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MagicMike0914 · Posted: Thu Jul 31, 2008 8:36 am Subject: I HAVE BLOCKED MY ACH PAYMENTS

I first want to thank everyone who helped me yesterday on this site.

I have effectively 'blocked' any and all ACH transactions (and otherwise debits) on my account, except deposits.

i also spoke with the woman who is the head of the ACH dept at my bank and to my surprise, no problem at all.

In fact, one of them was showing as pending in my account today and she is returning it as 'account closed'.

Further, because i deal with a smaller, local bank whom i have been with for many years, they made me exceptionally happy to tell me that NOTHING will get through that account. Even if i have a paper check out there, they will not process that until they physically call and speak with me, whew, dodged a bullet there!

Now that my money is all secure, I am going to do as instructed by this site yesterday and send out my C&D letters and revoke any and all authorizations for phone contact to me, my job, and my references and demand that they only contact me via email and USPS. I hope this will work?

In doing this however, i still need a little help. Can the good folks that are on this site help me once again? You have all been a God send!

I need to know the email addresses and possible mailing addresses for the follwoing companies. I have seen them on here randomly before, but i have also sent emails to many of the same addresses that i have and they get bounced back, i am willing to try any new (or current) info anyone may have on these.

Thansk again in advance, this site is absolutely the best and a life saver for all of the people viewing it for the first time! these people are top notch, thank you!

One Click

TJF Corp

Sandpoint Capital

Zip19.com

United Cash Loans

MTE Financial

B.I.G.

Cash Advance Network (CAN)

Discount Cash Advance

My Cash Now

Payday Max

B&L Marketing

Impact Cash

Thanks again to all of your wonderful people!

Posted: Thu Jul 31, 2008 8:44 am Subject:

Just an FYI - They will not just contact you through the mail.

The original creditor does not have to stop phone contact. The FDCPA only applies to third party collectors. You can ask them not to call you, but they don't have to honor that request.

Posted: Thu Jul 31, 2008 8:45 am Subject: PDL Info

I have responses/success for the following companies:

One Click Cash:
compliancedepartment (@) oneclickcash.com

Impact Cash:
accountservices (@) impactpayments.com

United Cash:
customerservice (@) unitedcashloans.com

Hope that helps

Please dont post live email links per TOS - Goudah

MagicMike0914 · Posted: Thu Jul 31, 2008 8:54 am Subject:

Goudah, thank you as usual. I do have a question though, what good is it to send the C&D letter to all of these companies if it will not do anything?

from what i have read the past few days on this site, i should be sending these C&D letters along with the revokation information to each of these companies.

most of the ones i listed do not have their own site and are offshore companies. Does this mean that the money didn't come from them?

MagicMike0914 · Posted: Thu Jul 31, 2008 8:55 am Subject:

Thank you for the info ralphapena, it is sincerely appreciated. that gets three of them for me!

Posted: Thu Jul 31, 2008 8:56 am Subject:

I haven't had any email returned from these addresses yet, but no response either:

MTE Financial
returns (@) invcity.com

Paydaymax
support (@) CreditProtectionDepot.com

MagicMike0914 · Posted: Thu Jul 31, 2008 8:57 am Subject:

Goudah, how do you distinguish between a third party and the actual creditor themselves?

Posted: Thu Jul 31, 2008 9:00 am Subject:

A third party collector is a collection agency.

Personally, I don't think it's worth sending a C&D letter. You will just get a response saying that the FDCPA doesn't apply to them. I think you have the best chance for success when you only put relevant, correct information in your letters. But that is just my opinion, and many people do send a C&D letter too. But it has never stopped any calls from pdls.

Posted: Thu Jul 31, 2008 9:01 am Subject:

I just wanted to point out that legally speaking, the information is irrelevant and incorrect, since those laws would not apply to the original creditor.

Posted: Thu Jul 31, 2008 9:03 am Subject:

Great News! I have just started advising to contact the ACH Department of banks myself. It does make more sense to go straight to them, as many branch managers, tellers, CS people, etc. really don't know the working mechanics of those transactions. I know that they were very helpful when I needed info. Also, I think the hometown banks are more apt to work with you as you are a customer, not just an account number. That's what I found with my own bank. Glad to hear that things are starting to gel. Keep us posted.

MagicMike0914 · Posted: Thu Jul 31, 2008 9:05 am Subject:

Thank you again.

i plan to put all of the factual information in each letter, stating how much i borrowed, what i have paid back, what dates they were paid back, a copy of the florida law relating to how much they can charge, and ask for a PIF.

My concern is that i dont want these people contacting my office or my references, is there aything that i can do to stop that? i mean companies like 'Sandpoint Capital' is one of the offshore shady companies and i cant even find the contact info for them. same with B&L, B.I.G., MTE Financial, etc.

how do i know if these people are the actual creditors? or the third parties? etc.

i only have three that i legitimately owe on, which i have every intention of contacting them directly and paying, but without all of the interest.

i am just lost with the difference between who deposited and is debiting the money and who the real creditor is, any advice?

Posted: Thu Jul 31, 2008 9:06 am Subject:

One more thing. . .try using the same address for My Cash Now as you did for Pay Day Max. They are both affiliated with CPD so the same would apply to them. Hope this helps.

Posted: Thu Jul 31, 2008 9:06 am Subject:

B&L Marketing - customerservice(at)blmsinc.com

I-TJF
5700 Broadmoor St.
Mission, KS 66202
Phone - 816-822-0724
Fax - 866-224-8777
customerservice(at)thebmggroup.com

Guest · Posted: Thu Jul 31, 2008 9:09 am Subject:

Hi Magic, What reason did you give your bank as to why you want all ach's blocked?

Posted: Thu Jul 31, 2008 9:12 am Subject:

My opinion, for what it's worth, telling these companies to cease and desist contact with you other than via email or USPS isn't against the law, and some of these people who work for these illegal companies are dumber than a door knob anyway, yes, they may contact you anyway and you have no legal recourse to stop them for the most part -they are practicing illegal anyway and obviously don't care. However, there's always a chance they may NOT contact you, so I always say, what do you have to lose by requesting a cease and desist from them, all they can do is say NO. By the way, it did work for me with two pdl companies, but not all of them. Just sayin!

MagicMike0914 · Posted: Thu Jul 31, 2008 9:22 am Subject:

I read and did my homework here, and then called them.

Many suggested going in person, but being that i have a local bank and have been with them for many year, i know the V.P. of the bank, etc. I would howeverhad done that had i not received the reply i did.

Well first thing i did was went to the bank and closed the account.

Then i called the next day and said "my account is closed, but i have a pending ACH payment trying to come through... I then said that (and i was speaking to the main branch people, and more specifically the person in charge of ACH payments for the bank (this is the person i would suggest you go to), and explained to her that i closed the account to begin with was i received several emails stating money was going to be debited out of my account, and that it was illegal, that i have revoked any and all rights of any companies to doso, and opened another account"

Her reply was, yes sir, we will send this one that is pending back as 'closed account' and then not allow anymore. in fact, she even said that if any hard copy checks tried to come through that account, then i would be called by the bank, before any were approved.

i would highly suggest however, as is mentioned all in this website, to ENSURE that you inquire as to their ability to forcibly reopen your account with an ACH.

The best thing you can ask for is that ALL WITHDRAWLS ARE IMEEDIATELY FROZEN! Then close that account and open another.

I hope that helps and good luck! these people on this site are amazing, so keep the questions coming and someone will be there for you to answer, like they were for me and everyone else on this site!

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