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Mypaydayloan.com Brad Haskins threatening to sue Debtcc

Submitted by Jason on Mon, 02/09/2009 - 20:28
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Mypaydayloan.com has sent a letter to Debt Consolidation Care through Bradley J. Haskins, ESQ. The company claims to have come across copy-righted material against Mypaydayloan.com in our forums. By copyrighted material, they mean any sort of communication between mypaydayloan.com and their customers.

Mypaydayloan.com has threatened to sue Debtcc, its principals, advertisers and even the posters themselves if the material posted against them isn't removed within 3 days.


Here's the image of the letter they sent us by mail:


Looking for your support in this matter.

---------------------------------------------------------------------
The original letter is also attached with this post.


Brad Haskins posted defamatory content about me at:

http://www.worldlawdirect.com/forum/class-actions-defective-products/21976-class-action-debt-consolidation-care-vikas-kedia.html

(Please read my responses in post number 11 and 16 of that discussion)

http://www.worldlawdirect.com/forum/civil-litigation/22082-lawsuit-against-vikas-kedia-denny-joseph-debt-consolidation-care.html
(I haven???t replied to this yet)

http://www.ripoffreport.com/reports/0/434/RipOff0434484.htm
(Please read my rebuttal and if you get time please file rebuttals)

I found out that it was Brad Haskins since I called the number posted on the contact us page of the world law direct website and I got Brad Haskins Voice mail. I have attached a screenshot of the conatct us page of the worldlawdirect website. I have also circled the number in red that goes to Brad Haskins Voice mail.

But you know when some one now searches Google for my name they get to see some one calling me a scammer. I wonder how many of these people will actually have the attention span to read the responses that I filled. Then make sense out of that big discussion to come to the conclusion that all I was trying to do was not get threatened into removing the bad deeds of "My pay day loan" that had been posted on the DebtCC site. I gave Brad Haskins the option of using the Samebox response system to respond to the allegations made against his company. Instead of using the Samebox response system he went and made posts calling me a scammer.

I changed my name from Denny to Vikas in these forums since:

1. Brad Haskins has posted my real cell phone number and my real name on the open internet (it was already available in the password protected area of our moderators only section, but it was not available on the open internet where it would show up in google searches). So the privacy I got from my screen name of "Denny" was already lost.

2. One of the things that Brad Haskins alleged against me was that the use of "Screen name" Denny in place of my real name was "Vikas" was being done by me since I wanted to defraud the customers. I did not want to give him this point to complain about.

During these very hard times where I feel that anyone searching Google for my name will get the first impression that I am a scammer. As I write this post I have tears in my eyes I feel I have been wronged and my reputation has been maligned in ways that can not be repaired even in future generations to come. I am taking solace in God and the firm knowledge that running these forums help real people as shown in the more then 1200 testimonials on this website.


Submitted by Vikas on Fri, 03/20/2009 - 15:32

Vikas

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i registered on ripoff report and will post a rebuttal today.i guess i had to register to post a rebuttal but will do so soon.


Submitted by paulmergel on Sat, 03/21/2009 - 09:25

paulmergel

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i too am so sorry you are having to go through this! this is terrible. How and why is it such a crime to have a user name duh! who wants your name and phone # plastered all over the internet. Im in the process of a rebuttal also but am awaiting the register confirmation that hasnt arrived yet.

Im here for you, im not sure how much help i am, but i will do what i can. I have never heard you ever post anything about other companies its thier way of trying to shut our mouths about bad companies. Maybe we should find a way to get this to the press take THIER advice and express how much of a asset this forum is to some people.

I have only been here maybe 3-4 short months but long enough to see what it does for people. its a shame that they would take something good and make it so bad.


Submitted by love_my_things on Sat, 03/21/2009 - 09:44

love_my_things

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still haven't received confirmation for ripoff report.i want to respond to the balatant lies on there.


