I need help now too!

I just noticed their Western Union address they sent me this time is in Las Vegas, Nev. Think they moved again???

They've never been in Vegas or Grenada or any of the other places they've pretended to be in their endless game of hide-and-seek. They're still at 4700 Rossville Blvd. Chattanooga, TN 37407.

Oh morning...we're here for ya as you have been here for so many! :D

I assume the pdl is illegal in your state?

Yes they are illegal ...here in Indiana. TN??? I never had that address before....are we sure freaky?? I can give that to my AG office...it just gave me shivers when I saw that email...and they left a lessage on my VM and at work...I don't know what to do first!!!

Thanks Volley...I knew I could count on my friends here to get me over this bridge!!!

Here for you through it all!! You deserve all the help in the world! :D

Thanks...I just can't even think straight with these guys....I'm calmer now...but I'm still not sure what to do first...LOL. I am going to call HR in the morning to make sure they have that revokation on the wage assignment thing.

I looked up the Chatanooga address...and its listed to a company called "Credit Payment Service".

You need letters or anything? or are you all set with that.

Well their collections is Credit Protection Depot....so maybe thats the same thing?? I don't know. I have tons of letters and copies of everything I sent them. I just emailed my connection in the AG office. I guess I just worry I missed something and they will drag me into court....

I'd bet on my kids' lives they'll never take you to court Morningstarr. It's not what they do. They inflate the balance, then sell it to a junk debt buyer. Neither my cash now nor Credit Protection Depot have ever filed a lawsuit against a consumer.

Thank you Freaky....

Morningstar...Like we always tell others...calm down and think about what you can do. You know the routine...check your letters to them..etc. Resubmit some if you need too...as a hoosier also..I can't see them taking it to a court here in Indiana??? The DFI has been posting some very strong notices to PDLs. We're here for you...

BTW - I found this local number by doing a skiptrace on my cash now and later Googled it and found an entry on the RipOff report listing the same number for My Cash Now. 423-867-8006

423 is a Tennessee area code.

Thanks again Freaky...I am passing all this info to the AG...think I should call CPD back tomorrow??

Laura...your right!! I paniced!! Big time...LOL...

Unless you want to work something out with them, why even engage with them. After a few days of not getting you on the phone they'll mark the debt uncollectible and move on to the next victim. By the time the debt gets sold or they try again themselves, the AG and DFI will probably have started their process and you can let them guide you.

OK....thanks again....I don't know why I panic so...LOL. I will refile my complaints, send a debt validation letter to them...thanks for the fax number too!!

Hey Morning, I was not on last night so i just now read your post. if you need anything, please just ask. Sorry this is happenong to you , but you know that they can not do anything to you. Just remain calm.

I got a response today from my contact in the AG office...he is pulling my previous file and will go over it...he is asking if I have an email address for either my cash now or CPD....anybody?? Freaky???

Thanks Kash for your support too!!!

morningstarr, how have they been communicating with you? I thought it was through email???

They have been emailing me...but the email does not work on return...I went through some old posts here and found another address and a fax number like the one Freaky gave me...but no working email adress. I am going to ask the AG office if they can fax the letter. I think he thought it woud be faster to do it this way than to send the letter postal.

Yesterday the email I got was from CPD...today I got one from my cash now giving me 10 days, telling me my balance is now $1045. and offering me a 1 time payoff of $450. I have 10 days I think they said before they turn me over to "other outlets" for collection. All of this on a $300. loan....LOL.

I don't know why I am acting so amazed....we have seen it before, haven't we??....LOL

"Other outlets"??? Why does that sound painful to me? :lol: So they are sending you emails; however, you can't respond to them? Now how are you supposed to let my cash now know if you want to "settle"? By ESP? And why is both My Cash Now and CPD both trying to collect on the same debt? Your state AG is probably wondering the same thing............

Yes....I just sent him the email I recieved today...weird huh?? Both of their emails contain phone numbers and info for Western Union...and they ask that I call to settle the matter. I am not....I know they will brow beat me and I am not well enough to handle that right now.

