Another reply from payday loan YES, and they still call daily.

My main issue is that the contract is different than the Indiana state laws. I live in Indiana so is that the law I go by, it's the place I lived when I got the money, or does it go by where they are located?

you go by your state laws.this pdl is not licensed in any sense of the word.file AG,FTC,and BBB complaints.until you do they will continue to harrass you.

can you file these without a formal address, I can't get them to give me a physical address EVER.

Here are a couple of addresses I have, they may not be any good anymore, one never knows when it comes to illegal pdl's.

Payday Loan Yes
Oranyan House Shirley Street
P.O. Box SS 19935
Nassau, NA
Bahamas
8005506051 Fax -- 8006057419

Paydayloan-yes
P.O. Box 571992
Murray, UT 84157
(888)227-4638

Here's a new email I just recieved regarding this acct.

Amy: Last Name removed by Shazzers for your protection: Your account is delinquent and is now in the collections process. I am inthe position to offer you loan payoff as listed below. As of today, your total account balance is $590; loan payoff is for $510,payment arrangements are for three (3) payments $170 due on 12-19-08,01-02-09 and 01-16-09, payment method is Visa or MasterCard debit/creditonly. See your payment instructions listed below. Payment Instructions * To confirm this loan payoff you will need to provide your Visa orMasterCard debit or credit today, see payment form listed below.* Since payment is a time sensitive matter, your prompt paymentconfirmation remittance will avoid further collection actions This is a loan payoff, meaning once you confirm this payoff by providingyour card information, your account will then be removed from thecollections process, your balance will be frozen and no further charges willbe assessed on the loan balance as long as you follow through with theagreed arrangement. Regards, Karen Lamb Advanced Collections800-654-7444Ext. 846

lol They just never quit, I wouldn't give them ANY banking or credit card info, they are nothing more than loan sharks!

I would tell them, no address, no payments, AND I would send them money orders only. They aren't in any position to negotiate, if they want their money back they will need to meet your terms. :D

I did write them and say NO bank cards, credit cards or checking account NO western union, only money orders to an address. I also copied all to the FTC, BBB and AG office.

Here's what I got again.

Again, as indicated in my original email we only accept electronic payments. Your other payment option is Western Union.

As of today, your total account balance is $590; loan payoff is for $510, payment arrangements are for three (3) payments $170 due on 12-19-08, 01-02-09 and 01-16-09, via Western Union.



To confirm this payoff you will need email back and specifically confirm this payment arrangement as listed above. Once you have done that I will email you with Western Union information.



This is a loan payoff, meaning once you confirm payment your account will then be removed from the collections process, your balance will be frozen and no further charges will be assessed on the loan balance as long as you follow through with the agreed arrangement.



Regards,

Karen Lamb

Advanced Collections Department

1-800-654-7444

x846

Check out this info that I have posted.
I have confirmed that First Nat'l Services aka Payday-Loan-Yes is physically working out of a mall in Delaware.
File a complaint with the state of Delaware.
I have checked under all their aliases and can find no business license for them either.
http://www.debtconsolidationcare.com/paydayloan/firstnatlservices-pdlyes.html

I would just repeat myself, no address, no payments. That would be my only reply to their silly emails.

Sounds like this company is a pain in the ass to deal with. Lemme guess also theatening criminal prosecution too like they are to me?

why not?they did it to me too.before i got my AG involved.

Yes, I have received several threathen calls. The last one was today stating that will issue a supeonea. I have paid the loan amount more time over and they are still being greedy. Can they do this?

Fill a complaint to the BBB and you state attorney office and then sent them a copy. Your terms not theirs...

Quote:

If you've read any of my other posts you might have noticed that I mentioned one PDL who called me pretending to be a collection agency. That lender was P-L-Y. The genius who called left a voice mail message that contained several violations of both the FDCPA and PA's Fair Credit Extension Uniformity Act. The funniest part had to be when he compared me with dog do-do. Of course, I saved the message (after I stopped laughing), filed complaints with the AG and FTC, and then sent P-L-Y the following email:

I have previously been in contact with you regarding the illegality of the payday loan you allege I owe you. I have made it quite clear that I was only willing to repay any prinicpal balance less any payments already made.

However, let me restate that position. As of Februaury 2 2009 it became illegal for lenders who are not licensed in the Commonwealth of Pennsylvania to issue payday loans over the internet to PA residents. This regulation by the PA Dept of Banking has already been upheld in court, and I notice that most payday lenders no longer issue loans to PA residents. Since you have issued me an illegal loan, you have violated PA law.

I recently received a telephone call from someone who identified himself as "Kevin Andrews" from "First National Services Litigation Department". This gentleman foolishly left a very abusive message on my voicemail. Be advised that I am aware that "First National Services" is a bogus name that your employees use when making collection calls. Be further advised that I also know that both the telephone number the call originated from as well as the 800 number left in the message belong to your company. Additionally, I also am aware that your actual business location is in Wilmington, Delaware.

This phone call was a clear and egregious violation of both the Fair Debt Collection Practices Act and the PA Fair Credit Extension Uniformity Act. Be advised that I have permanently saved the message as well as documented from my phone records the date and time of the call. I have also filed complaints against you with the PA Attorney General's Office, both for the illegal lending and the abusive collection practices.

I am also aware that there is absolutely no legal action your company can take against me. There is, however, legal action I can and will take against you for your violations of the above-mentioned laws.

Accordingly, I am no longer willing to enter into any repayment plan or pay anything on any debts you allege I owe you. I further demand that you IMMEDIATELY CEASE AND DESIST ALL CONTACT. This includes contact from your company, any bogus collection agencies you may pretend to be, as well as any actual collection agencies you may employ. If you fail to adhere to this demand, I will not hesitate to proceed to sue you in a Pennsylvania court of law.
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This was in October. I've never been bothered by them again.