Internet's first get-out-of-debt community - 140,000 members

angry little buttercup · Posted: Sat Sep 20, 2008 12:03 pm Subject: Scammers and bottom feeders

This website has been a godsend. I have 2 pdl's with a2bcash.com $200 loan and paid so far $518.00

and loanpointusa.com $300 loan and paid so far $450.00

I have now begun a long process of getting these resolved. I sent out my ACH revocation 9-1-08 and they have still taken monies out of my account. I am really trying to keep a civil thought in my head regarding these people but it is very hard. Especially when I have read some of the stories on here.

I called the bank and put a hold on any ACH that comes from these companies. The girl in customer service was very polite and helpful.
I have also filed a comlaint with the BBB regarding loanpointusa.
I have also filed with my bank and hopefully will get the monies back this week.

Thank God for this website. I would have kept having sleepless nights in California over all this. I am so angry I will be taking out my pms agression on any pdl company that takes advantage of people that just need a little help to get over the hump. You guys are wonderful!!!!!!

Posted: Sat Sep 20, 2008 12:37 pm Subject:

Sounds like you are on the right track! Let us know if you need anymore help!! And good luck!

Posted: Sat Sep 20, 2008 12:55 pm Subject:

Beware that once the PDL places find out that you have blocked them from doing ACH transactions, they will submit a paper check. It is advisable that you close that account.

Joseph Smith · Posted: Sat Sep 20, 2008 1:25 pm Subject: Financial Irresponsibility

I find it funny you had no problems when they deposited the money in your account. I know for a fact you had to sign loan documents which contained the triple digit apr and explanation of fees. Perhaps you're the failure, and you should get your life in order and pay off your debt rather than try and drag an industry down which HELPS responsible people like myself.

Posted: Sat Sep 20, 2008 2:10 pm Subject: reply

sigh..another troll.which illegal pdl do you work for joseph?

Guest · Posted: Sat Sep 20, 2008 2:32 pm Subject:

Does someone have to be a PDL employee to state the facts here? Is it not a fact that the rates and fees were on the loan documents?

Posted: Sat Sep 20, 2008 2:36 pm Subject: reply

no but when joseph who on another thread accused someone of using money to buycrack instead of paying debt.THAT IS A TROLL.if you agree with that,then you are too.

Guest · Posted: Sat Sep 20, 2008 2:37 pm Subject:

Did i say anything about crack in my post here Paul? Please re-read......

Posted: Sat Sep 20, 2008 2:48 pm Subject: reply

no,but he did.tha is guilt by association i'm afraid.those kind of attacks are uncalled for.read my post on the HELP!!! thread.sorry if i ruffled you or joseph's feathers,but the talking down to people is going to stop.

Guest · Posted: Sat Sep 20, 2008 3:45 pm Subject:

Guilt by association? wow-I have no idea who Joseph is....but I am not associated with that person nor am I "guilty" Laughing

And talking down to people by stating that the rates are disclosed on the loan documents? Rolling Eyes

okey dokey....

Posted: Sun Sep 21, 2008 9:52 am Subject: reply

whatever guest.the point is that just about all internet pd's act illegally in some way.for example.in my state of illinois the laws are cut and dried.i had no idea about what the regualtions were.that is up to the lender not the consumer.i got turned down for quite a few because of illinois laws regarding pdl's.question,have you ever had an internet pdl?everyone here has about the same stories.the entire pdl industry needs an overhaul.until then this forum and others like it exist to educate people,because the ipdl industry is nothing short of loansharking.
hope i made the point clear enouh.if not just know your opinion is just that.an opinion.

Guest · Posted: Sun Sep 21, 2008 11:02 am Subject:

Posted: Sun Sep 21, 2008 11:10 am Subject:

Hey guest, there's no need to be condescending, know what I mean??? Wink

I am editing your post because there was no reason to point out errors, if you care to respond to posts, then REGISTER, share your knowledge and STOP hiding behind a guest name. Exclamation

Posted: Sun Sep 21, 2008 3:36 pm Subject: reply

thanks shazz,if that is all the guest can come up with.then there opinion is neither wanted or appreciated.

Posted: Mon Sep 22, 2008 3:58 pm Subject:

To the person who was not pleased with me, sorry to be so mean...............NOT...... I did not know the laws and then once I found out I am on the warpath. I have used another company when I needed some cash for a bill and they were completely above board and followed the law to a T but those that think they are above the law need to realize they will have to pay eventually.

I am not planning to close the acount due to the fact I want more evidence to take to the state. If they try to put through a paper check without my signature then I will take the appropriate measures.

Say a prayer for me. I want to stop these leeches.
Have a wonderful day everyone!!!! You guys have been such a help.

Posted: Mon Sep 22, 2008 6:21 pm Subject:

You too, fellow Californian ! Very Happy

Now let's do some food for thought. We were all following the Congressional debate on the government bailout of the financial industry today, right? Did anyone scold their CEO's over their irresponsible use of money? Then why should we scold someone who was desparate enough to use a PDL? As one who once had 10 of them, trust me, I know noone WANTS to go this route.
Now if someone can pay their PDL back with one cycle, more power to them--and I can tell you that that is one customer a PDL doesn't want, as they're not going to make any money that way.
It's a flawed business model as the only way they can turn a profit is through outrageous fees. Yes, our pious friend has to stomach the fact that a PDL wants someone like me, who PDL'd for years, over someone like him or her. And what's wrong with this picture?

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