Collection Agency Help
Date: Fri, 06/13/2008 - 18:53
I originally took out a payday loan with epayday loan for 300.00. I made 3 payements in which I was told was interest only. I live in MN and I closed my checking account to default since they wouldn't do payment arrangements. In April I started to get letters from Vincent P. Cignarale Law Office. I filed a complaint with the BBB. I also requested a debt validation letter. Today I got the debt validation letter from Vincent P Cignarelle. The only information on it was that they purchased the account from a different collection agency Unistates Credit Agency in New York. Who again never contacted me? I still want my debt validation letter from epayday loan and now I want one from this first collection comapny to. What a mess where do I start and what do I do? I am also confused because how can a law firm or a collection agency act out on this when PDL are illegal in New York?
Sillymistakes, Great screen name by the way... If you are in Ne
Sillymistakes, Great screen name by the way... If you are in New York...pdls are prohibitied..the ca's are trying to collect on something that is basically uncollectable.
I searched the name and found this thread...this may help you out...very interesting reading, especially since you are in New York.
http://www.debtconsolidationcare.com/paydayloan/vincent-cignarelle-company.html
I am in MN the collection agencies are in New York the PDL is in
I am in MN the collection agencies are in New York the PDL is in Utah. Epayday loan tells me that they sold my information to VP Cignarelle and no longer have any info so they cant give me a debt validation letter and VP Cignarelle only has info from 4/08 thru now and obviously no payment hx. What is my next step this is getting messy.
