| Message |
Author |
 Posted: Thu Sep 06, 2007 4:49 pm |
|
|
I have a question - I have two payday loans out there and I can not contact either of them to get this paid off. I borrowed 300 from each. One of them I have paid back 540.00 already and the other I have paid 450.00 from having them debit my checking every 2 weeks. I need help locating them for this to stop. I have paid these scum suckers enough. I live in NC and cant locate either of them. One is TJF Corp and the other is ASAP Inc.
How do I get this to stop - Help please!
_________________
Register today to encash debtcc points.
|
|
Rollinon3
Guest
Debtcc Points: 100
|
|
|
| Posted: Thu Sep 06, 2007 5:18 pm |
|
|
Rollin, welcome to the forum. Based on your statement I am assuming these are internet laons? If they are storefront,there is a difference in how you deal with them. I see you told us what state you live in. Here are the laws for your state and a resource web site...
| Quote: | North Carolina - Payday Loan Consumer information
Legal Status: Prohibited
(N.C. Gen. Stat. � 53-281 authorizing payday loans allowed to sunset in 2001)
Citation:
The consumer finance act applies. N.C. Gen. Stat. � 53-173
Small Loan Rate Cap
36% per year
Where to Complain, Get Information:
Regulator: North Carolina Attorney General (See also Commissioner of Banks)
Address: NC Attorney General's Office 9001 Mail Service Center Raleigh, NC 27699-9001
Phone: (919) 716-6400
Fax:
Regulatory Contact:
http://www.ncdoj.com/default.jsp |
Have you closed your account so they can not debit it any longer. If you have not, you need to consider it. Please read this before closing your account ..
www.debtconsolidationcare.com/paydayloan/close-account.html
I searched this site and found this...TJF Corp is is a funding company for BMG (Bahamas Marketing Group. There may be other payday loan companies represented by this funding company, but try this one. The phone number is 1-866-224-8776. I could not find anything on ASAP. There are several here from NC that will help guide you, please do not hesitate to ask if you need it.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
|
|
RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
|
|
|
| Posted: Thu Sep 06, 2007 5:50 pm |
|
|
Rollin, you also might want to register and stick around awhile. It is free and the people here are great. I know the thought of closing your checking account stinks but a word of advice...they will not stop debiting you until you do. You do need to read that link becuase in some states you can get in more trouble if you do. I procrastinated for three weeks and it cost me about 1200.00. (I had seven loans)..Anyway if you need anything just ask.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
|
|
RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
|
|
|
| Posted: Thu Sep 06, 2007 6:05 pm |
|
|
Hi Rollin. Have you tried emailing them. Also, closing your checking account is your best bet. Stop them from getting anymore of your money. You have more than paid them.
|
|
eleroo
Joined: 06 Jun 2007
Posts: 1227
Debtcc Points: 14311
|
|
|
| Posted: Thu Sep 06, 2007 6:19 pm |
|
|
Rollin, sometimes it takes a bit....hang in there.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
|
|
RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
|
|
|
| Posted: Thu Sep 06, 2007 7:52 pm |
|
|
WAIT! STOP! This guests state PROHIBITS pdl's! None. Period. No store front. No internet. Nothing. Prohibited! Guest, you need to close your bank account ASAP to prevent these pdl's from debiting your account any further. Your state prohibits any pdl's. Any money you have paid them should only have gone to the principle amount. Nothing more. Actually, they shouldn't even be lending to residents in your state. Illegal! Please, read the "sticky" at the top of this site page regarding closing your account. You need to do this ASAP. Be very careful regarding closing your account. If you have ANY questions after reading that, post and we can help you. Do not pay them another dime! You have overpaid illegal companies. Please post with any questions. Please.
