I'm looking for some advice on how to handle 4 internet PDL's.
Below is the information for each of the PDL's and what I have paid.
Integrity Advance, LLC., I received a deposit of $300 on 05/17/2012, and have had 4 bi-weekly withdrawals of $90 debited from my account. This results in an overpayment of $60. I spoke with a person from Integrity last night who was rude and he actually hung up on me 3x. They are threatening to garnish my wages, generally harassing me, ect...
MNE Services, Inc. dba Ameriloan, To date, I received a deposit of
$400 on 04/12/2012, and have had 7 bi-weekly withdrawals of a varity
amounts totaling $920 debited from my account. This results in an
overpayment of $520.
MNE Services, Inc. dba USFastCash. To date, I received a deposit of
$500 on 03/16/2012, and have had 9 bi-weekly withdrawals of a varity
amounts totaling $1425 debited from my account. This results in an
overpayment of $925.
East Side Lenders. To date, I received a deposit of $650 on
5/23/2012, and have had 4 bi-weekly withdrawals of $195 debited from
my account. This results in an overpayment of $70.
Any advice on how to handle these pdl's would be greatly appreciated! I have already changed my direct deposit to a new bank and account.
Posts: 2273
Credits: 33268.95 Send message to good.nelly
All the 4 payday loan lenders are illegal in your state. You have paid more than the original amount to all these lenders. This is why you should ask for a refund from them.
Check out the link to know the steps to deal with the illegal payday loan lenders.
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
http://www.facebook.com/?ref=home#!/profile.php?id=100002227460566
File complaints with the AG and the FTC. Those are required.
You owe principal only as your lenders are illegal. You have done the right thing by opening a new bank account. Ask them for a refund as you have paid them more than principal. No need to pay them an extra dime other than the principal.
Posts: 3
Credits: 187.15 Send message to DanielleB
I have filed all my compliants with the Michigan AG and BBB.
Hopefully I get a response so I can finally but this nightmare behind me.
Any idea how long this should take? Should I be doing anything while I am waiting for responses?
Posts: 3
Credits: 187.15 Send message to DanielleB
I had taken a loan out last year with AmeriLoan as well, do you think I can get the $450 overpayment back from them even if the loan is already paid off? I would assume, this would be filed under a seperate complaint?
BTW, Thank you to everyone that post in these forums! Your advice is priceless! I wish I had known the truth about these companies a long time ago!
Debt Samaritan
Posts: 1050
Credits: 13500.25 Send message to bingonut
If you have overpaid, demand refund. I received a refund from a lender and the loan was originally from 2009. It would not hurt.
Debt Samaritan
Posts: 5223
Credits: 71531.366580171 Send message to OhioGal1
Doubtful but it can't hurt to try.
I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.
Posts: 3
Credits: 187.15 Send message to DanielleB
Update..........
I have received an ACH credit from East Side Lenders but no PIF letter.
Is it normal for a pdl to do an ACH Credit?
Debt Samaritan
Posts: 1050
Credits: 13500.25 Send message to bingonut
You are lucky to get the credit but it does happen. I would still request a PIF letter.
Debt Samaritan
Posts: 5223
Credits: 71531.366580171 Send message to OhioGal1
How did you get an ACH credit if you closed your account?
I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.
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