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Next Step To Ending The PDL Nightmare?

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Hello Good People,

Thank you so much for all the helpful info you've provided so far. This has been a rough weekend for me mentally (I suffer from acute anxiety to begin with) and I'm wondering if you can advise me what's going to happen next?

Bank account has been closed-cannot be forced open.

Direct deposits are going into the new account.

The employer has stated they will not grant voluntary wage assessments-they will only garnish if they have a court order with a case number (to put into the computer). We're going to provide a letter anyway just to be extra safe.

C&D Letters have been mailed (certified with signature confirmation) although now I'm not sure the ones for Credit Protection Depot went to a current address.

These PLD accounts were opened over 2 years ago, and I don't recall who the references are that were listed, but we have advised those that might be getting calls whats up.

The debits were scheduled to come out last Friday, July 25th. My question is, what's going to happen next? When will the calls start coming in? What do I tell them?

Thanks!
WJ




heres an email that came late last night from paychecktoday:

Your last payment was returned. We are now offering you a settlement
on this account prior to sending this to the credit bureau and a third
party collector. We attempted to contact you via email and telephone
on several occasions with no success. Please respond to this email
asap and advise as this is a one time offer that will be void after 3
business days. We accept the following forms of payment:

VISA
MASTERCARD
MONEYGRAM
DIRECT DEBIT FROM BANK ACCOUNT

Please respond asap to settle this account.

Sincerely,

Paychecktoday
Recovery Department
866-756-0600

They have been mailed a physical C&D letter as well as 2 over email. What do I do next?
Note: the payment was just returned last Friday-there have been no calls (thankfully) and this is the second email. I overpaid this company by $35.00.

Sub: #11 posted on Wed, 07/30/2008 - 04:38

jt jt

(Posts: 101 | Credits: )

I would send back this reply, but that's just me. :lol:

NO THANK YOU!

I mean for crap sakes, they are illegal!

Sub: #12 posted on Wed, 07/30/2008 - 05:01

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

Shazzers :)

I'm trying to get at least at PIF from them. Do I resend the C&D letter (which explains they're illegal in IN)?

Sub: #13 posted on Wed, 07/30/2008 - 05:12

jt jt

(Posts: 101 | Credits: )

Yes indeed you should, in fact, I sent emails to my pdl's over and over, I stressed that they were in violation of the law, I demanded they reciprocate with a PIF letter. But yeah, if I were you, I would resend the same letter each time they reply such as above. :)

Sub: #14 posted on Wed, 07/30/2008 - 06:29

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

Actually, highlight your laws where it says "prohibited", make it clear to them you are NOT paying another dime, and demand a PIF letter. Oh my, this kind of thing makes my blood boil. :x :lol:

Sub: #15 posted on Wed, 07/30/2008 - 06:31

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

done :)

Sub: #16 posted on Wed, 07/30/2008 - 06:58

jt jt

(Posts: 101 | Credits: )

this just in from creditprotectiondepot:

Credit Protection Depot
1-866-645-1661

CLOSED ACCOUNT WARNING


We have received information from your bank that you have closed the account, which you authorized to be debited in order to repay your legally binding loan obligation. We consider this to be a refusal to repay your debt and will immediately initiate action to protect our interest. We must require that you render your payment in the amount of $334.38 via western union quick collect or moneygram immediately. This payment reflects your balance as of July 30th 2008.

We may also initiate other action, which may include, but not be limited to, obtaining legal representation, (which would create additional charges to you), if we do determine that a request be made for service or a court appearance for a possible judgment be issued against you for the repayment of this legally binding debt.

Depending on the circumstances surrounding how you obtained the loan, we may also initiate internal investigation to ensure all information submitted on the loan application was accurate and not done fraudulently in order to attempt to obtain a loan under false pretenses

(payment info, where to send ect)
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.

Please call us immediately with the Control Number of your wire in order to update your account and to avoid other action and charges to you.

I would highly suggest you call 1-866-645-1661 to resolve this matter immediately. This is the only way for you to resolve this very serious situation, which you have initiated. Your failure to do so may result in the above-mentioned action being taken

Thank you,

Credit Protection Depot

next step guys?

Sub: #17 posted on Wed, 07/30/2008 - 11:29

jt jt

(Posts: 101 | Credits: )

I guess the C&D letters are either being ignored or not received. Phones ringing pretty good around here.

I don't have a fax machine and the only place I know of is $2.00 a sheet.

Anyone have an email for creditprotection depot?

Sub: #18 posted on Wed, 07/30/2008 - 14:05

Unregistered


oops-forgot to log in. the above is mine.

Sub: #19 posted on Wed, 07/30/2008 - 14:06

jt jt

(Posts: 101 | Credits: )

When I dealt with them the communication came from "CPDCustomerSe rvice@CreditProtectionDepot.com". Anyaroberts has indicated that they are no longer at their previous address and this email is not working. Give it a try, You have nothing to lose.

Sub: #20 posted on Wed, 07/30/2008 - 16:33

llw1995 llw1995

(Posts: 1422 | Credits: )

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