Internet's first get-out-of-debt community - 136,000 members

Cardskh · Posted: Tue Jul 08, 2008 1:34 pm Subject:

I just left a message for the branch manager so I can discuss this with him and set up an appt. to come in tomorrow. I have read some other post that say National City is really hard to work with so I am really worried at this point that this is going to blow up in my face.

Cardskh · Posted: Wed Jul 09, 2008 9:23 am Subject: Woo Hoo!

My branch manager froze my account over the phone, set up a new checking and savings account for us and is going to make sure my direct deposits are transferred to my new account on Friday. Yippee! Now I have to sit down tomorrow and send out my letters to the PDLs. I hope the rest goes this smoothly. Thanks for all your advice and support. I need to register here and I will keep coming back as well with updates and questions I am sure. This site is wonderful!!!

Cardskh · Posted: Fri Jul 11, 2008 10:11 am Subject:

It's me again.... well my freeze didn't work because there was a valid pending debit that re-opened the account. The branch manager said that he is going to try to have the ACHs reversed while they are still pending which means by Monday I MIGHT have the money back since it has not officially been given to the PDLs yet. If he can't get it reversed then I will have to dispute them through loss prevention and I might not get my money for another 48 hrs. which sucks because I have bills to pay. Anyhow, I am pondering when to send the C and D letters and my ACH revokes out because of the account freeze not holding. I am wondering if I should wait until Monday to see if they can reverse them first without going through Loss prevention. Has anyone else had this happen? So far the bank is working with me, but it's a lot of red tape.

Posted: Fri Jul 11, 2008 2:23 pm Subject:

I would send the ACH Revokes out immediatly, so they won't try to make attempts to debit your account again. Especially since you are having problems with the freeze right now.
It's good to hear that the bank is working with you on this, a few people been going to battle with the bank and the PDL's.

Cardskh · Posted: Tue Jul 15, 2008 8:22 am Subject: First PIF

Woo Hoo...I sent out my ACH revokes yesterday and got my first PIF from Impact Cash today. They first told me that they would settle for another $120. So I wrote back and said, my original loan was in the amount of $300 and I have paid you $90 every two weeks for the last 8 weeks, Indiana law states the most you can charge me is 13% or $39 a week interest and since I have paid over that it should have been applied to my principal. So I just got an email from Dan at Impact Cash telling me they will considered my account Paid in full...Yippee!!!

Cardskh · Posted: Tue Jul 15, 2008 8:22 am Subject: First PIF

Woo Hoo...I sent out my ACH revokes yesterday and got my first PIF from Impact Cash today. They first told me that they would settle for another $120. So I wrote back and said, my original loan was in the amount of $300 and I have paid you $90 every two weeks for the last 8 weeks, Indiana law states the most you can charge me is 13% or $39 a week interest and since I have paid over that it should have been applied to my principal. So I just got an email from Dan at Impact Cash telling me they will considered my account Paid in full...Yippee!!!

Guest · Posted: Tue Jul 15, 2008 8:29 am Subject:

Good job! Keep up the good work. Before you know it you will be done with the evildoers! Keep us posted on your progress.

Posted: Tue Jul 15, 2008 8:56 am Subject:

Good Job

Posted: Tue Jul 15, 2008 9:03 am Subject:

Awesome Job!! Wink

Cardskh · Posted: Tue Jul 15, 2008 1:26 pm Subject: Cash Transfer Centers

Okay just got a reply from Cash Transfer Centers telling me they are going to put me on Teletrack if I don't pay them....I never wrote them a physical check can they do this or is it a ploy?

Posted: Tue Jul 15, 2008 1:47 pm Subject:

Teletrack is a system the PDL companies use to see how many loans you have. If they put your name in their system it means that you won't be able to take out anymore payday loans or rent furniture from rent-a-center...

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 136,000 members

Need Advice please!!!

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post