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 Posted: Wed Nov 07, 2007 9:25 am Subject: So I sent off my letters to all the companies
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And I have yet to hear anything back 
Loan Shop sent me a letter saying that I was approved for another loan, but I know that they are just phishing cause I still have an outstanding loan with them
So now I guess I just wait, I get paid again on the 15th, I am anxious to see if any of them debit my acct again
My bank was able to return almost all of the transactions, which is good, I just dont want them to have to do that again.
The AG called and said that she was filing my complaint with ameriloan 
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5763
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Posted: Wed Nov 07, 2007 9:28 am Subject:
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Good job jaydanielle! Congratulations.  If your loans are ipdls, they don't always respond. It takes alot to get a response from them sometimes. My experience was that they just ignored me until they were unable to access anymore of my money! I'm glad your AG is going to file a complaint. The more we report these companies, the better.
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eleroo
Joined: 06 Jun 2007
Posts: 1227
Debtcc Points: 14311
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Posted: Wed Nov 07, 2007 9:29 am Subject:
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well i guess i will just keep on faxing the letters then
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5763
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Posted: Wed Nov 07, 2007 9:45 am Subject: check out this email i just got from the loan shop
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This is a email I just got from Loan Shop
Our loan laws are based out of Delaware
And also why the email like that now after you got the funds of $200 in your acct from us we were not illegal then.
Please email as far as what you want to do @ this point because we still need to get back the money we gave you
Thanks
i sent in reply to that another copy of the letter and said that i have already paid back 180 which means that i owe back 20 dollars and that should bring my acct to pid, so email me the address where to send it to
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5763
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Posted: Wed Nov 07, 2007 9:54 am Subject:
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Wow! They actually admitted they were not legal 
Well, I think you did absolutely the right thing by asking for an address to send a MO to.
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eleroo
Joined: 06 Jun 2007
Posts: 1227
Debtcc Points: 14311
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Posted: Wed Nov 07, 2007 10:06 am Subject:
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could you give me a link for an example of the letters you sent?
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tes52966
Joined: 07 Nov 2007
Posts: 27
Debtcc Points: 714
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Posted: Wed Nov 07, 2007 10:08 am Subject:
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i will send you a copy of the letter that i sent but you will have to change it to fit your needs
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5763
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Posted: Wed Nov 07, 2007 10:08 am Subject:
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thanks do you need my email addr?
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tes52966
Joined: 07 Nov 2007
Posts: 27
Debtcc Points: 714
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Posted: Wed Nov 07, 2007 10:13 am Subject:
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no i sent it to your pm box, would you rather me send it in a email?
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5763
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Posted: Wed Nov 07, 2007 10:57 am Subject:
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Great letter, where can I find the laws of Ohio to replace the D.C. information?
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tes52966
Joined: 07 Nov 2007
Posts: 27
Debtcc Points: 714
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Posted: Wed Nov 07, 2007 11:00 am Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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Here are the Ohio Payday Loan laws....
| Quote: | Legal Status: Legal (Applies to check cashers only)
Citation:
Ohio Rev. Code Ann. §§ 1315.35 et seq.
Loan Terms:
Maximum Loan Amount: $800
Loan Term: Max: 6 months
Maximum Finance Rate and Fees: $10/$100 + 5% per month
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot refinance)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: Bank charges (if disclosed); $20 collection charge; Court Costs; damages
Criminal Action: Not Specified
Where to Complain, Get Information:
Regulator: Ohio Division of Financial Institutions
Address: 77 South High Street, 21st Floor Columbus OH 43215
Phone: (614) 728-8400
Fax:
Regulatory Contact: Robert M. Grieser,, Deputy Superintendent for Consumer Finance
Regulator Website
http://www.com.state.oh.us/dfi/
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Punkteri
Joined: 17 Aug 2007
Posts: 202
Debtcc Points: 3094
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Posted: Wed Nov 07, 2007 11:01 am Subject:
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the loanshop what do u have for a phone number, cuz they are still pulling out of mine and i have a non-existent number. but they keep pulling out of my account
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imthemom21
Joined: 07 Nov 2007
Posts: 2
Debtcc Points: 18
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Posted: Wed Nov 07, 2007 11:19 am Subject:
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the loan shop
fax 1800-852-7221
phone 1800-757-0122
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5763
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