Help! Quickest Cash Advance - Mid America Credit Bureau

Hi there, I was reading your previous thread (link below), just curious, did you send this company a validation letter? By the way, any collection agency that is attempting to collect for an unlicensed illegal company can't possibly be legal themselves. If it were me, I would tell them to go piss up a rope, heck, they can't sue you, a judge would laugh them out of the court room, and my best guess is they wouldn't attempt to sue you anyways, they are just trying to intimidate you with empty threats. JMO.
http://www.debtconsolidationcare.com/paydayloan/quickestcashadvance-mte.html

I agree with Shazz on this. If and that is a BIG if, they tried to sue you, all that you have to do is bring a copy of the laws regulating your state and you shuld have no problem. With illegal lenders, I would lock down your account and tell them to let you know when to show up in court!!

I'm pretty sure I sent a validation letter. But I can't put my hand on it right now. Do you have a template I could use to shoot off to them?

Also ---- what else should I resend to them?

I know from speaking to them before they wouldn't give me anything in writing by mail or email. I also stated again on the phone that it was a loan that was illegally issued due to the fact that Quickest Cash Advance / MTE Financial were not licensed to lend money to anybody in the state of Ohio. He assured me that it was legal because I seeked out their service. Which to that regard i think it is illegal for them to state that they can do business in Ohio considering you tell them that up front. Six one way half dozen another --- I am at my wits end with them.

Since the PDL is MTE Financial they are illegal in Ohio --- I do know that. Since it is with Mid-America Credit Bureau a collection agency, can they take me to court?

The way the new law is now with Payday Loans it states that internet payday lenders will have no access to civil court in the state of Ohio. Would that be retroactive to May 1st when the law was originally signed into law?

I have paid $100 towards the $300 original principal amount. I intend on paying the other $200. Should I just send it to them or get something in writing that it will pay it in full?

So since Quickest Cash Advance has been sent my defaulted loan. Everything still applies as far as it being illegal right? So revocation letter and stating the laws of the State of ohio in regards to lenders not being licensed in Ohio stands for them too?

So since Quickest Cash Advance has been sent my defaulted loan. Everything still applies as far as it being illegal right? So revocation letter and stating the laws of the State of ohio in regards to lenders not being licensed in Ohio stands for them too?

Financial :roll:

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Sorry ---- Yes Quickest Cash Advance.com is the original creditor and they sent my account to a collection agency called Mid America Credit Bureau. Sorry if I got a little dyslexic with my words.

Sorry ---- Yes Quickest Cash Advance.com is the original creditor and they sent my account to a collection agency called Mid America Credit Bureau. Sorry if I got a little dyslexic with my words.

Sorry ---- Yes Quickest Cash Advance.com is the original creditor and they sent my account to a collection agency called Mid America Credit Bureau. Sorry if I got a little dyslexic with my words.

Sorry --- My computer was lagging --- that's why my entry was put in 3 times

Well --- here we go. I sent both Quickest-Cash-Advance and Mid-America Credit Bureau the following letter a week and a half ago:

After doing research regarding Internet payday loan laws in the State of Ohio I have found that your Internet payday loans made by your company MTE Financial dba Quickest Cash Advance are actually illegal regardless of how the services were sought. I have also found the following laws to be true applying to payday loans in the State of Ohio in general:

1321.02. License; exceptions.

No person shall engage in the business of lending money, credit, or chooses in action in amounts of five thousand dollars or less, or exact, contract for, or receive, directly or indirectly, on or in connection with any such loan, any interest and charges that in the aggregate are greater than the interest and charges that the lender would be permitted to charge for a loan of money if the lender were not a licensee, without first having obtained a license from the division of financial institutions under sections 1321.01 to 1321.19 of the Revised Code.

Sections 1321.01 to 1321.19 of the Revised Code do not apply to any person doing business under and as permitted by any law of this state, another state, or the United States relating to banks, savings banks, savings societies, trust companies, credit unions, savings and loan associations substantially all the business of which is confined to loans on real estate mortgages and evidences of their own indebtedness; to registrants conducting business pursuant to sections 1321.51 to 1321.60 of the Revised Code; to licensees conducting business pursuant to sections 1321.71 to 1321.83 of the Revised Code; or to licensees doing business pursuant to sections 1315.35 to 1315.44 of the Revised Code. No person engaged in the business of selling tangible goods or services related thereto may receive or retain a license under sections 1321.01 to 1321.19 of the Revised Code for such place of business.

