Riscuity threatened to arrest unless payment in full

your statement about talking about the company you work or worked for, look at yourself, let me tell you I have and when I look in the mirror I LIKE THE PERSON WHO LOOKS BACK AT ME, he or she is no longer a part of this horror, if you are what you say you are don't judge, in this case stating facts is not judging its trying to understand and deal with people like Riscuity, a company that takes the law and twists it to hurt and demean people,what I say is facts true and hoping it helps those still stuck working for or with them understand you can leave, you can deal with them and not fear for it. this site gives all of us the freedom to express how we feel and get help to deal with these low lifes.

Och you are correct, W. Jones left, oh FYI she was fired, but Hendricks is still there, I stand corrected, but both are in Kennesaw, both played the same positions or near positions with the company.

You aren't AKA Mike Adams are you, cause if you are you are the leader in treats, and no the ones getting fired are the people trying to STOP the treats, when they don't do it, they get fired, notice I am being nice an not telling you REAL NAME, how are you and Eddie AKA Special Agent,doing HAHAHA

The notice goes to the fake COO or so called Riscuity Executive. First you are not the COO on this date I was and DID LEAVE and I was NOT fired. who ever answered this did not know crap, DO NOT GO ON THIS OR any web page and state facts that are not true. just sign me LD, You might now be the COO but not the date you responded. sure your name is not BC, sounds like this is your work. Ed Chens a good man, just poor choice in his management team this past year, shoe fits BC

I was just told of this web page about Riscuity, I am shocked at the people who state they are employees or at one time was an employee. I was, I can say most of what I read in these pages re collections are very true, but the back stabbing of each other re the employees, that is crazy, most of the employees this past 15mo are people who can Not work at other agencies no a one is better than the other, to come on this page and voice all this at each other just shows how low this company stands now. how very sad, I had great hopes this would become a valid, caring place for good people to earn a living, so very sadi it now comes to web pages of trashing each other. this page is for those who need help trying get their bills in order not hear the back office trash at each other. the Del------family would be livid shoud they ever get wind this is what the company now stands for. sad sorry bunch of loosers. all the ex or current employees take your bashing to another web page and let the people needing help get what they need.

I have to back Eric up, We are a company that is heavily recorded and monitored on a daily. However, I have spoken to debtors that have said they were told things like they would be arrested, or a cop would show up at their jobs. And believe you me, If a collector violates the fdcpa at Risquity you are out of there! The training is extensive and you must excel to go out on the floor, Now you do have some Veterans that still want to try that old school collections and they are no longer there. I am a witness to this. I'm currently employed there and have been for some time, I have seen them remove people when they violate. I am also the #1 Collector and I do very well. I don't threaten anyone and I get the job done. I treat people the way I want to be treated if I were in that position. If you wrote the check and you owe it, pay it!. If you have proof that you paid it, send it to me. My Motto is: "Documentation speaks better than Conversation". Fax me your proof and I'll close it out. Simple as that. It's 2006, Riscuity is on the move and stop dogging out our Company. If you need help, ask for the no #1 Collector. Ms. BB

Dear Mr.Curious George,
First let me share something with you.I like to feel I work with everyone and helping them with the learning of God.Like yourelf...But I had some friends of the Church owed money to this company and they came to me for help.We contacted the collector that was calling.Which was a very nice lady and she told me she was only doing her job.Also she ask me if the party that I was calling for and in there behalf.She would need permission from them in order to dicuss there account information.I said I would give them a call and have them to meet at the offices here at the Church and we would call back.We called back and spoke to the young lady again and explained to the lady as to why the account was failed to pay.She told me that there was nothing she could do.But would talk with her Manager and see what she could do.She put me on hold and then the Manager came to the phone and onces again.I was telling him as to way the checks went bad and why the checks were not paid at this time.Not only did they work with me and the member of my church.But sent money for those other familys and Victims of Katrina.I'm sure collection is very stressive job.I know I wouldn't be happy doing it.But do see the need in doing it.I do half to collect money for the Church to keep it up and going.
I hoped that I answer your question Mr.George.May God Bless You and Your Family's...
REV.J.D.Franklin

eric u r totally wrong! u just exposed how ignorant riscuity people are!! hehehehe

