Getting Nervous

Try not to let them intimidate you. I know it's easier said then done, but you have to be strong. Know that you are in the right. These people are scum.

If you think you are going to get worried then just hang up the phone. These people aren't going to be reasoned with anyways.

Goudah
As always you have calmed my fears . Am I correct in thinking that in reality there is nothing they can do to me. No jail, no arrest, no garnishment

That is correct. They cannot touch you. That is why they are trying to scare you into paying. If they really could do things to collect they would not need to threaten you.

Goudah is right- These people count on the fact they can upset and scare you into paying them, even if you don't owe!! I deal only with collecots through the mail, that way I don't get upset and have to deal with that!!..Karen

Yes good idea karen. I only deal with my collections through the mail. I immediately send them a cease and desist order so they don't hound me by telephone day and night.

ladybug

Thanks guys.
i sent via e mail a cease and desist letter. they e mailed back that it would not work and they were marking my file. They said they would call my landlord. They told me they could find him thru some type of records. They told me that they could get me on fraud charges and have me arrested. They do not have my new work number and told me if I refused to tell them where I now worked it was identity theft, that i was claiming not to be me and working under an assumed name.
Please guys keep reassuring me that they can not do anything.
Oh the person from Sims told me that they were an assest management company

Keep records and notes of everything they say, dates and times. I have done this, and when I repeated dates and times and what they said to me, they got nervous! Are these people pdls, or collection agencies for credit cards?

They cannot do anything.

Most of us have got those threats in the past. We were never arrested. Nothing ever happened. They are hollow threats.

Think of it this way - If everyone that defaulted on a loan was put in jail, there would be a huge overcrowding problem! They would have to build a whole lot more jails!

They are collection ageencies i believe for pdls. I have no credit card problems. I do not want them contacting my landlord. Do you think they can do that

lol@ Goudah! I told them when they threatened me, to come and get me, at leaset I wouldn't have to take care of anyone and someone would take care of me-they hung up!!..KAren

Bossy
Maybe I should try that LOl.
I know they are wrong, but it is upsetting.At least if they came and got me I would not get any more call!!!!!

Goudah
You are correct. There would not be any room left in the jails. We would have to get a shorter sentence than Paris Hilton LOL
I have to keep remembering that there are no more debtors prisons

I know- that's why I don't talk to them on the phone, I get too upset. Except now, I am pretty bold with one of them, they knwo they have broken regulations, and they know I knwo it!! They have said they see from the notes they have that I am "debt educated", I told them, it was about time!!..KAren Hang in there!! :D

I am from Ct. and have never heard of a Payday loan until I came to this site. It sounds like these are just modern day loan sharks. I was just doing some Google ???????ing??????? on this and am shocked at how many states allow such loans. I found a lot of information on this site http://www.paydayloaninfo.org/index.cfm. I don????????t know how accurate it is.

It's a good link- it's one I use often..You are right, they are like loan sharks, or the mob :lol:

Thanks so much MOM for your interest
Please what ever you do , do not under any circumstances take out a pay day loan

kash, please don't be upset. I remember a post by anthony not too long ago. He stated "if they were a legal collector, they would not be threatening you, screaming at you, etc." These are pdl collectors calling you. And, no, do not take their calls. Do not call them back when they leave a message. They're not going to call/find your landlord. Good God! They are insane! Actually, for as much as I've argued, emailed, and gone back and forth with my pdl's, none of them even called my "references", let alone anyone else! As far as them calling your landlord, that's uncalled for. I would re-file all my complaints (but I like to do that) and put in there that they are harrassing you with threatening phone calls. Keep documentation of everything. That's why it's best not to deal with them over the phone. Make them contact you via email or USPS. No documentation if you're on the phone. Not good. Get everything in writing. And, kash, I'm still sitting here at work..... I'm not in jail.....You'll be okay. They're full of crap and trying to scare you into giving them MORE money!

