Back in 10/05 I got a $200 loan from PDL named Westbury Ventures. It was agreed that finance payment would be $60 per pp until they got word from me to take loan amount plus finance amount ($260)and be paid in full. The first debit was indeed $60 but they debited my account for that amount plus additional $90, then $30! I stopped payment on all of if and contacted them about this. They were not trying to listen to me and kept trying to take addtional amounts from my account that were not agreed upon. I finally had to change my account number and now they are threatening me with legal action. I told them what happened and they wanted to make a "deal" with me to pay less than what is owed and to send it by Moneygram because that was the "only" way to not have legal action against me. They did not try to address the addtional attempts of debiting my account for extra monies. I do not deny I owe initial loan and finance charge however I am unable to secure address where I can send a money order and have this over with. Any ideas? They are bugging me with phone calls....Oh, thanks for your response.
Forums
This is the problem with most payday loan companies. Especially when it comes to internet based payday lenders, it makes tough for consumer to deal with. Which state are you from? All the states have different regulatory laws for payday loans and lenders may not charge fees or penalty or extension cost more than what has been stated in the statues.
I may help you find out the payday loan laws of your state, looking forward to your reply. You can PM me if you need any specific information.
Payday loans
I have dealt with a few PDL's myself. Seems like every time I spoke to them, my % rate went up ( owed more money than they advertised) Was really frustrating. I think PDL's are mostly a scam.
I hope you are out of the PDL's now? do share your experience.
Payday loans
Ok..my experiences!! LOL I did get tthree or four of them, at one time. I just couldn't keep up with all of them. And, of course, if u are making a late payment on them, the % rate goes up on the loan. Just too many! Some I haven't paid off yet..turned over to collection agencies. However...a Payday loan will not be on your credit report.....the Collection Agency ( in which the Payday loan was turned over to) will be on your credit report. Hope that makes sense. If anyone is having this problem, just remember, the CA will report you are deliquent with them ( the agency, itself), ..not the PDL they are actually asking money for.
Payday loans
Yep..PDL just got me 'more in the hole' with debt. Does anyone know how I can stop PDL 'promotions, sent to me, over the web? Please...do tell. Thanks.
pay day loan threats?
I have a "lawyers" office calling me to which they say it is from Paul Kouperstein and Associates in Canada (where I am from). I have a pay day loan in the amount of 500.00 it has since escalated to 800.00. This " sargent" guy tells me that I have to pay 800.00 by noon today or else I will be charged with fraud and also be sued.
I tried to tell him that I will pay it down in installments, he basically laughed at me and advised that there are NO arrangements that can be made and that I have until noon today. Well, noon came and went and I didn't comply. I couldn't.
I have no idea how to proceed from here. Is this a scam? I contacted the payday loan company and they advised that it is out of their hands to deal directly with this "lawyer"
They have my old address, do I submit my new address in the event they would need to send me papers?
Any insight that could be provided would be greatly appreciated.
Thanks in advance! Look forward to your reply.
Hi,
Please do not be scared of empty threats. When did they contact you? Is the debt yours? Even if it is your debt go ahead and ask for debt validation. Send it via registered mail. Keep copies of all transactions with you.
This can be a scam. Read the debt forums for more info about the law firm. File a complaint with the BBB.
You are saying that even if you want to pay the money off to the payday loan company they are not taking it back? GO ahead and ask them whether they are willing to receive any payments or not. If possible interact with them only not the debt collector.
Paul Kuperstien is a controversial company so be on your guard.
PDL
I tried to negotiate with this person to make arrangements and he out right said no. It is the way he stated and that is that as far as he is concerned.
I went directly to the PDL store and they said that it was out of their hands and I can only deal with this "law firm". I honestly don't even believe that they are a law firm. I can't even get an address from them unless I agree to pay the amount they are stating. It was 800.00 up until noon yesterday, now its 2400.00.
You have heard of Paul Kuperstein?
Since they have my old address and in the event they do file court papers, they obviously won't reach me, therefore, won't a judgement be issued therefore enabling them to garnish my wages/seize my bank account etc.,?
Any insight would be greatly appreciated.
Thanks,
Tina
Paul Kuperstein
If you check Ontario law...they have to first send you a paper copy called a debt validation and cannot contact you until 6 days after they have sent it. They are not police and cannot charge you with fraud. They are fraudulent. check under Paul Kuperstein and assoc. on the net and you will find many forums regarding thier false schemes. Don't send them any money until you get the debt validation. So far anyone who asks for one ....gets an earfull...some threats...and never hears from them again.
