shazzers, i am a fellow buckeye and need to know which of these lenders are "legal" in our state:Â cashcure, cashnetusa, checkngo (installment loan), sureadvance, mypaydayloan, cashcall, checkintocash...all are .com loans...thank you very much
I noticed that you are located in Ohio and I was wondering if you could find the corporate office number for Easy Money Cash Center. I was told that the corporate office is in Ohio. I was trying to enrol in the EPP with Easy Money and was told my check had to bounce before they would offer the EPP. So I wanted to call them and find out if thats true.
I received a phone call from an IEVOLVE, INC, I’m not sure who they are, but by searching the internet number it seems they are connected to CashNet, USA, one of the creditors I listed when I filed for a CHPT 13 bankruptcy. My case just started, but it has been filed. I have sent my attourny this information as well, just wabted to get another opinion. The man said something about check fraud against my Chase account, I have not heard from CashNet since 2006 and when I dealt with them I was with Bank of America, not Chase. He also left no reference number. The number he gave me was 888-665-2813 ext 601, John Alt was the name and the number on the caller ID is 716-929-7560. This person called my work yesterday and today and left a voicemail; I was not in the office to receive the call. I have not returned the call either.he also called the reference person I used at the time. What is your opinion on this situation?
Hi Shazzers, I'm from Mississippi and I'm having trouble with illegal PDLs. and I was wondering when is it that you send the letters to revoke the ACH transaction, before or after you close your account? How do you go to your bank and tell them that these charges are fraudulent? My paychecks are direct deposited, how do I handle that? What about calls to my employer, after I've asked them not to call in the letter? How do you handle that? I'm new to the site and I've read many of the posts, but I'm just not sure where to start and I have two more transaction coming out tomorrow. I need help before they wipe me out.
Hi Shazzers, I am from Missouri and have a payday loan with mycashnow and was told that they are legal in Missouri, when I put that name in the Missouri site to find a license it does not come up with one. So, can you tell me if they are legal or not? Also, for the ones that are legal is there a template letter to send them to apply for the extended payments and to let them know you have closed your account because of the illegal ones? Thanks
Hi Shazzers!!! I have file for chapter 13 bankruptcy got my case number. I have a illegal payday loan with everest cash advance I put them in my filing but gave my attorney the US address I find on the bbb website. Should I give him the Nelvis West Indies address I found on this great website, My 341 Creditors Meeting is the last week of March I want my attorney and trustee to have the correct address. I have already close my bank account went to a new bank.Everest sent me email about not receiving their payment I email them my chapter 13 filing my attorney name and case number yesterday.Hope they leave me alone now.
Hi Shazzers,
After reading your sheet to send to PDL. How do you know if there legit or illegal?
I have a company Gov Emp Loan that sent a loan but not any payment schedule. There interest is outrageus. I live in Missouri can you help me?
Topcat
Hi Shazzers, Im new to the forum. i posted a message regarding my PDLs. I wanted to know if any are legal in TN and if actually paying them even more money with the debt management program is a good idea. most of them have had way over the initial amount borrowed. Also i was worried about the wage assignment issue. From what i have read in my loan paperwork none of them refer to it they all state that if they get NSF or returns on ACH they will isuue paper checks. Im closing my acccount tomorrow so they wont be able to do that. PDY is the only one that has never sent me loan paperwork. do i need to do anything ? if so what? thanks so much. this forum is wonderful im so glad i found it and for all the great info
Hi Shazzers,
I posted a thread on January 3, 2011 needing help regarding my overwhelming PDL debt. You replied asking for additional information. Now when I try to find the thread I can't find it anymore. Could you please contact me or forward me the thread. I am listed as bonitadonita from CA
I seen a previous post that you stated online lenders are illegal in the state of Ohio. I currently have two loans outstanding. One with CashNet USA and one with Think Cash, formerly First Bank of Deleware. What can I do to get rid of these without payong the ridiculous charges?
Hi Shazzers. I had posted a message the other day about getting a call from a Terry Johnson at Bryon Keith and Associates about a "possible fraud" case against me. I don't think this guy is legitimate but was trying to double check. You had asked that I let you know the names of the internet payday loans I had and you would check to see if they were legal in the State of Missouri. I was wondering if you had a chance to do that? The name of my post was Is United Legal Back again? As you will see, these loans are very old so without requesting a copy of my bank statement, I do not know too many exact figures. Like I said, I don't think I probably need to call him back but wanted to check. Thank you.
