Advance Me Today
Date: Mon, 02/11/2013 - 08:33
"We cannot consider your account as paid in full as your remaining balance is $450.00.
Please be aware we are working based on the Loan Agreement that you signed at the time of accepting our Terms and Conditions.
We will remain our payments as scheduled according to your pay frequency and in case of default our Recovery Department will contact you.
If you have any further questions, don't hesitate in contacting us again."
I replied back stating this:
"Thank you for your response. I am not a citizen of St. Vincent. I contacted the Michigan Office Of Banking and they advised me that you are un-licensed in the State Of Michigan. This voids the contract, Loan Agreement. Furthermore, she stated all Michigan residents are subject to Michigan laws regarding loans, regardless of where the loan originated. I have also contacted The Michgan Attorney General's Office.
At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $150.00 overpayment. A refund check of $150.00 should be mailed to me at the address listed below. Failure to do so will result in legal action against your company.
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email."
They are unbelievable. Not sure how they will respond.
I've been dealing with these
I've been dealing with these clowns at AMT too. I gave them almost 800 on a 400 loan. I also demanded a refund. I got my State AG involved. They tried to take out 300 last friday as a "final payoff", but my account was already closed.
My favorite response to
My favorite response to illegal lenders
Dear _________
I printed your email and wiped my ass with it...you should do likewise as you are so full of shit. You know as well as I do that you have no legal authority to lend or collect in a state where you are not licensed. I am not going to waste my time arguing with you. Mark my account as paid in full as you will not get another penny from me. At the same time, I demand that you cease and desist all verbal communications with me...I want all your illegal threats in writing.
Go ahead and send me to collections....I will cease and desist the collection agency. If they choose to violate the FDCPA by contacting me after the written cease and desist, I will gladly collect $1000 in damages under federal law.
You may send me one email informing that you have marked my account as paid in full. Other than that, I expect never to hear from you again.
Govern yourself accordingly
