Here are my loans, please help me figure this out!

Scare tactic :wink:

My 3b payday loans were sent to collections, what should I reply to the collection agency?

How long ago did you take out the 3bpayday loan? I have tried to follow the posts but it's Sunday morning and I seem to be a tad confused. Did you make any payments on that loan?

I got another collection letter, this one from MTE. When I fight the validation of debt, what do I write in my letter? HELP PLEASE!

Do not worry about MTE, they are ILLEGAl as crime.

3B payday loans is licensed in Utah on the other hand. I fought them and received a refund and "PIF" on my account.

How much did you borrow and pay both PDLs :?:

I'm not sure about the validation letter as it never got that far with me. You could try emailing all of your info (C and D letters, etc.) to brpayne2 at gmail dot com. This is the admin contact from 3Bpaydayloans. I would send a cover email outlining exactly what you want.

So most of my accounts have gone to collections, what do I do now?

When mine went to collections, I sent all the CA's that contacted me a request for debt validation. Which not one of them have responded to... :lol: Go figure. If you need a letter pm me and I will send you the one I used.

minsmi, I pm'd you the letter. If you need anything else let me know. If they continue to contact you after they receive the letter please be sure to note all the dates and times because if they are a 3rd party CA, it is violation of the fdcpa and you can call them on it. Hang in there.....Roxy

So I sent one of my collection agencys the debt validation letter and this is what the little twit replied:

Ms. ,



Based on your email below that you have copied off of the internet, we will code this account as a dispute. We will move forward with this claim as the previous corresponding emails below show your understanding of this claim and adherence to owing it and that your below email seems to be a ploy and an attempt to stall this matter. I wish you good luck, as I will only hold this claim at its current status for another 24 hours.



Regards,



Derrick Lynch

Director of Operations

OK, so I haven't heard much since sending out my letters to the PDL companies. Two however, have gone to collection agencies. How do I deal with them now? They are all ready on my credit report.

Also, the ones that i haven't heard from, what are they doing in the meantime? Do they ever just go away?

Thanks!

first,dispute these on your credit report.second,yes some if you send letters will go away in a sense.some will lay low.i disputed two form AIS on my report and they were removed.just state these are pdl's which are illegal in your state.so is the CA.the credit bureau's should remove them.