Shazzers, hi there. I'm in a bind and in need of some help here. I've got seven outstanding PDLs and I live in New York. Three of them contacted me after I shut down my account and stated their state laws (Utah and Delaware) override my state PDL laws (New York) What do I do?? I sent e-mails to all but one of them with the template letter, but two of them completely disregarded it. What do I do next?? I have agreed to reduced payments with the three but I need to head the other four off at the pass until I'm able to repay them.
Please see my thread at your earliest convience I am in desperate need of advice on how to proceed with my pdl's. Both illegal and legal. Debating on closing my checking account, but scared that it will be reopened if I do so and charged against still....
[url]http://www.debtconsolidationcare.com/forums/showthread.php?t=84008&highlight=payday+loans[/url]
Please help any information is appreciated! I want to try to avoid defaulting on the loans!
Elle:confused:
Shazzers,
Thank you for Pm'ing Skydivr for me about 1000 Cash Overnight.com. I have sent over the requested information through a PM but has of yet to hear if Skydivr has recieved it. I know Skydivr is busy so should I just assume I need to take what I have and go to court and tell the judge what I have as far as payday loans in California and the amount I have paid?
Thanks gain for all your help,
Mr. California
I would like to practice what I am going to say to the judge before the court date but was hoping Skydivr would have some additional informatiom gor me.
Hello, I was wondering if you know an easy way to find the ILLEGAL cso/payday lenders in the state of Texas. I believe that in order to find the LEGAL payday lenders/cso's in the state of Texas, a person has to see if the business is registered with the secretary of state, but I am not sure how to find list of the ILLEGAL lenders. I appreciate any help you might be able to offer me.
[EMAIL="cheapcars11@yahoo.com"]cheapcars11@yahoo.com[/EMAIL]
hello shazzers..i need some help.
i am from california. and i have like 7 payday loans that are past due..i lost my job and have no way of paying them..they are all either threatening to take me to collections or garnish my wages..i am so stressed.
the companys are:
zip19
cashnetusa
greatskycash
speedycash
moneytree
acecash
can this effect my credit at all..can they take me to court???
Thanks for the PDL letter you posted on 7/14. I have started to use it with some of my mom's problems. I had my wife (an attorney) review the loan document with PayCheckToday.com and she noted that in the contract PayCheckToday retains the right to share personal information. To your letter, I added this section:
"I also want you to provide a summary of all personal information retained. In regards to that data, I request that you remove any of that information from your database and I revoke any authorization to share that personal information."
Thanks for your time and advice,
Dumbfounded
Shazzers can u give me some advice on theses companies please I am in California. Ace Cash Express located in Irving Tx Has called my employer the head of our department. The Rep called me to verify the # under false pretenses I thought she was a customer. I called and spoke with her she stated she didn't call. I attempted to request a settlement of $150 07/14 and $150 07/21 The rep stated that was to far away and she was sending my file to the next level. They are horrible and wont work with me. I am scared they have filed a garnishment. I have 5 PDL's Can they all garnish at the same time?
Thanks
I see you are from Ohio so I was hoping you could help. I have numerous payday loans out - cashnetusa, paydayone, checkngo, checkintocash, eastsidelenders, etc, and also my bank is Fifth Third which has early access just like a payday loan. I want to just close out my account but I doubt I could till I at least paid what I owe them. I would be willing to do that just to close but I don't know what repercussion I will deal with the online loan places. I am drowning. I have a car payment, rent and at this point cannot pay my monthly utility bills. I'm way negative each month. I accept my fault but once you start a payday loan it doesn't seem you can get out unless you have extra coming in...If you have any advice please email me...jeslinc77@msn.com Thanks, Jes
Shazzers, thanks for your help. I think that Kingston, QXLonline and QLoot are all overseas, along with paydayloanyes and instantcashusa. Not sure if they even have a usa address. I was going to send them money orders but I don't want to sent it overseas
Just stopping by to say HI and to thank you for what you are doing...I dont know if you can ever hear it enough; I know everyone hear breathes a sigh of relief when they see your name answering a question!
Hi Shazzers. This is meircats. I was wondering about 1099s and the encash Dtcc payments. I have never recieved any. I have donated all of mine, but I was wondering...do the members that recieve cash payouts from the forum recieve 1099s to show payments meted out during the past yr.?
