pdl update

im sorry i am trying to listen just got very scared by them. how do i take legal action i dont have money for a lawyer? i will have my brother right a statement today.

I was an lawyer before immigrating to the US. In the US I spent over a decade working at a collection agency and as a financial aid officer.

Junk debt buyers buy debts for pennies on the dollar...and they play on people's ignorance. Even though we continue to tell you the laws, you are still not convinced because of the fear that they have instilled in you....that is how they make money.

in fact if this douche keeps calling the police they can start investigating him for badgering them.why they don't see that is beyond me.the term is contingency.you get an NACA lawyer and sue this piece of crap.the bottomfeeder pays his fee and court costs.you get some money out of it too.you pay nothing to the lawyer.do it,or at least look into it.go to www.naca.net there you will find FDCPA lawyers in your area that will go after this douche,and the bottomfeeder he is attached to.don't want to say works for because i don't consider criminal activity a job.

thank you guys. I know Im better today after talking to you guys. You have been great. Im going to look into the fdcpa lawyer. As long as its not a charge because i dont have that kind of money.

Paul what exactly do i tell the attorney if i contact one?

You need to get an NACA consumer attorney....you also need to get a written statement from your brother and pic of the phone number calling in. Yours too. Then look up an attorney here...
http://www.naca.net/find-attorney

It appears that you really dont get it yet....why else would you ask what would you tell the attorney?? What have I said above???

Ok...I just called this place on a pretext of mailing in a payment for my grand daughter. They refused an address...ext 176 told me they do not take mail in payments. Company called creditors....you should have had the cop get their mailing address.

I didnt even think to have the police get the address. Do you think they would have given to them? If they are refusing to give an address and except mail in payments isnt that fishy? So what now??

if they are a legit place shouldnt we be able to a valid address online and if someone is offering to mail a payment why wouldnt they take it....

if they are a legit place shouldnt we be able to a valid address online and if someone is offering to mail a payment why wouldnt they take it....

lol, I know I know, its just crazy how they cant really scam you over the phone.

now i have these idiots calling leaving messages. I dont know if its in regards to the other pdl companies that have never responded back, red leaf, one click cash. This foreign jerk says hes from a New York Law firm at the above number called mark rotham and associates. He spews the same gargage that there is a lawsuit out and its time sensitive and if I dont call back he wishes me luck. Funny thing is when i google mark rothman in new york its a totally different number and its a womens voice on the answering machine. how do we get these jerks to stop calling. On the remaining pay day loans that have never responded , I think there are three that havent , what do i do just forget about them totally and hope the calls stop

still file complaints,but as long as you know these are toothless threats do that and ignore the messages,and don't answer if the number looks unfamiliar.

i have been ignoring them, hopefully they will get the point. I will file a complaint on this number. I was also thinking about changing my phone number, do yo think that is an option? Do you recommend not paying anything on the pdls that have yet to respond back and its been like 4 months...

if an illegal doesn't respond move on.also changing your number should be a last resort besides they are calling others and harrassing them.have them ignore the calls as well.

thanks for the help Paul. And I just want to verify all payday loans are illegal in Massachusetts right? The ones I never heard from Red Leaf Lending, One Click Cash, Mobiloans,Snap Credit, and then just the famous emails and letters from Cash Call, and the harrasment from Vip Loan

Massachusetts Payday Loan Laws:
State Legal Status: Lending of payday loans are prohibited in the State of Massachusetts.

one of my pdl's with instant loans usa back in january had agreed to me paying only rest if principle which was $120. I told them i would mail out a money order in february but then i needed to catch up on other bills so i never did. now they have left me two messages saying i need to call or they are going to statt the collection process. should i even bother responding to them?

Sure ...respond...

Dear PDL lender

I would remind you that you are an unlicensed lender and legally I owe you squat. I am only morally repaying the principal. I will repay this at MY convienence. Sure you can go ahead and send me to collections...and I WILL cease and desist any collection agency you send me to informing them that the debt they are collecting on is a illegal loan and thus null and void. Should they choose to violate that cease and desist order, I will happily collect statutory damages from them under the FDCPA. So, stop calling and back off....you will get your money when I am ready to pay it.

You are great always love your come backs. Im going to email them that tomorrow:)... Another forum member sent me a message about cash call because I had responded to her posting about how I tried to get cash call off my crwdit report. Anyhow she told me I should try to work out a payment plan with them because they sued her. How can that be if they are illegal? She lives in California so I dont know if that makes a difference? She said it went to Delbert services who wanted $4500 on her $2500 loan the she got paperwork from the courts saying she only had to pay the $2500 so Im confused now.

Cash Call is legal in California - loan was more than likely with them originally. and even the court only went for the original principal of $2500.

Ah got it. Just wanted to make sure, it gets so confusing with different laws for different states cant keep up

so what do you think it means when the pay day loans we email and never get a response from lock us out of our accounts online? do we even try to get a response from them again? its been about 5 monthd on a few of them. And I havent heard from cash call in awhile either. i was getting those stupid letters and emails but havent in about a mknth or so. wonder what that means???

I would not continue sending them anything - all of them you know have received your revocation letters.. your money is obviously safe from them, if you did owe anything left on principal they would have had to agree to what you were offering before you were going to send anything. So, since they did not reply then they obviously don't want their money.. As for Cash Call - your loan originated with WS - correct? If you try to log in there what do you see? have they sent to Delbert for collection?

yes it originated with western sky, i have been logging into cash call i can try logging into western sky

When you log in to Cash Call what do you see?

When I log in to Cash Call today - I get this message: "An account does not exist at CashCall for the login information you entered". - prior when I logged in on the 24th of March it told me: "The login information you used indicates the loan is being serviced by Delbert Services. We provided the link for your convenience. Please use this link in the future to access your account online. Thank you."

unless these pdls are waiting to send to collections and try to ge it that way so they dont haveto agree to my terms? ok so when i try logging into western sky it bounces me out and tells me that my loan was transferred to cash call and i must sign into their website. when i sign into cash call it just shows my loan and he list of payment dates.

If they send to a collection agency - you will just C&D them for attempting to collect on unlicensed and illegal lender in your state.. end of that.. until they sell to someone else and then you just repeat...

If you are still seeing your account info on Cash Calls page you are still in their system for now.. from Oct 2012 to Feb 2013, I was getting something about once a month - could just be a lag in the mail, then they sent to Delbert in March 2013 - I sent them a C&D and have not heard from since.. I would keep waiting.. if it seems like a while has passed you can try logging in again to CC and see what it says.. I would just wait it out and see what they send next - what is the last thing you got in the mail from them?

the last thing i got was just the usual letter trying to get me to agree to their payment arrangement which was more than what i owed.

Just keep filing those away - you are still in the process with them.. just don't respond to any of them.. keep us posted on the progress!

oh i have, also he ones i never heard back from i just wrote down the names and amounts owed and filed it away.

If you have print outs from the bank on what you already paid - I would keep those with also... Great Plains I printed all from their site prior to them blocking me out..

good idea

I figure the more you have in writing if you ever need - the better!