Consumer complaint received 02-04-2016 about Debt collection (Payday loan) with ZARVAD III S.A. (RI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have paid these people a lot more money back than the original loan was made for.I have asked them to stop phone calls and communicate thru USPS mail only but they have refused to do this as per the attached emails from them. Under the Fair Debt Collection Act they are supposed to respect my wishes but they choose not to. Thier interest rate is INCREDIBLE and I explained I can not pay any more money to them. Please read their responses to my emails : XXXX : You have n't scheduled your payment yet, please reply back to assist you. 


RE : You have n't scheduled your payment yet, please reply back to assist you. 
Mypaydayloan.com Add to contacts XXXX Keep this message at the top of your inbox To : XXXX XXXX, We are not able to cease collections activity, unless I have a payment scheduled for you. I have made notes of our conversations, but unfortunately, I will not be able to stop calls or emails, until we have something set up for you. 
As the original creditor from which you took funds, we will continue to attempt to recover those funds until payment in full is received, as I have already advised you. Your options for repayment have been presented to you. 


Thank you, XXXX From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX To : Mypaydayloan.com Subject : FW : You have n't scheduled your payment yet, please reply back to assist you. 

ONCE AGAIN ... .READ MY REPLIES!! NO MORE PHONE CALLS OR I WILL REPORT YOU TO THE FTC AND MY ATTORNEY GENERAL. CONTACT ME ONLY BY MAIL PLEASE. I HAVE NO MONEY TO PAY ANYMORE AND I HAVE PAID YOU BACK PLENTY OF MONEY COMPARED TO ORIGINAL LOAN AMOUNT. MY LAST RESPONSE TO YOU ON THIS MATTER. ABIDE BY THE LAW AND MY RIGHTS UNDER THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT. 


XXXX XXXX From : XXXXXXXXXXXX To : collections @ mypaydayloan.com Subject : RE : You have n't scheduled your payment yet, please reply back to assist you. 
Date : Fri, XXXX XXXX 2016 XXXX XXXX In that case I shall report your company to the FTC about your high interest rates and not respecting the consumers wishes to not be harassed with phone calls and emails. I will forward your emails to the FTC and show them you do not follow their rules about stooping contact with consumers when they request that you do.. My final word on this matter. 


XXXX XXXX From : XXXX To : XXXXXXXXXXXX XXXX : RE : You have n't scheduled your payment yet, please reply back to assist you. 
Date : Fri, XXXX XXXX 2016 XXXX XXXX XXXX, We are sorry to hear that, unforutnately, there is nothing else we could do to help. 
The account will remain on the email and calling list, where collection procedures will continue for a alloted time while it is in default. Once that time has expired it will be forwarded to a collection agency where it will be charged additional default fees. 

Thank you, XXXX From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Sent : Friday, XXXX XXXX, 2016 XXXX To : Mypaydayloan.com Subject : RE : You have n't scheduled your payment yet, please reply back to assist you. 

No sorry, I am broke. Please do not call or email me or any person associated with me anymore about this loan in accordance with the " Fair Debt Collection Practices Act ''. 

Thank You, XXXX XXXX From : XXXX To : XXXXXXXXXXXX Subject : RE : You have n't scheduled your payment yet, please reply back to assist you. 
Date : Fri, XXXX XXXX 2016 XXXX XXXX Hello XXXX, Thank you for the reply back. The balance is {$550.00}, minimum due is {$250.00} and next due date is XXXX. Please remember this is not an installment loan ; it 's a 2 weeks check advance and meant to be paid in full on your next payday. 


Do you want to schedule at least the minimum due for XXXX? 



Thank you, XXXX From : XXXX XXXX [ XXXXXXXXXXXX ] Sent : Friday, XXXX XXXX, 2016 XXXX To : XXXX

Company response to consumer: Closed with explanation