I have had the same call on Friday and have to pay by noon today. I will be calling them and asking for the validation....good luck!
credit
What PDL is this, GUEST? I DID deal with a PDL, some time ago, that was set up in Canada. When I signed the contract ( VIA the Internet) the contract stated I had to "abide by Canada Law with this loan." However...I did default on the loan ( several reasons why) and a so-called 'Lawyers' office called me about it. NOW..the PDL, NOR the CA that is supposely taking care of this, is not on my credit.
payday loan collection scams?
I also received a call from a foreing person claiming to be a sargent with Law & Justice. Said he was going to file a claim agaisnt my SS# from a loan I had forgot about. Said I had to fax a statement saying he could deduct money from my account. What should I do?
Said he was going to file a claim agaisnt my SS# from a loan I had forgot about.
Do you now remember it? If not then first ask for validation. Is it on your report? What's the SOL and is it still effective?
what compnays are illegal in pa
just a few to ask about
spark
fbd
cash direct exprees
iadvance
secure loans
integrity
selct service funds
Paul Kupferstein
Just to let everyone know, I have posted on this forum as well as other forums, in repsect to the conduct of Mr. Kupferstein's office and staff, and Ihave been retained by two parties so far to commence civil action against Mr. Kupferstein's practice.
I am licensed by the Law Society of Upper Canada, and all of the right not be harassed and threatened by people suchas Mr. Kupferstein's minions.
Ii will answer any and all questions, and please send any questions to "gowlingsinc@mountaincable.net".
Thank you.
Allison Gowling LSUC #P00081
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pdl
When I was having trouble with PDL companies, I actually had a 'rep', from one of the companies, say, "he would be at my door, within hours, to have me arrested." This was almost 2 years ago now. I really don't know how a CA can LEGALLY take a 'case', concerning a PDL, when the lawyers know that most of them are 'bogus'.
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being robbed
This who PDL is a scam to set you up to be robbed I can see how they do there advertisement because they r robbing the black community they have a advertisement on black radio advertise that bull S--- on the white radio stations. I will advise everyone to never get envolved just call on jesus you will come out better!! god can help you better!! i will do everything in my power to get you guys out of business. I will be in touch with the news media, TV
Help me howard i want everyone to know about what it is they r doing!!! I rest until it is done!!!
he said their gonna file charges!!
This was the worst thing that i could have done. I should "ve known better. Anyway I got a $200.00 loan from pdl now, And it was paid in FULL Jan. 8th , 2010. I am recieving phone calls , the guy is telling me they are gonna press charges( check fraud) against me. He tells me that the loan is not paid for ... they dont have a reference number on file. Well, i have gone threw my bank statements n THE LOAN IS PAID IN FULL. But, they keep on calling. What they dont know is that they messed with the wrong person. I work Vry Hard for the money i get , n I will NOT let some Scammer ...Scam me, My question is , what can i do to get them to stop calling my phone? I do not answer the phone for unknown callers anymore... BUT THEY JUST WILL NOT STOP CALLING ME>
payday loan
Hi SKJ,
Can you tell me whether or not you have the payment receipt? As you know that you have paid off the money, you can send them a certified Cease and desist letter, mentioning that you are aware of your rights. As you have paid off the debt, they are no longer supposed to harass you. Mention that if they fail to comply to your request, you can sue them under the violation of the rules of Fair Debt Collections Practices Act (FDCPA).
Hope this helps.
Regards,
Aaron
pdlnow
trying to find out is they illegal in the state of alabama
credit
Hi, RED. You can 'search' PDL's on the Internet and see if they are illegal in your state. I don't know, right off hand. However....I know the Experts, on the Forum, know the answer. One of them should be along shortly.
integrity payday loan
Demanding money from me..not going to happen..cant tell me what state you are in...Its worth the 25 dollars to change my account number.. Oh by the way.. Someone called saying he was going to have me arrested...lol..
credit
(Hello, everyone!! It's been a LONG time since I've been on here. Alot of personal things going on. Nice to be back. :))
It seems you are making your comment toward a specific PDL. However..this is not a PDL company. This is a forum which helps people deal with their credit issues. PDL's can't have anyone arrested.
Scam
I actually got a loan last week and it's not due until this Friday. Already I have received threats from a lawyer. Literally a threat! I called him back after he told me the police was picking me up at 11:00am tomorrow. I called the police and made a police report and also contacted the BBB. They are full if it. I am now closing my account. Everytime I call them the lines are always busy and now the so called lawyers keeps hanging up ever since I told them about the police report. The money isn't even due yet so that emmidiately threw up red flags. I'll pay them but I refuse to allow them to debit the money from my account especially after reading these reviews.
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