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Best Way to Dispute/Validate Certified Recovery-Payday Loans

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Joined: 15 Apr 2008
swoosh60's page
Posts: 1

79 Magic Points

Subject: Best Way to Dispute/Validate Certified Recovery-Payday Loans
Posted on Tue Apr 15, 2008 9:23 pm  

I have 2 old payday loans, 1 with United Cash and 1 with Preferred Cash (old from '04) that are showing on my CRAs being collected by Certified Recovery in Houston. Looking to have them validate the debt (plan to send letter certified). They haven't updated my reports since '05. I really need to get these deleted ... will this just stir up trouble and have them calling me. I honestly have never heard from this collection agency before, but am trying to clean up my reports. Thanks for any advice!


Joined: 21 Jun 2007
Laura's page
Posts: 1327

37081 Magic Points

Posted on Wed Apr 16, 2008 4:11 am  

So basically these loans are not yours. Simply go ahead and dispute them with the concerned credit bureau/s. Validation letter right now will complicate the process, the dispute will lead to investigation the bureaus which is better I think.

Posted on Wed Apr 16, 2008 2:02 pm  

These ARE mine. I'm not trying to get out of paying them ... I just haven't had the money up until now to try to do anything at all about them. I'm from Wisconsin, are these "legal" payday loans for my state, do you know?

I have 2 different addresses for Certified Recovery--at this point I want them to validate. Was planning to send letters to both addresses.

I guess my biggest question is this: since they haven't made a peep since 2005 (last reported on my reports), and these are from 2004, will sending Certified a letter now restart collection actions?

I read on another board that they cannot "sue" me for these as they were internet loans. I'm not sure that's true.

In any event, I no longer have any records on what I paid for either of these loans. One is for $270 and the other is around $350. I no longer have the bank account from that time. I do recall I kept renewing both loans so I paid on them for awhile. I can pay these now, if push comes to shove, but want them removed from my reports most importantly. Not just going to pay them and have them report it as a "paid collection," that's not going to help me here.

Thanks for any replies!


Joined: 31 Jul 2006
anthony's page
Posts: 516

13620 Magic Points

Posted on Wed Apr 23, 2008 10:59 am  

Hi Swoosh,

I think they are rip offs. I just googled complains against them. You can dispute these with the bureau. That might help.
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.

Posted on Wed Apr 23, 2008 3:55 pm  


Thanks for the reply. I also posted this over in the PDL forum (I'm new to this website--so I didn't see the PDL forum at first).

They also suggested to first just dispute with the bureaus, which I did last Friday, so we'll see what happens. I'm really hoping that Certified Recovery won't verify with the CRA's, and then they'll just get deleted.


Joined: 21 Jun 2007
Laura's page
Posts: 1327

37081 Magic Points

Posted on Fri Apr 25, 2008 5:45 am  

Hi Swoosh

I did misunderstand what you said. If these PDL's are rip offs as Anthony said I am sure your disputes would work. All the best.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

140 Magic Points

Posted on Sun Apr 27, 2008 1:58 am  

Disputes are best if they are showing up as scumbags. I would rather dispute with the credit agency than deal with them. I like you though have the same concern. I have an old doc bill on mine. I was going to call and see what they wanted to be rid of it but a collection company picked up the account. I googled them, and found out awful info so I decided to just let it drop off.


Joined: 21 Jun 2007
Laura's page
Posts: 1327

37081 Magic Points

Posted on Mon Apr 28, 2008 6:55 am  

Hi Swoosh what is the update with your PDL?

Subject: dispute pay day loan
Posted on Tue Aug 25, 2009 7:09 pm  

Hi, i have a payday loan which was from OCtober of 2008 of $300 and i believe i was paying the interest at that time because i have automatic payment from my bank account but then i think at that time i do not have enough money in my account so when the payday loan deposited the check to withdraw my payment my bank did not allow them to get the money so, the check was returned to them. And since then, i did not receive any letter or e-mail from them saying that i need to pay my loan. Then, just today a law office called saying that if i do not resolve this today they will file a case against me and i have to go to the court. But then i decided to resolve this out of court and made arrangements with the Atty. Do you think this is just right for me to do or should do more investigation before i make a decision?


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30071 Magic Points

Posted on Wed Aug 26, 2009 6:45 am  

Hi pisces27

Although it is not illegal for a law firm to contact you regarding a payday loan, you may still investigate to see if the firm is legal or not. You may also ask your creditor if they have turned your debt to this law firm from which the attorney called you. Yes, do your research before making any payments.
Keep in touch

Subject: way of settlement for personal loan
Posted on Wed Jan 20, 2010 9:06 am  

i had a personal loan since2005,oncewhen my shop was ruined in flood, just after 1 month of loan,and i became unable to pay it back.mean time recovery agents called me and asked me for non payment,i told him real situation that my shop has been ruined in flood and i m totally unable to make any payment then they took Rs 5000.00from me and said,now your a/c will be closed.even they gave me a settlement letter.that lette has gone missing from my side,and now again racovery agents are making phone calls and harashment,what shoud i do.pls suggest me
Debbie Fox

Subject: Payday Loan/Revolving Charge Account
Posted on Fri Apr 30, 2010 12:50 pm  

I have two payday loans that the companies changed over to use the word revolving charge account. I originally borrowed about $500 from each one; however, with not being able to make payments as required, the total for both is now about $2500.00. I have tried contacting the companies to arrange payment - one will not work with me at all and the other never calls me back.

What can I do?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: settlement
Posted on Sat May 01, 2010 11:20 am  

Hi Raja:

First pull a copy of your credit report, and check who now holds this account. Send them a debt validation letter, through certified mail, requesting a return receipt. Also check the Statute of Limitations on this debt (SOL). Statute of limitations is the time limit within which the creditor can sue you for non payment of debt. SOL varies according to state, and the type of account.


You can join a debt consolidation company to help you out in your problem. The company will negotiate on your behalf, and try to reduce the interest rates. Moreover in debt consolidation, you need to take out a loan to pay off all your debts, and you need to make a single monthly payment instead of many. Thus, it becomes much easier to pay off the debts.


Keep in touch Smile

Subject: pay day loans
Posted on Thu Dec 01, 2011 10:55 pm  

I took out three pay day loans,now 5 or 6 companies are trying to collect some of the original loan co. i never heard of. My question is can they[put vyou inb jail for a pay day loan,or take your property

Subject: payday loan
Posted on Fri Jul 26, 2013 10:08 pm  

I was just contacted by a recovery agency? that said I owed $550 from a payday loan from 9/09. He said the check I paid them back with bounced. I don't remember that.Why would that take 4 years? It's from Check n Go. Do you think this is happening because I joined a class action lawsuit against them? They said they are going to send a wage garnishment to my job!

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