payments to ca collecting for pdl

You need to request debt validation from that CA. They may be trying to collect on an illegal payday loan and, if they are, you shouldn't give them a dime.

Who is the PDL company?
Was this an internet loan or a storefront loan?
How much did you borrow and how much have you paid?

It was for an online pdl through sds processing. The thing is I've already made a payment to the ca so I don't think I can still request for it to be validated. But with that payment of 75 i paid plus the amount paid to the pdl of 30 and I now have a payment scheduled for next friday for 125 that will have more than covered the 200 that was originally borrowed. But the ca wants another payment after that of 50. So do I need to make that final payment if the 200 has already been paid? are the laws different for the amount to be paid if the account was sent to a ca? I know if it was still with the origianl pdl I could just pay the 200 and be done with it.

You can request proper debt validation. If they're collecting on an illegal PDL, they won't be able to provide it and then you can send them a C&D letter. Are internet PDLs legal in your state?

no they are not legal in my state, but what I'm saying is that as of friday I'll have paid the ca 230 on a 200 loan. I know if it was the pdl company I wouldn't have to send them anything else, but does it make a difference that this is with a ca?

i doubt anyone will sue you for an illegal loan. it seems you overpaid them? if so, tell them to no longer contact you, you are paid in full.

Ok so tell the ca i paid them 200 for a 200 loan and I'm paid off. Thank you for your help.

The point is, you shouldn't pay a red cent to the collection agency at ALL. They are trying to collect on an illegal loan and you do not have to pay them.

If you've already paid the OC the $200, you're fine. If you haven't, you need to. You also need to file complaints with your AG's office, the BBB, and the FTC.

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Nothing in writing. I paid the ca 75 last week and I have a scheduled payment of 125 set to be paid. So that would be the 200 that was borrowed from sds (which i had already paid 30 to before they sent me to collections). But they want another payment of 50 after that. But the way i figure it I'll have paid 230 on a 200 loan, also i live in ny so i know they are illegal here. I just want to make sure that the same thing applies whether it's a ca or the original lender.

Oh boy, I just hope you will stand your ground, I also hope they won't keep harassing you after this, but I have a feeling they won't.

You always have great advice, but your "oh boy" makes me nervous. I'll defintiely stand my ground. I just want to make sure that I'm in the right when I speak with them.

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I know and I know that too, I have another one that was sent to a ca that I'm having them validate. So I'll see how this works out pay them the 125 and that'll be 200, actaully over 200 and go from there. Thank you again for all your help. Almost done with getting out of this mess. Got the one in collections and two more after that so I'm sure I'll have more questions going foward.

You do what you are comfortable doing. I didn't mean to scare you, I am just looking out for your best interest.

Just please make sure you get PIF letters from these people.

If you don't, another CA may try to collect on this later and you won't have proof you've paid it. OR, the original creditor can come after you for that principal amount and, again, you won't have proof of payment.

I was in the same situation (before I found this site) and all I did was send a letter to the CA stating that they were collecting for an illegal PDL and gave the laws of my state etc..and explained that I had already paid XXVY amount ... I haven't heard anything else from either the CA or the PDL. I did not get a PIF letter like I requested but at least I am not being harrassed so I guess at this point I will take what I can get.