MTE financial contacted me via email

hmmm....I haven't a clue. Can you counter offer based on the info you have?? And you have a complaint with the AG don't you??

Did you actually owe them money Cannr??

From the way I have it figured - on this one - I owe them $82.50. They are saying $117.50. However, on one other pld - MTE FINANCIAL still - I overpaid by $45.45. That's why I want them to address ALL the loans together. If we can agree upon an amount for all three (since they can't stick to ONE name!)then that's fine with me. But I'm not going to get sucked dry three times with the same friggin company! If MTE FINANCIAL wants to d/b/a with 17 different pdl's, and they want to "settle" with people, they need to combine all the pdl's the person has into one settlement. That was the point I was trying to get across to them. Now why it that JUST NOW coming to me? I could have written that EXACT sentence in my reply! Damn!

yes I would have sent them a list of all three showing the balances and overpayments and the true total of the three together...can you send another corrected letter or email?? Are you using email? I couldn't find one for them.

cannr,

Which name or company is this with? I had a few loans with MTE/Rio and I had to handle them all separately.

Hi Cannr - may I ask you to post or PM me the letter you sent, you seem to be having great success and we are dealing with some of the same ipdls. I live in NY and apparently my letters are not too effective. Thanks

Cannr - I would forward the e-mail that you received from MTE to your AG's office with a note regarding when you received it and how the are handling your problem, and make sure that you cc MTE.

The 3 pdl's I have that are all actually MTE FINANCIAL are Quickest-Cash-Advance, One Click Cash, and US Fast Cash. The Quickest-Cash-Advance is the owe I'm showing owed (per my state law) is $82.50 or something. One Click Cash was overpaid (per my state law) by $45.45. US Fast Cash was overpaid (per my state law) by $6.64. They had not addressed me regarding the over paid ones. Only the one that still has a balance due. However, if they are counting these all as "new loans", which they are doing to refrain from using "rollovers/renewals", they are adding extra finance charges for each time it "rolled over/renewed". I'm really not in agreement with that. That's why I stated I owe $82.50 and they're saying $177.50. That's a big difference to me. If I pay them another $177.50, I would have paid $447.50 on a $300.00 loan, which by my law states the maximum to be $352.05. But they're trying to go around it by stating they they were "new loans" rather than rollovers/extentions/renewals. Now if they're trying to "get around" stating they were rollovers, they know that they are not permitted. Then they should also know that internet pdl's are not permitted in my state. However, they state that my laws apply for physical locations in my state (no shit) and does not apply to thier internet business model. They go on to say that this is based upon sound advice from their legal department. Why would my state laws not apply towards their internet model (whatever that means)? And I don't know if they're going to address each pdl separately as someone else stated they did with them because this is the first response I've gotten and it's only regarding the one with a balance due, which of course, they "up'd" the price of. They want me to contact them to provide me with the necessary information for repaying the $177.50 that they are willing to settle for. Willing to settle for? I don't understand. They're tacking on extra fees, calling it a new loan each time it renewed, blah, blah. And what do they mean THEY will provide me with the necessary information for repaying? They're going to tell me to mail them $177.50. I'm not stupid. Help me!

Like I said before - forward this e-mail to your ag's office and cc mte. Your ag's office needs to see how they are ignoring the laws of your state. You have it in writing. And there legal department -PLUEEEZE!

Okay. My state AG doesn't have the capability to file on line. I have to print out the form and mail it in. So I guess I'll go ahead and mail it in to them. In the meantime, MTE is going to send me to collections because it's not going to get resolved. I've printed out my email. And I printed out my response. I've gotten nothing back from them (MTE)of course. They'll wait 7 days and email me and say it's turned over to collections. Whatever. It really gets me upset, then it makes me mad. I've filed complaints with all the agencies on each pdl themselves, then one on MTE FINANCIAL regarding their 17 d/b/a's, their 8 addresses, and their illegal tactics. I just don't know what to do in the meantime. I'm about ready to go knock on the AG door and say "What the hell can I do about this?" LOL! Meanwhile, MTE FINANCIAL is claiming "innocence" and saying I had "obvious misunderstandings" about my loan. Huh? I understand they're lending money to residents in a state that they shouldn't be. I understand that they are tacking on extra fees that they shouldn't be. But they're "trying to settle this in an amicable way for good customer service reasons." Hello.

