Please help Clarify This mess!
Date: Mon, 06/25/2012 - 17:48
I recently received a call from S & S recovery services telling me that they are collecting on a Payday loan from 2+ years ago, (which I paid)
So I told him I will need something in writing, and now received a letter
stating the
Original creditor.....Pack Management Group, LLC
Creditor....................SKW Capital LLC V
Account.#...................xx78
Client Account#..........122XXXXXXXXXX
Balance.....................$682.33
I now know that Pack Management Group is illegal in Illinois, I don't know who SKW Capital LLC is, and I surely don't owe $682.33. It has only been a couple days since I got this, and already S&S left me a message on my phone today to call them asap! This does not fit the forums'
information of what a DV letter should be so I am preparing a DV letter
using the samples on the forum. Can anyone make sense out of what
they sent me here? It hardly validates much here......The original loan was for $300, so what the heck? I remember paying this off.
So I told him I will need something in writing, and now received a letter
stating the
Original creditor.....Pack Management Group, LLC
Creditor....................SKW Capital LLC V
Account.#...................xx78
Client Account#..........122XXXXXXXXXX
Balance.....................$682.33
I now know that Pack Management Group is illegal in Illinois, I don't know who SKW Capital LLC is, and I surely don't owe $682.33. It has only been a couple days since I got this, and already S&S left me a message on my phone today to call them asap! This does not fit the forums'
information of what a DV letter should be so I am preparing a DV letter
using the samples on the forum. Can anyone make sense out of what
they sent me here? It hardly validates much here......The original loan was for $300, so what the heck? I remember paying this off.
SKW is either Sky Capital or Western Sky Both of them are illega
SKW is either Sky Capital or Western Sky Both of them are illegal. You need to read this: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
Sky Capital LLC (SKW) is the collection agency. It's not Western
Sky Capital LLC (SKW) is the collection agency. It's not Western Sky.
This is "verification" of debt, not validation. I would send a C&D and tell them that you repaid the principal balance of the original loan, although you didn't have to do so as the contract was invalid due to the fact that the lender is operating illegally.