Can a creditor e-mail a formal collection letter to someone instead of using the postal service? Also, the letter contained the wrong SSN and the whole city word was incorrectly spelled. Just listed a name and phone number, no return physical address. This is the first letter received from this creditor. They did say I had 30 days or else they could do the usualy stuff. This was for a payday loan. What should a I do? Do I write them using the postal service for a validation letter and see what happens? I appreciate any advice on this matter. I haven't seen much on the web about e-mail collection letters.
I think it may be bogus! in my opinion I would be aware and ck it out. this is from a creditor? did you give them your e-mail address? did you ever have a pay day loan ? they have the wrong ss# well dont respond and give them any info . since you know what co it is from ck the bbb office for the reliability report this gives all the co info. keep this as evidence and e-mail them back so you have further correspondance as aevidence only ask them info about the debt tell them nothing about you. you may need to file a police report it may be someone posing as a creditor . wait and see what happens. if you dont have the address the post office would not work for you that why you need to ck the bbb.
oh , since you have the e-mail address it came from e-mail them back lol and ask them for more info on the debt. this communication may be benefical for your future.
Thank you for the advice on my questions. I did check out the BBB on this company. They are a marketing company at the same address, same suite #, city, zip and state as the payday loan company. BBB has stated that they (the BBB) has requested information from this company twice and has yet to receive any information about this company. Since the return e-mail address had a .com address, checked out the dot com address and all it brings up is the website with the three initials of the company (XXX Marketing). The e-mail I received showed an attachment to download. Since the body of the e-mail when I clicked to display it had the usual garbage alpha characters so you can't read it unless it is download. I believe this falls under the Privacy Act since my daughter and I both use this same "MSN" account and she is a minor. Also, what is an administrative wage assignment. I thought that for wage assignments they had to be a court order wage assignment except in certain cases, like child support, student loans, tax debts. Also, read where a "Request" to a company to garnish one's wages and an "Order" (by court) to garnish one's wages are two different things. Is this correct? If someone has any insite on this please feel free to explain. Thanks for any advice on this subject. qvc4u2
Do you in fact have an outstanding payday loan? Did you originally provide them an e-mail address to use to contact you? Did you originally provide your correct SSN and mailing address?
Yes, there is an outstanding payday loan. This payday loan company contacted me at work and said that they could deposit $XXX to my checking account the next day by faxing them a VOIDED check (correct address was on the check) and other info. Stupid me... should have said no, and let it go at that. I'm thinking that maybe I had to give them (original creditor) an e-mail address for them to send me the forms to download and send back to them, but does that give the debt collector the right to also use my e-mail address? By giving an e-mail address to original creditor does that mean that I gave permission for the debt collector to use the same e-mail address? Anyway, yes the address and SSN were correct in the info sent for processing payday loan. When their reps called me at work for payment, I was harrassed (have notes when they called and what they said) asking for the fax number of my work and when I didn't give to them they harassed me with the woman on the other end saying "I hope you lose your job and I'm calling your direct office to get this information." I said "you do that, you call my company's direct office (we don't have a direct office or bigger office, not with less than 15 peoople working in this office - LOL) She had the info she needed by the fax I originally sent with Voided check on it. Company name is in the header of fax that company sends out with all faxes. At that time the phones were ringing off the hook at work and I told her I couldn't talk anymore and hung up. Then another lady called and started harrassing me again within minutes of the other caller. I said give me your physical address and I'll see about sending the payment overnight - she gave me a P.O. box number instead. I had to get off the phone at that time because the phones were just to busy at work. I should just pay this and take care of it. But want I don't think is right is that they can't even write a letter with the correct info on it when they have all the info they need in the records. So what do you people think I should do at this point? By the way, this is a great forum and I'm learning a lot. qvc4u2
Some people and businesses you should never do business with, regardless of the terms. Payday loans don't even have good terms. Although it is irrelevant here, why did they call you in the first place?
