I am going to put a stop payment on each of the loans

Cannr...I just found another 180.00 I paid to Emerald..that would bring that total to 450.00..I still can't find anything on FTR, but will keep looking

bball, rest easy. You'll be just fine. And you will see daylight. I promise you! Since you have your bank account straight and no more debits will come out, you're going to get a lot of phone calls once these pdls realize that their debits are being rejected. Which, I personally, get a kick out of. However, they will call you. They will call you at home, at work, on your cell phone. They will bug the living crap out of you. We need to get your letters sent out. However, we first need to be sure of the amounts. This way, when you send the letters, they will be accurate. And we need contact information on the FTR one so we can send them a letter. We can send them via email/fax/and certified mail. It's going to tell them they are illegal, you revoke any debit authorization, you revoke any wage assignments, it'll have your state law, you'll tell them to only contact you via email or USPS, many, many things. However, they really don't pay attention to them. BUT it's very important to do so that you will now start to have documentation of EVERYTHING. And I do mean EVERYTHING. You do not want to speak to these people via telephone. No documentation. You want everything in writing. That's why you're going to do everything in writing. And only respond to them in writing. What you need to do now is find out whatever you can on the FTR pdl so that we have an address. Also figure out exactly what they have debited your account for. We need accurate numbers. I have a letter for you to send each pdl that covers everything. I can send it to you through pm. However, figure out the FTR pdl and the exact amounts first. We have a little bit of time here since your bank account is okay. So, find out at least an address or phone number or something on FTR and also figure out exactly the amount debited by each one of the pdls. Then we'll have all the information we need and I'll pm you the letter. You'll be fine. I'm just glad you came here.

Okay. So here's this one:

Emerald borrowed 300/paid 450/150 overpaid

Good job! This is why we need to know exact amounts. You keep checking and just let me know of any other changes and if you find anything on FTR. We're getting there!

Thank you again..I have my bank print out in front of me and I will go over it a couple more times and list them all with the dates and amounts. I can't get into my home email from work, so if I have any letters from FTR it will have to wait till I get off at 2:15am. I have been reading all the posts for the last week and a half and was amazed at how much help you all provide. Thank you so much :D

bball, I'm just glad I can help! I know the feeling of the "black hole"! You look your stuff up. Go home and see if you can find anything on FTR. I'll be back on in the morning & see what you've found. We are going to get this taken care of. I promise you. :wink:

bball, I found this on an old post:

FTR Processing - 913-671-8737

I'll see if I can find out any more regarding them.

Got the address:

FTR Processing
5700 Broadmoor St
Shawnee Mission, KS 66202

Okay, bball, all we need is to know if the amounts are accurate that we have so far and we are on our way! :wink:

Thank you, I will have a correct posting for you tomorrow. Have a great night...

Cannr..Good morning! As discussed here is the complete list and the amounts. I have went over my bank statements at least 7 times..cross eyed now!

MTE - b 300 - pd 180
Ambassador - b 400 - pd 650
Cash Borrower (mystery one) b 300 - pd 180
United Cash - b 300 - pd 270
ameriloan - b 300 - pd 360
Emerald - b 300 - pd 360
FTR - b 300 - pd 180

I have a list of the dates originated, and payment dates

bball, are you sure about Emerald? You've got two different amounts. You borrowed 300 and paid 360? In an above post, I thought you said you found more payments to Emerald? Just let me know which one is correct. Also, do you know how to use "pm"? We can send messages back and forth to each other. Underneath my post, you will see a little button with two people on it that says "pm". Click on that button. It'll come up with a page where you can send a message directly to me. Send me a message. I'll reply to it to be sure you can retreive my messages. Then I'm going to send you a letter to use to send to these pdls. First, verify your Emerald amount for me. Then test the pm for me. Then we'll be on our way! :D

Cannr, When I went over the bank statement, I apparently printed one of them twice. The numbers that I posted this morning are correct.

Okay. I'm going to get all the addresses you need. Okay? Hang on and I'm going to post them for you. You'll need these. :wink:

Thank you..that way I can work on them tonight when I have a minute or two at work

MTE Financial Services
515 G S.E.
Miami, OK 74355
Telephone: (866) 213-0268


Cash Borrower
1460 Westwood Blvd
Los Angeles, CA 90024
Phone: (866) 702-7484
Fax: (801) 880-6603

United Cash Loans
3531 P Street NW
Miami, OK 74355
Telephone: (800) 230-9480

ameriloan
3531 P St. NW
Miami, OK 74355
Telephone: (800) 362-9090
Fax: (800) 475-1379

FTR Processing
5700 Broadmoor St
Shawnee Mission, KS 66202-2402
Telephone: (866) 230-7824

Emerald Marketing Group LLC.
1489 Warm Springs Rd. Suite 110
Henderson, NV 89014
Phone Number 1-800-496-8958

Apparently, Ambassador & Nationwide Cash are one in the same.

