Do I have to call them back?

I refuse to talk to any of them over the phone. I know they are just going to be harassing and rude. when I received the email telling me to call them I told them I was recommended by the AG office to get everything in writing, therefore, we must continue our conversation via email or USPS. If they don't liek that.. then I guess they don't want their $$

thlovely1 I wouldn't call them back, but it's really your choice. Most likely, as the guest said, they just want a stab at you to be rude and demeaning, don't give them that opportunity, make it clear, emails or USPS. :)

I asked them why we could handle this over the email and their response was:

"In order to settle the balance, you will have to sign a mutual realease. That is why we wanted you to call because if you have filed a complaint already as you said that you we cannot do this."

What can't they do? Settle the balance?

Sure they can settle it, IF they want to, complaint or no complaint they must do SOMEthing or not get paid. I still would cal them, you can say the same thing in an email as on the phone, I think they are just setting you up for a tongue lashing. :?

That's what I'm afraid of. What is the mutual release? Is that the same as being paid in full?

I am honestly not sure, but do make sure you read the fine print, don't let them rip you off anymore!

Quote:

I asked them why they can't send it to me over the email. I'll let you know what I find out.

Why would they need to know if I already filed a complaint?

Just an FYI - I had one payday loan that did not do things over email or in writing. If I had not called them, I would not have gotten my PIF.

I was planning on filing a complaint and said so in my letter but I haven't gotten around to it. Should it matter if I have filed a complaint or not? Should I let them know that I have not?

I would not lie to them about the complaint.

Ahhh, there it is. They want you to call so that they can talk you out of filing a complaint. They fear that you will file in the time that it takes for communications go back and forth. If you are ok with not filing if they give you the PIF, then reply to the email that they sent mentioning your complaint. Tell them that you will not file a complaint once the account has been taken care of.

Never tell a pdl that you will not file a complaint if they do what you want. That could get you into some very serious trouble. It's called extortion.

At this point, I just want my account taken care of. I let them know that a complain has not yet been filed and that they should send me the mutual release for me to review.

That would be okay to say - Just don't say that you won't file the complaint if they mark you PIF.

I didn't indicate that a complaint won't be filed just that I hadn't done it yet.

Yeah, sorry about that, I worded it very badly.

Not filing a complaint will be included in the mutual release agreement, regardless, so you only needed to let them know that you have not filed a complaint

Here is the mutual release that B&L Marketing forwarded to me. I'm reading it to say in my words that if I sign this document each party is relieved of its obligations, claims, and liabilities and that if I sign the document, my account will be marked as paid in full. Am I interpreting this correctly?

"""This mutual release, executed between B&L Marketing and XXX, account number XXX, is intended to effect the elimination of any obligations by either party as hereinafter designated.

Whereas, disputes and differences have arisen between the parties with respect to that certain contract entered into by said parties and executed on August 4, 2008, both parties have agreed to settle said disputes and differences by executing this mutual release.

Whereas, both parties recognize that by the execution of this mutual release, they are relinquishing their legal rights with reference to the herein mentioned disputes and differences, both parties agree that in this consideration of this execution of this mutual release, and for the added consideration of the account being marked as paid in full, each party for his, heirs and assigns, expressly releases the other party, and his heirs and assigns, from all liability for claims and/or demands which may arise from that certain contract referenced herein.

In witness whereof the parties have executed this mutual release on the day and year stated above."""