owe for Thinkcash. So I'm just wondering how best to handle this. I've heard many unscrupulus things about them an wonder if I send money to Thinkcash what's to say it won't be applied to that and applied to the Sandpoint account.
The latest letter I received from National Credit Adjusters was saying that they purchased the debt from Thinkcash and I now owe them.
Thanks.
Toni
Yes, you don't owe a penny to Sandpoint Capital. Rather, you sho
Yes, you don't owe a penny to Sandpoint Capital. Rather, you should get back your $420.
Plain Green Loan is also not legal in your state. You'll have to pay the principal amount to them.
Since the loan is illegal, simply continue to send cease and des
Since the loan is illegal, simply continue to send cease and desist letters to the CA's...they cannot do anything to you since the loan is illegal. Also continue to file complaints with the FTC and your state AG's office. As for a refund, dont hold your breath.