Just checked. No one called my references about me. One reference is my cousin, and she wont give any info. The other reference has changed her phone number to unlisted, so they cant contact her I am pretty safe on that front. for the longest time I ws not bothered by calls, now this Sims Associates is driving me nuts.I guess it could be worse. I have to keep believing that there is nothing that they can do to me

You dont' have to keep believing it. You should know it. They cannot do anything to you but harrass you. Period.

Cannr and Goudah
thanks so very much. All your advice has been exceptional. Love you guys.
Anyway, Yes you are right. I should not HAVE TO BELIEVE IT, I SHOULD KNOW IT. They can not do anything to me.I guess I let them get to me, they sort of got me off guard. I am prepared for next time. I will only deal with them via e mail or usps.
Is there any way to find out if they are even allowed to collect in my state.(New York) , or does that not even matter?

If it makes you feel better, here is a link for NY pdls at http://www.paydayloaninfo.org/state_detail.cfm?id=NY Don't give them that much power to ruin your day- Try to focus on something positive, don't answer the phone, and breath!!..KAren :D

Pay day lending is illegal in New York. Am I correct? Let's ask Jen and Mperez who have been battling internet pdl's. I know pdl's are illegal. However, they are having "issues" with internet pdl's. To me, they can all go straight to hell if they're not licensed to do business in your state (which they are not). Maybe I shouldn't say that. But to know that they are harrassing you and threatening you makes my blood boil. They are not even legal.

Hi Kash. Sorry for your ordeal today. I can't believe the tactics these collectors use. For one, screaming is unprofessional (not that any of these companies are professional) and for two...what is "we're going to find your landlord..." LOL! It IS like a bad mob movie. :-) Don't let them get you upset. They can't touch you. Maybe you could have a little fun on the phone with them!

from all I have read , it is illegal in New york. The
web site for New York does not give as much info , as for other states. To me it is a bit vague. What about collectors, do they have to be licensed in a particular State?

Cannr
I dont know how to get Jen or Mperez to get their imput

See if this helps at http://www.banking.state.ny.us/brdl.htm it's on the NY pdl info..Karen

kash, do a search on this site to find a post by mperez or jen. Try to google new york or something along those lines. Posts will pop up and I can PROMISE you mperez and jen will have posted. Find their posts and pm them.

Eleroo and Bossy
thanks to both if you. The link was comforting to say the least. Eleroo, I should have had some fun with these jokers, but they caught me off guard. Like I said if there is a next time I will be prepared.
Yeah what is up with that Ill call your landlord bit???In retrospect, it is kind of bizzare

I'm here guys!

Kash, Payday lending is illegal in NY, HOWEVER, Mperez found out that if the PDL is licensed in the state that they are located in and the loan is made over the internet, then it can be considered a valid contract.

It sounds fishy to me though and I am inclined to believe that Mperez spoke to someone who wasn't really sure about the laws. To me, if they are illegal, then that's it. End of story. But, it seems that they might have this little loophole that they can go through.

Anyway, do you happen to know who it was that called you? I know some PDLs are notorious for the threatening phone calls. I believe Cashtoday is one of them. I defaulted on three so far, (all MTE) and not ONE has called me (knock wood please!). I did receive one email and that was it.

I filed with the NYS AG and they are mediating on my behalf, so we'll see how that goes.

In the meantime, please don't panic and stay strong!

jen to the rescue! Thanks, jen! :D

Thanks Cann! Anytime, I live to help you guys. I feel like a united front!

Thanks Guys
I have found out the following
Its my payday is licensed in their state but there web sit does say they CAN NOT service NY. DUH
Star Advance is not licensed. Located in Costa Rica and Panama.
Fast bucks now is
ONLY licensed to do business in UTAH
United Cash loans not licensed,
I DID ALL MY LETTER SENDING AND COMPLAINTS.
i AM still trying to find out any info on one step cash and Pay Day 2 go
Those are the two I am having problems finding info on.
Thanks so much for all your help and support
As fas as Simm Associates they never did get around to telling me who they were collecting for. I guess they were too busy with their threats to actually tell me anything

OOPS
I did it again. I thought i was logged in , but I wasnt
The above post was from me
KASH

Kash, I have staradvance too! I just bumped up my thread regarding them. You are 100% correct, they are not even in the US!
It is located in Utah. Whether or not they are licensed, I don't know because I paid them off before I found these forums.

