List of PDLs with DBAs and addresses

Thank you, that's great but how do you open it, apparently my computer doesn't have the appropriate program to open it.

Oh no! Well, let me look into that. Not sure I can do much besides try to copy and paste the info. I'll check it out.

Would you please, that would be GREAT! I apparently don't have the program required to download the information. THANKS!!

I'm sorry, the list is too big to copy and paste. it's a list of companies that Mass. sent C&D letters to. But it only opens as an excel file.

Ah that's OK, unfortunately I don't have excel on this computer, I appreciate your effort!

I tried to put it into Word and upload that file, but it gave me an error and wouldn't let me do it. I'll keep playing. Maybe I'll come up with a way...

edited to add:
I did manage to make it a PDF file, but of course it's too big for the forum. It's 95KB and the limit for the forum is 19.5kb.
I just can't win! Maybe later today, I'll try to break it up into sections.

Thank you Marilyn, I'm going to work on an easier format to read and post it on my blog and perhaps make it a sticky!

What to do when the Payday loan refuse to settle? I called today to Paycheck today and informed them that I discovered that they were ilegal in VA, I also complained about them to BBB, well they really fast told me that they wont charge me any fees uand that they need it the $300.00 now, I told them that I'm able to give them $150.00 tomorrow and they declined, that woman was very nasty, she said "you are not going to pay $150.00 today you will pay the $300 in full!!! now!! I told her I cant do that, and she said well " F***d I will begin collection procedures against you right now!!!
I took a $300 loan with them and I havent make a payment as yet, I missed the first payment because I closed my account, any advice?

Thanks

Quote:

OK thanks, I just complained about them with BBB and I found a physical address in the BBB site.

By the way, was this list obtained on the Massachusetts website?

Yes, it happened to come up while I was googling something and I checked it out and it was a list of companies that Massachusetts sent C&D letters to.

I got this email today from BBB, waiting on Paychecktoday.com response :)

Date: Thursday, April 8, 2010 6:14:30 AM GMT-0600
Subject: BBB Complaint Case#38026207(Ref#56-38006549-38026207-3-200)
Complaint ID#: 38026207
Business Name: Paycheck Today
Thank you for contacting the Better Business Bureau. Your complaint was received by the Bureau on April 7, 2010 and has been assigned case# 38026207in our files. Please make a note of this number for future reference.
Your complaint has been applied to the
following business:
Paycheck Today
418 G St. SE
Miami,
OK 74354-8218
The case has been reviewed and has now been
forwarded to the business for their response. This business has
until April 22, 2010 to respond to your complaint. You may contact our office after April 22, 2010 to check the status of your complaint.
We encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case click here.
Sincerely,
Kathryn Stefanic-Holder
Complaint
Resolution Specialist
BBB Complaint Department
[email]kathryn@tulsabbb.org[/email]

Thank you so much for following through with your complaints!

Thanks so much for you advice, I just settle with VIP Loan Shop, Loan $500.00 I paid $300.00 in fees and still owed $500.00, after arguing with them on the phone and sending the letters, they settle for only $200.00 but before accepting I asked them to send that information by email (just a insurance :)) They did.....1 down 3 to go

Hey I just got this email from Paychecktoday.com wohoo...2 down 2 more to go

[INDENT]Marilyn,
[COLOR=#000000][/COLOR][/INDENT][INDENT]Per our conversation last night.
[COLOR=#000000][/COLOR]
Your current balance is $420
[COLOR=#000000][/COLOR]
We will accept Settlement for $300
[COLOR=#000000][/COLOR]
$150 by 4/9/10
[COLOR=#000000][/COLOR]
$150 by 4/16/10
[COLOR=#000000][/COLOR]
Please call me or e-mail your prepaid card information.
[COLOR=#000000][/COLOR]
card #............................................
[COLOR=#000000][/COLOR]
3 digit security code...........................
[COLOR=#000000][/COLOR]
expiration date........................
[COLOR=#000000][/COLOR]
amount $150
[COLOR=#000000][/COLOR]
due 4/9/10
[COLOR=#000000][/COLOR]
amount $150
[COLOR=#000000][/COLOR]
due 4/16/10
[COLOR=#000000][/COLOR]
Thank you,
[COLOR=#000000][/COLOR]
Sandy
Collection Recovery Dept.
Pay Check Today
[COLOR=#000000][/COLOR]
I can be reached at 1-866-756-0600 ext. 6043 or 6044
[COLOR=#000000][/COLOR]
[COLOR=#000000][/COLOR]



