At the end of last year, I took out a $500.00 dollar paycheck loan from Credit Payment Services, or mycashnow.com; I agreed to pay back a total of $620.00 or $120.00 interest for this $500.00 loan!
Well, it turned out my wife lost her job and I went into a financial tailspin. I agreed to pay an additional $120.00 to extend the loan another two weeks while I figured out how to get the money to repay them.
Come two weeks, I couldn't come up with the money and telephoned them to make some kind of payment arrangement. I spoke to Rebecca Edwards of the collection department. I told her I could only pay $100.00 at that time, she said ok. She then told me that if I sent and additional $450.00 in two weeks then she would close my account for good. The payments were arranged to be sent via Western Union. She also said that the company would never again debit any more money out of my checking account.
Well, after I sent the second payment of $450.00, Ms. Edwards telephoned my residence and left a message on the answering machine stating that I had until the end of the month to come up with an additional $350.00 or else she would initiate legal action against me!
This not only angered me, but also caused undue embarrassment as my spouse and room-mates listened to the message exposing my personal affairs.
I phoned Rebecca Edwards and left a message stating she had violated the privacy act by disclosing my personal information on the message recording and asked her to please close my account for good and leave me alone!
Ms. Edwards then phoned the next day leaving a message for me to call her back. I didn't call her, and she called a couple days later and asked for me again. This time my wife answered.
My wife informed her that she had just finished talking me out of filing suit against her company for violating the privacy act. Ms. Edwards told her that she understood and hung up.
Less then a week later, I receive another e-mail from the company stating that they attempted to debit funds once more from my checking accout and had added more fees due to the unsuccessful attempt. The account was closed by this time anyways.
I then received an e-mail from another collections representative, a Mr. Christian Nichols. Mr. Nichols, in the e-mail threatened garnishment of my wages if the amount they alledged I owned wasn't paid!
I would appreciate if you could help me with this, I am flat broke and my car is about to be repossed for non-payment, thus I cannot affored to send them any more money. As it is, I have aleady sent them over $700.00 for repayment of the $500.00 loan.
Most recently, they left another message at my house stating that I now owe them and additional $415.00 and demanding payment or else legal action would be taken against me!
Thank you very much for your help! I truly appreciate it.
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