Thanks
I will check
This is sooooo not worth the loans. If I knew then what I know now

Went To Payday2go.com.And found the web site that I loaned from
It say"we are a St. Vincent lending co"
We go by the laws of ST. Vincent
Some one please tell me where the hell St Vincent is

kash, LOL! :lol: Is St. Vincent the patron saint of pld's or something? OMG! I have never even heard of that! Is this yet another overseas one? I know I'm not too bright on the whole geography thing, but I've NEVER heard of this place! I'm dying here! Stop making me laugh at work!

Okay, I did a google map search for our patron saint of pdl's. St. Vincent is in MN, LA, AR, KY, CA, LA, and GUESS WHAT?! CANADA! I'm leaning towards this pdl being in Canada since they stated they are "governed" by St. Vincent. The ones outside the US usually put that on their contracts. Hmmm.... maybe we learned something today????

It states this on their site:

Corporate Headquarters
All legal correspondence should be sent to:

L & M Financial Ltd.
1st Floor Marcole Plaza
Halifax Street
Kingstown, St. Vincent and the Grenadines

U.S. Payment Processing Center
All payments and payment related issues should be mailed to:

Payday2Go
PO Box 286
Kensington, MD 20895

All checks and money orders should be made payable to Payday2Go.

I'm with Cannr on this one, I think they are Canadian.

DO You believe this crap! Just stopped laughing long enough to google St Vincent, Guess what? St Vincents is in The Grenadines. Ok next question what and where the hell is a GRENADINE. Yeah ok ill really worry about this one. I dont even think The Grenadines is on the planet never mind in this country

Here ya go:

http://en.wikipedia.org/wiki/Saint_Vincent_and_the_Grenadines

Oh my! I am laughing so hard right now~

OMG! I'm dying here! Did you see how "big" this St. Vincent place is? Oh, boy! You better be scared to death about them being "governed by St. Vincent". I'm dying! I'm so glad to find this out though! Yet ANOTHER hidden overseas "island". OMG!

I am laughing so hard the person I share my office with just asked if I was ok.
The patron Saint of PDLS. I love it.
Did we figure out where the Grenadines is? Is it Canada?
Sounds to me like some obscrue remote island that harbors criminals. Sort of like a penal colony.

The Grenadines are a Caribbean island chain of over 600 islands in the Windward Islands. They are divided between the island nations of Saint Vincent and the Grenadines and Grenada.

That's what I found. The Patron Saint of PDL's resides on one of these 600 islands. LOL! :lol:

I Dare you to find out exactly which one of those 600 islands they are located on. They must be awfully tiny island if there are 600 of them !!!!

LMAO!!!!!!!!!!!

St. Vincent is the MAIN island! And check out the size of it! OMG! I swear, I'm going to have to write to the Prime Minister - Ralph (Ralph?) Gonsalves. Wonder what would happen if we sent him and the governor our complaints???? Oh, I'm having a field day with this one! :lol:

Saint Vincent and the Grenadines is an island nation in the Lesser Antilles chain of the Caribbean Sea. Its 389-km???? territory consists of the main island of Saint Vincent and the northern two-thirds of the Grenadines. The country has a British colonial history and is now part of the Commonwealth of Nations and CARICOM.

I guess we dont ever have to worry about Star Advance. I am certainly not planning a vacation to the sunny island of st. vincent.Well another one bites the dust. SO long Star Advance.
Still I wonder what are the people called that live there ? Does anyone live there ? Are they Grenadinians? What ever and who ever they are all I can say is TA TA

It's really too funny. I can't get over how many of these companies are foreign. Why do you suppose that is?

Why do I personall think that? How much more illegal can you get? LOL! And who's going to come after them? LOL! Check this out:


The country has no formal armed forces, though Royal Saint Vincent and the Grenadines Police Force includes a Special Service Unit.

Saint Vincent and the Grenadines are a full & participating member of the Caribbean Community (CARICOM) and the Organisation of Eastern Caribbean States (OECS).