Rev. I will not go back and forth with you especially when I know that you are lying. Riscuity has not sent one dime to Katrina victums, in fact they are taking money from them still because the red cross has given them money. This I know for sure that you are clue less. If someone has done something to help you then you should have voiced that the first time you entered this board and by the time I read it it would not have seemed one sided. The bottom line is that collector's and people (most) are being driven in the ground not only by one Riscuity but by many who are non caring human beings. Of course you care as we all do and as I explained before that titles don't mean much. At first I thought that all collectors where the same. Most of these occurances happen because they are allowed to treat us this way. I will inform most that unless you WORK with people you won't receive much. Collectors make a living collecting not threatening. It is a shame that I know who most of you are and there are mostly lies here. I will wish all the best and a better work experience. Until then keep justifying your wrong doings and see just how far you get. To those who received help I am sure it is an individual that helped you because it is their job to do so. There are great Agencies to work for. As for the number one collectors at Riscuity. I have been told what that means. So keep bragging in a pool of mess but my advice to you all is to get up in the morning and do something gratifying. This job is designed to HELP PEOPLE. By the way the BEST COLLECTOR AT RISCUITY is the one who just got there and outshines them all. What you old washed up collectors need to do is leave so that the young blood like myself can do something better. As you can see I am not going anywhere I know how to treat my people and the proof is in the dollars collected. Still Employed and you don't like it! Whats up to my fellow collectors, ML MA EG and of course TD Oh yeah REV. Keep helping and blessing we need it!

You all still miss the reason this web page is here, it is to help the people who are being harrassed. or people that do no understand the laws of collectors. I know most names still at Riscuity, and most names of those that are gone, NONE fired for fdcpa violations /some just changed their AKA, those that are gone are ones that found this is not a good place to work, it has no future growth in take home earnings, there are a few good collectors but those are looking for other jobs, the nice collectors are back office helpers not front line collections. The so called top collector I think is RW, and he is listed in complaints go back a few pages. And what do you call a top collector, the kiss the boss butt,cheat, lie and violate the FDCPA, do what they ask or really resolve calls to the Rev. get a life. Riscuity can hardly pay their bills and meet payroll, they never sent a dime to help the katrina situation. WHo are you kidding. why don't all of you so called employees go back to the boss and let him tell you what to write next. The only way Riscuity is going to change is the management team now must go first, get new honest management in that knows how to run a collection office. The office now is a breeding place of low life who can't get a job at other agencies. Those that can left and have jobs, why are you still there??????????????

I just do not like to be called a lira,nor kidding anyone.But the reson for this letter to you current and past employee's.Yes there was money sent here in the amount of $5000.00 on a personnal check from the manager that I was talking with that day.After speaking with him.I received a letter stating that I know this is not much but hopefuly it will buy food for the member's of the church.Siged from all the employee's here at Riscuity.
This first letter was just to let you know the experience I had with this company.Not about payroll issue's,paying of the bills.That some of you speak off.And all the harse remarks that ex-employee's have had.I do not care about that...
But this message board is to help people understand.The public's understanding of collection and where to go if they have had a bad experience with a debt collector.May it be to the manager's or someone in the outside if need to be.And to where we as the public can go to get help.If we get caught up and in over our heads with outstanding bill's.
So I hope that all of you that are having problem's here or anywhere will just pray.God Bless You All.
Rev.JD Franklin

A lier is not a word I use, you used the word liar. BUT I know for a fact Riscuity, U.S.A. or Riscuity Asia did NOT < I QUOTE did NOT send you a 5000.00 or 5.00 check, if you have a Riscuity check signed by the manager you are in bigger trouble, as the manager can not an any time sign a Riscuity check, the CFO, (DM) or other auth persons (not the manager) did not sign a check to you, your church, your organization. if so its fraud, unless its from Mr Chen himself and that would not be the company, it would be him, his personal account. Tax writeoff. as for Riscuity, trust me IF ANY ATTORNEY contacts any of the past/present employees they WILL....without problem sing/give clear true answers that would put this company in deeper trouble. Before you start making statments of how wonderful they are you need to do deep research, you will find not only are the people worried on payday (checks not there or can not cash until day later) the creditors are not paid on time, there is little or no cash flow, so when you praise them for a donation you need to make sure who sent the so called check, it was not the company, and the manger does not call himself a manager, he calls himself a much higher name. you are so far off base with this company its sad......