Submitted by paulmergel on Sat, 03/21/2009 - 13:25

paulmergel

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still haven't ripoffreport.com is sham.i bet they know we are members here.wouldn't doubt it.they let someone post a bunch of falsehoods and fabrications and we can't respond.nice,real nice.well if that is the way they do things then they looking to get sued themselves.that BS about a class action lawsuit that isn't is irresponsible to say the least.


Submitted by paulmergel on Sun, 03/22/2009 - 13:27

paulmergel

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I laugh at threats made by debt collectors and their bottom feeding attorneys. I have found many of them use fake addresses and their employees use fake names to protect them from getting sued themselves.


Submitted by webmastercash4u on Thu, 03/26/2009 - 17:22

webmastercash4u

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WOW Brad really needs to use spell check. Umm I think you could actually sue mypaydayloan.com for harassment because that is what this letter is. If I were you I would try to get them. This is blatant harassment. There is no such thing as copyright on these type of things. If a client wants to reveal his personal information they can and they are not doing so on this forum anyway. Go after them. You have the proof of harassment and they have nothing.


Submitted by webmastercash4u on Thu, 03/26/2009 - 17:38

webmastercash4u

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Well, I wouldn't call it harassment unless a letter and a phone call on every available number were received every day. It's just very typical illegal PDL tactics. Something to get a good chuckle over and toss in the trash can. I personally feel that this is being blown way out of proportion. It's *funny* not threatening.

Now, one of our regular posters has reported a PDL coming to her home despite numerous trespassing charges. Now THAT is harassment.

The vast majority of those in the collection industry use "fake names", or aliases. This is for their own personal defense and is typical and not a problem at all. If they used their own names, they and their families would be harassed.

Not all collection agencies are bad. I worked for one for a short time and in their training, they drilled the FDCPA into their employees, going so far as to say if any employee is caught violating the FDCPA they would be immediately fired and if the company was charged the fine, it would be billed to the employee (each employee had to sign a contract to that effect). Now THAT is a good collection agency. (And no I won't reveal which one, I can't, for obvious reasons.)

But of course some would take advantage of the anonymity afforded them by the use of such aliases. But such cases are relatively rare.

Even the FTC says that many complaints it receives are due to misunderstandings and ignorance of the complainant.


Submitted by Chrys Henderson on Fri, 03/27/2009 - 00:12

Chrys Henderson

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ok, so I am a little late on reading this. But after reading through the posts on that website, it looks to me that some of the posters may be previous mods from here. I sure hope that I am wrong. I feel really bad that it has come to this. Somebody is pissed and wants to take it out on someone and that someone is us. But posting personal info on the internet is just plain wrong and spitefull. And if they are having a problem with Vikas/Denny posting his real name, then why are all of them hiding and not posting with THEIR real names? I guess all of this just touched a nerve, sorry :?


Submitted by puddlejmpr on Sun, 03/29/2009 - 23:59

puddlejmpr

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Because it's easier to sling mud from behind walls of anonymity.

People who act like that are a very low sort of human, IMO. It's one of the bad things about anonymous posting on the internet, is the low-lifes it attracts. They figure that even if it's entirely untrue, the fact that it is even out in the public record will reflect badly upon the victim, because of a personal vendetta caused by a grudge, but sometimes even just for kicks!

With all these false threats and slanderous innuendos, it is no wonder that no one actually has any evidence to press any charges with legitimate authorities, all they can do is slaughter with a barrage of words and sling feces like a monkey, hiding in a mask behind a brick wall of falsity. :roll: :twisted:


Submitted by Chrys Henderson on Mon, 03/30/2009 - 00:21

Chrys Henderson

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That may not be harassment but this is a sincere response from a victim of defamation and slander and I feel that a suit should be filed regarding this:
??
"During these very hard times where I feel that anyone searching Google for my name will get the first impression that I am a scammer. As I write this post I have tears in my eyes I feel I have been wronged and my reputation has been maligned in ways that can not be repaired even in future generations to come. I am taking solace in God and the firm knowledge that running these forums help real people as shown in the more then 1200 testimonials on this website."


