Integrity Advance response email

They know they're not licensed in Michigan and can't enforce the debt in court. Contact the FTC, the BBB, and the Michigan attorney general's office and send them copies of this letter. Make sure you get written statements confirming that you've contacted the FTC, Attorney General's Office, and the BBB, then send them to the lender as proof. Then get a written statement from the lender releasing you from the debt.

I got the exact same email, but in your case, it looks like they're not even claiming you have a balance...

So, what exactly are they offering with this limited time offer? "You quit your bitching and don't talk about us, and we'll refrain from fabricating a debt balance to attempt to collect?"

Yeah, don't believe it. I'm currently formulating a response which will say, in not so many words, Stuff your "offer" where the sun don't shine, I'm not signing doodly squat, I'm not reporting the issue as resolved to cover your butt, and you still owe me money.

In your case, I would DEFINITELY file a complaint with the BBB and the State AG, detailing how you discovered that you have been grossly overcharged for fees and interest beyond what is allowed by the law (as the lender is not licensed to charge these fees in your state at all), and that the company has been unresponsive and uncooperative to your attempts to rectify the situation. Attach copies of your letters to them (as well as dates sent) and their response.

So I have done more research and found the initial loan in the amount of $300.00 taken from these people on 9/11/08. I have not done research to find out how much I overpaid them but am willing to go after them for this also. So what should I do first, Send a complaint to BBB, FTC, and Attorney General's office and what should I put in this complaint. Should I respond to Integrity Advance? Please Advise.

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i wouldn't sign it as now they have your signature,and can transpose it on anything.they didn't require a signature when you got the loan.they don't need it now.instead file a follow-up AG complaint,and keep the pressure on them.they are wrong,and you are right.

When I dealt with them, I got the same letter. I told them their offer was unacceptable as I had overpaid them and, in fact, they owed ME money. I was able to get a partial refund and then signed the agreement which basically says you can't come after them for more money, sue them in the future, or talk about the agreement :) It also says, however, that your account is paid in full.

Try to get some money back from them.

Thank you OhioGal1. I have sent them another email. Doing research, I realized that I had a 3rd loan in 2008 that I took out and paid them for but I requested that if they refund the $2040 I will do nothing about the loan from 2008. Don't know if I will get anything out of it but I guess it is worth a try.

>:-)

You could send them something like this:

Upon further research, my records indicate an additional illegal loan in 2008, for which I overpaid in the amount of $xxx, in addition to the previously quoted overpayment amount. This brings the total refund owed to me to $xxxx. As a resident of Michigan subject to Michigan state laws, I maintain that the choice of Michigan law be upheld, and consider this refund demand to be valid.

Though I maintain my position above, and without obligation to do so, I am willing at this time to extend a limited-time settlement offer, wherein you refund my originally requested amount of $xxxx and provide me with a letter stating that my loan(s) with you have been Paid in Full. Upon receipt of this refund and PIF letter, I will report the issue as resolved to all involved agencies, and blah blah blah blah....

yeah... that would be awesome... lol!

I have recieved a new response. What do I do? Do I sign?
[COLOR=#1f497d][/COLOR]
Your interpretation of the law is invalid, Delaware Law governs your loan(s) as stated below as well as on your loan documents. You adhered to the terms of the loan agreements and paid off your loans as scheduled. While Integrity Advance is not obligated to "refund" you any monies, I am willing to "refund" you the last two months of ACH Transactions in an effort to bring this matter to an amicable close. The total amount to be sent to you is $350 upon receipt of the signed Mutual Release Agreement and evidence that your complaints have been resolved. Thanks,

Anthony

[QUOTE=Anonymous;697295]I have recieved a new response. What do I do? Do I sign?

Your interpretation of the law is invalid, Delaware Law governs your loan(s) as stated below as well as on your loan documents. You adhered to the terms of the loan agreements and paid off your loans as scheduled. While Integrity Advance is not obligated to "refund" you any monies, I am willing to "refund" you the last two months of ACH Transactions in an effort to bring this matter to an amicable close. The total amount to be sent to you is $350 upon receipt of the signed Mutual Release Agreement and evidence that your complaints have been resolved. Thanks,

Anthony [/QUOTE]

are you the OP?if so i would say NO DEAL!!!!!!!!!!!!they owe you almost 1200.00.their 350.00 offer is an insult as their steadfast and stupid notion that delaware law prevails is as well.re-file your AG complaints with that e-mail attached.they are insulting you,and stll being stupid with their e-mails.respond that they are still wrong,and new complaints will be sent right away.

I would be happy with a $1500.00 settlement if I request this of them do I tell them that I would sign the papers if they refund me the $1500.00 that they owe me and I will forget the remainder, or should I do differently. I didn't think that I would even hear back from this company as the loan has been paid off.

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I would definitley counter-offer. They did the same to me, low-balled me. I countered and ended up getting about half of my money back, if I remember correctly. Be persistent. The fact that they're willing to give you some money back indicates that, although they won't say it outright, they know you are RIGHT!

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So I was hoping to get a quick response from Integrity Advance but have not. So now we wait. Can't wait to get a response back and hoping it doesn't take to long and is a good outcome. I want to get rid of this headache.

I sent them a email a week ago and still have heard nothing. Do I just keep emailing them and should I send a fax? I need a fax number to do so. Does anyone have it? If they decide on a settlement how is it that they refund you the money. I was able to get money deposited into a closed acct. before. Just curious.

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What is a reasonable amount of time to give them to respond. If I was late on a payment they would call the same day, but when I call them on their wrong-doings they seem to take as long as they want. I sent them an email on 5/10/10 with the counteroffer and have heard nothing back. Do I call them, keep sending, where do I go from here?

Scratch my original note. I was confusing IA with EastSide Lenders. Anyhoo, contact this gentleman directly. He is a little slow to respond. He used the "my legal department is reviewing your request" excuse with me. But, in the end, I received my refund (50ish%) and did sign a mutal release agreement.

[EMAIL="anthony@iadvancecash.net"]anthony@iadvancecash.net[/EMAIL]

Should I contact Anthony via phone or do you mean by email?

Email. That's why I gave you his email address.

I have been emailing him. I will just have to continue to wait, I guess. Thank you for your help.

Like a said, he's a little slow to respond. Be patient and persistent. I emailed him once a day, just to let him know I wasn't going anywhere :)

I am rather annoyed this morning as when I went to send my daily email to Anthony I got the following email back.
I am out of the office and will return 05/25/10. If you need immediate attention please contact Ms. Sandy @ 866.378.0084 or ext. 7780. Thanks,
Anthony
He has been getting my emails and had to go into his email to set up the rule for being gone, so he just isn't responding. Now I have no email for Sandy. Can anyone help with this? Should I fax attn Sandy and see if she emails back? I am not really wanting to call them.

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Try [EMAIL="sandy@iadvancecash.net"]sandy@iadvancecash.net[/EMAIL] That seems to be their format. Otherwise, don't worry about it. Keep sending him a daily email. He will eventually respond - or he won't. Doesn't matter as long as your money is safe. They are the ones in the wrong, remember? :)

I have a question I rec'd this same letter however I never filed complaints with these companies. What are the possible reprocussions?

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