----- Original Message ----- From: [EMAIL="Marilyn.Brown@jkmoving.com"]Marilyn Brown[/EMAIL]
To: [EMAIL="CustomerCare@paychecktoday.com"]CustomerCare@paychecktoday.com[/EMAIL]
Sent: Thursday, April 08, 2010 11:10 AM
Subject: Waiting on Payment Plan as agreed



Hello Sandy,
Please email me the payment that we agreed $150.00 today 4/8 and $150.00 4/15 to pay off $300.00 loan. I don't do settlement by phone I need everything on writing. (Per VA attorneys Office advice) As soon as I received the agreement in writing I will reply with the Pre paid Visa card number that I agreed to. As I stated before I'm not refusing to make my payment but unfortunately you guys has refused several times yesterday in a very rude and disrespectful manner. Thank you for taking the time of calling me yesterday and be so respectful.
Regards,

[LEFT][FONT=Arial Black][SIZE=4][COLOR=#ff8000][/COLOR][/SIZE][/FONT]
Marilyn Brown
[/LEFT]

[/INDENT]

good job marilyn! My saga starts tomorrow when my illegal PDL's find out that I put a Balance Hold on my account!

Good luck!! dont let them scared you, remember your terms only not theirs!!!

I guess today is my lucky day...I received this email from magnum cash advance:

Marilyn Brown,
[FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]We are in receipt of your email dated April 5, 2010 and it was forwarded to the lender. We have also forwarded your most recent letter to their management office in the Cayman Islands. This response is offered on behalf of the lender, ICA. International Cash Advance, Inc. (ICA), doing business as Magnum Cash Advance, is a British Virgin Islands (BVI) corporation. No solicitation or advertisement was offered in Virginia by ICA. Customers must seek out ICA on the internet and apply on "their" web site. The choice of law governing your loan, The BVI, was clearly displayed on the web site and in the loan agreement you executed.

The electronically signed contract clearly states, "[/FONT][/FONT][/FONT]All applications, transactions, and credit decisions will be deemed to have taken place in BVI, regardless of where you may be viewing or accessing this site. Borrower is responsible for complying with any local statutory obligations that may exist in their state or area with respect to any transactions with ICA dba Magnum Cash Advance. If we approve your application, the disbursement of funds will be in compliance with ICA policy and headquarters in the BVI. Our transactions are governed by laws of the BVI. The laws of the British Virgin Islands governing consumer loan agreements may differ from the laws of [/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Virginia[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][/FONT][/FONT][/FONT][/FONT][/FONT][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]. If you do not want to enter into a consumer loan agreement subject to the laws of the BVI, you should apply for a loan at a provider located in [/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Virginia[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][/FONT][/FONT][/FONT][/FONT][/FONT][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]. All aspects and transactions on this site will be deemed to have taken place at our location in the BVI. This transaction shall be governed in accordance with the laws of the BVI without regard to its conflicts of law principles, regardless of the order in which the parties agree. The Agreement shall be deemed executed at our location in the BVI as designated herein. Your acceptance of our service confirms your prior acceptance of this Agreement and to jurisdiction located within the BVI.[FONT=Arial][FONT=Arial][FONT=Arial]"

[/FONT][/FONT][/FONT][FONT=Arial][FONT=Arial][FONT=Arial]Regardless of these facts, the lender has no desire to expend non-productive effort by offering its services to customers that do not recognize the value of an installment loan or revolving line of credit that resolve a short term cash crisis on a moment's notice. Therefore, the director of operations for ICA has agreed to consider your last loan from 3/1/2010 as paid in full. The remaining balance has been credited and your account is no longer active and has been closed. [/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Your request for a refund was not approved based on the fact that the terms, conditions, and jurisdiction governing this transaction were fully disclosed to you, along with Truth in Lending disclosures with the initial loan and with all subsequent loans. [/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]

Sincerely,
Management

Call Center Services, Inc.
Call Center Services, Inc. is an independent outsource call center provider. CCS assumes no role in establishing client policies, policy statements, or internal affairs.
[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT]
[FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Now what? Just keep for my records in case a collection agency is trying to get me in the next few years? LOL
[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT]

Wow Marilyn...Magnum Cash Advance is one that I am dealing with as well. Hopefully get the same outcome. When did you send them this email?

