PDL using AIM to harrass!!

I have received rather wierd and bizarre messages on yahoo im, from whom I believe are reps from Cash Today.

Some folks have no life...

yeah...but how did they get my AIM address in the first place? I mean, it's not like I was all "let's be friends...IM me sometime!" LOL!!

is it the same as your email addy?

no...I have yahoo email. my AIM is a different name altogether...

wow that is f'd up then...lol

how did they get that?

does aol have a member search? where if you typed in your name it would spit out your username?

It might, they may be able to find you AIM name if you have it linked to your yahoo email addy. Mine isn't linked to my email address they have, it's linked to an aim.com email. But that is scarey.

yeah, and I just got an email from CashSupply saying they DENIED (yeah, it was in all caps) the proposal from T&C...anyone on here know if CashSupply DOES accept T&C proposals/payment?

Thanks!

Do you already know Cash Supply's real company name?

FFD RESOURCES I, LLC
711 S. CARSON ST. #4
CARSON CITY , NEVADA 89701

no...thanks!!!!!!

Carson City Nevada must be one heck of a place. It seems that a lot of them are there. Suppose it's the mafia...

FFD is how they are incorporated in NM, they are also FFD II. But they are out of Nevada

naw...Nevada just has had crappy consumer laws for many years

I guess, makes me glad I don't live there.

This is the address they put on all their emails though...

Cash Supply
314 North Riverside Dr.
Espanola, NM 87532

yeah FFD I, II, III, and IV are Nevada corporations who set up shop in New Mexico. Looks like they started in Delaware, because their officers listed are First Fidelity Of Delaware, Inc.

It is unlawful to make collection attemps via e-mail alone. Now they do text messaging and instant messaging? This company is just begging to get bodyslammed with a big fat lawsuit!

so, if don't call me, only email me, they are breaking the law?

They never call me on the phone, only email, and now these crazy IMs!!

They are breaking the law, pure and simple. You can sue them, it's a violation of your privacy rights under the fdcpa.

Scary stuff....I would save the conversation and forward it to the AG's office...That can't be legal.

Hit enter before I was done...

Ok...So the IM messages are not SECURE connections....What if they sent the info to the WRONG PERSON? I used to get IM's for someone with a similar IM name as me all the time!

Or what if it was someone else using the computer??

This has to violate privacy laws.

I'm just livid...lol

Being the original creditor, they are not bound by the fdcpa....

It's still disgusting. I would call them and throw a fit!

This is from a SPAM email I received from some random PDL...they are trying to make these loans seem like the GREATEST idea for consumers!! LOL!

[quote]The Facts About Cash Advances

Cash advances have many names and many potential uses. Regardless of whether they're called payday loans, post-dated check loans, deferred deposit check loans or any number of exotic terms, cash advances all have the same basic features.

Cash advances are intended as an emergency source of funds for consumers with Fair Isaac and Company (FICO) credit scores below 620. FICO scores have been used by lenders in determining consumer creditworthiness for almost 50 years.

If your credit score is 620 or below you will be considered financially unstable by mainstream lenders who will consider you a greater credit risk. Lines of credit or loans at competitive interest rates could become very hard to find if you fall into this ???subprime??? credit category.

Before the subprime cash advance industry came into being, people with poor credit scores who wanted to borrow money were essentially ???thrown to the sharks??? if they couldn't borrow money from a friend or relative. Loan sharking became a back alley industry in which the sharks, often members for the Mob, would let their customers borrow money with illegal and ridiculously high interest rates. Failure to pay back the land sharks whatever outrageous fees they demanded could result in the loss of limbs or even your life.

Today cash advances may be a subprime consumer's best alternative in a desperate cash crunch. Even if your credit is good you may still be disqualified for a mainstream loan if you have unreliable income or have few tangible assets.

If used appropriately, cash advances can be a useful financial tool that will help you cope with short-term cash flow problems caused by an unexpected emergency that stretches your finances to the breaking point. Sudden car repairs, illnesses requiring medical attention or money needed for an unexpected trip are all possibilities you may not be able to budget for in advance.

Even the possibility of bouncing a check or making a late credit card or utility bill payment could be more costly than a cash advance. One missed credit card payment could really hurt your credit score and too many bounced checks could cost you hefty penalty fees. The high fees and hundreds of percentage points in interest fees often associated with a cash advance may be a much better alternative.

Cash advances are quickly becoming a viable alternative to solve many consumers' cash crunches today. As of 2005, there are close to 100 million cash advances issued each year. This explosion of subprime lending has resulted in more than 24,000 cash advance companies being established in stores, check cashing businesses and pawn shops throughout the United States.[/quote]

HA!!!

Quote:

While I agree with you, you know that isn't going to happen, and they will hide behind the "OC" status. Gpoing as far as finfing someones screen name for a messenger prgramis extreme. But its also proabbly entirely legal, as out laws are not written withthat form of communication in mind. Therefore since the law is silent on the matter they probably feel they are legally ok to do it.. Not saying it right, just trying to provide an insight to their thought process.

While I agree with you, you know that isn't going to happen, and they will hide behind the "OC" status. Going as far as finding someones screen name for a messenger programm is extreme. But it's also probably entirely legal as our laws are not written with that form of communication in mind.

Therefore since the law is silent on the matter they probably feel they are legally ok to do it. I'm not saying it's right, just trying to provide an insight to their thought process.

For every law is a loophole. I get the idea.

Acutally FFD is out of TN. Those are shells.

what?

this is wierd i got a email on myspace from e-payday loan saying i defaulted on a payday loan do these people have a life there finding ways to go after people..

OHMYGOSH!!!!!!! :shock: I can't believe they went through your myspace!!!!!! :shock: :shock: :shock: That's INSANE!!!!!

This company is extremely crooked and they are actually based out of Atlanta and it's illegal to do pay day loans in GA

perry carter
Quote:

That happened almost two years ago.Please be mindful of the dates. By answering old posts newer ones get pushed down.

I didn't realize it was an old post, my bad.