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Posted: Fri May 09, 2008 11:52 pm

Hello I live in Texas and have several payday loans andam not sure what is legal and what is not.

The companys names are:
Zipcash
payday loan yes
arrowhead
big ltd
us fast cash
upfrontcash

There are also two that I do not remember ever asking for and don't even know who they are but they are taking money from my account. What should I do?
One of them is Magnum Z and they say that I asked for 200.00 and according to my bank records I have paid them 510.00 and 2 of these payments were on the same day.
The other one is Northway Credit and they say that I asked for 300.00 and according to my bank records I have paid 381.00.

Also alot of these pdl's are taking more than the agreed to sum out of my account more than once a day. What should I do?

Payday loan yes has taken 590.00 out of my account just today and all I show that we owe them is 350.00

I just really do not know what to do anymore. Can someone please help me. Sad

Posted: Sat May 10, 2008 12:56 am

Zipcash--500.00 Paid---1115.00
usfastcash--350.00 paid---1175.00
upfrontcash--400.00 Paid---1205.00
big ltd--225.00 paid---80.00
arrowhead--300.00 paid---390.00
payday loan yes--350.00 paid---695.00

magnum z---200.00 paid---570.00
northway credit--300.00 paid---381.00

And they are all internet loans

Posted: Sat May 10, 2008 1:33 am

OMG you have paid them way to high already. I'm really sorry for you Sad

But don't worry you're amongst the friends here and there are experts who'll help you with your situation. Just don't lose hope and stick around.

Posted: Sat May 10, 2008 1:46 am

I just do not know what to do anymore? I know I need to close my account. But I feel hopelessly lost. I have lost sleep and had/have hot checks because of these. What should be my next step. Crying or Very sad

Posted: Sat May 10, 2008 4:44 am

Strp one-Close that account! Then gather all of the information you need. C&D Letters, Complaint forms to their AG and yours, the BBB Complaint form, and talk to your bank about who their ACH Processor is. I know thatUpfront cash uses ACH Commerce/Advantage Ach. Call and ei-mail Gail Sauter at gsauter[at]advantagepaymentsys.com and 702-240-5295.
UsFastcash uses Intercept EFT 800-378-3328 and intercepteft.com.

Once you have all of that information start bombarding. Call, e-mail, and fax everyone you can think of. The ACH companies are going to tell you haw they can't help you but don't worry when you tell them how much you have paid on a loan and how they harass you and what your state laws are they will help you. Be very nice with but firm, they are a real company. Ask them to at least investigate. This puts pressure on the PDL and they will back off. DEMAND A REFUND. YOU CAN GET ONE FROM UPFRONT CASH. I got 505

Guest · Posted: Sat May 10, 2008 5:35 am

I know this is going to sound stupid but what is a C&D letter? Also where do I find the complaint form for their AG?

Posted: Sat May 10, 2008 5:42 am

it is me ahorse4uto that asked the last post a guest
sorry forgot to sign in

Posted: Sat May 10, 2008 5:49 am

Hello ahorse4uto and welcome to the forum. My gosh, you certainly have overpaid these accounts. Let me do some further investigating, and we will walk you through the process of clearing up these accounts, please hang tight, it may take me some time. First I am going to post your pdl laws, so you can look them over. We will get you through this nightmare!

Posted: Sat May 10, 2008 5:54 am

Posted: Sat May 10, 2008 6:04 am

I just emailed Gail Sauter about the upfrontcash account but when should I call her?

Posted: Sat May 10, 2008 6:11 am

Yes, getting in touch with these ACH processors have proved to be a swift and effective way of stopping these pdl companies from debiting your account to death. Since you have overpaid most of these, I would sit down and try to figure out just how much of a refund they owe you, based on your Texas laws. I am very stupid when it comes to numbers, so I am afraid I can't help you out there. Very Happy

And I wouldn't want to give you the wrong information about how much of a refund you are due. Also, I am sorry to tell you this, but you are going to have to close your account in order to stop these companies from debiting your account. Once they have your bank information, they will continue to steal money from you. After you have safely closed your account, contact these pdl companies and tell them your account is closed, and you will need their addresses in order to pay the rest of what is owed, that is, IF you owe any, and I don't think you do. The main thing to do right now is close that account ASAP! Here is a link, please read through this link BEFORE you close this account. And do not tell these companies you are going to close it, until after it is done!
http://www.debtconsolidationcare.com/paydayloan/close-account.html

Posted: Sat May 10, 2008 6:14 am

ahorse4uto:

Posted: Sat May 10, 2008 6:15 am

I can't read that topic because of an advertisment that is covering most of it. Can any one help me there?

Posted: Sat May 10, 2008 6:17 am

How on earth did you end up paying so much on these accounts? Did you roll them over, or refinance them, or just pay the interest when the payment became due? I am just trying to get a clearer picture of how this came to be. Smile

Posted: Sat May 10, 2008 6:18 am

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