National Check Network - PDL problem

If there's a bad check report on you then they can refuse your check. I don't have all the information, but it seems strange to me that it would suddenly happen to you like this after so long. I would call the companies and find out why they suddenly reported your checks bad, and some proof that the checks were paid.

What state are you in? I would guess these are both Internet loans and there were no checks involved, am I correct?

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Here's some contact information for your attorney general:
[email]ndag@nd.gov[/email]

701 328-2210

State Capitol
600 E. Boulevard Ave.
Dept. 125
Bismarck, ND 58505

Consumer Protection and Antitrust
Gateway Professional Center
1050 E Interstate Avenue Suite 200
Bismarck ND 58503-5574
701 328-3404
800 472-2600

When you file this complaint, make it as detailed as possible, explain these lenders are not even licensed to lend and you have MORE than paid them off, explain they have reported you falsely and how it has affected you. After you complete this complaint, send a copy of it to:
National Check Network
3617 Betty Dr
Colorado Springs, CO 80917
Phone:719- 380-1393
Customer Contact: Dave Skovgaard, owner -719-380-1393

You also need to provide information about the payday lenders who caused this, I believe that National Payday Loans are licensed in Utah, but I need to do some checking to find out.

I was wrong, those two lenders aren't licensed to lend anywhere.

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Here is the response I got from Detex....

[FONT=Arial][SIZE=3]Please find enclosed two attachments (.pdf) of both your contracts with MyPayDayLoan.com and NationalPayDayLoan.com. Please notice in your agreement with the contract that enforcement is by laws of Costa Rica. Any reporting, as you describe below (NSF list), would have been performed by your previous creditors, not by DETEX Agency, therefore, only the Creditor takes action to correct any reporting.

In order for you to receive both cash advances, you would have also agreed to a check electronic transfer agreement so your Creditors could not only deposit your cash advance, but you also agreed permission for them to withdrawal. This process, although electronic, is considered just as if you physically authorized a check draft. Our office can obtain this document in which you provide this authorization but this is moot since neither creditor will deposit nor attempt withdrawal.

Please understand, currently your accounts are not incurring additional interest or fees. DETEX can offer you an opportunity now to make payment arrangements that can halt all collection and offer you free payment processing to resolve both accounts. Once both accounts are resolved, the Creditors will then correct any reporting to agencies.

In the event you decide to continue your dispute instead of taking this opportunity to establish payment arrangements with our office, DETEX Agency will then return your accounts (within 30 days) to the Legal Department of each Creditor for their attention and your debt may be subject to additional fees and/or costs.

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Do you have any more advice on what to do now?

Ohhhhhhhhhh, I get it now, how stupid do they think people are! Just respond back to them in this way:
Please note I am not a resident of Costa Rica, have never prescribed to be a resident of Costa Rica and have no Costa Rica presence, as such am not subject to the Costa Rica laws you detail.