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Need help with a PDL collection agency

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I live in California and I had taken out a few internet payday loans. One from Plain Green Loans, Great Plains Lending and Spotloan. After doing much searching I found out that these companies are illegal in California. With these 3 companies I have well overpaid the principal.
I closed my bank account and sent off emails to Plain Green and Great Plains with nothing but grief from them. These 2 went to collections. They called my work which I told them NOT to call there. They haven't called back. But they call my cellphone daily (how they got that I have no clue). They've called my brother-in-law, ex-husband and my daughter.
I drafted a letter to send to them and would like your opinion.

To Whom it may concern,

I am writing in reference to National Credit Adjusters, LLC account number xxxx. I hereby demand you cease and desist ALL contact with me, and anyone associated with me, including friends, family, and coworkers regarding account number xxxxx, original creditor Plain Green LLC.

The original creditor Plain Green LLC is not licensed in the state of California to do business per California Department of Business Oversight making the contract null and void. Any further communication from you to me or anyone associated with me in regards to this illegal debt will be taken as a violation of the FDCPA and I will not only report you to the FTC and my state AG, but I will take legal action against you.

Govern yourself accordingly,

I also sent an email to Spotloan explaining to them that they are not legal to do business in Ca. and that I paid $500 over the principal. Not sure how that's going to go as I haven't received anything back from them




Hi,

Yes...you did the right thing...you can send the letter through an authorized Email service or a certified mail.
Don't loose your cool, if they call you again, just ignore the calls and ask your family members also not to entertain such calls.

Sub: #1 posted on Wed, 03/08/2017 - 17:44

Barbara Delinsky Barbara Delinsky

(Posts: 123 | Credits: 12.62)

Your 'Cease and Desist' letter should be enough.

Never ignore collectors' calls or letters. As you already know, talk to a lawyer and sue the debt collectors, if you believe their actions infringe your rights provided under the FDCPA.

Apart from that, follow a budget and save more money to avoid using credit more often.

Sub: #2 posted on Wed, 03/08/2017 - 18:50

paulcahill80 paulcahill80

(Posts: 2359 | Credits: 258.2)

Hi,

You have taken the right action against those illegal payday loan companies.

Write another email asking them for a written document that "the concerned account has been satisfied in full and is now closed".
If they still call you or your family members then contact your State's General Attorney.

Sub: #3 posted on Wed, 03/08/2017 - 18:51

sanderspatricia29 sanderspatricia29

(Posts: 319 | Credits: 37.4)

Thank you. I'm printing the letters off then off to the post office. This National Credit Adjusters are just horrible. I know they can only call family/friends once. Which most told them to piss off except for my brother-in-law which is how I think they got my cell #. This company has crazy people working for them...lol Everyday they call twice a day and always with a local area code and they're not local. I found an app for my phone that wills send callers not in my list to voicemail which I don't have voicemail set up :)
Anyway, thank you all for your input. I really appreciate it.

Sub: #4 posted on Thu, 03/09/2017 - 02:16

nankatfog nankatfog

(Posts: 8 | Credits: 0.91)

OP - Go through this thread. You'll get more information on National Credit Adjusters.

https://foru ms.debtcc.com/settlement/about26387.html

Sub: #5 posted on Fri, 03/10/2017 - 11:47

ditchdebt ditchdebt

(Posts: 553 | Credits: 241.69)

Just got this back from Spotloan today :) One down

My name is Susan D and I am a Credit Service Manager here at Spotloan. Thank you for your recent email regarding your loan. I would be happy to help you with your request and to also address any questions or concerns that you have.

BlueChip Financial, which owns the Spotloan brand, is a legal tribal lender and has a valid lending license issued by the Turtle Mountain Band of Chippewa Indians (Tribe). You will find a copy of the license attached. Your loan was legally issued under the laws of the Tribe. Spotloan makes all loans from our Reservation. When you took out your Spotloan, you promised to repay the loan amount with interest. But it’s more than a promise – legally, you entered into a binding contract when you electronically signed your loan agreement. This means that you need to pay back both principal and interest.

Your Spotloan account history shows that you received and agreed to the complete terms and conditions of this loan. Based on your promise to repay the loan amount plus interest, Spotloan deposited $800 in your account on July 5, 2016. At that time, you authorized us to automatically debit your account for your scheduled payments.You have missed your prior 4 payments. Your outstanding balance, assuming you paid off all principal and interest today, is $666.19. Your next payment of $143.98 is due on Friday, March 17, 2017. You are still obligated to repay your loan according to the loan terms that you agreed to on July 1, 2016 and you are not entitled to a refund. This means you are legally required to repay both principal and interest.

However, in recognition of your payment history, we are willing to consider your account settled based on the amount paid to date. Accordingly, there is no need to make any further payments.

Sub: #6 posted on Fri, 03/10/2017 - 23:31

nankatfog nankatfog

(Posts: 8 | Credits: 0.91)

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