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Got an ugly responce from my first letter I sent

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Posts: 25
Credits: 899.5
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Sent out the letter letting the PDL know they are illegal in my state and to stop withdrawls out of my account. I even asked for a refund ( loan was for 300.00 and I paid back 780.00). Their collections replied back saying the contract was completed via the World Wide Web and the governing law is based in the isle and providence of Nevis West Indies Bahamas. I am so confused
PDL is Everest cash advance and I am in CA




paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #1 be prepared as alot of your illegal lenders will send that crap.
Wed, 03/23/2011 - 14:13

be prepared as alot of your illegal lenders will send that crap.that is exactly what it is crap.your state law applies and they know it.they are just trying to see if you will believe their crap.don't they are illegal and re-send your email.keep re-sending.you are right,and they are wrong.last thing for this post.if you haven't filed AG complaints do so asap.




Confused in CA
Posts: 25
Credits: 899.5

Sub: #2 They sent another e-mail asking to contact them to cut by balanc
Wed, 03/23/2011 - 14:30

They sent another e-mail asking to contact them to cut by balance owed by 30% even tho the prinicapl was paid in Full. I will continue to resend the letter. How do I report to AG?




paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #3 well some AG'S let you file online check with your AG'S website.
Wed, 03/23/2011 - 14:56

well some AG'S let you file online check with your AG'S website.if you can't file online then they should have forms you can print up and send.btw their follow up trying to offer a supposed reduction in what they think you owe is laughable.they are ridiculous.




aubrey


Debt Samaritan
Posts: 1205
Credits: 26204.761432107

Sub: #4 Did you close your checking account so they can't withdraw any m
Wed, 03/23/2011 - 15:11

Did you close your checking account so they can't withdraw any more funds?




Unregistered

Sub: #5 Every US bank and credit union has a standard form to reverse un
Wed, 03/23/2011 - 20:52

Every US bank and credit union has a standard form to reverse unauthorized electronic transactions. It is your right to revoke pre-authorized debits. Call up your bank or credit union and ask where you can get the form for unauthorized electronic debits. Send honest copies of this form to your bank every time they attempt to debit after you told them they couldn't. Your bank will refund you the amount they took plus any bank fees that wouldn't have occurred if they didn't debit to begin with. Your bank will also charge them a fee for each reversal.




reeree313
Posts: 14
Credits: 348.4

Sub: #6 Attorney General Complaint
Thu, 03/24/2011 - 06:17

I just wanted to add that i did file a complaint with the AG of Florida over a PDL company, and they really didn't seem to care that much. Told me to file with the AG of the state that the lender was in and to contact internet crimes division etc...but basically didn't offer any help from their office. I was very disappointed




paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #7 i am too.since if a pdl isn't licensed in FL the loan is non-enf
Thu, 03/24/2011 - 06:33

i am too.since if a pdl isn't licensed in FL the loan is non-enforceable,or collectable.suprised they responded that way.do you have a name of the person who responded?again your AG has fought pdl's hard,and if someone in their office is not doing what they can to help you then you should report that person right away.




reeree313
Posts: 14
Credits: 348.4

Sub: #8 her name was Sarah Layton from Pam Bondi's office is the one who
Thu, 03/24/2011 - 09:02

her name was Sarah Layton from Pam Bondi's office is the one who responded to me. I don't even know what to do from here and I'm extremely frustrated




Confused in CA
Posts: 25
Credits: 899.5

Sub: #9 Yes I closed the account, I thought for sure they would've began
Fri, 03/25/2011 - 08:59

Yes I closed the account, I thought for sure they would've began to call me but no one has called. Eastside and Advance Me today didn't even respond to my letters. Only Everst responded




aubrey


Debt Samaritan
Posts: 1205
Credits: 26204.761432107

Sub: #10 When Eastside goes to debit your account and can't, they will co
Fri, 03/25/2011 - 09:30

When Eastside goes to debit your account and can't, they will contact you. They will ignore your letter and just keep requesting that you pay them. Just resend your original letter to them. When they persist, remind them that there's a cease and desist against them in CA.




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