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Posted: Tue Aug 19, 2008 11:55 am Subject: achloans.com - need help/advice

I need some help. I got a payday loan through achloans.com, the amount was $200. They have directly debited $74 from my account, which was authorized by me, now I would like to authorize them to deduct the full balance of what I owe so that I can pay it off and be done with it. The terms & conditions indicated I need to request this via the website within 3 days of my next scheduled payment/payday (I have direct deposit, they directly debit my payments on my pay day). I have been trying to access the website for 2 days now, and have received the following message: "This site is temporarily out of service due to technical reasons."
My bank advised the ACH processor was Monterey County Bank 831-649-4600. I called them and was advised processor is LST Financial and was given phone number 866-524-4204. They gave me a phone number of 877-224-7371 which has no live rep, only a referral to the website, which is of course not accessible. I did leave a voicemail requesting a return call, but am concerned they will ignore my request.
I tried calling LST Financials back, but they were no help, just kept saying to leave a message at the 877-224-7371.
Does anyone have any advice?

Posted: Tue Aug 19, 2008 11:59 am Subject:

Ahhhhh, ACH again!!! Laughing

I got a loan from them last year, they are overseas! They will not call you back, it is a scam!!!!! I wish I had known what I know now, why would a legal company have NO phone number for you to reach them????

All they have is an answering machine, I would advise you to look into closing your account, or get ready to repay some serious money.

Posted: Tue Aug 19, 2008 12:28 pm Subject:

I believe that ACHloan (without the 's') is the one out of Ireland, however, ACHloan(s) is a US based pdl company? Anyone else know for sure about this?

Posted: Tue Aug 19, 2008 12:34 pm Subject:

Never mind, I figured it out, (I think lol), the one with the 's' on the end is from India http://www.debtconsolidationcare.com/paydayloan/ach-illegal-1.html the one without the 's' at the end is from Ireland. Both illegal in the U.S.

Posted: Tue Aug 19, 2008 2:15 pm Subject:

yea, scum is what they are Sad

Posted: Tue Aug 19, 2008 2:43 pm Subject:

Sarah,

I had the same problem with STCAdvance. They are a scam to take $74 forever. I contacted my bank and had them block any further ACH"s from them, not just by amount, but by name. If they try to debit under another name the bank will let me request a dispute as an unauthorized transaction.

Hope this helps!

Posted: Tue Aug 19, 2008 4:25 pm Subject:

Shazz. . .ACHLoan.com has a contact listed in CA, and ACHLoans.com has a contact listed in MD which is affiliated with Faustin Associates.

Posted: Tue Aug 19, 2008 4:53 pm Subject:

Ho hum llw, well, when I had a loan from them many moons ago and their loan agreement (which I read afterwards lol) stated they were governed by the laws of Ireland, and of course they tried to tell me I was too. Confused

Guest · Posted: Tue Aug 19, 2008 6:59 pm Subject:

Shazz. . .we all know they tell us what they want to tell us, which is usually a bunch of nothing! If it is ACHloan(s) dot com, I would try sending my correspondence to this address.

Corey Faustin
Faustin & Associates
11510 Georgia Ave
Suite 111

MD
Silver Spring

301-942-4201
301-942-4264 (Fax, I believe)

"corey.faustin@gmail.com"

Sheila Faustin can be reached directly at:

"sheila.faustin@achloans.com"

Posted: Tue Aug 19, 2008 7:00 pm Subject:

sorry bout that. . .the last guest post was mine. . .llw

Posted: Wed Aug 20, 2008 6:22 am Subject:

where did you get that information from? pdls are illegal all together in md, how would they have an office there?

Pachacutec · Posted: Wed Aug 20, 2008 8:13 am Subject:

I live in Maryland and I had a PDL w/ achloans. They are a royal pain! I doubt seriously that achloans is operating anywhere in Maryland. They're either located somewhere in Ireland/the UK and their phone bank is apparently out of India. But they called me many times saying they were going to "come and get me," and they were going to "see me in a British court of law!" And so on. PDls' are illegal in Maryland, but they said THEY were not! If you're having trouble w/ PDls and you live in Maryland, I'd suggest getting in contact with the Maryland Office of Financial Regulation (address is listed under Maryland PDL laws on this site). They've been a great help to me. (as has this forum!)

Posted: Wed Aug 20, 2008 12:00 pm Subject:

I didn't say they were operating out of MD. That is their Administrative Contact information. I do know, however, that contacting the Adminstrator of the "organization" can produce results. That is exactly how I was pardoned on my Star Advance loan to the tune of $293. The Administrator can be anywhere.

Posted: Wed Aug 20, 2008 12:03 pm Subject:

danielwis . . . I didn't mean to ignore your question, I'm just not in a position to disclose it without bringing a third party into the mix. You could try it if you would like, that's your choice.

lily · Posted: Wed Aug 20, 2008 3:00 pm Subject: pdl

I've been in the mess of pdls also. It got so bad my account was closed because so much money was coming out and they made me over draw, now this pdl comp is calling and stating to have my attorney call them...I don't know what to do and I don't wanna go to jail, yet I've over paid 'em, so I'm just confused on what to do now...can anyone give me advice?

Guest · Posted: Thu Aug 28, 2008 9:04 am Subject: PDL/ACHloans

If its a scam how can we stop them from taking the money? Would calling our bank and canceling the transfer due

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