Ive noticed you have helped alot of people with their questions do you think you can help me please i have a loan with paydaymax for 710 and now credit protection depot is calling me sayung i owe 1400 and they want the first payment on 12/18 i live in california can you please help me im desperate
Hello, I JUST came across this website but unfortunately dealt with Kingston Financial and they have not only taken over $500 to repay a $200 loan, but they have cost me an addition $500 in overdraft fees which I will have to take up with my bank. I can't seem to find an email address for them OR a good address. And even tho they are registered wth the BBB in Utah, they're DEFINITELY in England!!! So am I correct in assuming that they are NOT legal to do loans over here? I'm in PA and can't even find the actual LAWS on PDLs and just need some help. Could you please email me at [email]Skeeterina@aol.com[/email] for help?? Thank you
"As a consumer, you have the right to revoke a wage assignment and ANY and ALL debits on your account as long as you make payment arrangements with a legal lender"can you explain this a bit for me? when you say a legal lender? My lender is illegal in my state , if they do not give me a zero balance, can I forward payments to Americash Advance of my own free will in the form of money order ? Are they allowed to keep charging me 20 dollars on every hundred once I choose to not let them authorize the debit. Meaning, in the year 2011, will I look on my credit report and see a debt to Americash Advance in the amount of like 4,000??Shazzers, I see that you are a moderator, could you just send me a message with the exact steps i have to do today to cover my bases. I'm sorry, I have ADHD, and going back and forth from post to post is confusing me. I'm sorry to keep asking the same ? over and over.
I googled my e-mail (panddmcarthy) and ALL my posts showed up from here. No one knows I was so stupid to take out these loans. How do I delete my posts so there's no pdl trail? Also, I shudder that my other pdls have read my posts.....
you had your break.camping with hubby.listening to the wildlife.the coyotes,owls,bears.sitting by the fire.c,mon now.this is not that bad really.also the rattle snakes.
Pay whatever it was you borrowed, less any and all payments you have made toward these loans. Your state law prevails, they will harass you, but ignore their threats. CLICK HERE to find out how to deal with illegal lenders.
Thanks.... My employers fax does not imprint the fax number nor the company name. Also, it's in my office exclusively. I sent the e-mails from home. I wanted to have proof that I sent C
Hope you are doing well. What do you think of this response that BBB of Tulsa, OK received from Ameriloan. Also received the same response from 500 FastCash. I am trying to get refund and/or PIF.start of business message07/23/2009 Receive Business Response --------------------------------------------------------------------------------To Whom It May Concern:We recognize this complaint as a RESPONSE to a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter Talk about canned responseWhat do you think
Hi Shazzers, Thanks for being ther and hope your get away was enjoyable. Looking at some posts I bet you need this information:I live in California and have only internet loans. They are:Midland Financial for 300, paid 720Emerald Financial 300, paid 720PDL Loan centers (Rocky Boy) for 400, paid 240Cash Jar for 300, paid 270Geneva Roth Capital (Loan Point) for 600, paid 540RBT Loans (Another Rocky Boy) for 400, paid 120Cash Advance Network for 300, paid 270Payday Wiz for 300, paid 90ACC Funding (A.K.A. The Cash Spot) for 400, paid 100ACE Cash Services (Not the store front people) for 300, paid 90FBD Loans (First Bank of Delaware) for 600, paid 993BPayday loans for 400, paid 120.I have closed the bank account (Wells Fargo) and they assured me that the account will not be forced open by the PDL trying to draft again. I am getting the calls already and am not sure what to do.Please help me soon as I need to answer my phone from these people and tell them something, and get the letters going.Thanks,Ecoguy777
Hi Shazzers,I am new and need help getting started. I have 15 internet PDL's in the state of California. I can send the amounts if you want. I have posted but had no answers. Can you help direct me? You seem to be an expert inthis area.Thanks,Ecoguy777
I hope you read this and can understand what I am writing. It is about the web site. Under the section Payday Loan Help forum, in a heading titled "what happens if I don't pay the payday loans", there are 24 pages of comments. Pages 18 through 24 are all jokes and I feel they should be deleted or moved. When I am looking for answers to a problem, I don't really want to read line after line of jokes. Now I do see that someone on page 24 told them to tell their jokes on another page but I think the ones already there should be moved. Sorry to be a complainer but this is serious business. Do you have people who disrupt this site. I know of another page where all the last responses are in Russian or some other slavic language so don't know what is being contributed.
