I need help

okay. thank you goudah. they are acting like they never received the first letter i sent.

Yeah, that can be normal.

i did exactly what you said. i erased their email to me and put my letter to them in the email instead. LOL

Most pdls are computerized. They just generate the emails according to the due dates. The computer, I'm sure, sent you the email to see if you want to renew, etc. You did good. Do not respond to those and keep on sending your original letter. Even if you have to do it 50 times. Almost all are computer generated. They'll send you an email saying "Thank you for your payment" when indeed the debit was rejected. Sometimes it takes them a couple of weeks to catch on that they're not getting their debits. That's when they'll start hitting hard with the phone calls.

okay i got my first phone call today from a Sharon Williams at Westbury Ventures. I have no idea who westbury is. She left a voicemail. said that i need to contact her because she is in receipt of my letter. she said that i dont have the option of mailing in payments because they gave me the funds electronically not through the mail. And that this loan is an internet loan and Ohio laws do not apply. What do I do? She is calling my job! She was very ignorant.

now I got an email from Westbury Ventures telling me that they no longer make arrangements via email, that I had to contact them via phone.

wow aminah, i am dealing with the loan shop too, they did the same thing, i just resent the letter, and i dont think they have a choice but to take it through the mail, since i revoked them from touching my checking acct.

Westbury is hard to deal with....I have been coping with these people for 5 months now. I have my all my debts with a debt counselor..they have been in contact with them to make arrangements to pay my loan. Westbury still sends e-mails asking me to arrange payments by phone. I do not call them..just e-mail them back and tell them to contact my debt counselor..they represent the pdl I got my loan with
back in June. It was illegal in Indiana ( where I live) then and even more so now with our new laws.
Just set-up a plan to pay them what you can..mail it to them and only contact them by e-mail or USPS..stick to your plan....they aren't known for doing much else except harassing you.

I just received this email from a Carmen Hernandez from CMG:

Quote:

aminah, yes it is possible. If I remember correctly, all of your pdls were unlicensed/illegal correct?? If this is the case do not worry. Evantually, the collection agency will contact you and we will help you with a letter requesting validation of the debt. Do not worry. Sometimes the outside collection agency is a division or related to the pdl. Again, they are just trying to scare you. I have four in collections and I have to say it is much quieter.. :lol:

Thank you Roxy! I will just sit back and wait then.

I was just reading another thread about this Sharon Williams person. She sounds like a beast! Should I call them before they call me again? Or should I send them another copy of my letter?

am, keep everything in writing. You are starting to freak out. Do not freak out. It's okay. You need to keep everything documented. Especially with illegal companies, okay? Do not call. Just do everything via email or USPS. You will need all documentation.

okay cannr. thank you. i have enough stress going on in my life, dont need this chick sharon harassing me right now. i will just forward her phone calls to my voicemail from now on.

im sorry if i sound like im flipping out. i am getting nervous.

You have every right to be nervous. These people harrass people! My gosh! That's why it's best to just not take the calls. They will get you more upset and no telling what they will say. Getting an email, you can read it, freak out, post on here, get advice, then respond to the email on your own time and you'll be thinking straight. Do not worry. We are here for you.

Aminah...Don't worry..I even freak out about stuff and I have been going through this a little longer than you. That is one of the reasons we are here. So you can freak out and share with us. We are all here for each other. Hang in there!! :D

Thank you guys. I never did call that Sharon Williams back yesterday. And she didnt call me back either. Maybe she will call today, nonetheless, I am letting all calls that I dont recognize to the voicemail. I am not trying to hear anything she has to say.

Aminah- I have been dealing with a collection agency for almost 2 years- and there are times I freak out!! I freaked out when they called and then freaked out when they didn't :lol:

Hang in there- we are all here for you!!..karen :D

thank you.

i defaulted on all my pdl's this past friday and so far out of 7 of them only 1 has called me. two of them just sent me to collections immediately without any contact and i havent heard a word from the other 4. uh oh there goes my phone ringing, i wonder who that could be? LOL

I got a message from Susan Hewitt and she left me a message to call her back and never gave me where she was calling from. Well I called it back but they left me on hold so I hung up. Now check this out! The chick called back and told me that she was calling because they were having and event next month and Texas Roadhouse was letting them set up a jail in their restaurant and she wanted to know if I would be willing to let her lock me up! :shock: I asked her who gave her my name and number and she said that she wasnt allowed to tell me. WTF. do i have stupid written on my face? She claims that the proceeds go to Multiple Sclerosis charity. I told her that I am new to this area and I dont know anybody and NO I dont want to participate. She tried to coax me into it. Then when I said no again she asked me if there was anyone I wanted to refer for "lock up". I said no and hung up on her! :shock:

now could it have been "sharon" who is trying to have me "locked" up????

