Complaint Review: Ace Cash Services

I received the below email and have no idea what these people are talking about.  The only payday loans I have had have been paid off and the current one is paid by direct withdrawal. 

Reference: Case No. OCL-0925E and ACS Relationship No. 8462382 

Subject: Final Collection Notice

Dear valued customer,

As you are aware, Ace Cash Services is currently engaged in the business of providing Payday Loan to its customers across Unites States of America.

We would like to inform you that pursuant to your request for availing our payday loan services you were provided the said facility and Relationship number 8462382. You have also represented in writing to comply with the relevant terms and conditions specified in the Customer Application Form, which includes inter-alia that you shall pay the bills on or before the due date. The acceptance of the Application form by you concluded a valid, binding and legally enforceable agreement.

We take this opportunity to place on records that in spite of availing our facilities, you have neglected and failed to pay the amount of $935.76 towards the outstanding amount against you as of September 18^th 2014. The said outstanding amount $935.76 is an ascertained debt payable by you which has accrued by your usage of loan services in accordance with the terms and conditions of the written contract.

Please note that under Fair Debt Collection Practices Act of PUBLIC LAW 95-109 (1977) & Fair Credit Reporting Act of 1970, your default in payment of the aforesaid outstanding amount is in breach of your representations and promises to pay the bills on or before the due date. In spite of our repeated reminder and request to pay the aforesaid amount, you have deliberately failed and neglected to pay the said amount till date.

Under the circumstances we hereby call upon you to pay the aforesaid outstanding amount of $935.76 (Negotiable) within 7 days from the date of receipt of this notice, failing which we shall be constrained to initiate Civil and/or Criminal proceedings against you entirely at your risk as to cost and consequences, which please note.

Without prejudice to our rights, we hereby request you to make the aforesaid payment, within the stipulated time; you are requested to contact between 09:00 AM to 05:00 PM (EDT) for clarifications, on (208) 881 0005 or E-mail us back on this same email address.

Looking forward to hear from you.

Note: This notice is provided to you on behalf of Cash Advance INC and its parent company and their respective family of companies such as Cash America International and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “Cash Advance related companies,” “we,” “our,” or “us”). The Cash Advance related companies are 100 Day Loan, Net Loan USA, Fax Free Cash, Payday One, Sonic Cash, Money Tree, Egg Loan, Cash Net USA, 500 Cash, Speedy Cash, Fast Cash, Check Cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loan, Allied Cash, Cash America Pawn, Super Pawn or any company-owned Mr. Payroll locations. “You” or “Your” means as a participant in or as a user of the products and/ or services offered by a Cash Advance Related Company

 THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS, LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

Yours sincerely

Collections & Legal Department

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