Hi Shazzers. I am new and you seem to know the most. I have 15 PDLs out and have closed bank account and am beginning to get the calls. I will send the letters, etc.How can I find if they are illegal in California? ALso, I notice that many people on the forum are saying that even after C and D letters, they still get calls at work, etc. What can one do about that. ALso, what can I expect as I go into this consolidation/settlement vwnture?Thanks,Ecoguy
I mentioned that I had taken out the pdls a year ago not my post.The collection agencies are trying to get a hold of me and harrasing and threatening me and incresing the loan amount,I took out a year ago.
Thanks for responding, with PayDay One, since I have paid $1376.16 already in less than 7 months and STILL owe the original $1000.00 i borrowed would I still owe them the complete amount? Isn't there some kind of cap on finance charges in Texas, because at this point I have paid back the loan plus $376.16, isn't that enough? Also, I cannot find any links that successfully give me information regarding Paragon Funding and if they are licensed in Texas. Any help would be appreciated.
One click cash and 500fastcash are definitely illegal. You can revoke their right to debit your account but they won't abide by it, the best thing you can do for yourself is to close out your account and open a new one at a totally different bank. If you are dead set on not closing your account then go into the bank and speak with the branch manager, tell them there has been some illegal transactions on your account and you need to place a hard debit block on it until you can get it worked out, tell them you are getting your attorney general involved, then file a complaint!
Sorry to be a bother - here is another letter I got from banking and finance - its a copy of what was sent to the PDLS as I listed earlier. The NE dept of B
I typed this letter once - don't know where it went toPDLS EzPayDaycash, MyCashNow, 500FastCash, PayDayMax and AmeriloanThe department is currently investigating the above named companies as they do not currently hold a license in NE. It goes on to say that I should close my account aand I can dispute charges withdrawn in the last sixty days. Also should file with BB and the state Attorney General of that state.Does this sound like help for me.
One PDL is in BC - should I wait until I think the PDLS have got their letters and send e-mails saying no more money is coming and please refund excess monies/or a PIF.
Hello, thanks for responding - I just cry and cry over this - Have yu been in this mess - I filed papers with NE Bank and Finance - it doesn't sound hopeful with them - but will wait for letter - I owe Amerilaon, My Cash Now, 500 FastCash, PayDayMax and EZPayDayCash. I have gone over a lot of bank statements - I have paid these companies principal and interest many times over - what is next
Hello, I have been reading this site since May 30. You have a lot of good answers. Its not that I don't want to pay back what I borrowed, but the interest is killing me. EZPayDayCash belongs to CFSA. Do that make them legal. Do I pay back the entire amount.
If the shop was close enough I'd have my friend go there and see if the car was for sale and if it had been repaired. Try and find out if its on the upnup.
Is it a good idea to send wage assignment revocation even if you don't have any wage assignments just to make sure payroll doesn't process any? wouldn't my payroll let me know if they got a wayg assignment form before they processed it from my pay? Not sure if I should send them a blanket I don't approve any wage assignments since I just started this process.....
Hi, I have used your template for sending letters to my pdl lenders and my bank revoking ACH debits. However I am currently unemployed ( and have been since september) Instead of the whole wage assignments business, should I refer to my wages from unemployment? Thank you for your help!
I also have a question I am a little confused about the info I will be putting in my letter. For example for TJF I borrowed $300 i have paid $810 to date. My resposibility should have been $315 right? I am in CA.
I am a little confused about this online payday loans. Unfortunately, I am in TN which allows this type of lending, and I have 2 accounts, one with Integrity Advance and the other with Outback Bucks. Each one is hitting my account for $90 every two weeks ($180 for each/$360 a month for both). I'm math challenged, so am trying to figure out if this exceeds the amount legally allowed to charge for this. Also, I have tried to pay them in installments, but they want the whole $300 at once, or they will continue to hit my account every two weeks....which basically makes it impossible to pay either one back. Any suggestions/ideas?
hiya shaz!Hey, not too long back, I asked for moderator help because of a lawyer soliciting on here. A link to a post of hers that you moderated:http://www.debtconsolidationcare.com/forums/mitchellnkay-13.htmlWell, the same person is at it again. New screen name is 'attorney'. So far has two posts and both are solicitations, I posted in both of them. Here is a link to her posts:http://www.debtconsolidationcare.com/attorney/myposts.htmlI just wanted to pass it along since this attorney obviously doesnt care about acting in an ethical manner. Thanks!