Nationwide Cash.com
Ambassador Financial
314 N. Riverside Dr
Espanola, NM 87532

Thank you, I know that took a lot of time.

Here is what you need as far as your dollar amounts are concerned:

MTE FINANCIAL
borrowed 300
paid 180
OWE 120 ONLY

AMBASSADOR
borrowed 400
paid 650
DUE REFUND 250

CASH BORROWER
borrowed 300
paid 180
OWE 120 ONLY

UNITED CASH LOANS
borrowed 300
paid 270
OWE 30 ONLY

ameriloan
borrowed 300
paid 360
DUE REFUND 60

EMERALD
borrowed 300
paid 360
DUE REFUND 60

FTR
borrowed 300
paid 180
OWE 120 ONLY

Ok, I got all of those thank you. When I send the letters will they need to be certified?

If you have fax numbers, fax them. If you have email addresses, email them. Also mail them USPS certified return receipt. Send it all ways possible. Keep documentation of everything. Anything you do, you want documentation of. Everything and anything. This comes in REAL handy when filing complaints and also if they come back to haunt you months from now (and believe me, they will do this). Try not to take any phone calls from them. Do everything in writing.

bball, if you have any questions regarding the letter, just let me know. Also, we need to file complaints with the BBB, the FTC, and the KY Attorney General. If you need help with this, let me know. :D

I just looked up the address for Westbury Ventures with the BBB. The letter I received in August gave the address as being in Dover Delaware the zip code is 19904. Much to my surprise there are 14 collection agencies within a 10 mile radius of this zip code.
What is this the CA capitol of the world?? Interesting...most of them have a good report with the BBB..and Westbury was not listed.

Oh yeah! Delaware is like "pdl land"! Did you find the address you need???

Delaware is a banking playground.....liberal banking laws,etc....one step short of the grand cayman.

Yes..Cannr I did use the address I had..thanks. My debt counselor is working on it...as far as I know..they have accepted his offer of monthly payments.

Good job, laura! :D You are on your way!

OK..here we go again. Yesterday (Friday 10/12) I received a nasty phone call from a Mr. McCorkle..he stated my full name and said he had pertinent information I needed to know and I quote "you will call me back today!" Well I knew from his tone of voice it was a CA but for whom I did not know. I have all my IPDLs settle except for one which did not respond to anything I send them back in August. Which included a C&D and a letter revoking prior authorizations. I called the number he left..they answered without a hello..no company name..I asked for Mr. M...and he was busy..so I spoke with this other person who did not state his name. He pulled my account up by my cell phone number. He proceeded to tell me they represented CashAdvance.net and I owed them 260 dollars. I proceeded to tell him I paid his client in full..according to pdl laws in Indiana and his client isn't even licensed in Indiana..and I wasn't paying anymore. At this point his voice got louder and he informed me I will pay...because I took money from his client and ran! (I don't know where I ran to I've been here for thirty years) At this point he was screaming I did get louder myself and informed him he did not need to yell!
I did not understand anything he was saying so I told him if he had anything to say to me send me a letter
and do not call me again. He said they do not do things like that and they would take me to court. I said fine go to the courts in Indiana and see what you can do! I then hung up while he was still raging on... Sorry this is so long..I collected my thoughts and if anyone can suggest I do anything else...please let me know. All I have on this place is a phone number and nothing else...I guess I'll just see what happens next.

laura, the "nice man" who called you can't do squat to you. You have repaid the amount of the loan back according to your state law. You have done them a favor. You could have "taken the money and ran". He needs to shut his mouth. And, take you to court? Oh, please let me know the court date his ass shows up to collect more money from you. I do believe I will take the ride to Indiana and sit to witness that! Court. What a joke. Just go on about your life like he never even called. What a total jerk. And to scream in your ear? He's lucky you listened as long as you did. "Click" would be my response the first time he got loud with me. I refuse to talk to them. If they call, hang up. Don't even listen or try to reason with them. If they "want you bad enough", they will send you something via email or USPS.

