Letter from Credit Protection Depot aka Discount Advances.
Date: Mon, 07/13/2009 - 08:48
Please call this office immediately to discuss your account.
If you do call we can continue to work with you and keep you in good standing.
It is important for you do this so that the account is not continuously debited which could result in additional returned transaction fees at your bank, and with us.
I will work with you to resolve this matter, but we must have your cooperation; and just remember that our company does not do credit checks and we now loan up to $1000.00.
Isn't it nice to know that if you simply call and make an arrangement that you will still be in good standing with our company?
Communication is the key. If you do not call you may lose your opportunity to save and may even lose your standing with this company.
We can give you courtesy days or allow you to wire in your funds.
If you wire in your money we will not have a need to debit your account and can still keep you current.
This is your western union wire transfer information.
You need to go to Western Union and get the BLUE QUICK COLLECT FORM (or go to westernunion. com and choose the quick collection option)
1. COMPANY NAME: CREDIT PROTECTION DEPOT
2. CODE CITY: OFFER (ONE WORD NO SPACES).
3. STATE: NEVADA
4. ACCOUNT NUMER: Your Social Security Number
5. The reference number is your telephone number
You can also use your debit card or various charge cards at westernunion. com
OR you can go to Moneygram and get the BLUE EXPRESSPAYMENT FORM
1.The Company name is: CPD-OFFER
2.The Receive Code is: 4243
3.The City is: Las Vegas
4.The State is: Nevada
5.The Account Number is:
If you are unable to pay $1465.00 for the entire balance on the loan, then we must require a minimum payment of $488.33 to place the account on legal hold.
If this account is referred for further review and action to our outside firm for additional collections efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be responsible for all additional fees associated with costs involved for the collection of this debt.
Call me today at 1-866-645-1661.
Your prompt attention and direct communication is necessary.
Sincerely,
CREDIT PROTECTION DEPOT
**Please Do Not Reply To This Email**
Thank you guys so much!!
Tell them they now have 5 days after their intitial contact with
Tell them they now have 5 days after their intitial contact with you to send you a dunning letter in the mail, per federal law. After you receive a dunning letter (you most likely won't), you can request valdiation of the debt.
That is the standard email form letter they send out. They sent
That is the standard email form letter they send out. They sent me emails for about 2-3 weeks and then stopped. Everytime I got an email I would send them back the c & d letter. Sometimes I sent it (email) 20 times a day just to fill thier in-box. They called me for while as well. Not bad though usually only once a day sometimes twice. I never answered and would just send another C&D each time. Its been about 3 months now for me since I closed my account and I have'nt heard from them in a month or so.
I will look and see if I can find the email I used.
Thank you both for your suggestions. I faxed my C&D letter agai
Thank you both for your suggestions. I faxed my C&D letter again but my e-mails have been returned as undeliverable. I went ahead and also sent a letter that outlined what I loaned from them and what I paid in interest and requested a refund. Can't hurt. I will send another letter giving them 5 days to respond by mail. It is odd---I sent my C&D and have never received a phone call from them. Nothing except for this e-mail and their message on-line states that I have to call them in regard to my account.
This site has been a great tool in dealing with these people. I don't know what I would have done with out your support. AND Shazzers--your kitty is adorable!
sorry I got a bit distracted. here is the email that I used:
sorry I got a bit distracted. here is the email that I used:
support (at) creditprotectiondepot.com
got another letter today!
I have been e-mailing and faxing my C&D DAILY and today I got another e-mail from Credit Protection Depot...it's funny though. It says that they have been calling me and so far the ONLY correspondence I have received from them is this lettr. Here is what it says:
Your bank returned the debited transactions to repay your loan obligation. Your account is now seriously delinquent. I have made several attempts to contact you both by phone and e-mail, with no response by you. I am attempting to make arrangements to settle this account. I am the last contact you will have with Credit Protection Depot before this account is turned over to an independent outside agency.
I feel I should remind you that your agreement states, you will be responsible for all collection fees, court costs and attorney fees associated with collection of this debt. If the account is turned over to an Outside agency they will charge additional fees over and above the amount you currently owe and will take whatever steps necessary for the total fees due which could possibly include a court appearance for a possible judgment be issued against you for the repayment of this legally binding debt.
I also feel I should tell you this action may not only affect your credit report rating but is also listed on the Tele Track System, which is used by Cash Advance Loan companies, rental companies, and other businesses, in determining whether or not to approve a loan. This could prevent you from even receiving a cash advance loan any where in the U.S. We must require that you render your payment in the amount of $1502.50 via western union quick collect or money gram immediately. This payment reflects your balance as of July 16th 2009.
You need to go to Western Union and get the BLUE QUICK COLLECT FORM (or go to www.westernunion.com and choose the quick collection option)
1. COMPANY NAME: CREDIT PROTECTION DEPOT
2. CODE CITY: OFFER (ONE WORD NO SPACES).
3. STATE: NEVADA
4. ACCOUNT #: Your Social Security Number
5. The reference # is Your Telephone Number
You can also use your debit card or various charge cards at www.westernunion.com
OR you can go to Moneygram and get the BLUE EXPRESSPAYMENT FORM
1. The Company name is: CPD-OFFER
2. The Receive Code is: 4243
3. The City is: Las Vegas
4. The State is: Nevada
5. The Account Number is: 1432484021
If you are unable to pay $1502.50 for the entire balance on the loan then we must require a minimum payment of $500.83 to place the account on hold.
If this account is referred for further review and action to our outside firm for additional collection efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be responsible for all additional fees associated with costs involved for the collection of this debt.
IF THIS HAS BEEN AN OVERSIGHT ON YOUR PART AND IF YOU WISH TO REPAY THIS LOAN, PLEASE SEND YOUR PAYMENT OR CALL US IMMEDIATELY.
Please contact our office at 1-866-645-1661, immediately upon receipt of this notice in order to stop further collection action from being taken on this account, it will only benefit you to do so.
Sincerely,
Credit Protection Depot
**Please Do Not Reply To This Email**
You can contact us at our toll free number 1-866-645-1661.
So, my question is: who is the "new" collection agency? Has anyone been through this with CPD? Any suggestions on how to reply? Thanks!
Another form letter from them. I've read this letter by other me
Another form letter from them. I've read this letter by other members which CD has sent.