The first paragraph of this section applies to any person, who by any device, subterfuge, or pretense, charges, contracts for, or receives greater interest, consideration, or charges than that authorized by this section for any such loan or use of money or for any such loan, use, or sale of credit, or who for a fee or any manner of compensation arranges or offers to find or arrange for another person to make any such loan, use, or sale of credit. This section does not preclude the acquiring, directly or indirectly, by purchase or discount, of a bona fide obligation for goods or services when such obligation is payable directly to the person who provided the goods or services.

Any contract of loan in the making or collection of which an act is done by the lender that violates this section is void and the lender has no right to collect, receive, or retain any principal, interest, or charges.

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 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 Ohio to be a legal and binding contract, your company should NOT issue loans to Ohio residents at all. I am requesting that you send me your license number which enables you to offer loans to Ohio residents.

The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loans were legal anywhere in the United States. I am willing to pay the principle amount of the loan only, which to date I have paid a total of $100.00 on a $300.00 loan. Since I am morally obligated to pay only the principal of the loan, I will pay the remaining $200.00 of the principal by money order December 31st and will mail it by means of USPS.

I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the Ohio Attorney General's Office.

I expect a response from your company no later than 24 hours from the date this letter is received regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.


Needless to say the collection agency called and left a message AGAIN on my phone wanting to discuss important documents they received in their office.

What the heck?????? Obviously a C&D --- do not contact me by phone did not work.

I did get a response from the AG stating that they were looking into my complaint, blah, blah , blah and it could take up to 90 days.

What should I do now?

THIS JERKS KEEP CALLING ME AT WORK AND THEY DID THE SAME THING THREATENING TO DEDUCT FROM PAYROLL AND WHEN ASKED TO FAX OVER DOCUMENTS THEY NEVER DID. THER FULL OF SHIT.I CALLED THE STATE OF FLORIDA LAWS ON COLLECTIONS AND FOUND THAT I CAN FILE A LAWSUIT AGAINST THEM FOR HARRASSING ME AT WORK THEY HAVE BEEN ASKED BY MY BOSS AND MYSELF AND CONTINUE TO CALL THEY ARE NOT ALLOWED TO DO THAT I PAID THIS DEBT OFF BACK IN OCTOBER AND THEY STILL CALL ME ASKING FOR THE MONEY ONCE A MONTH AND I KEEP TELLING THEM I ALREADY PAID IT.THERE IDIOTS THEN WHEN I DID PAY IT THEY TOLD ME ONE AMOUNT AND TRIED TO CHARGE ME ANOTHER, THERE FRAUDULENT PEOPLE. AND I REPORTED THEM TO THE STATE. THEY ARE NOT ALLOWED TO CHARGE YOU ANY FEES ABOVE WHAT YOU OWE.

Im having issues with the same people. Im like countless people out of work. I told them that I was out of work. I asked them if they would take 300.00 on 500.00 now the PDL was for 300.00 and they have taken 90.00 the first time and then 75.00. So I feel 300.00 should be ok. I told them I would send it in 3 days. They told me no credit card I told them no via USPS i do not have a credit card. Still no address and they are planning to file documents for court. I want to pay them. Anyone have there address?

Mid-America Account Control Bureau, Inc.
614 S Wall
Joplin, Missouri 64802
(417) 627-7990

I made a settlement with the collection agency Mid America Credit Bureau and they kept telling me that they would send me a validation letter stating that the account was paid and closed. They never did, and i forgot all about it, now 3 years later i have a different collection agency EAM calling me saying that the account was never closed and they want me to pay a ridiculus amount. I have tried to contact MACB but the phone number i had back then doesnt work and the one i find online doesnt work either. Does anyone have their #. Their address was 15501 W 99 Street Lenexa KS 66219-1254 is this the same company as Mid America Account Control Bureau, Inc. ? Did they just change their name? Someone please help me find these people so that i can try to get this all cleared out. Thanks

I made a settlement with the collection agency Mid America Credit Bureau and they kept telling me that they would send me a validation letter stating that the account was paid and closed. They never did, and i forgot all about it, now 3 years later i have a different collection agency EAM calling me saying that the account was never closed and they want me to pay a ridiculus amount. I have tried to contact MACB but the phone number i had back then doesnt work and the one i find online doesnt work either. Does anyone have their #. Their address was 15501 W 99 Street Lenexa KS 66219-1254 is this the same company as Mid America Account Control Bureau, Inc. ? Did they just change their name? Someone please help me find these people so that i can try to get this all cleared out. Thanks

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