Do Your Own Debt Consolidaton And Save! Know Exactly When You Will Be Out Of Debt, And Sooner Than You Think. No: New Loans, Credit Checks, Monthly Fees, Discussing Your Situation With...
Threat from CashTransferCenters to "Contact my Payroll
Written by debt consolidation forums
Friday, 01 February 2008
Johnson Drake Guest
Thank You for choosing CashTransferCenters.com for your short term financial needs.
e due in full on December 7, 2006 is now outstanding. We value your business and wish to retain you as a customer, however, this needs to be resolved immediately.
As a matter of standard practice, the following steps have been taken,
ount has been listed on your Teletrack Report and at this time, is negatively affecting your Credit Score. This may result in the loss of any credit privileges extended by creditors who use Teletrack. This may also have a negative effect on any existing credit where the creditor is a Teletrack subscriber. Pay this loan in full in one payment and your Teletrack score will be updated. 2. We have initiated contact with your Payroll Department in an effort to ensure that the information you provided us is accurate.
It is not our wish to lose you as a customer. Please contact our office immediately to arrange for full payment to be made. We will immediately cease all action against your account upon receiving full payment of the outstanding balance. We wish to continue to provide you with all of the services that were previously available to you as our valued customer.
e b/c Lisa Burton is also the Account Manager for Paydayavenue. _________________ BROWNSUGAR!! NotsoLucky
This must be a form letter they use with all their aka's. Send them a wage revocation letter beings wage assignments are strickly voluntary. Then if they do try to get your wages, give a copy of the revocation to your payroll. ApeshizzleMcFizzleface e that several people goby there in collections? ApeshizzleMcFizzleface
She refuses to give me CTC's address for cert mail. SUEBEEHONEY70 Moderator
Johnson Drake -
e situation we've all been in ourselves.
Here's a rundown on the Payday Loan (or PDL) rap:
They WILL:
-threaten to arrest you -threaten to call your Payroll Dept., your HR Dept., your mother, your grandmother, and your best friend in an effort to embarrass you into paying and yell at you to intimidate you into paying -call you repeatedly to annoy you into paying -tell you they have the police on the other line ready to swoop down on you at a moment's notice -tell you they are "downloading affadavits" for your prosecution and/or arrest -e-mail you repeatedly with threats
They CANNOT:
-arrest you for defaulting on your PDL debt to them. my) -send the police to your home, work, etc. -do ANYTHING over the phone by contacting the Payroll Dept. at your employer - any wage garnishment must be initiated by a legal action, and you must be notified of it in writing.
And, most importantly, they cannot intimidate, threaten, frighten, embarrass, humiliate or otherwise bother you UNLESS YOU LET THEM. These companies thrive on fear and intimidation, and those are the tactics they use to try and force people to pay.
Check your state's PDL laws. If the company is lending illegally in your state, advise them that you will pay back the principal on the loan only, but nothing more. Then file a complaint immediately with your state's Attorney General (AG) against this company - and be sure to inform the PDL company when they call you again that you have done so.
If they are lending legally in your state, they should be licensed by the state. Find out if they are, and if so, if they are following your state's laws. Most likely, they are not licensed, and are not following your state's law. They will claim to only be bound by the laws of THEIR location - not true - any lender has to follow the laws of the location of the borrower.]
I know this was long, but hopefully it helps. Again, welcome - we hope to see more of you here! And if you need assistance with other debts, and would like to discuss your options with a debt counselor, take a moment to register with this site. It's free, and by registering, a counselor will call you within a couple of days.
Susan _________________ A journey of a thousand miles begins with a single step...and becoming debt free is a journey! ApeshizzleMcFizzleface
Is there a form wage revocation letter on this forum? mskimmers
I have a question - you advise paying back the principal only------what about legal interest (re CTC) I've emailed them but have not heard back yet I expect to tomorrow when the loan is due. Has anyone had any luck making payment arrangements with CTC? goudah2424 Moderator Following letter can be used for revoking a wage assignment.
Quote: The date e and address e and address of the creditor Your account number with the creditor
,
I hereby revoke your right to use any and all wage assignments I signed on (The date you signed the wage assignment agreement). You no longer have my authorization to use this wage assignment.
Sincerely, Your signature SUEBEEHONEY70 Moderator
mskimmers - if you investigate your state's PDL law, you will find the allowable interest rate there. I did not mean to mislead anyone - I cannot edit the post to include that info once it's been responded to, so I thought I'd add it here.
You should definitely pay back the principal and the interest rate allowed by your state PDL Law. My apologies for the oversight. _________________ A journey of a thousand miles begins with a single step...and becoming debt free is a journey! Guest
That's what I've offered CTC! Thanks for pointing it out. _________________ . laerne Guest
listen i owe ctc 889 they now say owe 945 what is the interest rate for ill, are they legal license here. they said they have contacted my payroll department to get my correct information, will my payroll give them info over the phone my info is not to be giving out to anyone that calls is it? _________________ . PDLFREE
You can find a link to a wage revocation letter on my blog site Debt Free SUEBEEHONEY70 Moderator
Oh, and Johnson Drake - that line in the letter about Teletrack "negatively affecting your credit score" is not true. To my knowledge, Teletrack does not report to the Big Three credit bureaus - Teletrack is for payday loans only - it reports if a PDL company has had trouble collecting from you. Which is only a problem if you decide to take out another PDL, which, after coming to this forum and learning about them, we sincerely hope you won't! _________________ A journey of a thousand miles begins with a single step...and becoming debt free is a journey! DebtCruncher Moderator A good payroll department will make them fax in a request with your signature authorizing the release of any information.
Some employers verify over the phone, but the usually will only verify dates of hire, position and full-time status.
Your employer is not at liberty to give out your address or phone #s. And most of the time, a good H/R person will tell the creditor that they need to contact you for that information as they will not get involved. Kdebt.com
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