| Author |
Message |
|
Options 
Bookmark online
|
michelle_o
Guest
|
|
Subject: Interim Cash is driving me nuts!!
|
|
|
Thu Oct 30, 2008 3:23 pm
|
|
|
They called this morning and told me I had a loan from 2007 that hadn't been paid and they were going to seek legal action to get the funds out of my paycheck (which they won't be able to do since I'm voluntarily unemployed and b/c you can only garnish wages for student loans & child support.)
I pleaded with the guy to send me info IN THE MAIL regarding the loan and THEN I would address the issue and repay, but he refused to do so claiming they didn't send anything through the mail. I can only assume it's a scam. I think I did use them once in like '06 and paid them back. But I do not recall having another loan with them after that initial one. And, they were using my maiden name and a bank account I haven't had in 5 years!!! |
|
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
|
|
|
|
|
Thu Oct 30, 2008 11:54 pm
|
|
|
| Michelle, this sounds really shady. Do you have documents that show you repaid back in 2006? Just to be on the safe side I would make sure I had them. In any case if they do not validate that debt then you do n ot have to pay it. They are required to send you verification by mail..no matter what they say. If I was you I would send them a debt validation letter by CERTIFIED mail with return receipt...this way they either have to validate your debt or get lost..my guess is they will get lost. |
|
|
Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
|
|
|
|
|
Fri Oct 31, 2008 12:48 pm
|
|
|
Hi michelle
Since they have called you have over the phone, they need to send you a debt validation notice within 5 days from the date of your first communication, else you should not bother about the call. Alternatively you can pull out your credit report to find out whether the debt is listed in your credit report or not. If it is listed in your credit report, you can send them a DV letter by certified mail. If they can properly validate the debt, then only you should proceed forward towards repaying the debt.
_________________
Where there's a will, there's a way !! |
|
|
scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
|
|
|
|
|
Fri Oct 31, 2008 1:31 pm
|
|
|
Debt validation would mean that the CA must prove that the OC has sold off the debt to him or has transferred the right to collect the debt to the CA. In addition to this they must also send you the outstanding bills which will let you know how much you owe and to whom you owe. If they validate the debt properly within 30 days of receipt then its OK and you may negotiate for a discount on the debt and repay the debt by coming to a repayment plan.
_________________
SCOTT
Use your credit account responsibly and enjoy a debt free life. |
|
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
|
|
|
|
|
Sat Nov 01, 2008 1:53 am
|
|
|
| Mary..quick question here. I has always thought it was 30 days to verify a debt..so if contact is made by phone and the person asks for them to varify that time is cut down to 5 days? If so I was unaware of this. |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3996
1079 Magic Points
|
|
|
|
|
Sat Nov 01, 2008 2:41 am
|
|
|
I was told by heritage that I have 30 business days, I know it is 30 business days, I always thought that weekends count, but they don't.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
|
|
carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
|
|
|
|
|
Sat Nov 01, 2008 6:19 am
|
|
|
Only if they send you a debt validation notice by post, within 5 days of communication over phone, these 5 days will be calculated within the 30 days time span for you to ask for debt validation. You can ask for debt validation within this 25 days and they need to validate the date within 30 days of the receipt of your debt validation letter.
_________________
Keep in touch
Carol |
|
|
mgh
Joined: 10 Nov 2008
mgh's page
Posts: 1
38 Magic Points
|
|
Subject: puzzled
|
|
|
Mon Nov 10, 2008 1:29 pm
|
|
|
| I have a 900.00 loan to this co. they said if I pay 40 every 2 weeks for 5 paychecks they will forget the rest except that my payments start all over until I get it all paid because all I am paying is the interest. I told them I cannot do anything right now because I just had surgery and am not back to work yet. how can they get blood from a turnip? |
|
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
|
|
|
|
|
Mon Nov 10, 2008 11:48 pm
|
|
|
| Believe me they somehow find a way. Thats a new saying to me. I was always told "you can't get hair off a toad". lol |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3996
1079 Magic Points
|
|
|
|
|
Mon Nov 10, 2008 11:55 pm
|
|
|
wow, who is the loan company, that is a pretty good deal.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
|
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
|
|
|
|
|
Mon Nov 10, 2008 11:59 pm
|
|
|
BUT...
except that my payments start all over until I get it all paid because all I am paying is the interest.
Now what does that mean? Does that mean once the 5 paychecks have been paid out of and the interest still isn't paid then this same process begins all over again. I am not sure what is meant by that part of the post. Could be a wolf in little girls clothing. |
|
|
LT
Joined: 30 Jan 2009
LT's page
Posts: 64
2178 Magic Points
|
|
|
|
|
Sun Feb 01, 2009 1:50 am
|
|
|
| If the company won't give you an address they probaly won't give the information to the credit bureas either. If they are reporting to the credit agancies then send the agancies a investigation letter telling them they will not give you their address. The credit agency will then delete the account if they don't reply or respond to their request. And they won't reply, because they are aware that if they do thatinformation will be given to you. I had to do this with a couple of those internet pay day loan sharks. Stay away from them at all cost. |
|
|
disgruntled ex employee
Guest
|
|
Subject: addressess
|
|
|
Tue Aug 04, 2009 12:26 pm
|
|
|
Cash today global leads ach cash interim cash waterfront investments Rovinge international are all part of The Harris Holdings ltd registered in Geurnsey company number 2280 owned by Ivor and Aaron Gershfield equal owners this company is also registered in Gibralter under the North Atlantic trust ltd
Their head office is Northway House 1379 High Road London N209LP All these pay day Loan scams run under the umbrella of Heathmill Village and then re registered in Guernsey under Harris Holdings
There are countless other companies run from this building constantly changing names employing illegal imigrants paying minimum wages
they are also using this labour to build trailers in North london for mobile eye care these are on the road without being certified for safety so beware |
|
|
susan
Guest
|
|
Subject: cash today ltd - ach cash -big-int- route 66- global so on a
|
|
|
Tue Sep 22, 2009 4:41 pm
|
|
|
paid one million dollars to FTC and The State of Nevada to settle
charges against them.
but please be aware cash today and ach cash
have new web sites up in the USA cash today ltd.com and ACHloans.com
now posing as loan brokers avoid them like the plague. |
|
|
susan
Guest
|
|
Subject: global
|
|
|
Tue Sep 22, 2009 4:42 pm
|
|
|
| this company is dissolved you owe them nothing |
|
|
Previous 1 2 3 4 Next 
