Help for PDLs in Oregon

I can see how the new laws can put people in a tough spot if they were depending on being able to roll over the loans......

Update Again!

So I sent the letters. I just emailed them all today too just in case and will be calling them this week if they don't call me first.

I opened a new bank account. I'm not putting any of those numbers over the internet ever again.... Call me paranoid but I'm using cash and money orders, which with my new account I get free money orders (because I have direct deposit), in fact I didn't even order checks. As a bonus my SS# has been reported to the Chex system or whatever it is, from some person in Indiana with a bank whose main office is in Ohio. The name is way different (my name is unique anyways), and I've never been to Ohio, so the lady opened the account. We are thinking the number got transposed just for the account because there are no other strange things from the midwest on my credit report.

Closed the other bank account. They said they only reopen the account for things already paid, like checks or using my debit card. Well since B lost hers and I reported it, when I tried to use mine the ATM took it so definitely haven't used that at all. I did have to call the bank and remind them to close it though. One of the payday loans tried to come through twice, as well as my insurance again within a matter of minutes and I ended up with an insufficient funds fee, that was $25 I could have used.

My main problem with the payday loans was they always came through an hour before my paycheck and my bank would 'hold' them to wait for my paycheck, but then they charge the same fee for holding it as it would to let it go through and charge me an overdraft fee, only the way they do it, on my online banking it looks kosher but I still get a charge. I'd rather they overdrafted me so then I can see why they charge me. They did this too me many times, I don't even want to figure out how much I've paid them, because I might have been able to survive it if not for those. Glad to be rid of them. My new bank seems nice, I even got a free gift, a BBQ utensil/etc kit, which I'm giving to my Dad (my Bro gave him a new BBQ for Dads Day), especially since he just sent me a good chunk of money to bail me out again.

Good to hear you are off to a good start! Keep us updated on yoru progress . . . .

You are lucky the bank still opened you an account - Most wouldn't. You should probably dispute that item on your chex report and get that cleared up.

You may also want to contact Charles Donald at the OR Dept of Banking. He can be super helpful. He even called one of my pdl's that was being difficult and had a "talk" with them on my behalf!

Yes, the nice teller lady gave me a form with the contact info (the letter they give for denials) to figure it out. I think being in a small town and having reputable employment... and looking honest because I am honest, I was lucky to have my bank account opened.

I haven't checked with Mr. Donald or very many other resources yet. I do keep getting calls from Debt Consolidators and Counsellors who cannot help me because I merely have payday loans.

~.~.~.~

And in other news, I finally figured out who what why when and where I got that USA Credit Charge on my bank account over 1 month ago. When B saw the charges she figured it was something I had done, such as another payday loan. I had even thought that for a while, but when I got on here and began to look around and what was going where I researched it. I found a Rip Off Report about it. I thought it was something that I had accidently clicked on while getting a payday loan.

So I get the mail today, and there is a good sized envelope addressed to B. It is a card and I see USA Credit. AH HA! Wasn't my fault! (Like we both automatically assumed it was...) So we call. They of course want to know why she wants to cancel a 7500 credit limit that reports to credit bureaus. We say we don't remember ordering their service, they say they talked to B over the house phone. B never answers that phone so I'm not sure how that happened. I think they were blowing smoke. They kept trying to offer things in exchange for keeping the card. Two nights hotel, or we'll even give you $25 back, just keep it open, it will improve your credit!

No thanks, just give us our money (minus $10 of course, because no one wants to give you a full refund). That bank account is now closed though, so it will be sent to the bank, bounced back and then they'll send a check.

I used up my whole lunch hour dealing with it. It wasn't fun. But we are getting most of it back (we certainly can use that $80)... And it is taken care of now. As a bonus, it wasn't my fault.

So far no calls or emails. Just got a call about a late payment on my car. I just gave my new check numbers over the phone which I didn't want to do. I felt I had to though, as I don't think I'd remember to get the payment sent out and they'd come and take my car. Then I've got rent to pay and my paycheck is pretty much gone, not sure what to do about my other bills because they all want their money at the first of the month as well.....