If you would like have your attorney contact the office, get the names and address of past,present employees, I promise you they will sing, myself included, glad to be gone, oh and I went on my own. didn't take me long to see what a dump this was.

Finally this is over. All lies exposed. No glory for wrong doing right REV. Thank you all for speaking up! Victory will prevail. I will help any one who has a debt at Riscuity. ASK FOR A LETTER and do NOT PAY until you get it! Stop giving your checking and creditcard account numbers over the phone lines. STOP falling for the threats as we are letting you know now that they are no good. IF you are a collector GET a job where someone cares about you. Finally to all ex's and lower class workers at this company. HELP the public they are people just like you. Stop finding fault and look for something good ok...SO I guess that means we will post in the year 3,000. Oh yeah and if any one wants to take all of this higher you have about 17 followers. Just let me know.
Karina Check " That's Cute" I think one employee got canned for going to NEW ORLEANS its ok because Ricuity still keeps on ticking! Hope this helps

Is anybody able to open all of the forums?

I am a former employee i left on my own. For the debtors who have debt purchased by riscuity. Contact the various credit bureaus and dispute your claim. Then contact riscuity and ask for proof. In 90% of these cases they cannot provide because they are non existent. Read your rights riscuity cannot hurt you. I would be willing to be disposed. These people give the good collection agencies a bad name. If edward has gotten rid of bob, james and wes more power to him. Maybe he can change the mess they have made of his company. And i agree with the writer if the delgado's really knew what was going on it would all be shut down.