Just take a deep breath and relax. Get those letters out to the ag's office first thing in the morning and make sure that you e-mail mte and tell them that because they are unwilling to settle for the amount allowed by you state any and all communication that they send to you will now be forwarded immediatley to your ag's office. Also, file a compaint against them with ICE you can find their link on the site for Homeland Security. ICE investigates cyber crimes and make sure that you cc mte. You can do that tonight online.

Okay, irish. I'll go ahead and print it all out tonight and put it in the mail in the morning. I'll email MTE FINANCIAL and tell them I do not agree with their amount, as it is over my state law permitted amount. Should I just file it as MTE FINANCIAL, or as Quickest-Cash-Advance? Hell, I've already filed complaints on both! But this email is actually from the compliance department of MTE FINANCIAL.

Cannr, They are not going to get very far in the collection process. If Internet Loans are Illegal there they would be hanging thereselves. They are not that dumb. They will threaten thats all. KYSIDE38

Oh, by the way. I filed with the BBB on MTE FINANCIAL stating the whole story. I got a response from them today stating that they will not handle it because it's not something they handle. Something about MTE FINANCIAL being a "third party". I filed another complaint stating that MTE FINANCIAL is not a third party. They are the MAIN party of 17 d/b/a's and 8 addresses. What's up with this? I had already filed complaints for each of the pdl's separately, but it kind of rubbed me the wrong way when the BBB responded saying MTE is a third party. What? They're the main office of 17 different companies practicing illegally! Am I wrong here????

Ahhh,kyside! My friend! So I shouldn't worry about them sending me to collections? Yes, they are illegal here. Because I'm more than happy to file complaints AGAIN with all the agencies to include this wonderful email I recieved and my response to it. I was just thinking that in the meantime, they'll have some dip-wad collector calling me and add on extra fees and so forth. However, I believe you may be correct. I don't care that their "form letter" states I should have read where it said to abide by their laws. Ummm...abide by your own laws and don't lend where it's prohibited. Man........I feel like I'm just going round and round with these people.

Cannr, I have about 40 form letters from these idiots. They have been suponead in this state and will not show. KYSIDE38

Cannr...I am watching what happens to you with keen interest as I filed to the ag on MTE and US Fast Cash....I haven't heard anything as yet but imagine I will soon. I think you started the week before me.

I dont want to be the bearer of bad news. But mostly they will just disappear. My AG has been after them for two years. Like I have said in previous posts they claim to be indians and are exempt from US law. Most people who are reading this would think we are morons for saying this but I swear its the truth. This state is still hot on suing them but it is a lenghty drawn out process. They are not going to show in the states where they are illegal. There are too many complaints on this company they would just be hanging thereselves. As far as refunds I have just about gave up. If the AG dosent get it I know I cant. They owe me thousands of dollars but I am just releived to be free of them and have my checks and life back. KYSIDE38

Oh I agree Kyside...I have said before refunds are icing on the cake...I will be just as happy for a pif or for them to fall off the face of the earth and leave me be!!!

cannr,

Take a deep breath and relax! They won't send you to collections that quickly. It is just a scare tactic. It took them months to send me to collections. You only have to pay what you legally owe them which sounds like a small amount. Mail your complaints tomorrow and you are on the right track :-)

Well, it's okay to be the bearer of bad news, because that news isn't so bad. Of course 1/2 of us all expect the majority of the pdl's to "disappear". Which, I agree with morningstarr, is fine by me. I'm just going to make one more attempt and email them back (again since they are ignoring me once more) and state my legal amount again, address the issue of having more than one loan with them, that I filed complaints, blah, blah. That way I'll have documentation of everything. Then I'll file again with all agencies. At least I'll have hard copies of documents on my side. Plus the fact that if they do turn me over to collections, I'll have my written proof. And it's funny you mention then "disappearing" because the letters that I actually mailed to One Click Cash, US Fast Cash, and Quickest-Cash-Advance, with the addresses I had (all 8 of them) were ALL RETURNED UNDELIVERABLE. Hmmmm.........Think I'll mention that in my last attempt email also to the compliance department of MTE.