Submitted by Frogpatch on Mon, 03/30/2009 - 03:37

Frogpatch

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that is a bunch of bunk.they can bring it on.i went to the link by the way.looks like a website like ripoffreport.just people posting.


Submitted by paulmergel on Tue, 03/31/2009 - 13:37

paulmergel

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By the way . . . you guys do realize that everytime you go over to that other website and write your responses you help move the page up in the search engines. In other words, you make it more likely that someone searching for "Debt Consolidation Care" or "Vikas Kedia" on Google will see that page . . . along with all the things on it that you don't like and he's nearly in tears about. Kind of like when you search for any lender or collection agency and some thread on this site is in the top 4 or 5 positions.


Submitted by on Tue, 03/31/2009 - 13:52

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What the hell is that person talking about??? I signed up here and never gave anyone any money.?? Also, if this Brad person would read things, he would see that most people are posting and offering suggestions from their own experience and what they have gone thru, plus I know many times people asking for help have been referred to professionals and they do not have to use this site to see professional help for things.?? I was going to post on that other site, but after reading that it bumped that thread up, decided not to.?? If this person that is posting on the other thread was so concerned about peoples names,and people hiding behind screen names, then they sure as hell need to post their real name.?? Just sounds to me that some PDLs are getting pissed because people are getting more and more educated?? about how they work and people are not getting as ripped off as much as they use to.?? The whole time I have been here on this site, I never once was asked to pay any money or use any of the site services.?? In fact, this site has helped me out many times.?? Whoever is posting all this other crap needs to grow up and get a life.?? Denny/Vikas ~ I am so sorry to hear about all this going on.?? I personally want to thank you for what this site has done for me.?? I have been able to get out of payday loan hell, been able to help others (donating points and even the money I got for making HOF), have gotten help from others, been able to get a little money from here just for posting, been able to vent when I have been mad, had my spirits lifted when I have been sad and even been able to brag about my family and have made some friends along the way.?? You have heard the old saying what goes around comes around, well I believe that will happen.?? Someone is ticked off about something, so they are doing everything they can to discredit this site and you.?? We all have down times, but we come back better and stronger than ever and I believe that is what will happen here.?? Hang in there and know that you have a lot of people behind you!!
Karen


Submitted by 2nband on Tue, 03/31/2009 - 19:27

2nband

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Don't kid yourself about PDL's not doing well. All that's happened is the state legislators have handcuffed the stores - which were the only regulated pdl's out there - in their zeal to "do something." The internet loan industry is bigger than ever. There are places now where all you need is cash and they give you a turnkey business to start making loans. Whenever some state AG gets an ipdl to settle and refund a small amount of money the same company reopens under a new name and keeps right on making loans. In fact, the only thing hurting the internet lenders - especially now that banks aren't offering credit cards, let alone loans, to most people - is that so many people have gone into the payday business that each company's slice of the pie is getting smaller. But the pie itself keeps getting bigger and bigger and bigger.


Submitted by on Tue, 03/31/2009 - 21:59

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please,with alot of AG'S,THE BB,and THE FTC getting more and more complaints the internet pdl industry will weaken to almost nothing.if it wasn't you wouln't be on here trumpeting that all is well.if that's the case then why bother coming here we don't care.it's like my grandpappy used to say.don't confuse activity with accomplishment.the ipdl industry is on notice and nothing you post will dissuade me from that point of view.


Submitted by paulmergel on Fri, 04/03/2009 - 07:49

paulmergel

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If the idgits would has a reasonable business model,they would not be getting shut down left & right. Take ave bank interest rate and add a few points based on credit rating risk.use real underwriting for the loan and use a real contract.This model makes money everyday,it just takes a little longer to put it in your pockets.