Some of you low-life bottom feeders should stop
wasting your time and look for jobs or better things
to do. Did you ever think that the reason why you have
the time to waste spewing rumors, deceptions and BS is
because you got fired or were about to get fired
because of your own accord? How about the former "CFO"
who wasn't even certified as an accountant. Who sucked
money out of the company and hid in an office or
cubicle running another business on Riscuity payroll,
we all knew what you were doing. And the BS you spread
while working for the company. You got run out of the
company, you did not leave on your own. Did you lose a
finger for lying in your previous job? Stop the BSing
and state the facts. All you did was tell people how
"broke the company was" and how they could not pay
bills or payroll. You would stand outside in the
smoking area and just bad mouth the hell out of the
company. I for one, brought it to the attention of the
powers to be. HA, now you are gone! Thank God! There
are over 100 happy/satisfied employees in Manila along
with the 70 employees here in Georgia. This place has
gone through a ton of POSITIVE changes over the last
year. Most of the positive changes were getting rid of
the dead wood idiots that did nothing but complain,
took a paycheck without working for it. You all know
who you are. Why won't you all just grow up, stop
acting like immature babies, get a life and stop all
the BS'ing on this board once and for all. We come
here to Riscuity to earn a living and take care of our
families. If you think you are going to shut the
company down, you should think again. Your immaturity
is really starting to show. This company is NOT in the
"mess" as the ex-employees depict it to be in. If it
was so bad and a horrible place to work, why would a
good majority of us working here have a tenure of more
then a year. We watch all you jerks take advantage of
the company until you got caught. Either stealing,
lying, cheating, sexual harrassment, never showing up
for work, complaining, law breaking or pure laziness.
The present people who run this company are good
people. They are making the changes for the better and
for the better of their employees. They just promoted
three people into management who came in the door as
rookies and who proved themselves. They are in the
process of changing the software systems to make it
easier for us to make bonus checks. They moved us into
a better facility that is more modern and a real nice
place to work. The portfolios they are buying are
better. We do not break the laws like you ex-employees
say we do. In fact I betcha many of the people pissing
and moaning on this board are those who did break laws
and you got caught. They have made our benefits
better. Last month over 15 collectors made a bonus
where under the previous management no one made
bonuses. They have given away cruises and other
contests in order to make this a more enjoyable place
to work. They identify the losers and they remove
them. We are bill collectors. For what we do, we do it
as professional as we can. Mr. Ragsdale is a great
person to work for. We enjoy what we see and what is
happening. Everything is coming from the top and that
includes all the top management that have been
crucified on this board. Edward, Bob, James, Wes,
Kevin, Bonnie, Gerald, Gil, Nathan, Diane, Denise,
Joy, Jay, Aretha, Mike, Kyle. They are all top notch
people that work hard and have made all these positive
changes. You "ex-employees" should look in the mirror
once and for all and realize what low-life's you
really are. You are the liars and cheats and law
breakers that people on this system talk about and
like a bad tooth you all got extracted. Someday you
will answer to your maker and pay the price for your
ignorance and stupidity. Your comments, threats and
downright lies are getting old and we (as I speak for
all the collectors) are going to ask the management of
this company to find out, with this board's help, who
you are and do whatever can be done to stop this once
and for all. Don't you all realize that your postings
are going to get you nowhere? Go ahead be deposed,
then we will all know who you really are once and for
all. It will make all of our jobs easier to find out
who you are. All I can say is shame on you. I can also
tell you that there are still one or two rotten eggs
left over from the previous management. We all know
who you are and so does the management of the company.
Your next to get the boot. You can join the rest of
your cronies on the unemployment lines shortly. Don't
worry about that. You talk, be careful who you talk
to, when you think you are talking to a friend, that
friend is exposing you. Fair warning, a list has been
dropped in the right people's hands exposing you. Your
days are numbered! Some of you low-life bottom feeders should stop
wasting your time and look for jobs or better things
to do. Did you ever think that the reason why you have
the time to waste spewing rumors, deceptions and BS is
because you got fired or were about to get fired
because of your own accord? How about the former "CFO"
who wasn't even certified as an accountant. Who sucked
money out of the company and hid in an office or
cubicle running another business on Riscuity payroll,
we all knew what you were doing. And the BS you spread
while working for the company. You got run out of the
company, you did not leave on your own. Did you lose a
finger for lying in your previous job? Stop the BSing
and state the facts. All you did was tell people how
"broke the company was" and how they could not pay
bills or payroll. You would stand outside in the
smoking area and just bad mouth the hell out of the
company. I for one, brought it to the attention of the
powers to be. HA, now you are gone! Thank God! There
are over 100 happy/satisfied employees in Manila along
with the 70 employees here in Georgia. This place has
gone through a ton of POSITIVE changes over the last
year. Most of the positive changes were getting rid of
the dead wood idiots that did nothing but complain,
took a paycheck without working for it. You all know
who you are. Why won't you all just grow up, stop
acting like immature babies, get a life and stop all
the BS'ing on this board once and for all. We come
here to Riscuity to earn a living and take care of our
families. If you think you are going to shut the
company down, you should think again. Your immaturity
is really starting to show. This company is NOT in the
"mess" as the ex-employees depict it to be in. If it
was so bad and a horrible place to work, why would a
good majority of us working here have a tenure of more
then a year. We watch all you jerks take advantage of
the company until you got caught. Either stealing,
lying, cheating, sexual harrassment, never showing up
for work, complaining, law breaking or pure laziness.
The present people who run this company are good
people. They are making the changes for the better and
for the better of their employees. They just promoted
three people into management who came in the door as
rookies and who proved themselves. They are in the
process of changing the software systems to make it
easier for us to make bonus checks. They moved us into
a better facility that is more modern and a real nice
place to work. The portfolios they are buying are
better. We do not break the laws like you ex-employees
say we do. In fact I betcha many of the people pissing
and moaning on this board are those who did break laws
and you got caught. They have made our benefits
better. Last month over 15 collectors made a bonus
where under the previous management no one made
bonuses. They have given away cruises and other
contests in order to make this a more enjoyable place
to work. They identify the losers and they remove
them. We are bill collectors. For what we do, we do it
as professional as we can. Mr. Ragsdale is a great
person to work for. We enjoy what we see and what is
happening. Everything is coming from the top and that
includes all the top management that have been
crucified on this board. Edward, Bob, James, Wes,
Kevin, Bonnie, Gerald, Gil, Nathan, Diane, Denise,
Joy, Jay, Aretha, Mike, Kyle. They are all top notch
people that work hard and have made all these positive
changes. You "ex-employees" should look in the mirror
once and for all and realize what low-life's you
really are. You are the liars and cheats and law
breakers that people on this system talk about and
like a bad tooth you all got extracted. Someday you
will answer to your maker and pay the price for your
ignorance and stupidity. Your comments, threats and
downright lies are getting old and we (as I speak for
all the collectors) are going to ask the management of
this company to find out, with this board's help, who
you are and do whatever can be done to stop this once
and for all. Don't you all realize that your postings
are going to get you nowhere? Go ahead be deposed,
then we will all know who you really are once and for
all. It will make all of our jobs easier to find out
who you are. All I can say is shame on you. I can also
tell you that there are still one or two rotten eggs
left over from the previous management. We all know
who you are and so does the management of the company.
Your next to get the boot. You can join the rest of
your cronies on the unemployment lines shortly. Don't
worry about that. You talk, be careful who you talk
to, when you think you are talking to a friend, that
friend is exposing you. Fair warning, a list has been
dropped in the right people's hands exposing you. Your
days are numbered! And to the people on this system like "JJ" who gets his thrills by enticing the former employees and egging them on. You too need to grow up. If you or anyone else has concerns or comments about Riscuity, be a man and call the company and talk to the people who work here. You are just as bad trying to encourage "class action lawsuits" or depositions. You need to get a life to. Like I said, there are about 30 of us that work here that have read thios message board. We are tired of all the BS and Lies and attempt of deformation of character you are trying to do. I hope as we all do that when the company finds out who you are that they sue each of you for so much money that you will never make a living. Just like you are trying to or attempting to put us out of work, we hope the same ill feeling as you should all rot in hell!

