I had a cash advance loan in which the monthly payments were being drafted out of my Bank of America checking account. I received notification from the bank the there were fradulent charges on the account with my debit card. This was the 2nd time that this had happened to me and there were at least five charges up there that I had no idea who they were and what they were for. I had the bank stop that card and close that account associated with it.
I then faxed or emailed cash advance that the account had been closed and that I would contact them to see who I could set up payments with them. I never heard back from them other than I did receive an email from an Eric Jones on 5/3/07 in reference to the arrangements being made. Before I contacted them to set up arrangements, I got a call from an Linda Banks stating that she was an attorney and I needed to call her to get my debt paid.
I contacted her and the 800 number listed above and she immediately told me that she was an attorney collecting a debt for cash advance. I asked her if I could pay them in payments, she said no. They were not calling me to work out any payment plan outside of 1/2 now and 1/2 14 days later. I told her that this was unaffordable to me, and that I would contact someone to find out what I could do.
Ms. Banks was also very rude and not willing to work out anything other than what I stated above. I did contact her on 6/23 to make her aware that I was waiting for some money and that I would pay the balance in full and call back upon receipt of the funds. However, I am getting ready to see what the state laws are on this collection before I do so. I am not going to put myself in a stressful situation and I don't have to do so.
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