Pay Day One Help

Date: Sat, 05/16/2009 - 15:50

Submitted by anonymous
on Sat, 05/16/2009 - 15:50

Posts: 202330 Credits: [Donate]

Total Replies: 5

So back in April I asked Pay Day One for a copy of their license to operate in the Commonwealth of Kentucky. They sent a copy of the agreement that I signed, which I forwarded to the Kentucky Attorney General (haven't heard back from them yet). Then Pay Day One stopped taking debits from my account (I had not at this point requested this). I had one more email from them stating that my account was overdue - to which I repllied that I was waiting to hear from the Kentucky Attorney General and would respond upon receipt of the KAG's ruling. I also filed a complaint with the BBB. Today, I received a call from someone who was asking for my attorney's information and wanted to explain to me the affadavit (sp?) as National Pay Day (who services Pay Day One) was going to file a lawsuit against me. He asked if I had ever had a judgement made against me and told me that I had ignored contact with the original creditor and that they had decided to file suit. Is this just a tactic to get me to pay or will it really happen?

Thanks

They actually can file a complaint against you, Payday One is us

They actually can file a complaint against you, Payday One is usually licensed to lend in all the states. Have you tried to work out a payment arrangement with them? Has this been sent to collections and have you received any documents from the collection agency?

lrhall41

Submitted by Shazzers on Sat, 05/16/2009 - 17:39

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Hmmmmmmm, Payday One isn't licensed in KY. Was this an installme

Hmmmmmmm, Payday One isn't licensed in KY. Was this an installment type of loan, or a payday loan? If this is a payday loan, they can't really sue you as they aren't licensed in the state of KY. I wouldn't give them my debit or credit card number if I were you. Instead, I would ask them for an address you can send money orders via USPS. CLICK HERE to find out how to deal with illegal lenders.

lrhall41

Submitted by Shazzers on Sat, 05/16/2009 - 17:43

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No, nothing from a collections agency. They actually stopped th

No, nothing from a collections agency. They actually stopped the ACH debits - not I. When they did that, I told them that I would be back in contact when I received the information from the Kentucky Attorney General (which I haven't yet). The first I have heard from them was this call. He couldn't even tell me it was from Pay Day One. He just said he was representing Nat. PDL in Deleware. When he finally gave me the balance I knew it was Pay Day One.

lrhall41

Submitted by on Sat, 05/16/2009 - 19:35

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Here's an update on this . Apparently now Pay Day One is listin

Here's an update on this . Apparently now Pay Day One is listing Kentucky residents under small term loans and not payday loans. So their contracts are valid.

lrhall41

Submitted by on Mon, 05/18/2009 - 06:37

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I figured they would do that sooner or later, these payday lende

I figured they would do that sooner or later, these payday lenders always seem to find loopholes.

lrhall41

Submitted by Shazzers on Mon, 05/18/2009 - 09:03

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