Valentine & Kebartas collecting for E CARE Contact Centers (CTC)
Date: Thu, 04/23/2009 - 14:13
I believe this is CTC(Cash Transfer Centers). I did use them when i was in a bind, did not realize the full payment due on payday, that forced me to reloan time and time again. I ended up doing that for 6 months(12 reloans) paid 3900.00 in fees total. I finally put an end to it all and closed my account, and revoked the wage assingment, and informed my HR department.When i did this i had a 1200.00 loan due(1526.00) total. That was 6 months ago, my question is how can V&K be collecting for them if they are illegal like everyone has verifed here? And do i really owe them anything at this point? I never replied back to the letter i got from V&K, now i am wondering if i should have asked for DV. Anyway, i am hoping someone will be able to give me some advice on what to do next. Thank you
Even if the company in the not legal in your state, you need to
Even if the company in the not legal in your state, you need to pay them back the amount which you have borrowed, i.e, the principle amount. Now, since V&K is calling you up for the loan, you should send a debt validation letter by certified mail and get the debt validated. However, debt validation letter should be sent only after you get a debt validation notice from V&k within 5 days of initial communication.
I think i may have messed up, it has been a while since i got th
I think i may have messed up, it has been a while since i got the letter. I have not spoken to anyone there at all, had one message left from them, other than that just unknown calls with no messages, but thats all besides the point. My main question was if they are illegal, how can a company try to collect for them, just curious more than anything.
reply
that's because v&k is a bottomfeeder collector.you will most likely get nothing in writing because they don't want to see DV letters.that is because they can't validate an illegal pdl.i would pull your credit reports to see if they are reporting on them.if so dispute the entries.if not i wouldn't worry about them.another point.since this pdl is totally illegal you can put any fees toward prior loans into this one.so you techincally you owe them nothing.i would file AG complaints against both the pdl and v&k.
Thanks Paul, i was thinking the same thing, all the fees overtim
Thanks Paul, i was thinking the same thing, all the fees overtime was almost 4000.00, and since they where not legal to lend to me in the first place in my state or any state in the U.S., I really feel I owe nothing more. i willpull my credit reports and see what is showing.Cash Transfer Centers are a total pain to deal ,had to stop the cycle with them, otherwise I would have never got out, had to close my bank account because of them. Has anyone else had anything like this happen to them with CTC and a collector? thanks again
Thanks Paul, i was thinking the same thing, all the fees overtim
Thanks Paul, i was thinking the same thing, all the fees overtime was almost 4000.00, and since they where not legal to lend to me in the first place in my state or any state in the U.S., I really feel I owe nothing more. i will pull my credit reports and see what is showing.Cash Transfer Centers are a total pain to deal ,had to stop the cycle with them, otherwise I would have never got out, had to close my bank account because of them. Has anyone else had anything like this happen to them with CTC and a collector? thanks again
Thanks Paul, i was thinking the same thing, all the fees overtim
Thanks Paul, i was thinking the same thing, all the fees overtime was almost 4000.00, and since they where not legal to lend to me in the first place in my state or any state in the U.S., I really feel I owe nothing more. i will pull my credit reports and see what is showing.Cash Transfer Centers are a total pain to deal ,had to stop the cycle with them, otherwise I would have never got out, had to close my bank account because of them. Has anyone else had anything like this happen to them with CTC and a collector? thanks again