Submitted by cajunbulldog on Fri, 04/03/2009 - 07:59

cajunbulldog

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You know someone had to throw something out there that was different than what we all said. Even though times have been rough for us here and sometimes think how easy it would be to get one of those loans, I then remember how much it ended up costing me and what a pain it was to get out from under them. Every time I hear someone talking about getting one of those loans, I share my experience and here pretty much the same thing....they did not realize how they actually worked and how much they charged in interest and fees or how hard it would be to get out from under them. I think I have turned several people away from pdls.


Submitted by 2nband on Fri, 04/03/2009 - 10:33

2nband

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Actually, that wasn't intended as a pro-idpl post and I'm pretty surprised that you took it that way. I'm very frustrated that state AG's are grabbing headlines for themselves without actually doing anything to the industry while the feds, who actually have the power to do something, have been pretty hands off except for where the military is concerned.

Even in the one case the feds got involved in - Cash Today - the feds only shut down some U.S. guys that were selling them leads. That company is still making loans left and right - despite self-aggrandizing press releases out of the Nevada, West Virginia and other state AG's offices. One Click Cash and Ameriloan are still lending in California despite a cease-and-desist from the California Department of Corporations (granted, the courts did refuse to enforce the C-and-D.) and Pennsylvania can't even enforce its new policy against ipdl's yet because it's locked in a lawsuit with CashNetUSA. (BTW - Cash America just completed its $270 million purchase of CashNetUSA. Do you really think someone would pay that kind of money for something that's "weakening to almost nothing?") Selling Source and TranDotCom are selling turnkey ipdl operations to (website, call center and marketing) anyone with the cash. Congress just held a hearing yesterday on a bill that would legitimize payday lending in general. And my inbox is still filled everyday with spam offering me payday loans . . .

Can someone please point me to this alternate universe where the ipdl's are losing and the situation is improving? I'd really like to live there instead.


Submitted by on Fri, 04/03/2009 - 10:35

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To the guest above, I have suspected I knew your identity but since you posted above, and in the other forum (World Law Direct) about this subject, I am possitive I know who you are now. Frankly, I am disappointed that you would act in this manner, I thought you were a bigger person than that, guess I was wrong!


Submitted by Shazzers on Fri, 04/03/2009 - 19:33

Shazzers

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i heard nothing about this so-called hearing guest.i doubt that with the economy as it is and all the AG and FTC complaints against pdl's that congress would look to screw americans further.as for that alternate universe.why don't you go back there as the humanoids need you more than we do.show me proof of this hearing or go away.


Submitted by paulmergel on Sat, 04/04/2009 - 11:03

paulmergel

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we do allow links.we have had false articles before.that proves nothing.i never said you were a troll.i believe the term was humanoid.


Submitted by paulmergel on Sat, 04/04/2009 - 19:51

paulmergel

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[quote]This bill is in the first step in the legislative process. Introduced bills and resolutions first go to committees that deliberate, investigate, and revise them before they go to general debate. The majority of bills and resolutions never make it out of committee. [/quote]

I'm just posting this information for those who may misinterpret this-thinking it is actual law, it isn't as of yet. There are and have been many bills introduced to the committee on this very subject. Unfortunately many of them simply do not get passed, no matter how important they seem to us or any specific group.


Submitted by Shazzers on Sun, 04/05/2009 - 08:38

Shazzers

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go to www.govtrack.us/congress/bill/text=h111-1214 it will guide you to the H.R.1214 payday loan reform act.it will show you the actual bill.couldn't find the humanoids article anywhere.another piece of propaganda by a more than likely pdl employee.there is nothing pro pdl about the bill.


Submitted by paulmergel on Sun, 04/05/2009 - 20:00

paulmergel

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i deleted your pending post guest.your article is bogus.i couldn't find it on any search so please can it.the real bill is not a pro pdl bill.if anything it is a great bill for consumers.i gave the address so others can see the actual bill proposed.i have no further use for you or your bogus information.


Submitted by paulmergel on Sun, 04/05/2009 - 20:05

paulmergel

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