[QUOTE=marilyn.brown;679855]I guess today is my lucky day...I received this email from magnum cash advance:
Marilyn Brown,
[FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]We are in receipt of your email dated April 5, 2010 and it was forwarded to the lender. We have also forwarded your most recent letter to their management office in the Cayman Islands. This response is offered on behalf of the lender, ICA. International Cash Advance, Inc. (ICA), doing business as Magnum Cash Advance, is a British Virgin Islands (BVI) corporation. No solicitation or advertisement was offered in Virginia by ICA. Customers must seek out ICA on the internet and apply on "their" web site. The choice of law governing your loan, The BVI, was clearly displayed on the web site and in the loan agreement you executed.
The electronically signed contract clearly states, "[/FONT][/FONT][/FONT]All applications, transactions, and credit decisions will be deemed to have taken place in BVI, regardless of where you may be viewing or accessing this site. Borrower is responsible for complying with any local statutory obligations that may exist in their state or area with respect to any transactions with ICA dba Magnum Cash Advance. If we approve your application, the disbursement of funds will be in compliance with ICA policy and headquarters in the BVI. Our transactions are governed by laws of the BVI. The laws of the British Virgin Islands governing consumer loan agreements may differ from the laws of [/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Virginia[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][/FONT][/FONT][/FONT][/FONT][/FONT][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]. If you do not want to enter into a consumer loan agreement subject to the laws of the BVI, you should apply for a loan at a provider located in [/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Virginia[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][/FONT][FONT=Arial][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][/FONT][/FONT][/FONT][/FONT][/FONT][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]. All aspects and transactions on this site will be deemed to have taken place at our location in the BVI. This transaction shall be governed in accordance with the laws of the BVI without regard to its conflicts of law principles, regardless of the order in which the parties agree. The Agreement shall be deemed executed at our location in the BVI as designated herein. Your acceptance of our service confirms your prior acceptance of this Agreement and to jurisdiction located within the BVI.[FONT=Arial][FONT=Arial][FONT=Arial]"
[/FONT][/FONT][/FONT][FONT=Arial][FONT=Arial][FONT=Arial]Regardless of these facts, the lender has no desire to expend non-productive effort by offering its services to customers that do not recognize the value of an installment loan or revolving line of credit that resolve a short term cash crisis on a moment's notice. Therefore, the director of operations for ICA has agreed to consider your last loan from 3/1/2010 as paid in full. The remaining balance has been credited and your account is no longer active and has been closed. [/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][COLOR=#000000][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Your request for a refund was not approved based on the fact that the terms, conditions, and jurisdiction governing this transaction were fully disclosed to you, along with Truth in Lending disclosures with the initial loan and with all subsequent loans. [/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/COLOR][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]
Sincerely,
Management
Call Center Services, Inc.
Call Center Services, Inc. is an independent outsource call center provider. CCS assumes no role in establishing client policies, policy statements, or internal affairs.
[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT]
[FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial][FONT=Arial]Now what? Just keep for my records in case a collection agency is trying to get me in the next few years? LOL
[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/QUOTE]

Yep, print it out and keep it, however, I would still push for a refund, you already have it in writing as paid in full so a little pushing isn't going to change that. Yay for you!!

I sent the email on April 5th and I got a replied yesterday, I was very surprised but I'm happy I paid them almost $2,000 in fees.

Quote:

Yes I sent another email yesterday, having my fingers cross :)

I find it funny that after I sent the emails out to the PDL's, they blocked me from accessing their websites to check my accounts! All of a sudden I am unauthorized! Do you think I hurt their feelings? lol

I recommend for you to file a complaint with the BBB and send a copy of the complaint to PDL fax, that way they can see that you are serious.

Should I be worried that none of the illegal PDL's that I sent letters to over a week ago have responded to me yet?

Quote: