I live in New York state....... took out pay day loan

First off, Welcome! Secondly, I can tell you that PDLs are prohibited in New York State. I don't know how long that law has been in effect, or if it even matters in this case. Perhaps you could clarify a few things. You state that you got a call from Cash Unlimited. You also state that you have emails regarding a cash2day4u. Is this one in the same PDL with a name change or are they do entirely different situations? You also list several other PDLs but I am assuming that they have been paid in full? Also, did you pay this particular PDL in full or is there still monies owing on that debt? Actually, it's pretty typical for them to not have too many facts. It has been my experience that the left hand doesn't know what the right hand is doing in the PDL world. If it were me, and I am "need to know" type of person, I would call the number given to me, ask to speak with a supervisor, and demand to know exactly who sent this phone call my way. My belief is that I can't adequately defend myself against an unknown factor. Once you have the facts (if they are even able to provide you with them) then you can go about a course of action. You have informed your HR department of the situation and they are well aware of what could happen. You could put something in writing to them revoking any wage assignments that should come their way. As far as a wage garnishment that can't be honored without benefit of a court document and I hardly think that will be happening any time soon. They can't even figure out who they are squeezing you for,much less go to court and present a valid case. I hope this helps some. Once you have this info and you need additional help please come back for it. Good luck and keep us updated.

1.} OTHER pdl'S I HAVE HAD AND PAID IN FULL....
2} THAT COMPANY I HAVE NO RECORDS OFF - ONLY THE OTHER COMAPNY- I AM ASSUMING HAND IN HAND COMAPNY ONLY CUZ OF PHONE NUMBER ALMOST ALIKE.
3} I GUESS I'D HAVE TO PULL BANK STATEMENTS AND SEE WHAT THE AMOUNT OF DEPOSIT WAS THEY LENT ME AND HOW MUCH I PAID BACK TO THEM?? CUZ I DIDN'T SAVE ANY RECORDS.
4} I CAN'T AFFORD TO PAY THAT AMOUNT OFF.... OR 600.00 LUM SUM
5} OR I CAN GO W/ THERE PAY OPTIONS AND IT WOULD BE 1200.00 I'D END UP GIVING THEM....

** THEY WERE NOT GIVING ME ANY INFO I REQUESTED AND I WAS GETTING SO UPSET.......

ITS 10 AM AND I AM SURE MY PHONE WILL BE RINGING!

You need to find out how much the loan was for, and how much you repaid on it. Does the PDL have a website that perhaps you have access to? If so, that would show what you borrowed and the remaining balance. Don't pay or agree to pay anthing until you know EXACTLY what you borrowed and what you have paid back. Maybe your bank can research the deposit and the debits to the loan. You may have to put up with the phone calls in the meantime but I would just tell them that you are having your bank research the transactions before you go further. Keep us posted.

Also, I guess you could ask them to validate the debt but I am not sure how that works. Maybe someone else can help with that to determine whether it applies here or not.

It's Cash 4 You. Those jerk offs. No, there is no website for these illegal overseas bozos. This is most likely a "verbal agreement" - no paperwork - which is why you can't find documentation on it. These guys are the worst. They will call you 1,000 times a day (even if you tell them you are DEAD) and say illegal things and give illegal threats. They can do NOTHING. As long as they can no longer access your bank account, you're good. The only downfall to these bozos is that they will (believe me) call you until you're 90. They will call your work (I lied and said I don't work there) they will call your home phone, they will call your cell phone (I changed my number finally). They are relentless. However, they are so incredibly illegal, it's not even funny. Do NOT stress over these guys. You need, need, need to file complaints on them. File with the BBB, your state AG, and especially with the FTC. They are very interested in these guys.

LET ME TELL YA I SEARCHED AND SEARCHED LAST NIGHT DUG IN SPOTS I FORGOT ABOUT LIKE I SAID FIXED MY OLD OUTLOOK EXPRESS-- PUZZLED AND STRESSED.... MY TWO LITTLE CHILDREN WERE WONDERING WHY MOMMIE WAS TEARING THE HOUSE APART..... FRUSTRATED AND STILL ANGER W/ THOSE PEOPLE.
ANY ADVISE WHAT I SHOULD DO BESIDES THE INFO YOU PROVIDED ABOVE? DO I SEND THEM A LETTER... I LOOKED ON LINE AND I CAN'T EVEN FIND A WEB. PAGE FOR THEM.... BESIDES THE INFO I GOT BACK IN 2005..... NO ADDRESS JUST THAT EMAIL LINK......

Ah cannr, that's what I love about your posts. They make me laugh. How many times have I told you that? Thanks for jumping in and clarifying just who these yahoos are. I couldn't find much on them so I wasn't sure who was who. I tend to be a tad bit of a troublemaker and I don't like waiting. That is why I just went after all my PDLs and didn't give them a chance to make me wait. In the end it paid off for me and I don't even give them a second thought any longer, except for when I come on the board (which is pretty frequently now that school is out) and I see just how miserable they are making people. . . .still. On a side note, if there is no paperwork, then I guess that would explain just how sloppy they are and why they can't find anything to connect them up to anything or anybody. Why can't they just go away!

W/ A NEW NUMBER 1/800/670/4075......

