casinobrat10 asked:
I was in a really bad personal situation around christmas (unexpected family death…big problems) and got desparate and took out a payday loan thingie online. Well, after paying them off, I kept getting LARGE amounts of money taken out of my acct, so i closed it, but now they are calling me at work with NASTY threats, but wont give me any info so that i can prove my payments or will send me a contract. Anything I can do to stop this? they threaten to pester my BOSS until I get them paid, and i dont want to lose my job over something I have paid in full! Anyone know of something i can send or do? I cannot keep dealing with this insanity! Thanks for any help! I am NOT a deadbeat who doesn’t pay my bills (as was suggested on a website by an employee of this comp.) I just want to get everything squared away so as end this nightmare
Can I be arrested for default on payday loan?
I was in a really bad personal situation around christmas (unexpected family death…big problems) and got desparate and took out a payday loan thingie online. Well, after paying them off, I kept getting LARGE amounts of money taken out of my acct, so i closed it, but now they are calling me at work with NASTY threats, but wont give me any info so that i can prove my payments or will send me a contract. Anything I can do to stop this? they threaten to pester my BOSS until I get them paid, and i dont want to lose my job over something I have paid in full! Anyone know of something i can send or do? I cannot keep dealing with this insanity! Thanks for any help! I am NOT a deadbeat who doesn’t pay my bills (as was suggested on a website by an employee of this comp.) I just want to get everything squared away so as end this nightmare
Can I be arrested for default on payday loan?
January 13th, 2009 at 4:01 am
Go to a bank and explain it all. Get a real loan, tear up your credit cards, and start over. Payday loaners are leeches on society.
January 15th, 2009 at 10:09 am
Legally debt collectors cannot call your workplace and if you request proof of the debt they are obligated to send you whatever they have to prove why they say you owe them money.
Also, you can record any conversations with them, as long as you tell them that you are recording their calls. This way you can have proof of the harassment.
Hope to have helped and hope you get this all straightened out.
January 16th, 2009 at 4:04 pm
Write to them and ask them to stop calling you. They have to honor this under the fair debt collection .
January 19th, 2009 at 9:42 pm
You did the right thing by closing your account. Explain to your boss to tell them not to call you at work anymore. They are suppose to stop only if he gets on the phone and tells them. If you made payments they should be showing on your bank statement, make copies, type them a letter and send it certified mail with signed receipt requested.
January 22nd, 2009 at 8:43 am
I work for an internet payday lending company. I think the way they are treating you is terrible. I do collections at my job and that is not the way I would ever treat a customer. A creditor can call your employer until they are TOLD not to call. After that it is illegal for them to call your place of employment. You telling them to not call is sufficient enough but you may want to have your boss tell them to not call back. Tell them your know it is illegal due to the Fair Debt Collecting Practice Act. This is the law!! Get a name and # of who you speak to. You need to find out what exactly it is you owe, if anything. Look at your bank statement and see if the withdrawals and the deposits are by the same company. If so, call the company and demand to speak to a supervisor. It almost sounds like the original place you took the loan for may have showed a balance you were unaware of and have since sold it to a third party collection agency. I have had customers call and say these people are really nasty. Bottom line is that the internet payday lending companies have not legal recourse, so dont listen to all there threats.