Hi Steve … I’ve written to you previously regarding a different matter with the Cash Store.
I had another pay day loan a few months ago (maybe 6 months) and had to default on it due to unforeseen household repairs. I made payment arrangements to pay them a reduced amount every 2 weeks and once my balance reached $100.00 I had to ask if I could push the last payment out for another couple weeks; I never heard back from them.
Not until about a month ago and they called and wanted to settle the remaining $100.00 balance. I immediately called them back to set up the payment but no one returned my call. Today I receive a call from my ex-husband saying that someone had called with a case # looking for me and left a number for me to call.
The name of the original lender was Pay Day Yes; and apparently they sold off the account ($100) and instead of these people calling me directly (they have all my contact I nformation) they call my ex mother-in-law, my ex sister-in-law and pretend like they’ve been unable to reach me and also indicate that the processor has been trying to serve me.
I’m so sure that all of this is bogus they’re pretending to be a law office and intially they were asking for $286.00 which I told them I would not pay. and then the lady acts as though she can get with the attorney to try to reduce the amount and then we go from $286 to $200 down to $150. I tentatively agreed to the $150 contingent on her sending me something in writing.
This just makes me so mad that these people are allowed to used these deceptive practices and they just get away with it. I’m willing to pay what I owe although this would be an additional $50; but since I believe this is a collection company posing as an attorney’s office I’m tempted to refuse payment since this amount is not the valid debt amount that I owe. What do you suggest?
On one hand it sounds a bit like a previous question I answered, A Debt Collector Keeps Calling Me From 212-500-0839 And Says I’ll Be Arrested. – Lavern. These calls seem to be generated from some list of people that once had payday loans or cash advance loans.
But, since you did have an outstanding balance not all that long ago it has the faintest chance of being legit.
Can you give me the telephone number they told you to call? Did the person that called have a foreign accent?
Call them back right now and ask them for their mailing address so you can send your request in writing for them to verify this debt. Tell them you need a street address so you can send your request by express mail to track the letter and get their signature of receipt protect your rights.
Let me know what they said in the comments.