??

You cannot C&D a first party. ....fdcpa doesnt apply to them.

so when do you send c&d letters? when they start harrasing you?

When I started the process the first thing I did was secure my bank account before my payments were due. Then I sent C & D letters to all of my pdl's, then when I started getting calls from collection agencies I sent them copies of the C & D letters as well. I filed complaints with every agency I could think of.

I am confused about the comment of not sending C & D letters out? Please clarify because I thought thats what I was told to do and I think most of us have done that.

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well SOAPLADY is right about that.some people send C&D to the pdl's.the reason they don't work with them is because they are the OC.even if they are illegal.when the pdl's send the account to collections that's when a C&D works.don't get me wrong though,if a pdl is illegal or loans in a state where pdl's are illegal a C&D sometimes works,but it's not a guarantee.

Cease and desist demands are only lawfully effective on a third party collector, however, IMHO, there is no law saying you CAN'T demand them to cease contact with you, most won't follow it, but some will.

Okay, I have found adresses for some of the pdl companies that I have loans with. Some have multiple addresses, so do I send ACH revokeing letters to all addresses, do I fax them and email them also? Do I send the letters after I close my bank account? Just want to make sure I am doing things correctly.

these are the PDL people I have loans with

CashnetUSA

Nortway Financial (cashtransfercenters.com)

United Cash Loans

OneClickCash

Stcadvance.com only have phone # for them, is there any other way to contact them?

What about laws in regards to calling you at work? I heard if they know they are not allowed to call you at work, then it is illegal. At least that's what it is in Texas.