NRS calling about a payday loan
Date: Tue, 09/23/2008 - 15:26
If NRS (National Recovery Services) is calling you for a debt th
If NRS (National Recovery Services) is calling you for a debt then call them back and ask them about the specifications of the debt. Then send a debt validation letter to NRS to the following address: -
Quote:
24 Railroad Ave. PO Box 1266 Patchogue, NY 11772 |
Their other contact details are: -
Quote:
Phone Number: (631) 758-1900 Fax Number: (631) 758-1944 |
Now coming to the point of dealing with the pdls. Even if pdls are illegal in New york then also you have to pay them the original debt amount.
In order to stop them from debiting excess money, above your principle amount, you can follow the following steps: -
Quote:
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. |
After closing your account please send the follwoing mail to the concerned pdl company: -
[quote]Date:
Name Of PDL
Your Name
City, State
Account #
After doing research regarding Internet payday loan laws in the State of _______, I have found that your Internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the State of _____ in general:
Your State Information
I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with the XXXXXX to protect my interest in this matter, per instructions from The _____ Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.
I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment or my home
telephone number. I also prohibit you from calling my references listed on my loan.
Due to the fact that Internet payday loans must be licensed in the state of ____ to be a legal and binding contract, your company should NOT issue loans to ____ residents at all. I am requesting that you send me your license number which enables you to offer loans to ____ residents.
The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this is only if you provide me with a physical address where I can send payments.
I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the ____ Attorney General's Office.
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.
Sincerely,
Your Name
CC:
Better Business Bureau
Ohio Attorney General
Federal Trade Commission[/quote]
Then file complaint to Federal Trade Commission (FTC) and Better Business Bureau (BBB).
pdl
Yea...see what your bank can help you with. You MAY have to close THIS account and open a NEW one. I'm sure your bank will help with this PDL issue. 'My' bank was wonderful in helping me, when I had this issue.
I have already sent my c and d letters to all my pdls.Everytime
I have already sent my c and d letters to all my pdls.Everytime they email me or call me i re send them the c and d letters .Now am recieveing calls from nrs saying they recieved my paperwork but are concern and its something i might not be aware or.I have searched this company here and have seen other people saying they told them the same thing they told me how they are concerned and i might not be aware of something,dont know what they mean by that.I have read people saying that nrs and pheonix debt management are the same company.So how can these people collevt for illegal pdls and can this nrs have a ny address and try and collect on illegal pdls?
Hey wssu i did a search here on NRS an i saw you had same proble
Hey wssu i did a search here on NRS an i saw you had same problem as i do now.I sent all my pdls a c and d letters and now i am getting calls from nrs.How did you handle them?What did you do?Meanwhile they have not sent me any dunning letters and i will bet they wont.What happen to you with them?
I just kept on resending them by either fax, email and mail. th
I just kept on resending them by either fax, email and mail. they will stop for a while. When they call at my place of employment, I will tell them I am not at work.
you faxed nrs your letters?but did they send you anything in the
you faxed nrs your letters?but did they send you anything in the mail or was only phon calls.where did you get there email and fax number.are they still calling you now?
i just got the same exact call from 888-622-0222 with the same e
i just got the same exact call from 888-622-0222 with the same exact script only my caller's name is carolyn.
what does she mean, 'something i may not be aware of'? i went through all my contracts and even though i didn't sign any wage assignments i revoked them in the c and d letters. i emailed one to my HR department and they said i should send one to ADP, which i did.
should i call this person back?
should i resend all my c and d letters? and if so, where should i send the one for this carolyn person?
fab - what state are you in? where did you take the loans from?
fab - what state are you in? where did you take the loans from? i would be very careful, as this seems like a scam, but i am sure someone will be around to help you better than i could.
That is thier language to make you so curious you call back. Th
That is thier language to make you so curious you call back. They are baiting you, dont bite!!!! Have you checked to see if NRS is licensed to collect in your state? If they are licensed send them an email and ask them why they are trying to collect on an illegal pdl debt. If they get you on the phone, tell them they are on a recorded line they will hang up fast.
If who is licensed? If it is a PDl, you can check with your s
If who is licensed?
If it is a PDl, you can check with your state's Dept of Financial Institutions.