This guy breaks all laws. Openly employed and re-employed a crack head (Mike Kelly). Stole jobs from key managers Kevin Williams and Renee Meadows to give jobs to his friends (Eddie Gonzalas). Covered up sexual harrasment claims against Eddie Gonzolas while he broke the law calling debtors using the name Detetive Santos making all types of threats.
Marco Delgado from his Board of Directors backs him in all of his illegal activities.

I am an ex of this company, My reason for leaving is private, I read and laughed at those going back and forth, these sick or no life employees past or present, but when you start listing peoples names first and last, CFO's CEO's any employee past or now who is a wonderful person, making statements that have nothing what so ever to do with this site, the trash talk and complaints it is going to far.......you write a good book , how great the company is, that is your right but don't list other people by name that have nothing to do with how you see this company, and unless you know all the facts don't print that Mr Chen fired people to hire others. you are out in left field, you have no idea of why these or others are no longer employed, nor is it your business to list them on this trash site you choose to make your stop each day, your book shows how angry you are at life, either keep it clean, help others or get off the site, do something good help people stop trashing those that tired in the past. And befor you speak for all the employees Manila or US. get your facts. speak only for yourself, no one knows how others feel about their job. in reading these pages it sounds like most are not as happy but if not they need to do as others in the last 3 yrs did leave, and again if this is the great place you feel it is stay, but stop listing people who really don't care what happens at Riscuity and have moved on to better places..........

I don't like taking calls telling me my name was used on any site. SO...I make this statement once, and I hope to never visit this site again. I give you my full name, I have no problem as it seems most of these idiots posting derogatory information about others do, legally it's called, defamation of character. UNTIL YOU KNOW WHAT YOU ARE TALKING ABOUT KEEP MY NAME OUT OF THIS.!!!!!!! You have no idea why myself or any others left Riscuity. And the fact is its none of you business. If you have any knowledge of the collection world you would know that any start up operation will have changes, many many changes until the companies growth needs are met. This is not new, anyone in this business knows this, good people come and go. You bring your knowledge, train then move on. As for the things I read on this site, there are two sides to every story and I can assure you no one is telling the full story. There are good and bad in both collectors, managers, owners as well as debtors. Stop using this site or any site to vent your anger, use it to help those who need help, show respect for your company, your co- workers and most of all yourself. what you seem to do here make it sound like a war zone. I have been in the business 21 yrs and never been associated with such low dealings as what I read here. I will be faxing a copy of this statement to Edward, and the board members as I do NOT want associated with such employees, past and current that contribute to this site.

I am neither a past or present employee of this company but I agree with Renee. All companies go through bumps and grinds if they are new. From the looks of it, they are fairly new. The ex-employees of this company should keep their comments to themselves. If they feel they were terminated wrongfully then seek legal action. If you were terminated because you did not produce or a trouble-maker then shut up once and for all. If you are present employee, why I ask are you posting stuff on this board to begin with. To defend yourself or the company? and shouldn't you be working instead of reading this message board to begin with? No ones names, addresses, or any other personal information should be given out in this or any forum. That CAN have repercussions, so I agree with the letter the COO wrote to this message board. I also agree that this board was set up to help consumers, not a venting ground of bickering former and present employee. I think it is this board's responsibility to maybe clarify the use of the forums and disallow this type of behavior. This is not the purpose of this website. Unless the people responsible for this site put an end to this he said, she said, they did, you didn't do, we are great, no you suck stuff going back and forth, I do not think it will stop unless this website puts a stop to it. Just my opinion.

