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ACH Revocation-Wage Garnishment and more questions

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Do ACH Revocation and revoking wage garnishments work with debt collectiors such as TRS and National Credit Adjusters?

How do I deal with these collection agencies wihere PDL sold the accounts? I will request the original contract.

Do I need to worry about my credit report?

Do these companies have right to file judgment? The phone calls just started today from NCA and TRS last week.




First of all tell us the name of the PDL companies. State how much you've borrowed and paid. Also, mention the state where you live. Another question, have you asked the CAs to validate the debts in writing?


Sub: #1 posted on Fri, 08/02/2013 - 10:24

Good Nelly Good Nelly
Industry Expert
(Posts: 2582 | Credits: 524.25)

New Jersey

Borrowed/Paid/Balance

My Next Day Cash $500/ $650.00/ 0 1st loan

$700/ $346.50/ $353.50 2nd

Due to overpayment in 1st loan, I stated I owed balance of $203.50. MNDC states my account has been paid 851.50


Strangely enough I got an email from TRS stating I owed $1058.00 on MY Next Day Cash and they want to settle $580.00


I called MNDC and they stated they sold account to TRS and to settle with them.


Sent C&D to TRS to tell them not to call my employment or any other numbers obtained. Asked them to send me contract stating of the balance. They want to talk to me.


Borrowed / Paid / Balance

Plain Greens $800.00 / $949.26/ overpaid $149.26

They want to speak with me. They will not email me.


Borrowed/ Paid/ Balance

Cash Call $2,500 /$670.00 / $1,825.00

They deducted 75.00 for processing fee. So deposit is 2,425.00. Representative claims I owe 3,325.00.

She said I can defer payments. It would seem that they are charging me $900.00 interest when she claimed $3,325.00. This is tough one though.


Everest Financial $500.00/ 0.00 / $500.00

They sent me email that this is paid in full.

I will call them Monday to see if its been paid in full or if they sold the account


Borrowed/ Paid/ Balance

Cash In A Wink $400.00/ $170.00/ $230.00

They disregarded the email regarding principal balance. I sent them 3 emails for C&D and 2 voicemails NO calls to work and C&D from ever calling employment. I reported them to FTC.

Cash In A Wink Collections told me I now owe $580.00 due to late payments. Though if I settle then they want me to pay $400.00 within the month of August.Told them I would call back


Sub: #2 posted on Sat, 08/03/2013 - 06:28

Anna Anna

(Posts: 36 | Credits: 4.08)

My Next Day Cash $500/ $650.00/ 0 1st loan

$700/ $346.50/ $353.50 2nd

Due to overpayment in 1st loan, I stated I owed balance of $203.50. MNDC states my account has been paid 851.50


Strangely enough I got an email from TRS stating I owed $1058.00 on MY Next Day Cash and they want to settle $580.00


I called MNDC and they stated they sold account to TRS and to settle with them.


Sent C&D to TRS to tell them not to call my employment or any other numbers obtained. Asked them to send me contract stating of the balance. They want to talk to me.


Send a cease and desist to TRS via certified mail return receipt requested. Inform them they are collecting on an illegal debt and to bug off.


Plain Greens $800.00 / $949.26/ overpaid $149.26

They want to speak with me. They will not email me.


Email them continually that they are an unlicensed lender and that you owe them nothing and to get lost,.


Cash Call $2,500 /$670.00 / $1,825.00

They deducted 75.00 for processing fee. So deposit is 2,425.00. Representative claims I owe 3,325.00.

She said I can defer payments. It would seem that they are charging me $900.00 interest when she claimed $3,325.00. This is tough one though.


Was this originated by Western Sky?? Then it is illegal...morally you only owe then principal.


Everest Financial $500.00/ 0.00 / $500.00

They sent me email that this is paid in full.

I will call them Monday to see if its been paid in full or if they sold the account


Do not call...simply keep the email you have. If they sold the account you have the evidence that it is paid in full.


Cash In A Wink $400.00/ $170.00/ $230.00

They disregarded the email regarding principal balance. I sent them 3 emails for C&D and 2 voicemails NO calls to work and C&D from ever calling employment. I reported them to FTC.

Cash In A Wink Collections told me I now owe $580.00 due to late payments. Though if I settle then they want me to pay $400.00 within the month of August.Told them I would call back


Stay off the phone!!! All communication via email. The loan is illegal under NJ law. You pay the principal back at your convienence.


Sub: #3 posted on Sat, 08/03/2013 - 09:07

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.15)

Chelley...please stop opening multiple threats. Keep everything in one thread.


Sub: #4 posted on Sat, 08/03/2013 - 18:07

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.15)

Soaplady .. sorry I will only stay within 1 thread


Cash Call

- I saw an email which originated from Western Sky that states my $2,6t00.00 loan was transferred to Cash Call. Although when I first called Western Sky, I automatically spoke with Cash Call representative. So for Cash Call to tell me I owe now owe is $3,325.00

- On August 23, the representative Gail wants me to re-sign an agreement. She is crazy.


I have been busy now reporting all the illegal payday lenders to IC3. I reported each to Consumer Finance Protection Bureau and will do same with NJ State Attorney General.


I was trying to get into the Plain Green account which I have an account, it denies my access even when I try to change password.


My Next Day Cash

I was doing research and it looks as if MNCD collection department is TRS as they have same address.


I reported Cash In A Wink for numerous violations. Maybe they will learn their lesson and I can get the balance charged off.


Should I be worried of Jet Lending and Payday Mobility whom I never heard from. Still no correspondence from them to me after 2 weeks.


I now receive phone call from 508-342-1534 stating I have a lawsuit pending. Probably a scam. They didn't leave the company name on voicemail.


Sub: #5 posted on Sun, 08/04/2013 - 21:35

Anna Anna

(Posts: 36 | Credits: 4.08)

I have reported all the illegal PDL to Consumer Finance Protection Bureau and IC3. My next attempt is the State Attorney General.


Very time consuming but worth it.


Sub: #6 posted on Sun, 08/04/2013 - 23:47

Anna Anna

(Posts: 36 | Credits: 4.08)

Yep, definitely worth it. Hang in there!!


Sub: #7 posted on Mon, 08/05/2013 - 19:03

bingonut bingonut

(Posts: 1433 | Credits: 168.82)

These calls I received on voicemail do not state the company but all stated they have received a lawsuit or order and want to serve me with a summons.


ames Hagler

877-788-1260

Reference:6 digits starts with a 3

-----------------------------

Tracy Smith

877-796-2459

Reference: xxxxxxxNJ

--------------------------

Daniel Griffin

508-342-1534

no reference #

---------------------------

Douglas Carr

877-385-7794

reference # starts with WG and 6 numbers


Sub: #8 posted on Tue, 08/06/2013 - 06:38

Anna Anna

(Posts: 36 | Credits: 4.08)

Spoke with lady Angie Huie who states they did not receive original contract and accrued late fees. Informed her FTC has filed lawsuit against illegal MNDC and the interest rates are illegal. Told her the company is illegal too. She didn't seem to care but said that is all she knows.


Sub: #9 posted on Tue, 08/06/2013 - 06:40

Anna Anna

(Posts: 36 | Credits: 4.08)

Ignore them..they are all scum bottom feeding collection agencies..the more you talk with them..the more they will continue to call..report them all to the FTC, they cannot threaten to serve you..find out the companies and send cease and desist letters..certified mail with return receipt....


Sub: #10 posted on Tue, 08/06/2013 - 06:52

prissdakat prissdakat

(Posts: 33 | Credits: 3.4)

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