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 Posted: Fri Jul 04, 2008 9:44 am Post subject: |
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kevin.knight wrote:
| Quote: | | Thanks again to everyone who has helped- have the ACH transaction numbers for all four PDL's I have and have verified that they are consistent. Given the holiday, Monday I will go to the bank and find the best way to block all four from initiating an ACH on or after the 11th, my next payday. Once I am sure the bank block is good I am going to contact all the ACH processors and try to start the process so many of you have had success with. I have two follow up questions if someone could please give some input: |
| Quote: | | (1) My largest loan is $1000 with Ace, a storefront. Shazzers mentioned incorporating an EPP which would pay it off in two paydays; unfortunately give my biweely income this is not possible. Are there any other options? |
That would be 4 equal payments, not two.
The only other option you have with a store front is to speak with them directly and explain your situation, some listen, some don't. 
| Quote: | | (2) Where can one go to find resources that would provide information on whether or not a particular PDL is licensed to practice in a given state? |
Click on THIS, then locate your state on the map.
I hope this helps.
_________________
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws
Ohio Consumer Protection Law |
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Shazzers
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Joined: 05 Dec 2007
Posts: 4306
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| Posted: Sat Jul 05, 2008 2:02 pm Post subject: loan |
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I was called on Tuesday July 1st about a loan for 200.0 as ofJuly5th the loan is not in the bank.If the loan has not been processed yet you cam cancelle it. I would appreciate a callback on this matter. If it has been processed please wait till the 20th for your proceesing fee. I tried calling the number I was given it does not work.The number was 1-800-266-8880
the person I talked with was Nick.
Rita Trochan |
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rita trochan
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Shazzers
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| Posted: Mon Jul 07, 2008 4:03 pm Post subject: Please help... |
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| I live in PA and I know that three of my pdl's are legal in other states and are able to do business in PA. So what do I tell the Processor when I call about cancelling the ACH withdrawals? I would appreciate any help. Thank you. |
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Desperate in PA
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Debtcc Points: 100
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| Posted: Wed Jul 09, 2008 12:09 am Post subject: ameriloan found my new account number |
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| I closed my account with Chase and opened another at the same branch. Today I saw that Ameriloan debited my new account. How did they get my information? I didn't give it to them? HELP! |
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guest
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Debtcc Points: 100
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| Posted: Mon Jul 14, 2008 8:03 am Post subject: |
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| That is a good question. . . and I would also ask it of Chase. Perhaps they "linked" your accounts? I know that my bank promised me they would not do that. They kept their promise. Perhaps you should do business with an entirely different bank, under these circumstances, but try to get your money back before you do. Good luck. |
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llw1995
Joined: 02 Feb 2008
Posts: 1427
Debtcc Points: 13699
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| Posted: Tue Jul 15, 2008 11:43 am Post subject: Re: Processor Info Please! |
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| I contacted my bank and unfortunately my bank still contends that the processor in the payday lender, thus giving me their contact phone nos. I tried to explain (per above article) that the processor is different from the pdl company and getting this info is a challenge. Could anyone give me the processor name and contact no. for Northway dba Cash Transfer Centers, pleeeaase! |
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aganon48
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Debtcc Points: 100
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| Posted: Wed Aug 13, 2008 10:53 am Post subject: Intercept EFT |
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| I just got off the phone with Christy. They claim they can't help me until I fill out a WSUPP form. She did email me information on what to do and how to handle it through my bank. She said asking for this form will eliminate any transactions through them. When I asked how do I go about eliminating the problem through both avenues. She stated, without this form they could not proceed with their processes on stoping the debits from my checking account. When I gave hr the form I filled out previously. She stated that it would only stop the immediate transaction. Which allowed Ambassador to come in as Nation Wide Collections. So I am headed to my bank with everything she told me. Hopefully this all ends. I told her that I had no problems with this company until June 6th which should have been my last payment. She told me to try this process then follow up if I had anymore problems. |
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wetkuma
Joined: 12 Feb 2008
Posts: 6
Debtcc Points: 94
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| Posted: Wed Aug 13, 2008 4:27 pm Post subject: Intercept EFT |
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8/13/08
To: Wetkume
Email: wetkuma
From: InterceptEFT
Subject: Payday Loan Transactions
Thank you for contacting InterceptEFT regarding the issues you are experiencing with Ambassador/Nationwide Cash.
Our research reveals that as of this date, Intercept has not received transactions returned as unauthorized for the above-referenced company. According to NACHA rules (National Automated Clearing House Association), as a consumer the appropriate steps to take in order to return transactions as unauthorized or authorized revoked are:
Contact your bank, the RDFI (Receiving Depository Financial Institution)
Complete and provide a Written Statement Under Penalty of Perjury to your bank
Your bank can then return the transaction(s) as unauthorized to the originator of the transactions.
Once Intercept has received a transaction returned unauthorized or authorized revoked, it is our policy to honor the request to not allow any future credit or debit transactions to that account.
Please be aware that Intercept processes ACH electronic transactions only. If there are any check drafts or electronic checks processed against your account, those transactions are not processed through the ACH electronic transaction network and InterceptEFT will not be able to assist you with those particular transactions.
At InterceptEFT, we are extremely sensitive to customer complaints. Please be assured we will work with you the best we can to resolve your concerns. Listed below is the contact information for the company that originated transaction(s) to your account through InterceptEFT. Please contact the company directly for further resolution:
Ambassador
866-808-0936
Sincerely,
InterceptEFT |
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wetkuma
Joined: 12 Feb 2008
Posts: 6
Debtcc Points: 94
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| Posted: Mon Aug 25, 2008 7:11 am Post subject: Too many payday loans not enough money |
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I have 4 payday loans, I was paying the finance charge for a while, cannot pay any longer since my roommate lost their job. I have to cover the full rent. They are
Ameriloan
Mypaydayloan.com
Integrity
paydaytoday
I get paid on Friday, I cannot afford them to take any money from my account which is already in negative. Can I go to the bank and close this account, then negotiate with the loan companies to pay something? |
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mawright12003
Joined: 25 Aug 2008
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Shazzers
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| Posted: Tue Sep 16, 2008 9:04 am Post subject: I'm stopping the payday loan debits TODAY! |
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I have three payday loans. Payday loan yes, which has been paid down to $200. Fast Cash, which is a subsidary of PLY, which I owe $300 and Vip Cash/Qloot which I owe $400. They have all been absolutely nickel and diming our account to death. Today, I went to the bank and explained what was going on and how I was in a trap. The lady at my bank was beyond WONDERFUL. I opened a new checking account and put stop payments on not only the individual debits but anything that would try to be put through under any of their many names.
She did ALL of this for me and waived all stop payment fees. Now, I need help composing letters and getting mailing addresses for these companies. I fully intend to pay them back, I just no longer want them to have access to my checking acct. Today is the first day in months that I don't feel depressed or overwhelmed by all this! I will never, ever get myself or my family in this situation again. This financial burden has affected my ability to be a good mother and a good wife and I'm putting my foot down today! |
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amber_bass
Joined: 16 Sep 2008
Posts: 1
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| Posted: Thu Oct 09, 2008 7:00 pm Post subject: ach ? legal or not |
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my fiances account was debited an amount of 400 and then on top a bank fee of 19.00, from some payday loan that I had in 2005 that was in BK, contacted the SHW recovery that showed on bank records, told nothing can be done. Since loan was filled out jointly me second it linked my social with account not even a payday loan, and that is how they received info to debit account. Called and they do not help at all. Is there any thing that can be done with this.
PLEASE HELP!!
Thanks |
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smithae
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