Jump to content

Like Omg I Have Had It Up To Here!!!!!!!!


soveu53
 Share

Recommended Posts

I have a Oc who keeps calling my job its either a computerized voice which lead to a human voice once you push #188-).

Yes, it might be my bill if it is its on my to pay list, but they call my job every day at 8am btwn 10am mon thru sunday and its always that lame voicebot operator.

Ok, I have sent them a C/D letter they have about two addresses, I have already recently reported them to FTC and I wont waste my time with the useless BBB(should be disband they don't do squat)

And each time a live person is reach after that lame voicebot, they are informed no personal calls but they continue to call.

the numbers they call from the most is 800-639-0767 us fast cash

I have a log and each day I log in atleast one call a day from them.:roll:

Do I have any options I have already given them my contact info, but they claim they dont have it(well gee if they read the frickin letter I sent they'd find it.)

Link to comment
Share on other sites

US Fast Cash would be the original creditor, and therefore the rules are a little different. The FDCA does not apply and you can't sue them under it. You need to see whether there is a local law that governs these calls and prevents them from calling you at work and what, if any, recourse you have under that law.

In addition, most pay-day lenders simply do not care about the law in any way, shape, or form. They are barely legalized loan sharks, and they will be incredibly aggressive about getting their money back. They will call any contact you listed multiple times a day and tell them what a deadbeat you are. They will call you at work daily, if not multiple times a day. We had one employee at my place of business who got in with cash call and defaulted. Our company had to eventually send an intent to sue letter to get them to stop. They called twice an hour all day long.

If you can pay them anything, I would start doing so. In the meantime, close whatever bank account you had attached to that pay-day loan because they can, and will, debit the account for whatever amount they want when there's money in there. If you can't pay them, then close the account and explore local legal options regarding the collection calls. Beyond that, watch for a lawsuit.

Link to comment
Share on other sites

US Fast Cash would be the original creditor, and therefore the rules are a little different. The FDCA does not apply and you can't sue them under it. You need to see whether there is a local law that governs these calls and prevents them from calling you at work and what, if any, recourse you have under that law.

In addition, most pay-day lenders simply do not care about the law in any way, shape, or form. They are barely legalized loan sharks, and they will be incredibly aggressive about getting their money back. They will call any contact you listed multiple times a day and tell them what a deadbeat you are. They will call you at work daily, if not multiple times a day. We had one employee at my place of business who got in with cash call and defaulted. Our company had to eventually send an intent to sue letter to get them to stop. They called twice an hour all day long.

If you can pay them anything, I would start doing so. In the meantime, close whatever bank account you had attached to that pay-day loan because they can, and will, debit the account for whatever amount they want when there's money in there. If you can't pay them, then close the account and explore local legal options regarding the collection calls. Beyond that, watch for a lawsuit.

Apart from the FDCA there is the TCPA (which is what I was referring to) and remember express consent can be withdrawn at any time. $500 penalty for a breach.

Link to comment
Share on other sites

Thanks looksbothways and Newryman for your information and replies. I have asked them to send me information on the balance and like all online rip off payday loans they claim they can not send via mail.

I have provided them all my personal contact information and I have yet to receive in mail what balance they claim I owe.

I do intend to pay them as long as its a legitimate debt so, I'm trying to locate any info that I have that shows I had an account with them.

I did not send my c/d cmrrr but I will once I confirm their address because they have more than one online.

Ok, so I called them about 6:55pm 5/12/09 today and spk w/rep shonda she claims the allege or/bal was $300 and the bal is now $510. I also mentioned

to her the letter I sent on 4/27/09 and she claims they have not received it so I confirmed their address again she claims its 3531 P. STREET NW, P.O.

BOX 111, MIAMI, OK, 74355 funny thats the same address I sent it to without the pbox. I guess I'll play the validate game and find out what this

really is about because if I find I owe they arent getting $510 most likely the or/bal and thats it.

So which states laws do the pay day lenders have to follow california or their states when it comes to collecting a debt?:confused:

Link to comment
Share on other sites

...

I became very familiar with this company trying to help someone deal with them. They are also known as "500FastCash" as well as by other names.

They absolutely refuse to deal with the U.S. mail (or any other form of traceable, paper communication; they want to deal only with email and will often tell you that they don't even have a mailing address (this also makes it virtually impossible to pay them even if you wanted to do so).

Playing letter writing games with them is a complete waste of time. Since they likely would be considered the original creditor they are NOT subject to the FDCPA but they also, as I understand it, take the position that because they operate from an Indian Reservation they are not subject to any State or Federal law anyway.

The best thing you can do is ignore their calls; anything else will simply give you an ulcer.

Link to comment
Share on other sites

I became very familiar with this company trying to help someone deal with them. They are also known as "500FastCash" as well as by other names.

They absolutely refuse to deal with the U.S. mail (or any other form of traceable, paper communication; they want to deal only with email and will often tell you that they don't even have a mailing address (this also makes it virtually impossible to pay them even if you wanted to do so).

Playing letter writing games with them is a complete waste of time. Since they likely would be considered the original creditor they are NOT subject to the FDCPA but they also, as I understand it, take the position that because they operate from an Indian Reservation they are not subject to any State or Federal law anyway.

The best thing you can do is ignore their calls; anything else will simply give you an ulcer.

Thank You, I didnt know that, but I do want them to stop calling my job thats why I gave them my contact information and your right lol, I forgot I

can't dv an Oc but I can request they investigate just to waste their time:mrgreen: prevents me from getting that ulcer :lol:

Thanks again for the info

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.