Thanks so much for your reply to my urgent, desperate thread! How can I tell if a PDL company is a CSO? And, how do I approach an illegal company vs. a legal?
Hi Shazzers, thanks so much for your quick response. Just a few questions regarding revoking their ACH rights. SO just to confirm, does revoking their ACH rights just consist of me putting the request for them not to debit my account in my own words?? Also, you stated to show a copy of this to my bank. Is there any specific request that I need to make at the bank regarding my acct. to keep the loans from going thru?
I am new to the website and cannot get ahold of anyone to help me understand how to post my questions. Can u help with that and possibly help me go through the proces of settling my PDL's on my own?
Hi Shazzers,Would I be able to remove my email address from my sign in name? Tried to edit it but couldn't.Been fuming over what B. of America did to me. Really unfair...Thanks
Shazzers, do you know how I can change my userid. I'm paranoid about the PDL's finding out who i am. Thanks, raegreen54 is my user ID (same as the email all the PDL's have)
I need help. I was trying to contact a2bcash to pay off my loan but I can't seem to login online or get an aswer on the phone. Any assistance is helpful.
yes i defaulted on the 3 remaining. i just could not do it anymore. i live in arizona. i will have to check to see if checksmart is a member of the CFSA. the man i talked to was sooooo mean.
Hello, I apologize for bothering you in advance. Would you mind removing the company's name in a post I made with the subject line :"Mutual Release"? Thank you!
Thank you for your help! I have closed my bank account and sent letters via email to all but one of the companies. I also filed complaints and enclosed them in the email. Again thank you!!!
Thank you Shazzers.. if you wouldn't mind send me those email addresses and I will write them and see if they can help me. I plan on calling the fraud department back tomorrow. They told me today they couldn't help me while the debits were still pending .. I have to wait until they get returned tomorrow. Thank you, Timothy
Ok I saved the document in word and I can see the active likns. However, when I copy paste it as if I was going to reply to someone do I have to submit it and then hit edit. I dont see how to edit before I submit.
Rhode island allows an Internet based payday loan company to lend legally as long as it is licensed in any US State. They would need to follow the laws of the state they are licensed out of, not the state the consumer is in.
Hi Shazzers... Can I ask you a favor?? I would like to change my name on my account here and I cannot figure out how to do that?? I have gone to my profile and it will not save the new user name I put in....I just thought I would ask a pro like you on here before I create a whole new account. Thank you so much!!
i deleted removed from the great forum thread.hope you don't mind.that dullard was on before.same schpiel,your right it is offensive and doesn't belong.
I think that at this point since I have been served a summons it would be a waste of time to send in payments to Chase. I spoke with someone at Mann Bracken today (very nice man). We discussed my payment options and he said that he will contact Chase, he may be able to get better terms that I can agree to.
I'm in NC I had a pdl with mycashnow, who has sold this debt to NCA (national creit adjusters) I need to know the validity of collection in NC for a pdl. Do you know if I can repay the principle amount directly to the company. I've found horror stories online about this NCA and want to take care of the situation as quietly as possible but don't know what to do.
Unfortunately I didnt read the fine print all the way, but I took out an online payday loan and what I agreed to was that at anytime after default they can take the full amount I owe from my check, so by electronically signing that agreement does that give the PDL comany the authority to bypass any wage garnishment laws set by the state?
The payment was made to Chase. The provided proper validation and the amount owed matches my records. Chase still owns the account, it was not sold to Mann Bracken. That's the first question I ask every time I call them. I have called them many times to negotiate paying them directly, the keep referring me to Mann Bracken.
jennycococure, I must have missed that one, I know little or nothing about that subject, keep checking back I am sure someone will be able to advise you.
I live in Maryland.The pdls I have are with:United Cash loans-$300/pd $90 (renewal fee)PDL loan center-$300/ $90 renewal due 12/5Integrity Advance-$400/pd $880 ($110 due 11/28)
please i need your help i have the same problem with payday loans need to see which one are legal in florida and how i take care of my account so they cant debit it anymore...i m broke....how i take care of the loans
can you please send me the laws for the state of Ohio and the sample letter I'm to send my olpdllenders, also is magnum funding legal in ohio? I know you given this before but I can't locate it now
Hi there Dawn, I'm not sure about your email but I will shoot a PM to Denny and let him know of the problems you are having. Is this a store front lender you are referring to Dawn?
