The calls are starting

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Thats what I thought, I do not want to feed their criminal minds. So I now will prepare my letters for all of them stating what I will pay them ( principal balance only) Is there a sample one here I can use?

Stay off the phone. Once they get you on the phone they'll pull out every (fake)threat in the book to try to rattle you and get you to pay more than you should. Trust me on this. Caller ID is a wonderful thing. If you must answer the phone, hang up the moment they identify themselves as a debt collector. It's not worth the stress, seriously.

Thats my plan, I also told my co-workers, so they said they will hang up to..

Here is one. Just taylor it to fit your needs. Best of Luck!!


[SIZE=1][quote][/SIZE]
Date:
Name Of PDL

Your Name
City, State
Account #


After doing research regarding Internet payday loan laws in the State of _______, I have found that your Internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the State of _____ in general:

Your State Information

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 have closed my account with the XXXXXX to protect my interest in this matter, per instructions from The _____ Department of Finance. 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 ____ to be a legal and binding contract, your company should NOT issue loans to ____ residents at all. I am requesting that you send me your license number which enables you to offer loans to ____ residents.

The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this is only if you provide me with a physical address where I can send payments.

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

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely,

Your Name
CC:
Better Business Bureau
YOUR Attorney General
Federal Trade Commission [/quote]

I added to my letters that I wanted to be contacted ONLY via e-mail or U.S. mail; that I was not permitted personal phone calls at work. I changed my cell phone number (you might want to change your house phone numer if you have one). I received 2 calls at work and stated I could not receive calls, then hung up. I tried to negotiate with the collector for Eastside Lenders.....they just run you around in circles. I faxed my proposal but never received anything in writing accepting it.

Received lots of e-mails from US Fast Cash. Others just simply "vanished" once I sent the letters and my ACHs didn't go through. Even got a refund from one.

It's best for your stress level not to speak to them. Trust me.....

I agree on the stress level, I am now seeing a doctor because I dont sleep or eat. So I am going to do my best to not get into any verbal communications with them. The one thing that has really made me feel better is the Attorney for the Depart. of Corps. has spoke with me and she is completely behind me and said she wants to use my situation for when they go back to court May 2010. She was telling me these people are just like the mafia, sometimes worse. I know this web site is the only reason I am not going to lose my house or car, cause I was unable to pay them after these people got done with my check every payday.

You just hang in there and relax. I was like you, not sleeping, worrying about paying these loans and keeping my household bills up to date. Once I took care of my bank account and stopped the drafts, I felt immense release. Except for speaking with one collector, I haven't had to talk to any of the pdls.

I've now moved on to settling credit card debt. I'm doing it myself with the newly found confidence I gained from this site and from dealing with the pdls. I've settled 2 credit card accounts so far; got payment arrangements on two others.

For the first time in many many months, I can sleep, laugh and feel like I've got my life under control.

Keep us posted.:p

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Well I sure hope by ignoring the phone calls they will go away even for a little bit. I am keeping a call log on all numbers and mess they leave. once they are told by my job that they can not call here, and if they continue to do so, Do I file more complaints and with whom?

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All of my PDL's have gone away except for one who tries every so often to get in touch with me. I have caller ID on my work phone so when I see their # pop up, I lift the receiver ever so slightly and then place it right back down. Listen to what Shazzers says, don't talk to these people if you can possibly help it; they'll use all kinds of double-talk and threats they can to try and intimidate you.

I have complete confidence in Shazzers. I have the most respect for everyone here cause 3 weeks ago I was in such a dark place that I had horrible thoughts. With the support of everyone here I believe there is hope again. I am just a little scared, but I think that too will pass. Thanks to everyone here.

We've all been to that "dark place". When you feel down, just read the success stories and know that you will be one of them too.

Update: Fastandreliablecash, called and offered to let me make 5 bi-weekly payments of the principal amount plus the returned ck fee starting Dec. 11th and they agreed to let me call the payment in using a pre-paid credit card or moneygram. She also e-mailed me the offer so I will have it for my records. I think they may know, I am educated on my rights and laws here in california.

