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Posted: Thu Mar 23, 2006 4:46 pm Subject: PAA Advance

I've had good luck with these guys, until I sent them an e-mail the other day..To find out exactly what my balance was, and to make arrangements to pay it off on April 15 in exchange for them to not take a fee April 1. They've done it for me before.

Well, he has not got back to me yet. I am in "one of those moods today." and was really irritated that he had not contacted me back yet. It's been 2 days.

So I wrote back today and said,

"I do not appreciate being ignored by your company. If I do not hear back within 24 hours I will consider my account paid in full and will not authorize any deductions from your company.

Ohio law states that the interest on a payday loan may not exceed 5% plus $5 for each $50 loaned. On a $200 loan, the fees should be no more than $30. So I have over paid. I'm not asking for a refund, but I am asking to close my account.

If you are willing to make payment arrangements for April 15, I will pay the $260 I contracted with you to pay. If I do not hear back from you in 24 hours, my offer will be retracted and no payments will be authorized by me."

I just got so bold...lol

Posted: Thu Mar 23, 2006 4:59 pm Subject:

way to go jessi. I am proud

Posted: Thu Mar 23, 2006 5:10 pm Subject:

you go girl!

Posted: Thu Mar 23, 2006 6:13 pm Subject:

I'm just tired of it all. Could be PMS, but that's another story all together...lol

I'm just not in the mood to be ignored, and I won't be. I'll know more in 24 hours. That's his deadline..

Posted: Thu Mar 23, 2006 6:15 pm Subject:

Damn! They will have to respond to that one!! I'm glad to see that you are telling them what's up. Good for you!!

~Mary

Posted: Thu Mar 23, 2006 6:18 pm Subject:

way to go jessi!! lol

Posted: Thu Mar 23, 2006 7:15 pm Subject:

I'm not in the mood for any funny business....lol

Posted: Fri Mar 24, 2006 3:52 pm Subject:

Go get 'em Smile

~Mary

Posted: Fri Mar 24, 2006 4:02 pm Subject:

He wrote back today, and said I could pay it off in 2 payments by mail.

So that's helpful..lol

Posted: Fri Mar 24, 2006 4:03 pm Subject:

LOL! Guess you lit a fire under his butt...heheh

~Mary

Posted: Fri Mar 24, 2006 4:08 pm Subject:

He didn't seem happy with me...lol But he knows that he really has no choice.

I haven't heard back from JD Marketing though...I don't want to call though, cuz I'm kinda scared to..lol I need someone to pretend to be me...lol

Posted: Fri Mar 24, 2006 4:21 pm Subject:

I'd say have Ari do it..LOL...I think she would handle it quite nicely!!

~Mary

Guest · Posted: Sat Mar 25, 2006 7:35 pm Subject:

Ya, way to go Jessi, I'm very proud of you as well. You're all over these forums, and fighting with all these lenders. You're great. I hope all people that need credit councelling read your posts so they to can try to scam the lenders out of money that you sign a contract for and agreed to pay back with interest incured.
You are truly my hero, I hope my kids grow up to be just like you.
lol, thanks for all your inspiring words.

Posted: Sun Mar 26, 2006 8:16 am Subject:

What a coincidence, Guest. You're my hero too--Hiding behind your computer screen.

I HAVE paid back more than is legal in my state. Had I KNOWN what was legal at the time I took out these loans, I wouldn't have taken them. Same for everyone else who is in this situation.

And obviously these lenders know what they are doing is wrong, or they would have a leg to stand on when someone calls them on what they're doing.

Go ahead, make another comment. You're good entertainment.

Posted: Sun Mar 26, 2006 8:19 am Subject:

I would be happy to step up to the plate for you Jessi! After all, we had some good times busting on Protocol! That was so much fun! So, want me to call this clown and say that I'm your lawyer? I could catch him completely with his pants down making a big fdcpa blunder, then heads will roll!

Posted: Sun Mar 26, 2006 8:21 am Subject:

Sometimes I read too fast. You would like me to call them pretending to be you and kick some a$$? I could do that! Have they heard your voice before?

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