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Finally heard from Ambassador

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Ok, I accidently put my original post in the wrong forum.
I received a letter from them stating that I still owe them $677.50 (I am in illinois, borrowed $400, paid back $180). He said something in his letter about since I wrote a check I am violating the bad check laws....I sent them the whole letter with the illinois law, filed with the bbb, AG, and the is it FTC? So this is what I get this morning:



How are you doing today? I am going to say this one time and one time only ma’am. You are correct ma’am payday loans are illegal in Illinois that does not apply to you in this case do to the fact you went on the internet and came to this company to fulfill your financial desires. At this time Ms. W we need you to be a responsible adult, you know you took this money from our company there should not be any discrepancy in us trying to retain these funds. If you are not willing to resolve this account ma’am we will follow up with any progressions needed to retain these funds being legally or voluntarily. I am fully aware of your rights as a Illinois resident but that does not negate the fact that you went online to get payday loans this is not free funding, this is a form of theft Ms. W and will be treated as so amongst other violations. I humbly apologize for the inconvenience and enjoy your day. I need you to call into my office at your earliest convenience.

Well, so he JUST admitted he knows that it is illegal, but apparently it doesn't apply to me. hmmm... guess it applies to EVERYONE in the state except me. LOL
What should I respond to him?
thanks!
Laura




Quote:
I received a letter from them stating that I still owe them $677.50 (I am in illinois, borrowed $400, paid back $180). He said something in his letter about since I wrote a check I am violating the bad check laws....I sent them the whole letter with the illinois law, filed with the bbb, AG, and the is it FTC? So this is what I get this morning:


Did you write a check?

Sub: #1 posted on Fri, 07/25/2008 - 19:30

Shazzers Shazzers
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You owe them $220.00, send them a letter stating you will pay back the principal amount, offer to make payments with money orders via USPS, tell them you need an address to send your payments. They have no legal ground to stand on, as you have already paid them $180.00 and are offering to pay back what you borrowed. Have you secured your bank account? Have you sent them a letter revoking ACH transactions and wage assignment?

Sub: #2 posted on Fri, 07/25/2008 - 19:35

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

also tell them that the IL AG would consider this more illegal
because internet or not they have to be licensed.plus an ACH
is not a check.let them know of your intention to file AG complaints then do it.this company is a bottomfeeder,don't let
them tell you otherwise.

Sub: #3 posted on Fri, 07/25/2008 - 19:35

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

I don't think signing an authorization can be converted to a check, seems to me that would be fraud in itself????

Sub: #4 posted on Fri, 07/25/2008 - 19:37

Shazzers Shazzers
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(Posts: 17342 | Credits: 1592.83)

i would also print that email and send it as well.nice arrogant tone there.ms madigan will have a field day with these dullards.

Sub: #5 posted on Fri, 07/25/2008 - 19:41

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

nope i never wrote a check. It was ACH. I have closed my account and have opened a new one. (well it got closed because of being negative).
I also filed with the 3 recommended places yesterday.. interested to see what they say. But I will email him back and tell him that I will pay the $220. This is the 3rd time I've borrowed from them, so I was only charged $15 per $100 which is Illinois limits. But, it had renewed or rolledover or whatever so tht was charged many times. I would probably cry if I calculated how much I had overpaid on the other two. *sigh*
Thanks for the help!!

Sub: #6 posted on Fri, 07/25/2008 - 19:43

lauramw71 lauramw71

(Posts: 72 | Credits: 13.83)

Oh that reminds me Paul. To file with the AG I have to print the form and mail it correct? I will definately send a copy of the email with it!! :)

Sub: #7 posted on Fri, 07/25/2008 - 19:44

lauramw71 lauramw71

(Posts: 72 | Credits: 13.83)

yep,that is how i did it,you are doing great.keep us posted.

Sub: #8 posted on Fri, 07/25/2008 - 19:48

paulmergel paulmergel
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(Posts: 15506 | Credits: 1356.56)

Well, I responded to the email.. told them I would pay the $220 balance that remains from my principal (borrowed 400, paid back 180). Told them that I am forwarding all this correspondance to the AG of IL. Didn't hear back from them. So today, I get a fax AT WORK! (I have already sent the cd letter, time for another one I guess). It was the standard, generic one stating that my employer maybe investigated if i used their pc to apply blah blah. Well, I applied over the PHONE so nice try on their part.
What do I do now after this point? Just sit and wait to hear back from the FTC, BBB, and AG?
Thanks!!
Laura

Sub: #9 posted on Sat, 08/02/2008 - 00:53

lauramw71 lauramw71

(Posts: 72 | Credits: 13.83)

gotta love illegal pdl slime. :roll: anyway,yes wait for the responses to your complaints.especially the AG complaint.just
let them keep shooting themselves in the foot.none and i mean none of what they threaten they can or will do.

Sub: #10 posted on Sat, 08/02/2008 - 02:40

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

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