Unfortunately, you've been duked by PDLY like so many of us have. They deposited money into my account after I asked them not to. Even if you pay the "loan" back, there's a high chance that they'll still take money from your account whenever they feel like it. You may want to close the account ASAP to prevent further damage.
Today, they threatened to take me to court. A man named "Dave Collins" called me at work, claiming to be on his way to my job to serve me with a summons to appear in court. He told me that there was an "addendum" attached to the summons, which would allow me to contact the debtor and try to resolve the debt before I was served with the summons. He gave me a phone # of 888-358-1130 to call for debt resolution. Dave said that once I made a new pymt arrangement, PDLY would automatically fax him papers that would prevent him from serving me with the summons, but that I only had 30 minutes to do so, or else he'd be at my job. Of course my first reaction was to panic, so I called the number and spoke to a "Charles Lockwood" (at ext. 304) with a "third-party company" called UCR. Charles agreed to reduce my $900+ balance down to a mere $500, with 2 automatic draft payments of $250. That sounded great to me, so I agreed to it.
Hours later, logic set in and I started thinking.....1. When I asked him, Charles couldn't really tell me what (the abbreviation) UCR stood for; he just said "United Card." Furthermore, he couldn't really explain UCR's role in the loan repayment/debt collection. 2. A payday loan company that's a scammer can't possibly take you to court. That would be like robbing a bank, and then taking someone to court for stealing the money that YOU stole. You'd have to admit that you stole the money in order to prove that someone stole it from you. Make sense? And 3. Dave, the summons server, called from an out-of-area phone number. We have caller ID at my job and I happened to answer the call. When I looked down at the phone (before answering it), I remember seeing all zero's for the phone number. Now, if he was going to serve me with papers, why wouldn't his phone number be a local number that reflected he was with the court in my city?
These people are a trip and I feel that ALL payday loan companies, whether legit or scammers, should be shut down entirely. The government needs to do something about it!
