This morning I recieved an email from USACashExpress telling me there was a problem with my checking account and I needed to call them asap. Having no idea who these people were I replied back saying I'm no falling for this. Here was their reply:
> We are CashNet500 and you took out a loan on 8-24-06 for $350 and this money
> was deposited into you bank account on 8-24-06. Do you not recall this?
> I am in the position to offer you a loan payoff on your account.
> As of today, your total CashNet account balance is $590, payment
> arrangements are for three(3) payments $200 due on 11-17, 12-1 and $190 due
> on 12-15.
> Payment method is Visa or MasterCard Debit/Credit ($5.00 processing fee).
> Confirmation Instructions
> * To take advantage of this offer it is very important that you
> confirm this loan payoff today.
> * To do this all you need to do is call or email me today with your
> card#, expiration date and three (3) digit code.
> This is a loan payoff, meaning once you confirm this payoff by providing
> your card information, your account will then be removed from the
> collections process, your balance will be frozen and no further charges will
> be assessed on the loan balance as long as you follow through with the
> agreed arrangement.
> Karen Lamb
> Advanced Collections Department
How sweet! They are offering to let me pay $990 total for a $350 loan.
So I need some opinions . . . . . Does this reply sound good? Should I tone it down? Change anything? Thanks!
Yes, I know I did business with cashnet500, but you emailed me going by the name USACashExpress. How am I to know that you do business under that name too? Also, I've informed Cashnet500 already that I'm having to file bankruptcy, through no fault of my own, I'm sorry my appendix nearly errupted and almost killed me and now I have a ton of medical bills, but more then that, I've been talking to the Oregon Banking Authority and their payday lender licensing department. Oddly enough, you do not have an Oregon License under Cashnet500, Global Payday, or USACashExpress. You also broke the law when you (or someone at your company) told me I could be arrested for fraud by not paying you immediatly. You also broke the law when you (or someone at your company) left a general voicemail on my employers phone, giving the details of my loan and saying I was going to have legal problems if I didn't call you back. Keep in mind this is recorded. You broke Oregon law when you made the loan in the first place. I have solid proof of every allegation I'm making here. According to the police department, licensing office, and Oregon State Attorney General's office, if you set foot in an oregon court and try to file anything against me you will be arrested yourself for doing illegal business. I will be retaining a lawyer for my bk, so I will have legal representation. So far I've paid you $315. My offer to you is $35 to pay in full the amount that I originally borrowed. Agreement of these terms by you will not stop me from further cooperation with the Oregon authorities, who are currently investigating you now.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
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