|
|
cannr
Moderator
Joined: 07 Jun 2007
Posts: 9372
Debtcc Points: 124815
|
|
|
| Posted: Thu Sep 06, 2007 8:07 pm |
|
|
Take Cannr's advice. DO NOT PAY THEM ANOTHER CENT.  From the amounts that you posted that you paid you have overpaid them.
ladybug
|
|
ladybug
Joined: 29 May 2007
Posts: 2760
Debtcc Points: 24778
|
|
|
| Posted: Fri Sep 07, 2007 9:19 am |
|
|
I went to my bank today - (BofA) they connected me to the fraud department. I was instructed to close the account and reopen another one. They assured me they would not charge me if/when the PDL companies attempt to withdrawl money on the account I will be closing. I had to listen to a lecture about how dumb it was for me to have allowed them access like that. But that was worth knowing they would help me and understood what I needed to do to stop this the proper way.
Thanks to everyone who responded - you have really been a blessing to me. I registered for the site - but havent received my password reset yet! I cant wait to get on here as a memember so maybe I can offer assistance also.
Again - thank you all!
Rollin!
_________________
Register today to encash debtcc points.
|
|
Rollinon3
Guest
Debtcc Points: 100
|
|
|
| Posted: Fri Sep 07, 2007 9:23 am |
|
|
Rollin...did you set up an account at the same bank..if so you need to be sureto get in writing if possible that the accounts will in no way be linked. There are several posts regarding B of A and they can be difficult.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
|
|
RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
|
|
|
| Posted: Fri Sep 07, 2007 9:29 am |
|
|
Well welcome and I am sure that you will have plenty of advice to give.
ladybug
_________________
Register today to cash in debtcc points.
|
|
Guest
Debtcc Points: 100
|
|
|
| Posted: Fri Sep 07, 2007 9:41 am |
|
|
removed by goudah
Last edited by goudah2424 on Tue Jul 22, 2008 6:47 am |
|
goudah2424
Moderator
Joined: 31 Oct 2006
Posts: 8007
Debtcc Points: 111673
|
|
|
| Posted: Fri Sep 07, 2007 9:50 am |
|
|
I have not reset up another account yet as I have two transactions that need to post. They said by Tuesday I can do that. They assured me they would not be linked. I will get it in writing though as you said. Good idea. I am just so happy to stop these slugs. I have also filed NC Atty General complaints on each of them. As I am sure I will be getting a call when they attempt to debit my account on my next pay day.
|
|
daveb1092000
Joined: 06 Sep 2007
Posts: 16
Debtcc Points: 375
|
|
|
| Posted: Fri Sep 07, 2007 9:53 am |
|
|
Since you have not set up another account yet, what about going to a completely different bank and starting over...that is usually what is advised by most of the members. That way you can ensure the accounts won't be linked. I have to say I did not and I check every day to be sure everything is as it should be. I do have it in writing but have become very paranoid.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
|
|
RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
|
|
|
| Posted: Fri Sep 07, 2007 10:37 am |
|
|
True - but it's easier to pay my support to my ex via that bank and so on. I dont want to have to change if I dont have too.What a dumb ass I am to have done this to begin with. I am still trying to find the laws showing this is illegal in NC so when they start calling me
|
|
daveb1092000
Joined: 06 Sep 2007
Posts: 16
Debtcc Points: 375
|
|
|
| Posted: Fri Sep 07, 2007 10:44 am |
|
|
OOOOhh. Got it. Well just be sure get it in writing the new account will not be linked with the old. And if you are a dumb a## then the rest of us are because we have done it too. I prefer to think of it a temporary insanty..if it works for ax murderers then it can work for us. Did no one post NC laws for you..you can find them at paydayinfo.org and then click on your state, they will come up.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
|
|
RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4112
Debtcc Points: 11516
|
|
|
| Posted: Fri Sep 07, 2007 10:49 am |
|
|
thanks Roxy! You're the best!
|
|
daveb1092000
Joined: 06 Sep 2007
Posts: 16
Debtcc Points: 375
|
|
|