am I being paranoid in thinking someone is trying to set me up??? :(

ok yall i just recently saw my namk statement i neva paid any attention to now!!!! i had a pdl with world wide cash which i paid in full but now they are trying to take $25 from me as well how can that be and i also paid off bank of delaware too and got a new loan with them but they are currently still taking out the same amount from the other loan plus the new loan what do i do

that namk should b bank

okay i contacted Texas Roadhouse and found out that i was paranoid for no reason! :oops: they really are having an event to raise money for the MDA! LOL I told her that I will call the lady back and apologize for assuming she was trying to set me up. LOL :oops:

aminah, don't feel so bad about being paranoid, I called my old bank today to confirm that the freeze/hold is still on and I reacted so much differently than I used to act calling the bank, I was actually paranoid in giving out my info (name, rank and serial number) I have gotten to this point that I am leery of EVERYONE, I have been watching this other thread here today and the guest wouldn't register or give info on the pdls that they are dealing with, I actually got the feeling that this could be pdl spy. How ridiculous is that ?

OH WOW! A pdl spy??? They have those??? now you really got me paranoid. Im to the point where I wont take a phone call at work unless its a local number. I let everything go to voicemail and just call them back if its important. :( this PDL mess is depressing.

I guess the old saying "live and learn" really is true. I am glad that when my husband calls me at work he calls on the cell. and when my daughter calls after school she always calls at a certain time..any others I let go to voicemail.

Im going nuts with this Loan Shop PDL! Today they are trying to hit my account for $480!! :shock: I borrowed $300 back in August and have OVERPAID them $450.00!!!

a, I understand that your bank account is to the point to where it is rejecting debits, correct? You have to LOVE the pdls. They will continue to attempt to hit your closed account for months. They are relentless.

Not only relentless but ANNOYING! Each time they do it I have to go downstairs and sign affadavits in order for them to return the transaction and get my money back.

Oh my Lord! Honey, this could go on for months! :shock:

Well they will just keep getting charged by their bank because I dont have the funds and already revoked their authorization. If she wants to be hard headed then two can play that game.

Guess what? I got a RELEASE FROM LIABILITY letter from Westbury Ventures! :D

Congrats! File that away somewhere safe!

File it? Shoot! I'm framing that sucker!!! LOL :D

Make sure the frame is gold plated :wink:

I have a friend in our payroll dept and stopping a direct deposit is very easy, at least in our companies case, is it more then matter of getting them to process it quickly for you. I was able to stop my direct deposit two days before I got paid. I would just talk to the payrole dept immediately and tell them you are having problems with your bank account and that you need a papercheck. I am sure that they would understand..

I was reading the first page and made a post about th direct deposit, pretty far back in the conversation sorry about that.

A Gold Frame is a great idea, you can start collecting PIF's letter and hanging them on your walls.

OMG! :shock: From Westbury! Way to go! Hell, frame it, hang it, make copies, paste it to your car, hang it up at work, make wallpaper out of it, line the birdcage with it, let the doggie pee on it......
Congratulations to you! :D One jerk off your butt!

ROFLMAO!

Congratulations Aminah! Good things happen to good people. :D

how long did it take you am?

VOLLEY!!!! YOURE BACK!!! :cry: THANK YOU SO MUCH! IT FEELS REALLY GOOD TO SEE A POST FROM YOU! I MISSED YOU SO MUCH!!!!

jay i think i defaulted about a week and a half ago but i sent my letters on oct 30th. i got one phone call from a sharon williams and an email from westbury ventures. i responded to their email with a copy of the letter again and yesterday i got a release of liability from them. my letter stated i overpaid them and because they werent licensed in my state that i wasnt giving them another dime. so woo hoo to me....one down 6 to go.

The number I called 877-224-7371 is an answering service. they won't call me back and they are taking out too early. Does anyone know who these people are?? how do I stop them... they just put my account almost 300.00 in the hole... there goes my christmas for the kids!

shelby i got this from another thread. hope it helps.

http://www.debtconsolidationcare.com/paydayloan/starlightfs-achloans.html

it looks like that number belongs to ACHLoans. Did you take a loan with them?

Aminah Is it really you ?? I miss you loads.

woohoo!!