The AG is working!

Cannr...just out of curiosity...what did they say...especially since it had already been handled through the BBB?

Okay. I'm so excited, I can't type! It's saying that they are writing on behalf of NOU (National Opportunities Unlimited) regarding my complaint to the Kentucky AG dated June 19th. They stated their goal is to provide customers with the best possible experience, blah, blah. It says they researched the matter and after reviewing the totalilty of the circumstances surrounding my particular transaction (you like that?),that they made a determination to refund the amount of $45.45 and that the refund had already been made, blah, blah. Then it goes on to say that NOU is pleased to be able to assist in this matter (you like that, too?) and then went on to say that they are under no legal obligation to do so, blah, blah. Says they don't solicit customers in Kentucky (okay). The usual sentence all the pdl's spout out like they're not wrong, but gee, we'll refund the money.... They sent it to the Office of Kentucky Attorney General. How about that? :D

My AG's office works really fast surprising. I am so glad for you. I read in your post that you were expecting a refund, have you gotten it yet?

ladybug

Congratulations Cannr - it is great to see all of your hard work starting to pay off!

Thank you, mperez! I'm just excited about the fact that these pdl morons are getting complaints from my state AG! I mean, my letters probably meant NOTHING to them, but a letter from the state AG? Hello! I'm loving it! And, ladybug, I had actually already received my refund from National Opportunities. Once I filed my complaint with the BBB and they contacted them, BAM, I had a refund. It was awesome! But I'm still getting a thrill off the fact that they got a letter from the state AG even though it was already resolved. At least they know people are filing complaints against them! Yes, yes, yes!

Cannr -thats great news! Hey got any pointers on how I can get a refund or anything other than a threat from nat Opp? What did your complaint say?

Thanks, ipdl! Actually National Opportunities was easy. I actually got it resolved just through the BBB complaint! But, hell, I filed with everyone under the sun! Once I sent in my complaint to the BBB, they contacted National Opportunities, National Opportunities then "corrected" the situation (LOL!) and sent me a refund. Now the state AG contacted them (which gives me the biggest thrill!) and National Opportunities informed them they "corrected" the situation. So, if you haven't filed with the BBB, my advice would be to do that. Hell, they refunded me without my knowledge! I just got a refund! I was like "Huh?" Then the BBB responded to me regarding it. Oh, okay! But I love that the state AG got on them also! Loving it! So, try the BBB. See if it works.

Hello Cannr,

We have spoke since the last, getting my teenager ready for school.

That is good news about National Oppt. I do have a loan with them and now they reported to me to NPA
and they are calling my job 5 times a day. I told them I have contact my AG and BBB too, but they dont care they want their money. They said if I dont pay it would ruin my credit for 7 years, cannot write a check and as you say blah,blah, blah. Oh and they are going to begin collection proceeding with this Creditor if I dont pay. la la la la la la la

So what do you say about that? By they way I got the PM thanks much!

Hey, queen! Did I give you the contact information for National Opportunities? If you need it, let me know. Might help. Never know. And you can keep on "la la la'ing" regarding them. LOL! :lol: I love it! But I do have contact info on them. They tried to be dirty with me, but then stopped once the BBB hit them. And now the AG has hit them. So, maybe they'll "make nice" with you! :D

cannr - good morning

yes, please provide me the contact information. email, fax etc. you know what's funny, they took a photocopy paper stamps their company name and logo and sent it to me home address, dont you love cheap collections companies?

queen, here's my contact information when I worked with National Opportunities. She's one of the managers there. Hopefully she'll work with you.
National Opportunities Unlimited
42 Reads Way
New Castle, Delaware 19720
1-800-243-0590 (customer service)
1-800-243-7520 (fax)
1-866-443-9969 (fax)
HOWEVER, here is the manager I had direct contact with information:
National Opportunities Unlimited
Dana Chaney, Manager
1-800-243-0590 ext. 2160
I did receive a refund from these guys. She was okay to deal with.

Thanks for the infor Cannr!

But, I have a question though, in Florida State no rollover fees are allowed, so all the payments I have made can be place towards the principal and did you ever speak with there collections department?

What happens if she doesnt work with me then?

queen, my state does not allow rollover/extensions either. I stated to them I borrowed xxx dollars and paid xxx dollars. This money they have debited from you should go towards the principle of the amount borrowed. She did NOT give me any hard way to go. I didn't speak to anyone in the collections department. Once they got my email/fax/mail letter of complaint, they started emailing me & somehow I got the manager. She's a manager. She can pull it from collections, you would think. But, I can't be positive about that. I say try to contact HER and see what she says. I really think they know what they're doing is wrong. Otherwise I'd probably still be fighting with them! queen, they refunded me my overpayment. They know they're wrong. If you overpaid, you've really got one over on them. If you haven't paid the principle amount in full yet, tell her you will pay the principle amount only.

Thanks for the update.

I finally added everything up, but, for example
money was deposited 300 $, I had twice of $90.00
rolloever fees

then

I paid off the loan, requested a new one and paid on that one 305$ only on rollovers. Think I can do it too?

queen, what exactly did you pay on the first loan? Did you pay over $300 total??? And this second one, you've paid $305 on it already? Don't go by their "fees". Just what they deposited. If you got $300 on the first loan, how much did you pay them back total? On the second one, you got $300 and what have you paid them back so far?

Hey cannr,

300 loan with (3) rollovers
paid off
300 loan with (1) payment of 90, payment (2) 140 and (3) payment 75.

The remaining balance is 250. I think I have paid the loan off, dont you?

I do love when the AG's get a wild hair.

queen, your first loan - $300 with 3 rollovers/paid off. Are you saying you basically paid $300 PLUS the 3 rollovers? If that's the case, you overpaid. If you're saying you paid a total of $300 including the rollovers, your paid off on that one. The second one - $300, you've paid $305. You're done. They're paid. Tell them to BITE YOU.
And, anthony, I am soooo getting a "charge" out of my AG contacting these pdl's! I don't think I've gotten such a thrill in..... how long..... oh, sad......LOL!

That is great!!! And as you said in another post
HAPPY DANCE
HAPPY DANCE
It is good to know that you do need to be persistant and keep on them and it will pay off.
Such inspiration!

it does pay off, sometimes it doesn't feel like it at first, but eventually it does. I am so happy for you. The AG's office works great!!!:)

ladybug