Ooohhhh.......... That's their game. They don't have a "working" email because they want to get your butt on the phone to verbally abuse and threaten you. How nice of them. morning, I can try doing a search to see if I can find an email for one of them.

Thanks....I have tried and the only thing I find is what I have tried before...but maybe you will have better luck. I appreciate the help...I haven't been much use to anyone lately...:(

morning, I will look. What else am I doing? LOL! And, stop saying those things! You're very useful! To all of us! I love you! :D

:roll: Thank you!!!

Hang in there, my friend! We'll find something for you!

I have another question about this. Should I bother to send a debt validation letter to the collection office of CPD when they are collecting for and run by my cash now???

morning, I would. I believe that I have read on here that you can even send a debt validation letter to the original creditor. I would send one to CPD. Let them validate that debt. :evil:

Freaky is the bomb! Great work on tracking these slimeballs down! I bet this is just another DBA for these people in TN, but we need to confirm that. If it hasn't already been said, Morningstar, you also need to confirm that these people are not licensed in your state. And if they aren't, your chances of going to court are slim and next to none.

I checked the mycashnow website and it says under disclaimers they are in Granada.

Thank you all for the advice and help...they are not licensed here...and I have turned over all the info I collected to my contact in the AG office. I am waiting to hear from him.

morning, keep us updated on this one. I think we're all interested now.

OK...I heard from my contact in the AG office. He has sent another letter to my cash now at the TN. address Freaky supplied. He will let me know their response as he recieves it of course.

Now just for "fun" I went to the web site and it wouldn't let me log in...I have been wiped!! Just a week ago I could get in and see how they added up all the charges to make $300.turn into $1080....what do you think it means that I can't log on any more??

Anyone, comments???

They are playing games with you big time. Ignor these fools. They are not getting a dime from you ever again. They will not sue, beleive me on that. I have delt with these idiots before. I took a loan for $300 in 12/05, paid over $600 back in fees. Defaulted in May of 2006, haven't heard from them until 12/06. They will stop calling, I'm still to this day waiting for a summons to court.
coldplay from NYC.

thank you cold play...that does set my mind at ease...I have been worried they would force me into arbitration or something...now we will wait and see if they answer my AG office...he sent the letter to the TN address Freaky gave me.

They may have wiped you from their account and not be letting you in because they heard from the AG!! They may be getting worried and trying to "clean up" their stuff!! Good Luck to you!!..KAren :D

Thanks Bossy...I will try to think positive about this headache...actually try to stop thinking about them!!!It's like a bad penny that keeps rolling around!!

Know what you mean- I have been dealin with a CA for almost 2 years-is a big pain in the end :lol: KAren

even if a payday lender is not liscensed in your state ( I live in CT) they claim they can sue you in the state they are in and get a judgment. They say to sue you they dont need to be in the state where you live. Is that true?

It is not true. First of all , the laws in your state are the laws that govern. Not the laws in their state. No they can not sue you in another state. Also if these companies are illegal, theycan not sue you at all.

It is true. Anyone can sue anyone anywhere. God has been sued before. Seriously.

The questions is more like can they win. And yes, they can win. If you don't know, or don't respond to the summons, a default judgement is entered against you. If you answer and claim that court doesn't have jurisdiction, the case would be thrown out, assuming the courts agree.

The problem is the question of where the transaction actually took place. The pdl's claim that the application was processed in their office, and the money sent from their bank, therefore the transaction happened in their state. The consumer can claim that the money was deposited into their account, and that they filled out the application in their state, so jurisdiction should be in their state. The courts will usually side with the consumer in that case, and the case would be thrown out and the pdl told to refile in your jurisdiction.

But - The pdl's rely on people not answering the summons. Once a default judgement is entered against you, it's an uphill battle getting it thrown out.

In response to Vee, Tremont Financial does sue people in its home state of South Dakota and take default judgments. They don't take the extra step of domesticating the judgment in the customer's state, but they do use the judgment to try to get employers to do a wage garnishment. (Not exactly legal, but what employer is going to pay his lawyer a few hundred bucks to find out if he has to honor a deduction from YOUR paycheck.) Also, it shows up as a public record on your credit report.

Bad scene all around.