PAYDAY 1 legal???

Date: Tue, 03/08/2011 - 10:46

Submitted by anonymous
on Tue, 03/08/2011 - 10:46

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Total Replies: 3

I was contacted by a collection agency who would not give me information on 2 so called payday loans form Payday 1 in 2008 and 2009 but telling me they would settle for 60% one loan is 709 and one is 504 both these loans I am told have NSF and interest tacked on them. I lived in California I did take ONE loan out with this company not 2 and I was sure it was paid off. How do I research these loans before they take a civil suit out on me? I no longer live in CA and the collection lady hung up on me when I questioned her about these loans... I am retired and cannot afford garnishment on my wages.. Is Payday 1 a legal PDL in CA and now that I live in another state can they come after me?

Call PayDayOne and ask them if you have any loans that were not

Call PayDayOne and ask them if you have any loans that were not paid off. Sounds like a scam to me. PayDayOne is a legal lender. Sounds like someone got hold of your info is trying to milk you for some money.

lrhall41

Submitted by OhioGal1 on Tue, 03/08/2011 - 11:10

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I did call them they said the loans where sold.. I called that c

I did call them they said the loans where sold.. I called that company and they said they where sold.. now I am dealing with this company who hung up on me. I have the same phone number a forwarding address so I am not trying to hide When I asked for details from this collection lady she got short and hung up when I called back I got someone else who said that the account now goes back to the company who hired them but will not reveal the company... I did have PDL from everywhere back in 07 and 08 like others too many but did pay them off.. my fear is once my BK comes off my credit in August 2011 we want to buy a home I dont want ghosts from the past should I hold tight see what happens wait to see if I get sued or nip it in the butt now? I need proof these where my loans my other puzzling question is why would a company loan to me again if I already was deliquent on one loan a year later? Thanks

lrhall41

Submitted by on Tue, 03/08/2011 - 11:29

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The next time they call, simply tell them to send you something

The next time they call, simply tell them to send you something in writing. If they refuse, you know they aren't legit. If they send you an actual letter of collection, then you can send a request for validation. Don't panic.

lrhall41

Submitted by OhioGal1 on Tue, 03/08/2011 - 12:08

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