Integrity Advance
Date: Thu, 09/09/2010 - 09:57
[SIZE=3]I live in Ohio and know that Integrity is not a licensed to do business in my State. I took out a loan for $400 and to date have paid back $612. I wrote them several letters/emails asking for a PIF letter and refund of $212. I filed complaints with the Ohio Attorney General's Office, Better Business, and FTC. Today, I received this email. My question is: How do I respond?? Take note of the bottom of their email. It states, "PLEASE SEND US THE SIGNED RELEASE NO LATER THAN AUGUST 21, 2010" According to my calendar is September 9! By the way, the release they attached is really something that I will not ever agree to. [/SIZE]
[SIZE=3][FONT=Times New Roman][/FONT][/SIZE]
[SIZE=3]We are responding to your communications with Integrity Advance, regarding your loan, which has a current balance of $390. We consider this to be a valid debt. Integrity Advance takes its obligations to comply with all applicable laws very seriously and expends significant resources to ensure this.[/SIZE]
[SIZE=3]Integrity Advance makes short term consumer loans pursuant to licensure and regulation by the State of Delaware. Integrity Advance does not solicit customers in Ohio. On advice of counsel, Integrity Advance maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all significant contacts in the loan transaction occur within Delaware.[/SIZE]
[SIZE=3]Despite our position stated above, and without obligation to do so, in the interest of resolving this matter without escalation and further expense, we are willing consider this matter resolved once you have complied with the terms of the settlement offer below.[/SIZE]
[SIZE=3] Settlement Offer[/SIZE]
[SIZE=3] Integrity Advance is making a one-time limited offer to release you from the outstanding balance of your loan ($825) only upon receipt of $300 received no later than October 15, 2010 and satisfactory evidence that your filed complaint with the Ohio Attorney Generals Office, Better Business Bureau and Federal Trade Commission has been resolved along with the attached signed Confidential Mutual Release Agreement. Please fax the signed release to our Customer Service Department at (800)616-0533.[/SIZE]
[SIZE=3] ******PLEASE SEND US THE SIGNED RELEASE NO LATER THAN AUGUST 21, 2010 . IF WE HAVE NOT RECEIVED THE SIGNED RELEASE BY AUGUST 21ST 2010, THIS SETTLEMENT OFFER WILL BE AUTOMATICALLY REVOKED AND WE WILL CONTINUE TO HANDLE YOUR ACCOUNT PURSUANT TO YOUR LOAN AGREEMENT.******[/SIZE]
[SIZE=3] PLEASE KEEP IN MIND THAT THE EXISTENCE AND TERMS OF THIS SETTLEMENT OFFER AS WELL AS THE ENCLOSED CONFIDENTIAL MUTUAL RELEASE AGREEMENT ("AGREEMENT") ARE TO BE KEPT IN THE STRICTNESS OF CONFIDENCE AND YOU MUST NOT DISCLOSE THE EXISTENCE OR ANY OF THE TERMS OF THIS SETTLEMENT OFFER OR THE AGREEMENT TO ANY THIRD PARTY OTHER THAN TO YOUR PERSONAL ATTORNEYS OR ACCOUNTANTS.[/SIZE]
[SIZE=3]YOU FURTHER UNDERSTAND THAT THE AGREEMENT PROVIDES THAT, IN THE EVENT OF ANY DISCLOSURE INCONSISTENT WITH THE TERMS OF THE AGREEMENT, INTEGRITY ADVANCE WILL BE ENTITLED TO RECEIVE FROM YOU AT LEAST $10,000 IN LIQUIDATED DAMAGES.[/SIZE]
[SIZE=3][FONT=Times New Roman][/FONT][/SIZE]
[SIZE=3]We are responding to your communications with Integrity Advance, regarding your loan, which has a current balance of $390. We consider this to be a valid debt. Integrity Advance takes its obligations to comply with all applicable laws very seriously and expends significant resources to ensure this.[/SIZE]
[SIZE=3]Integrity Advance makes short term consumer loans pursuant to licensure and regulation by the State of Delaware. Integrity Advance does not solicit customers in Ohio. On advice of counsel, Integrity Advance maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all significant contacts in the loan transaction occur within Delaware.[/SIZE]
[SIZE=3]Despite our position stated above, and without obligation to do so, in the interest of resolving this matter without escalation and further expense, we are willing consider this matter resolved once you have complied with the terms of the settlement offer below.[/SIZE]
[SIZE=3] Settlement Offer[/SIZE]
[SIZE=3] Integrity Advance is making a one-time limited offer to release you from the outstanding balance of your loan ($825) only upon receipt of $300 received no later than October 15, 2010 and satisfactory evidence that your filed complaint with the Ohio Attorney Generals Office, Better Business Bureau and Federal Trade Commission has been resolved along with the attached signed Confidential Mutual Release Agreement. Please fax the signed release to our Customer Service Department at (800)616-0533.[/SIZE]
[SIZE=3] ******PLEASE SEND US THE SIGNED RELEASE NO LATER THAN AUGUST 21, 2010 . IF WE HAVE NOT RECEIVED THE SIGNED RELEASE BY AUGUST 21ST 2010, THIS SETTLEMENT OFFER WILL BE AUTOMATICALLY REVOKED AND WE WILL CONTINUE TO HANDLE YOUR ACCOUNT PURSUANT TO YOUR LOAN AGREEMENT.******[/SIZE]
[SIZE=3] PLEASE KEEP IN MIND THAT THE EXISTENCE AND TERMS OF THIS SETTLEMENT OFFER AS WELL AS THE ENCLOSED CONFIDENTIAL MUTUAL RELEASE AGREEMENT ("AGREEMENT") ARE TO BE KEPT IN THE STRICTNESS OF CONFIDENCE AND YOU MUST NOT DISCLOSE THE EXISTENCE OR ANY OF THE TERMS OF THIS SETTLEMENT OFFER OR THE AGREEMENT TO ANY THIRD PARTY OTHER THAN TO YOUR PERSONAL ATTORNEYS OR ACCOUNTANTS.[/SIZE]
[SIZE=3]YOU FURTHER UNDERSTAND THAT THE AGREEMENT PROVIDES THAT, IN THE EVENT OF ANY DISCLOSURE INCONSISTENT WITH THE TERMS OF THE AGREEMENT, INTEGRITY ADVANCE WILL BE ENTITLED TO RECEIVE FROM YOU AT LEAST $10,000 IN LIQUIDATED DAMAGES.[/SIZE]
Tell them that you are not a resident of Delaware and so, not bi
Tell them that you are not a resident of Delaware and so, not binded by its laws. As per the PDL laws of Ohio, they have to be licensed in your state and which they are not. Tell them that if they don't comply to your request, you will file cases against them with the AG and the BBB of Delaware.