They're illegal, they want to keep you in the cycle, more money for them, I would make payments via USPS with money orders, pay off the principal amount, then tell them to stuff it! lol They're unlicensed/illegal to lend in any state in the US.
I sure would like to have a copy of that Buckeye, I'm going to post my email temporarily, I'll take it down tonight, would you mind emailing it to me?? s.dean739 (a) yahoo.com THANKS!!
Took your advice and joined.Thanks for the info. Should I just money gram payments that I can afford until paid or just not pay? I just worry because I have never dealt with this before.
Dawn, I wish you would join so I could send you a PM. I would send them back an email that says this: Please note; I am not a resident of Malta, have never prescribed to be a resident of Malta, and have no Malta presence, as such am not subject to the Malta laws you detail, have a nice day!
Zip19.com is forwarding loans to its customers through Northway Financial Corporation Ltd. which in turn is a financial institution lending money online to the customers of North America and Europe. Northway Financial Corp Ltd. operates under the supervision of MFSA (Malta Financial Services Authority) and thus is regulated by the laws of Malta. NO, they are not legal, and NO, you are not bound by their laws.
PLEASE GIVE ME SOME FEEDBACK ON MY THREAD of HELP in PA....You were so helpful, but I haven't heard from you in a few days and I really need some feedback...Wanted to update you on my progress. I have closed my bank account. I have printed the current balances/payments due/contact info on each of my lenders. I have written letters to both the legal and illegal lenders. My payments are all due on 10/10, so I am sending the letters first thing that morning. Am I doing the right thing? Also, I cannot find definite info on SIGN MY LOAN or LOANPOINT/GENEVA on this site. I have emailed both asking for their state of origin and license info. I got an immediate email from Geneva saying that I should contact customer service. Hmmm...advice anyone?!?! I am running blind here and would like some feedback PLEASE!!! Scared in PA!
Oh my gosh Buckeye, thanks so much for letting me know! I am still dealing with them, trying to find a loophole somewhere so I can sue their pants off!
Thank you for the information.I have one additional question. Because payday loans are prohibited in NJ, does this mean the signed agreement in null and void?
Hey,I see that you have helped a lot of people on here. I'm having problems with payday loan companies as well. I borrowed 200 hundred dollars from one company and I've paid at least 400 back already. I've overpaid. One has sent me to a company called AIS Services could you please help me?
You wrote: "Why does anyone care who the owner of this website is affiliated with? After all, it IS his website, and who are we to question whom he chooses to associate with? I come here to help people, how the site owner chooses to run it isn't for me to decide or judge. I am not understanding why everyone is being so negative. Do you people own stock in this site, are you paying money out of your pocket to maintain it? Enlighten me"Just think everyone should know that there is an affiliation between this site and one of the settlement companies that it pushes. Full disclosure and ethics is always nice and any possible conflict of interest is even nicer. I don't care who owns what but I would care if I found out after the fact, that there was a conflct of interest in information being distributed to the site. Think the easiest way to resolve any criticism, is to just advertise that the site is affiliated with the group and endorse it on those terms. Trying to deney affiliations at this point in time shows a real lack of credibility for the whole site. Rather than trying to cover it all up, advertise it.......Trying to hide it now is a waste of energy.... polly explained it to the site over a year ago.....http://www.debtconsolidationcare.com/pollyandsay/exciting-project.html
thankyou so much for your help, you seem to know alot about these crazy things. I am wondering for example you mentioned the ameriloan is not legal in mich, now do i call them directly and tell them or send them something, any suggestions?i will just do my best to look into the others, ty againwendy
Hi Shazzers, there have been some developments in my ongoing PDL nightmare - would you mind checking my thread (seven PDLs, account closed by NJ Troubled) as no one has replied lately and the going's getting tougher.Thanks, chroma601 (was NJ Troubled)
hi shazzers, i live in the state of mass. and although it is prohibited (pdl) would i be able to use this letter as all of my pdl were through the internet.
they have started calling me today. Not only that but now they are telling me that I owe them over 300 and they are still charging me the 60 fee but since they cant take it out of my closed account they are just adding it on to the bill. When I tell them I am sending a money order they tell me that they only accept check, credit card, debit card, or money order. What do I do now?