Got my blog up and running though and added a community photo in the forum. So at least that is fun.

Mods, can you change my title, I don't think it really applies because we never really got into debt consolidation companies. Change it to something like Help PDLs in Oregon. Or whatever...

Update

I'm screwed. I'm having panic attacks again. I can't concentrate at work. Every time I turn around I've done screwed myself again. I'd like to blame something else this time but I can't. I feel like it is all my fault and I'm drowning.

I've got my insurance due on the 2nd. My bank account is short $30 for my rent. I'm supposed to get $90 reimbursement from work and $80 check from USA Credit, which I was lucky enough to cancel in time. But I don't know if they are going to make it here in time. Can't be without car insurance. If it does come in time then that will be okay but either way I can't pay my cell phone and it gets shut off, since it is my only line of communication, my parents are going to call and they are going to be mad.

I've got Cash Call and Prosper that need to be paid. I called CC and they couldn't help me, they are going to wait until their payment is returned from my closed bank account charge me 30 and then call and harrass me to pay them. Then I can make a payment arrangement. I emailed my group leader at prosper to see what I can do to not screw up the groups good standing. I'm late on everything and when I do pay them all to be caught up, I'll still owe them for august and by then I'll have no money left, so I'll be continually behind a month, only sending payments when they send disconnect notices or otherwise call and harrass me. I don't think I can take much more of this, I don't think I can last much longer. I can't even think about what I owe the PDLs...

Thanks Mods!

Okay Langhorne sent me an email to my junkbox, I happened to click on it to see what it was. So I followed the link and signed up. They called me at 7:30 this morning.... I was still asleep. They'll call back later. I know I've done most of the stuff they'll tell me to do, but I'd rather not worry about taking care of it myself. I would rather have them make sure the pdls have letters and if they call me I can tell them to call Langhorne. I'm willing to pay a fee to someone who will do that for me, than pay extra to pdls or have to deal with phone calls and stressing myself. I'll let you know how that goes after I talk with them.

I feel a little better. Called the landlady to let her know we'd be late with rent (and will include the late fee when I get paid next). That means I have money to keep my phone, and can pay on the electric. I'm feeling a little better and things are looking up. That is until I have another panic attack, but I'll try not to worry about it until it comes.

Things may be tough now, but at least you are working towards getting everything under control! Imagine if this was a couple months ago, and the panic you would've felt then!

Things take time. You will get there. And having a company do the dirty work for you can be a big relief. Langhorn knows their stuff when it comes to internet pdl's, as the guy that runs it used to be a lawyer that advised the pdl's!

That is good to know, he switched back to the good side! They called when I was driving and I haven't called the back yet. I really should get on that. I wonder though how much their fee is going to be.... Not sure if I can afford that right now.

From my understanding they charge a percentage of your pdl's . . . . And then you save a certain amount each month until there is enough in the account to start settling with the pdl's. He then negotiates with them. I think if I remember correctly his fee is 25% of what you end up paying to the pdl's . . . . But don't quote me on that, I'm just going off memory and that may not be correct.

Eek. I may have to do this on my own for now.... I know I can't afford that at the moment....

I don't think it's upfront - You save a certain amount every month and a percentage of that goes towards the fees . . . . . If I'm even correct in the first place. Please talk to them, don't take my word. I am just going by memory, and it absolutly could be wrong!

Okay thanks. I had a small panic attack there. I should probably call them soon they're on the East....

Oh, yeah! Since it's Friday they may be closed . . . It's five there!

listen to goudah and frog i have learned alot. im also from oregon cashnet cannnot charge you the full amout they can only chargeyou what you loaned out but check with goudah with the new laws.

I know Goudah knows a lot. I thought CashNet was licensed, I'm not sure how the rules work with them. But the other 4 I have don't have a leg to stand on, and I won't give them any more than I borrowed.