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Has anyone dealt with them? They are calling me regarding a payday loan with payday loan-yes. they are offering me a settlement. Before i give them any money i want to make sure they are for real......

PLEASE HELP!




Quote:
Originally Posted byAnonymous
Has anyone dealt with them? They are calling me regarding a payday loan with payday loan-yes. they are offering me a settlement. Before i give them any money i want to make sure they are for real......

PLEASE HELP!


first a couple of things.

paydayloan yes is totally illegal
how much was borrowed,and how much debited in fees
what state are you in.

you see if the amount of debits meets or exceeds the principle,then you owe neither paydayloan yes or halsted a dime,and shouldn't give them anything.let me give an example.

you get a 300.00 loan
they debit twice at 90.00
you owe 120.00 that is how it works with illegal lenders.

Sub: #1 posted on Sat, 03/13/2010 - 03:12

paulmergel paulmergel
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I live in Califorinia and honestly i cannot remember the original amount. I think it was 350.00. They just called me again and i aske that they not call me at work and i gave them my cell # but he said he would not stop until I made some sort of payment arrangement. I don't know what to do, is this company legit if i do make some kind of payment to them??

Sub: #2 posted on Sat, 03/13/2010 - 03:53

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oh and he said he didn't know if he could hold my account much longer and it would be forward to an attorney.

Sub: #3 posted on Sat, 03/13/2010 - 03:59

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Quote:
Originally Posted byAnonymous
I live in Califorinia and honestly i cannot remember the original amount. I think it was 350.00. They just called me again and i aske that they not call me at work and i gave them my cell # but he said he would not stop until I made some sort of payment arrangement. I don't know what to do, is this company legit if i do make some kind of payment to them??


there is nothing legit about either place.you can try old bank statements to find out how much was debited.i would tell this idiot to go scratch.he is a bottomfeeding slime who can't and won't do anything he threatens.in fact file AG and FTC complaints.your AG like mine in IL fights for their residents who are abused and threatened by garbage like this.tell this guy to do what he wants,but you are not paying without details in writing.

Sub: #4 posted on Sat, 03/13/2010 - 04:28

paulmergel paulmergel
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I'm sorry I don't mean to sound stupid but what does AG and FTC stand for?

Sub: #5 posted on Sat, 03/13/2010 - 04:40

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and if they do provide me verification and it turns out that I do still owe some money, is it safe to pay this company? or what should I do?

Sub: #6 posted on Sat, 03/13/2010 - 05:03

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Quote:
Originally Posted byAnonymous
and if they do provide me verification and it turns out that I do still owe some money, is it safe to pay this company? or what should I do?


ftc=federal trade commission
ag=attornery general

ask for VALIDATION not VERIFICATION.the two are different.i could verify right here that you still owe paydayloan yes,but since they are illegal you don't owe the inflated amount halsted is claiming.i'm guessing it's right at 350.00 or slightly higher.make this place prove not only you owe,but the outrageous amount they claim.i would still file the complaints.they basically violated the FDCPA with there false threats.go to FTC.GOV to file the FTC complaints.your state AG'S website should have a complaint link.again ask for VALIDATION not VERIFICATION.btw no question is stupid.not at all.

Sub: #7 posted on Sat, 03/13/2010 - 08:01

paulmergel paulmergel
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(Posts: 15506 | Credits: 1356.56)

this same company keeps calling my work and left a message stating they were going to start garnishment on my wages. I have never received a letter or anything period from thes people or anyone else reagrding a garnishment. They said they verified my employment already. Can they garnish my wages in Arizona without receiving any paperwork or anything on it???

Sub: #8 posted on Tue, 03/23/2010 - 00:41

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Quote:
Originally Posted byAnonymous
this same company keeps calling my work and left a message stating they were going to start garnishment on my wages. I have never received a letter or anything period from thes people or anyone else reagrding a garnishment. They said they verified my employment already. Can they garnish my wages in Arizona without receiving any paperwork or anything on it???


no they can't garnish without a court order.they can verify anything they want.this is an illegal collector trying to illegaly collect on an illegal loan.report them to your state AG asap.

Sub: #9 posted on Tue, 03/23/2010 - 01:01

paulmergel paulmergel
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(Posts: 15506 | Credits: 1356.56)

Thank you so much for your help

Sub: #10 posted on Tue, 03/23/2010 - 01:14

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