Cannr,
What is the email address to the compliance department of MTE? I have a loan with one of their DBA's and it always gets kicked back to me. Hell, yesterday I got an email from compliance(at)nationalpayday.com and when I tried to respond, it was returned. THey are very, very sneakY!!

blow,
pm me. I'll pm you the email address for mte. I too got my emails kicked back. They're real sneaky. However, I haven't gotten a response to my email, but at least it's an email! I'll have to look up the email again and give you to address.
Chris

Okay. I just sent MTE another email. They never responded to mine from yesterday. So today I emailed them very specifically regarding my state laws, questioned why their amount is higher than my state max, stated that they extended me funds under 3 different names (and listed them), questioned why I would have to abide by their state law and not my own, stated that internet pdl's are in fact illegal in my state, etc... Was VERY specific because I found the email to my AG's office. I sent the email to MTE, cc'd it to quickest-cash-advance, one click cash, and also to us fast cash. And ALSO the Attorney General. So...let's see what happens next in the little game we're playing. I pray to God they notice the AG's email on there! I also hope to God it makes a difference by me sending it to them. Oh well. At least they'll know it's been sent to the AG and that it's stated in there that they extended me 3 different loans (illegally) under 3 different names. You think this will be okay? Need input. I'm just winging it now! LOL!

Sounds good to me...I have several with dba's of MTE and I did file separately on all of them...but I haven't heard anything either...I don't worry about it any more...

Sounds good to me also. i filed complaints against every alias they had. KYSIDE38

Oh yes, kyside. I've filed under every d/b/a. I filed all separately, then I filed MTE alone. Hopefully someone will pay attention!

Cannr, You go girl. This will all work out in the end. KYSIDE38

: I applied with the same place I have three loans they prey on the poor and those who need money fast how do I get a hold of them

need numbers to mte fianacial

MTE FINANCIAL
515 G S.E.
MIAMI, OK 74355
1-866-213-0268 phone
1-866-539-7503 fax
compliancedepartment(at)mtefs.com

Feel free to contact them! :D

Good luck with any type of correspondence with MTE. They will offer you a settlement alright, more than what you owe! I got a settlement for another 300, when I had already paid over 400 to them on a 300 loan. NOT!!!

LOL, bflow! :lol: Yeah, they'll offer you a "settlement" for MORE money than you could imagine. But, that's only IF they decide they are actually MTE! LOL! :lol: They will claim they are not that company. It's actually kind of funny. So don't be surprised when they call you "confused" and claim they aren't THEMSELVES. I swear, they are the devil! :twisted:

hello fellow new yorkers i also have a loan with tendollarpaydayloan which is under the umbrella of mte. i reported them also to my ag and bbbny i am waiting on a reply. one of their rep called me last week and when i inform her of their illegal collection tactics she hung up the phone, i also told her that they are to c&d from contacting me by any thing except emails. an email wa sent to me from the compliance dept telling me to contact them. when i responded to the email i informed them that i have paid the amount required by my state and i need a paid in full. she emailed back and said i knew what i was doing because i am not a first time borrower and if i dont pay the money they were gonna send it to collections. i emailed her and told her to go ahead because i will be sending her a debt validation letter. since last tues no response from them. also to let you know usfastcash, one click cash are also the same owners MTE. i was fortunate to get a response from bbb that one click cash had me pif but no refund and usfastcash wanted 238 from since i have closed my bank ac. i told them no and they settled with me for 68 which i am suppose to send to them by 8/1. that i can deal with. 4 more to go. i have not gotten any response from my ag but bbbny has been very instrumental in getting me those two taken care of. so cannr and mperez dont give up. peace.

fine, honey, I'm so glad for you. You got a PIF from one of MTE's "alter ego's"! LOL! :lol: And one of their other "alter ego's" actually had a good settlement with you! Lordy, Lordy. I know about 18 different d/b/a's they use. And, what's sad is that there are probably more! I just refused their settlement offers. I couldn't do it. fine, they wanted more money after I overpaid. Then when they kept claiming not be be who they are, well, that just ticked me off all the more. So, off went complaints on MTE themselves, with all documentation, to the government agencies!

They are so the DEVIL! That is so awesome that fine got a PIF from MTE...my bbb complaint did nothing, I never even heard from them. Cannr, I'm not sure THEY KNOW WHO THEY ARE, LOL :lol:

Oh, bflow, they'll deny, deny, deny. But then when you've got all the documentation, what can they do then? Crawl back under their rock. Good Lord. How many personalities did "Sybil" have? That's MTE. :evil:

HAHAHA! I'm so glad I got some time back to come visit everyone. I pm'd you!!!!