Yes you are right cannr...I have learned enough from this forum to know what they can and can not do. In the past I would have been a nervous wreck for the rest of the day...but after that bout with that idiot..I just went about my business as if nothing happened.
In fact the more I thought about myself running away and with 200 dollars...I was laughing! Like you said I'll just wait for their letter to come in the mail..It may reveal who they are..do you think???

laura, if they "want you bad enough", they will. LOL! You might get an email or you might get something via USPS. Although they don't seem to like to use USPS very much. But if they can't you on the phone, they'll "find a way" to contact you! God love them all! I'm glad you're able to laugh about it now. It is kind of funny once you know they're full of it. Especially when anything is overpaid. They ask me for more money and I'm like "What????" :shock: You've got to be kidding me! It's a joke! Oh, okay. I've already overpaid you and now you're threatening me. Let me RUN to the nearest store to moneygram you some more money on this illegal loan. Okay.........

You know the strangest part of my attempted conversation with this person was that I felt I really intimadated him more that he did me. He seemed to be the one getting upset. Bits and pieces of his verbal tantrum seem to be coming back to me..I remember when I said they were not licensed in this state he said they were licensed in every state...yet on the CashAdvance.net website they list Indiana as one of the states they do not give loans in...why would they be licensed for a state they do not loan in??? Yeah..makes sense..doesn't it???

I have looked at their website for others. And there is quite a list of states they claim not to lend to. However, you got a loan, didn't you? Hmmm.... let them explain that one.

I know...it's about half of the United States about 22 states they do not loan in...maybe they don't check their own website. Including the stupid jerk that yelled at me telling me they are legit!
However they do have various websites under different names...and they have moved out of Delaware. My letters were returned in August and I had to fax it to them...which they probably have tossed by now.

I was checking on another name for CashAdvance.net and came across the name GR Enterprises located in Bellevue Wash. I logged-on into their state laws regarding payday loans. GR Enterprise is not listed on the licensed list of small loan lenders...however the law states that the minimun amount of a loan is 700 dollars...which is high. I checked some PDL websites listed in the state of Washington. They have the laws listed on their website and at the bottom of the page they state they will loan 1500 dollars on the first loan??? I would call that blatantly ignoring the state laws?? Or did I read the laws wrong?? Of course I have not heard of anyone getting 1500 dollars on their first loan...but I just thought it was curious.

Are you sure it isn't listed an an installment loan instead of a pdl?? They sometimes loan larger amounts in that way. Or if they are conected to a bank ...

No..these were payday loan companies website and located in Washington state. All internet pdl's list they will loan up to 1500 dollars depending on your paycheck...I just was surprised that they would list Washington's state lending laws on their website. Who knows maybe things work different in that state.

Wow....I am going to look at the laws for Washington to see what they say....

You will find the Payday loan laws for Washington here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

The majority of pdl websites claim "Get up to 1500 overnight". Now, do they really do that? Probably not. If they do that "depending on your paycheck", well, hell, you don't need a pdl if you're making that much darn money! I don't know about the whole posting the Washington state pdl law on their website. I just know that 99% of pdl websites claim you can get up to 1500. I don't believe it. I'm sure it's just a "lure". Then they offer you 200 or 300. Am I not correct here? How many of us have applied for a pdl that claimed we can get THOUSANDS and then get approved for 200? LOL! The majority of us, I'm sure.

I actually started that about the state of Washington looking for CashAdvance.net's address. I agree with you Cannr. I never borrowed more than 300 and the most I have heard of was borrowing 500. I don't believe they will give you that much on a regular PDL it probably has to be an installment loans. Anyway getting back to my so-called debt to CashAdvance.net. I checked my bank statements and I borrowed two loans from them the first one was in January and it was 200 the second was in June it was also 200 between the two loans I paid back 869 dollars. If that CA calls me I won't answer but if they send me a letter I will reply with a C&D and a letter stating how much I have paid their client. Then state (since they said I stole their clients money) I believe I am the victim here and their client is the theif!

Good job, laura! Great that you checked to be sure of the exact amounts paid. This way you'll be "armed" if some idiot tries to call and tell you that you owe more money. Lordy. And they will. Keep us posted as to how it's going! :wink:

I just got a call at my place of employment from emerald marketing group. I have no idea how they got my work number since I have changed jobs. A loan was taken out in my name and I didn't do it. How can I get this person to stop harrasing me?

jaid, I found this contact information on another post:

Emerald Marketing Group LLC
1489 Warm Springs Rd. Suite 110
Henderson, NV 89014
(800) 496-8958