nationwidecash calling
Date: Thu, 06/18/2009 - 07:00
now i get an actual call and a voicemail from some guy asking me what my 'intentions' are regarding my account and paying $197 in fees to them.
should i call this guy back and actually talk to them, or let the letter do the talking for me. i'm afraid they will try to send me into collections.
i should also note that i am in mississippi and these fools igno
i should also note that i am in mississippi and these fools ignored my letter and called me at work this morning.
reply
i would file AG and FTC complaints.they are illegal and don't care about the law.make them care.
if i file ATG complaints, will that be on public record? like th
if i file ATG complaints, will that be on public record? like they do when you file bankruptcy and put it in the newspaper or on your credit report?
reply
no.if you file AG complaints they will go after the illegal pdl,and make sure you pay only what you legaly owe.in some cases like mine.i overpaid,so they went away.
So I called the guy, Earnest Holden ext 527 and he attempted to
So I called the guy, Earnest Holden ext 527 and he attempted to tell me i owed $197 on the loan but they would settle for $100. I told him that my account was already overpaid and I was not giving them my debit card information for another payment. I asked for a mailing address and he stated they didn't have one. He proceeded to argue with me about them not being illegal, that I was obligated by the contract to pay, and it did not matter if what the law in mississippi was, but that i was held by the laws of deleware. when i told him no, that i would be filing complaints, he said i wouldn't be in this trouble if i had good enough credit to get a loan out of a mississippi bank, and that my case would be referred to their legal department. at that point i let him talk and told him to have a nice day, that i wasn't paying another cent to them and i would be forwarding my complaints.
now what?! i
i need a smoke.
If you have overpaid them, then I wouldnt worry about it. You ve
If you have overpaid them, then I wouldnt worry about it. You verified they were unlicensed, so they can go pound sand :wink:
is the state of deleware stupid? one of the other lenders attemp
is the state of deleware stupid? one of the other lenders attempted to tell me that i was bound to deleware law as well, since that is where they were licensed. can you run any kind of business, any way you see fit there or what?
i have loans out with the following: paydaymax nationwidecash
i have loans out with the following:
paydaymax
nationwidecash
500fastcash
oneclickcash
iadvance
ezcash
i think it was 500fastcash that tried to tell me that i was bonded to deleware law through their contracts as well. they are all illegal in MS.
also, the only ones who have tried to reach me is nationwidecash
also, the only ones who have tried to reach me is nationwidecash. i legally owe iadvance and ezcash. the rest i have overpaid on the balances. they took away my online access to my accounts. if they are calling me, it is from blocked numbers which i never answer anyway, and they do not leave voicemails.
Well all of those are not licensed in most states. Which PDL is
Well all of those are not licensed in most states. Which PDL is claming to be licensed in DE? What state are you in again, sorry if I missed it earlier.
nationwidecash.com is making that claim. i am in mississippi.
nationwidecash.com is making that claim. i am in mississippi.
Nope they are Illegal according to your state law. Mississippi r
Nope they are Illegal according to your state law. Mississippi requires lenders to be licensed in state.
Send them this.
Quote:
Date: Name Of PDL Your Name City, State Account # After doing research regarding Internet payday loan laws in the State of _______, I have found that your Internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the State of _____ in general: Your State Information I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with the XXXXXX to protect my interest in this matter, per instructions from The _____ Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. Due to the fact that Internet payday loans must be licensed in the state of ____ to be a legal and binding contract, your company should NOT issue loans to ____ residents at all. I am requesting that you send me your license number which enables you to offer loans to ____ residents. The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this is only if you provide me with a physical address where I can send payments. I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the ____ Attorney General's Office. I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. Sincerely, Your Name CC: Better Business Bureau YOUR Attorney General Federal Trade Commission |
Here is your state law:
Quote:
Mississippi State Information Legal Status: Legal (Applies to check cashers only) Citation: Miss. Code Ann. ?? 75-67-501 et seq. Loan Terms: Maximum Loan Amount: $400 Loan Term: Max: 30 days Maximum Finance Rate and Fees: 18% of check Finance Charge for 14-day $100 loan: $22 APR for 14-day $100 loan: 572% Debt Limits: Maximum Number of Outstanding Loans at One Time: Not Specified Rollovers Permitted: None (cannot renew or otherwise extend) Cooling-off Period: Repayment Plan: Collection Limits: Collection Fees: NSF fee; Court-awarded fees (if disclosed) Criminal Action: Prohibited (When check returned due to NSF) Where to Complain, Get Information: Regulator: Mississippi Department of Banking and Consumer Finance Address: 901 Woolfolk Building, Suite A 501 N. West Street Jackson MS 39201 Phone: (601) 359-1031 Fax: (601) 359-3557 Regulatory Contact: Ronny Harrison,, Chief Examiner, Consumer Finance Division |
they already got that letter (yet claimed they didnt receive it)
they already got that letter (yet claimed they didnt receive it)
You can try emailing [email]jimmie@nationwidecash.com[/email] or
You can try emailing [email]jimmie@nationwidecash.com[/email] or [email]taheera@nationwidecash.com[/email]. Jimmie is the compliance manager (he is a bit of a d*ck). Just keep emailing them your letter and eventually they'll give you a PIF.
Did you send the letter to them Certified mail, return reciept r
Did you send the letter to them Certified mail, return reciept requested? If not send it to them that way and keep your reciept. I also agree with trying to e-mail them, i never had any luck with my e-mails with any of the payday loan companies, they were all returned to me. Best of luck:)
i guess i'll put out the funds for that next week. i sent the em
i guess i'll put out the funds for that next week. i sent the emails again, because the other companies have yet to respond or start ringing my phone off the hook. i sent nationwide info to the state and they referred if over to the banking commission. we'll see how this goes.
they called again today. same guy left a voicemail telling me th
they called again today. same guy left a voicemail telling me that they do not have to abide by my states laws. and i had better.
i agree i would send them the letters certified mail. and just
i agree i would send them the letters certified mail. and just ignore their calls at all cost. they will get tired of calling you and eventually will stop.
don't worry about it. They're just trying to strong arm you.
don't worry about it. They're just trying to strong arm you.