Payday Loan Yes AGAIN!

no they cannot,in fact they disclosed that
information is a 1,much less
the fact that they continue to call at all.
once they receive that letter they have to
stop all collection action until they validate.
if nothing else they should not call you at
work.this is a complete bottm feeder pdl.
i would file AG comlaints ASAP.

I already sent a letter about them to the AG. The AG sent me a follow up letter telling me that they are investigating them. I just faxed PDLY another letter, with my original letter attached as well as the fax transmittal from last time that it went through okay. Right now I am working with one company at a time to pay them off. That's all I can do.

Unfortunately PDL Yes is the originator of the loan and they often do not follow the cease and desist part of any letter sent. And since they are the origionator of the loan, they are not obligated to follow the fdcpa. They are just trying to scare you into paying them. They should not be giving out your personal information however, they are an illegal / unlicensed company lending money at extremely high rates of interest, they have not abided by the law thus far, I guess they are not going to start now. Please do as Paul says and file with your state regulating agency. If they call, let the calls go to voicemail and reply via fax or email. Try to keep all communication written so you have documentation, also keep a log of calls so you can list each and every time they call on your complaints.

i would look into taking action against them.this not about you owing or not,this is about them ignoring a C&D letter.i see at least 2 fdcpa violations,one disclosing information to a outside party,two continuing to call after getting your C&D letter.you could seek 1,000.00 per violation.

Hey guys, not trying to step on any toes here but, original creditors are exempt from following fdcpa. PDL Yes is the original creditor in this situation. I also believe even if you are sent to in house collections, they are exempt as well. FDCPA is for third party collections.

http://www.debtconsolidationcare.com/settlement/about22720.html

So, there is nothing I can do to protect myself?

you are correct roxy,but if requested a creditor must obey a do not call work demand.

BAyley, Cajunbulldog is really good with this stuff so I went to him...he sent me this information and also said that your state may have it's own laws in refrence to these issues...



I did not get a chance to check out the law but wanted to post it before I got called away (I am at work). This hopefully can help you. I was also googling about the company giving out your personal info. I know everytime the credit card agency sends me a bill, they send me something about privacy so I was trying to find something for you.

Paul I know, but I also knew I read something about the phone call situation on the site so I went to Cajun. He helped me alot when I had CA issues with my pdls. I know there is also something about the personal information but I can not put my fingers on it. I can not for the life of me remember where I read it...those blond(e) moments come at the worst times. :D

hey,you will see soon, i too am a blond.i just am maybe thinking too much because i actually had cc companies tell me they don't call peoples work because it can get them in trouble.these pdl's just think they are above the law.

I clicked on the link and there was a bunch of stuff that came up, but I didn't know what I was looking for. You guys are always so helpful.

Bayley, I will try to look at it on my dinner break and see what I can come up with.

They do think they are above the law and that they can do what they want. I am all for a whistle in the ear or a fog horn :wink:

No problem. Thank you all. You guys are fast to help! I really appreciate it. :D

Your account has been turned over to an outside collection agency. You will
need to contact the agency in order to take care of your account. The number

to reach them is 1 800 920 1300. They will be able to assist you with any
questions or concerns that you may have.
Thank You


This is an e-mail I got from our "good friend" Tim Atkins today letting me know that they have turned my account to an collection agency. I called the number and it sound like they were a marketing company. I was just wondering is this a scare tactic or what? I refuse to be scared any more.

WSSU, this phone number belongs to ...

AIS Services, LLC
50 California St, #1500
San Francisco, CA 94111
Phone: 800-743-4782 or 888-920-1300
650-892-2257
Fax: 415- 651-9333


Other Location: 9320 Chesapeake Dr San Diego, CA 92123
Phone: 858-650-0464 Fax: 858-650-0465


Check you pm's I have something for you to look at regarding them.

I just went to my pm and got your information. I will be working on a letter for this company this weekend between my paper for school and other stuff.

roxy, did you give wssu the "contact person" at AIS to deal with??? I don't know if you have it. I dealt with this company. I've got the name and email and everything else pertaining to them.

Cannr, No, I do not have that. I sent some other information I found from Anthony's favorite web site and a sample letter to request debt validation. That would be most helpful for him to have that too...thanks :D Even when I don't see you for years you got my back :D