questions on payday loan defaults in indiana!!!
Date: Fri, 09/28/2012 - 12:26
i have done some research on the site and have found some of the form letters to send off to the collectors but none for indiana! i have one i like but its set up for a texas resident!
anyhow, the two im having trouble with right now are vip cash who is using "CRS acquisitions" to contact me.
and the 2nd is national payday loan.com which is using "hyperian recovery" to contact me!
hyperian has supposedly hired someone that called me today to "serve me a summons" and claims that he will bring it to my place of employment! which wont happen because the place i work is considered a federal trade zone and he cant get past the front gate!
the first company "vip cash" left one voicemail claiming something about a 30 day licsense suspension!
so my questions are,
what part of these claims are true if any?
and how do i find out exactly if these loans were legit or not? i have tried finding indianas laws but theyre very hard to read and/or compare to the loans because i cant even find the exact loan information from these two companies.
any help here is GREATLY appreciated!
Both loans are illegal. Send a cease and desist to both of the c
Both loans are illegal. Send a cease and desist to both of the collectors. Hyperion is a junk debt buyer; they are pieces of garbage just like the other one. You owe nothing to either of them and they cannot do anything to you. Make sure to send it certified return receipt requested.
National payday loan is located in costa rica VIP is in Nevis W
National payday loan is located in costa rica
VIP is in Nevis West Indies
Both are illegal as they are offshore and not licensed in the US.
Send this to the CA's.
Dear __________________
I hereby demand you cease and desist any and all contact with me and anyone assoicated with me in regards to account #____________, original creditor _____________. The original credit conducts business out of (costa rica/Nevis) and holds no license in my state or in any other state in the US for that matter. As such the loan contract is null and void as the contract is dirty.
Your collection methods also violate the FDCPA. I will be filing complaints my state attorney general's office and FTC.
Govern yourself accordingly
thank you so much for your help so far! i was wondering if there
thank you so much for your help so far!
i was wondering if there is anything i can do "since they are not legit" to get back any monies they debited from my chase account before it was closed?
secondly do i need to add anything to the letter like revoking any wage assignment information i may have signed or telling them to not contact my employer etc.etc.
also my last loan is with 500 fast cash! any ideas about them? t
also my last loan is with 500 fast cash! any ideas about them? they dont seem to be bothering me yet!
again thank you a million times over!