F&R contacted me very soon after I sent my letter. I had overpaid them and requested refund and they sent it via overnight mail, after I signed confidentiality letter. Got a PIF letter.

Good for you. The light's beginning to shine brighter for you.

well 2 I have over paid so just to get rid of them i am willing to accepts PIF's on them, so that leaves me with 3 to fight for.

Its been my first day and I made it with out crying... I think the worst is yet to come. I know at home I can shut my phones off. but not at work. I have not heard from VIP, Unitedcashloans, oneclickcash, Norstarcash at all today yet. They probly will be my worst nightmares. Intergrity left me a vm but I wont call back. F&R e-mailed me right away a payment plan... So tomorrow is another day, and Thank you for all your support.

[QUOTE=Cool_Abyss;502598]Here is one. Just taylor it to fit your needs. Best of Luck!!


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Thanks, this is very, very helpful

you could also include the following language in your letter to them:


Pursuant to my rights under the Telephone Consumer Protection Act (TCPA), you are hereby forbade from contacting me by telephone. This act applies not only to third party debt collectors, but to original creditors as well. I demand all future contact between you and I take place via USPS physical mail.

AWESOME!! This is what we like to see Success!

CAN original creditors be forbidden to contact you by phone? I thought that only applied to third party collectors! As I only have one PDL left who spordically calls me, if I could tell them they are forbidden to call, that would be great. Of course, it's a company run by good old MNE/MTE, so I don't know if they'd pay any attention to me.

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Day 2: I got back my letter to Norstarcash in the mail and it is stamped REFUSED... I did email them and that was not returned. Is there anything I should do next?

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You can fax the letter and have the confirmation that it went through. I did this to all my pdls. I sent e-mails and faxed. All faxes went through.

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Yes it did say refused.... I am also reporting them to the Do Not Call wedsite everytime they call my work. Maybe it will help even if its a little bit.

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I'm curious about your experience with VIP. I recently paid Fast & Reliable in full. While I may have overpaid, I opted to cut my losses and received confirmation in writing that the loan had been paid in full. My bank account was closed by my bank and I've since reopened a new account. I have made arrangements with Check n Go and Advance America and will continue to pay an installment loan from First Bank of Delaware. I have two additional loans with VIP and CashDirect Express and need to deal with them regarding the past due balance as well as payment arrangements for the remaining balance. Jasgal, please let us know what you hear from VIP. I received a call from "Angie" this morning on my cell phone, but have been unable to return her call and after reading some of the posts, I'm hesitant to do so.

As of now, I have only been getting calls from Integrity and number that says is for CPD. I dont know who they are call for. VIP is the one I have paid a total of $1202 on a $600 loan. I know they owe me money back but I would be completly happy with a PIF status. To be honest I am a complete mess right now. I will keep you updated on my contact with them. I think you may not want to call them back. Cause it can turn ugly when speaking with them. Please let me know how things go for you. I do know there is a great deal of support and information here. Best of Luck.

Shazzers, as always thanks for the information!!! I'll have to sit down and read those telephone regulations myself; however, seeing as I'm dealing with an MNE/MTE PDL, I'm sure if I'd give them these regs, they'd say as they're on tribal land the regs don't apply to them. :(

The part that makes me the maddest about claiming the Tribla Land excuse is when Congress made laws protecting Tribal groups I dont think they were thinking of letting them commit crimes and get away with it. Any other person would go to Jail for their behavior. And I think it is really sad that they would want the rest of this country to think of them as criminals.

Shazzers, thanks for the information; I'll have to plow through it and see if it applies to my situation. Even if it does, considering I'm dealing with an MNE/MTE PDL, I'm sure they'll say they're not affected as they're located on tribal lands.

A guy named Jason from 866-378-0084 called my work and I acted like it was not me, he left a mess to call back, I asked was this personal or business, he said personal and that I would know what it was about. I advised him that personal calls were not allowed at work, and not to use this number again. He said ok, so we will see. 2 seconds after that call he calls my cell and leaves another mess asking me to call him. He was all nice and calm on the phone. I expect these calls to get meaner soon

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You guys are awesome in here. I feel so much better after reading in here. I am working through my PDL debts too. (many many loans) Thanks for all this info!!!!!!!