Collection Call from United on Behalf of JHS Marketing
Date: Wed, 03/20/2013 - 14:37
So I got a collection call today from United Collections Recovery on behalf of JHS Marketing.
Backstory:
JHS Marketing is a payday loan I took out over the phone after they sent me an email when I filled out info online. At the time I took the loan I asked them if I needed to sign anything and they said no. Then later I had a "loan agreement" in my inbox that had my name typed at the bottom (so it appeared as if I had signed it, when I did not)....Long story short, I have many other payday loans I'm dealing with, but after I found this forum, I sent JHS an ACH revokation letter by email and asked for an address where I could send them back the principal balance. They wrote back "Since you are revoking authorization the account will be sold to an outside collection agency as it states the contract that you signed. Thank you." I responded with something about I had every right under federal law to revoke ACH authorization and that I was simply asking for an address where I could send payment. I received no further communication until a few days ago stating my account had been sold to collections.
United Collections Recovery called today and left me a message. They told me they would be filing with my county's court for the debt and that I had been "notified". I called them back, explained that the loan was illegal and that I had tried reaching out to JHS, but they were uncooperative. The chick gave me to the manager.....He said he understood, but that there is no current federal ruling about payday loans online not being legal (meaning they aren't, but they are - it's in limbo kinda thing). - I told them about how the loan was illegal and how I spoke with the IA division of banking about it, they gave me the "moral obligation" crap. The manager there leveled with me that payday loans were garbage and he didn't really care what I decided to do, he just wanted to know. I told him I tried reaching out to them to pay the principal and they shut me out, so as far as I was concerned they could get bent and eat the principal too since they wouldn't work with me. My question is how do I proceed going forward? Do I ask them to send me a letter of collection? Do I send a validation letter? Do I send a cease and desist. I don't want to be taken to court over this nonsense, but I'm pissed off they wouldn't work with me either, so as far as I'm concerned they're not getting the principal either. What should I do?
Backstory:
JHS Marketing is a payday loan I took out over the phone after they sent me an email when I filled out info online. At the time I took the loan I asked them if I needed to sign anything and they said no. Then later I had a "loan agreement" in my inbox that had my name typed at the bottom (so it appeared as if I had signed it, when I did not)....Long story short, I have many other payday loans I'm dealing with, but after I found this forum, I sent JHS an ACH revokation letter by email and asked for an address where I could send them back the principal balance. They wrote back "Since you are revoking authorization the account will be sold to an outside collection agency as it states the contract that you signed. Thank you." I responded with something about I had every right under federal law to revoke ACH authorization and that I was simply asking for an address where I could send payment. I received no further communication until a few days ago stating my account had been sold to collections.
United Collections Recovery called today and left me a message. They told me they would be filing with my county's court for the debt and that I had been "notified". I called them back, explained that the loan was illegal and that I had tried reaching out to JHS, but they were uncooperative. The chick gave me to the manager.....He said he understood, but that there is no current federal ruling about payday loans online not being legal (meaning they aren't, but they are - it's in limbo kinda thing). - I told them about how the loan was illegal and how I spoke with the IA division of banking about it, they gave me the "moral obligation" crap. The manager there leveled with me that payday loans were garbage and he didn't really care what I decided to do, he just wanted to know. I told him I tried reaching out to them to pay the principal and they shut me out, so as far as I was concerned they could get bent and eat the principal too since they wouldn't work with me. My question is how do I proceed going forward? Do I ask them to send me a letter of collection? Do I send a validation letter? Do I send a cease and desist. I don't want to be taken to court over this nonsense, but I'm pissed off they wouldn't work with me either, so as far as I'm concerned they're not getting the principal either. What should I do?
YOU WON'T BE
this is a bottomfeeder.either file AG,AND FTC complaints and ignore them,or just ignore them.they aren't going to do diddly squat except call and stupidly threaten,and argue.