This might be a dumb questions but what do I do or where do I go to files those complaints. And am I going to be in any legal trouble since I did sing their documents on line?
well,you stated this will be the lastcourt date for this,so i suspect that they will be dismissed with prejudice.still would look into the bar association like sky suggested.spring it on them at the court datewouldn't that be something LOL.
OneClickCash replied to my email letter with the following..Your account will need to be paid in full or the debit will continue until your loan is paid in full. We are an online payday loan company located in NE. You signed the contract and agreed to the terms of this loan. Your current balance is $260.00. Your next due date is 2008-08-08 for $60.00.I borrowed 200 have paid 180.What do I do now?
I have emailed all of the companies with the following To whom it may concern at 500fastcash.com I am sending you this e-mail to inform you of the following: I have discovered that your company is not licensed and is not legal in the state of Michigan. As of 08/06/08 I am revoking any and all ACH authorization and transactions made by your company to my account. I will be filing a complaint with the FTC, Michigan Attorney General and the BBB. I forbid you to make any further communication with me other than through USPS or email. I also forbid and revoke authorization for you to contact my employer, my place of employment, references, family, and or friends. My checking account is now closed. I have paid you over the amount borrowed and as I see it you are paid in full. ------------------------------------------------------ I also contacted my bank about closing my checking account. I spoke with one of the companies and they said if they do not rec'v payment on Friday they will immediately send me to collections. Can they do that? Is there anything else I need to do right now? Should I contact all companies by phone to let them know my account is closed?
Shazzers, can you tell me how can I change my username? It just hit me that CashnetUsa can be in on this, and they'll see what I'm writing! Darnit, I can't think straight..thanks.
Hey Shazzers! How the heck have you been? Congratulations on your becoming a modrator! I think I missed that while I was away for those few weeks in June!
aganon48, the only suggestion I can give you is to call your bank, ask to speak to the Branch Manager, and explain that you need the name of the processor that processed transaction made my Northway. That's really the only sure way to get the correct processor. Unless another member posted it somewhere in the forum, which can be searched in the search box located in the upper right hand corner of the forum. Good luck!
People claim that you are the most knowledgeable person on this site. Correct me if I am wrong, but this site is a community - you can't use them for debt settlement can you?And what is the difference between settlement and consolidation... or is there one?
ok, so back in February I started dealing with ACH transfers/pay day loans. I have two left..what kind of steps do I need to take with the last two? they are: the cashspot.com and achloan.com . I am in Ohio...I am going to my bank tomorrow to stop payment and ask for processor names. What do I do after that? Please help...I've overpaid by alot, I think
Hey Shazzers! I'm back and doing OK! Hope you have been OK!Are you still dealing with your court nightmare? I haven't had a chance to go through all the posts in the forum to find that one you had. I hope it's working out better for you!
Hello Shazz Can you remove my personal info on my thread for me. Goofed and forgot to delete it out. It is on page 3 of the following thread in a letter. Thank in advance!http://www.debtconsolidationcare.com/paydayloan/pdl-overpaid.html
Shazzers, The collection agency Lighthouse recovery asscioation claaed me tonight and said that they were going to send someone to my job tomorrow and they will have a form for them to sign and give back,can they do this?I certainly do not want them to bother my employers ,I did join pdl assistance and was told it would take a while for them to get enough of a stake to make any kind of payment to any of my pdls. I dont think I can wait that long. again, thank you for your help, joe
jc, just click on the reply button at the bottom of the thread, or you can send me a PM if you like, just click on my 'PM' button near the botom of my name. :)
Whirlypops I wish you would post questions at the forum, I need a little reminder about your situation. It's hard for me to remember each persons particular situation. lol
Hi Mandy, please start a thread in the payday loan forum, we can help you! I can't really contact you right now because you aren't a member. It's free and well worth your time to do so!
hi, is there anyway you can send me a copy of the leetr you sent to the judge to vacate the judegement. to tvrsir@yahoo.com i really need your help thanks
Shazzers!Thanks for the kind words! I do what I can to help where I can.My PC's been down for about a week. I finally got it back up and running today.
You're welcome! After what I've been through and reading about other horror stories here...I'm on a mission to put as many of these sharks out of business and help others in the process. This site is a Godsend!
shazzers, i am a fellow buckeye and need to know which of these lenders are "legal" in our state:Â cashcure, cashnetusa, checkngo (installment loan), sureadvance, mypaydayloan, cashcall, checkintocash...all are .com loans...thank you very much