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Hello everyone,

I took out a loan from VIP cash in April, and I have made payments, but I was only making payments on the interest. I have taken loans out from them before, and paid hundreds of dollars in interest fees, and I could not do it again. I found out they were an illegal payday lender in my state, I sent them the e-mail that was posted on the forums, changed my bank account, and told them to respond. I did not hear anything from them. I sent another email, no response. Then today I get a phone call from a lawyer representing VIP Cash saying that I, and my references are being served paperwork tomorrow at my job because VIP cash was suing me for theft, they even gave a docket number 202884-FL.US, but this docket number is not at all similar to the docket numbers listed at our courthouse. When I told the lawyer that I found out that they were an illegal payday lender and I have made numerous attempts to email them, he said that VIP is based it Las Vegas, so they are bound by Las Vegas laws. He also says that the law only states that they cannot have an office in Florida, not that they are not allowed to lend. He also says that now I owe for $4000 dollars for a $800 because of fees, and that they will be serving papers to myself and my references for petty theft and conspiracy.

Can they do this? Am I being sued? What should I do? I have been threatened by so-called lawyers before, but they usually sounded like Indian guys, so I knew it was a scam. This guy though is American, and called from a New York area code.

I'm kinda scared,

HELP!




He is full of shit, and he is no lawyer..They have to be licensed to do business in Florida Period..Florida also does not allow rollover loans. They can't sue you for an illegal loan. They are trying to bully and scare you, they don't tell you they are going to serve you..they just do it, get the address of this collection agency, and send them a cease and desist letter certified mail with a return receipt, and then report them to the FTC. They cannot threaten to serve you..


Sub: #1 posted on Tue, 07/30/2013 - 07:12

prissdakat prissdakat

(Posts: 33 | Credits: 3.4)

VIP Cash is an illegal lender all over the state of US. You owe them nothing more than the principal balance. No interest, no fees. Since you have already overpaid them, so ask them for the refund. I think the guy that have called you is a scammer. They won’t be able to take any legal action against you. File a complaint against them to the SAG or FTC immediately.


Sub: #2 posted on Tue, 07/30/2013 - 10:29

Unregistered


by what i'm reading amanda has had more than a few loans so if you paid those according to their terms.you owe nothing on this one.also you have to be sued in your town,county,village,or bourough.the fact that this mutated wormslime mentioned las vegas screams lawbreaking scum,but to bring your references into it is also most illegal.the fact is their was nothing legal,or truthful in anything they said.i would first file a police report as others have stated.this jackass broke the law hand over fist.second for your piece of mind.go to your court clerk's website and punch in that case number.i guarantee it's bogus.then once you know that ignore this sorry ass lawbreaker.


Sub: #3 posted on Tue, 07/30/2013 - 18:07

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

Let me try and help here. I had a loan with VIP and did receive a refund. The contact person that I talked with via email was a David Cobbett, DMA Financial Corp, Chief Compliance Officer, 1700 E. Desert Inn Rd., Ste. 207, Las Vegas, NV 89169 with a phone number of 702-737-9500. Email address isdavid@gloot.com. We went back and forth and finally received my refund. Since you have overpaid, I would definitely send him via email a refund request. I hope that this information is still correct. Good Luck!!


Sub: #4 posted on Tue, 07/30/2013 - 18:35

bingonut bingonut

(Posts: 1433 | Credits: 168.82)

you got a refund.awesome!!!!!!well amanda there you go.use the info bingonut provided as again with all the pervious loans,and the amount you paid thus far on this one.you are most definitely owed a refund.go for it.


Sub: #5 posted on Tue, 07/30/2013 - 18:47

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

It is worth some work on your part Amanda to get the refund you deserve....keep sending emails eventually you should get it....if you have any questions, let us know


Sub: #6 posted on Tue, 07/30/2013 - 22:50

bingonut bingonut

(Posts: 1433 | Credits: 168.82)

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