I HAVE THAT EMAIL ADDRESS SHOULS I JUST SEND A LETTER - IF SO WHAT KIND OF LETTER

Like cannr said, they don't have a website as they are offshore and illegal. Do you have any idea what you borrowed or what you paid back? I would send a letter stating that they are illegal, including the laws for New York State just so they know and that, morally, you are not obligated to repay anything more than you borrowed. Let them itemize what they feel you owe them and how the figure came about. Here's the state law if you need it.

New York State Information

Legal Status: Prohibited

Citation:
Licensed lender law applies but interest rate is that agreed to by contract. N.Y. Banking Law ???? 340 et seq. A check casher licensee cannot make loans nor cash or advance any moneys on a post dated check unless it is a payroll check. N.Y. Banking Law ???? 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code ???? 190.40.

Small Loan Rate Cap
25% per year

Where to Complain, Get Information:
Regulator: New York State Banking Department
Address: One State Street New York NY 10004
Phone: 1-877-BANK-NYS
Fax:
Regulatory Contact: Regina A. Stone Deputy Superintendent
Regulator????????s Website
Complaint Form
Complaint Instructions

You can copy it over into your letter. Hopefully they will come back with a PIF. Meantime, I would seriously try and find out what was deposited into your account and how much they debited on that same amount. It may take your bank some time to locate it, but I am sure they can get it for you. You might want to speak with the ACH department at your bank. I am assuming you will email as that is the quickest way to get it to them. You can hard copy it if and when you have a physical address. Keep us posted.

I don't know if it applies to your situation, but I would send a letter with the following points:

It has come to my attention that you are an illegal unlicensed company
request validation of the debt
verification of license to lend
proof of any payments made to you toward principle or fees
revoke any and all ach authorization
revoke any wage assignment agreement you may or may not have signed
inform them that you will be contacting the BBB and the attorney general for your state.
cease and desist


I would also follow through. Contact the attorney general, explain the situation, explaint that they are refusing to provide documentation. Either way, don't agree to send any kind of payment, and don't say anything that can be considered an acknowledgement of the debt.
I am certainly not the most knowledgeable person here, but I"m sure someone who knows a little more about this place or your state laws will provide better suggestions and info. :)
Jen

Thanks Jen. I am in New York State and I think that it really worked to my advantage when getting these slugs out of my life. You have given some good advice to Sommer. I feel that you can NEVER cover your bases too much when dealing with this situation. I find amazing is that 3 years have gone by and suddenly they "discover" that someone owes them money! Trust me, if someone owed me money, I sure as heck wouldn't be waiting 3 years to try and collect it! Personally, I would ask the bank right now to try and find out what they deposited and what I paid back. I would trust my bank's records way more than I would trust the accounting of a PDL. To me that is the very basis of this squabble and it needs to be identifying ASAP. Just make sure that who ever is trying to collect on this alleged debt does not have access to any bank information that allow them to tap into your funds.

THAT I FOUND LAST NIGHT--- MY NEW DEADLINE IS 2 PM.... ACCORDING TO MY VOICE MAIL.....
WHAT A NIGHT MARE THIS IS

My philosophy is, if these guys were legal and above board they would not be making such insane phone calls, deadlines and threats. I don't know of any legit company who does this. Were you able to ask your bank to check on those deposits and debits? That way you will know exactly what the facts are and then perhaps you can shut this situation down.

Sommer,
Don't panic, and don't let them intimidate you. Take it one step at a time, and look at the whole picture, calmly and objectivly. There are pleanty of people here who will try to help you.
Chin up!
Jen

Re: (account number DON'T HAVE BECAUSE IT WAS NOT PROVIDED TO ME}



JULY 17, 2008





Unfortunately, your service yesterday was unhelpful, because I asked for a reference number which was not provided, I asked the amount of the loan that was taken and the how much was paid on this. After speaking thru "THREE" rude and demanding people once again that wasn't given to me.I am disappointed in this illegal COMPANY, the service was inadequate. It has been brought to my attention that your company is not licensed to lend in my state, therefore it makes the contract I had with you null and void



To resolve the problem, I would appreciate for you to send me an itemize statement what you feel I owe you and how the figure came about. I am not obligated to repay anything more than what I borrowed. Provide me with proof of any payments made to you toward principle or fees. Provide me with a reference number. Stop the phone calls and the tone and rudeness of your

Customer services Rep's.



I look forward to your reply and a resolution to my problem and will wait until 10 AM 07/18/2008. Please contact me at the e-mail address





As of today _07/17/2008_______, the only contact you may make with me is either through email, or USPS. I also demand your company and any affiliates of your company cease and desist all contact with me.




Furthermore I will be Notifying the Better Business Bureau & New York State attorney general, and with the FTC.



Here's the attached laws for New York State.



New York State Information

Legal Status: Prohibited

Citation:
Licensed lender law applies but interest rate is that agreed to by contract. N.Y. Banking Law ???? 340 et seq. A check casher licensee cannot make loans nor cash or advance any moneys on a post dated check unless it is a payroll check. N.Y. Banking Law ???? 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code ???? 190.40.

Small Loan Rate Cap
25% per year



Sincerely,

Summer

business...... I trying to file w/ BBB and the name I gave wasn't in there system.... and now the web site of bbb is asking the company name.... can any one help me?

What company is this again?

"investigations@Cash2day4u.com" thats all i have to go by when they call its Cash unlimited

Have you sent all your communication, ie. C and D letter to that email address? Has it come back undelivered?