David Greshim

don't be fooled by Cervelli, he is looking to get glory because he is on his way out. he is a pariod, control freak, he is only respected by his crony management team, Riscuity never had complaints, never had legal action taken against them until his group came on board. the old managers got the boot but not because of the reasons people are on this site. they followed the law. I would not put it past him to being the one that put most of this trash on the site. now that it is out of control, the site no longer deals with this management tactics and collections violating laws he moves to a new one that tries to make him mr good. sorry those of us that work for you, past and current know exactly what you do all day, you know and ha ha ha we know

Got a question if someone can answer it. My checking account had a debit for Riscuity for $435.00 this morning and I did not know who this was. So I went to the bank and do a ACH unauthorized transaction and they will reverse it. Now that I know it is related to payday loans, I was also in a bind with payday loans last year. I was never contacted from Riscuity. Does anyone know what will happen know that I went to the bank and do a unauthorized ACH? Will they contact me now? My work number and home number and address is all the same as when I would have taken the loan. Every payday loan that called I did make arrangements and paid them. If this is one I have never been contacted by anyone before it was sent to them.

I do not know which payday loan they are trying to collect for so I guess I am hoping they will contact me so I can see if it is paid. If it is not I will pay it, but I will fight if they try to collect any other fees. I was so much in debt with payday loans I dont remember how many I had. But I learned my leason and now when I finish paying them off I call for a letter telling me it is paid off so they can't come back on me.

From my personal experience Riscuity owns your debt at this time#1 You have not received any notification of the ACH debit #2 that is illegal #3 is any one really helping you? If not listen closely NO ONE has the right other than the ORIGINAL CREDITOR (CONTRACT HOLDER) to debit your account. A (redeposit) can only happen if the debt has not been purchased by an outside agency. Contact Riscuity, make a formal complaint to the proper personal and make arrangements after you receive your letter. Do not EVER assume that ANY ONE can just debit your account. It seems that you are worried because you have so many loans out. If you owed a loan and that institution was not able to collect it. Riscuity bought it and is now trying to force you through your assets to pay THEM (not the original creditor). Remember Riscuity has purchased your debt so they have paid the creditor for you. They should not go into your checking account just as they cannot come into your house and make you empty your pockets. Why haven't you called them? I would if someone was playing with my well being. Let me know what happens

MK

MK--I just went to the bank Friday to do an unauthorized ACH so I am waiting until the ACH debit is reversed then I will call them. I have never heard of this company Riscuity until I seen the ACH debit on Friday. Good chance that I look at the my bank account every day that I got to catch it before they actually got the money in their hands. I just got my checking account straight from the year of payday loans that I had. I did not think I had anymore loans out there. After I found out what Riscuity was I was wondering why they never contacted me before they took money out. If I owe something I will pay it, but it will be thru money orders, no checking account. I learned my leason with this. Thanks for everyones help and input. These boards have helped me alot.

Let me tell you how they do this. They purchase your bad check. They take your check info and load into a database along with the others. They then upload all of this to their company that processes their ACH and what ever they get paid for they get paid for then they start their calling on the ones that did not pay or were caught like you did. All of this is illegal. They never send out notification of the transaction from your account and they don't have any copies as proof to you. So make them prove it.

Ok on Monday I recieved an email from Riscuity stating they purchased my payday loan from Zip Cash. I was checking back to see if I finished paying them and I thought I did. This loan was back in 2004. I looked at what bank statements I had online and I can only see the withdrawals they took in February and March. They said that I can contact them are they will contact me. I would like to contact them before they start calling me at work. What should I ask them to send me so that I can see how much the loan was for and what I paid so far? The other payday loans I paid was with the original company so I never encountered this problem. Any help would be appreicaited. I finally got all calls to stop at work and dont need anymore. I guess they are mad now that I stopped the ACH debit from going through.

JJ, I dont know if the debt is valid. Do you know where I can find an example of a debt validation letter? Also will the letter get them to tell me what I paid to Zip Cash? Should I contact Zip Cash?