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 Posted: Fri Nov 09, 2007 11:23 am Subject: Closed my account today..Now what happens
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Wed and again Thurs I sent letters via email to my pdl lenders my bank was great! They actually cut me a check for my direct deposit and closed the old account and opened a new on for me! Now I am afraid of what will happen once the account shows closed for all the pdl's that came trough. but i have to say i am feeling more and more positive, at least rigt now I actually have control of my paycheck and they cannot get it
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TMBL
Joined: 11 Sep 2007
Posts: 115
Debtcc Points: 2226
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Posted: Fri Nov 09, 2007 11:28 am Subject:
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thats great 
i'm glad that your bank is working with you
just sit back and wait, thats really all you can do
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5761
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Posted: Fri Nov 09, 2007 11:51 am Subject: r
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tmb, great to hear that your bank worked so well with you! Now, did you send all your pdls a letter revoking debit authorization, wage assignment, etc???
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9369
Debtcc Points: 124788
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Posted: Fri Nov 09, 2007 11:57 am Subject:
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Yes, I got sample from someone here and added in my own information. I have one loan with cashnet usa that i made arrangements with to pay in two weeks, but I plan on contacting them and sending them a MO payment so that they don't have access to my new account plus I had originally planned on working with payday usa to pay the 300 i borrwowed-3 payments of 100 is what we agreed on yesterday but today when i looked at my account they took out the 100 plus the 90 fee so i let my bank send both back and close the account and i figure i will hear from usapayday and send mo to them also, definately not giving them any bank informtion I still have a few others that i sent letters to and i am sure i will get a response soon now that the account has been closed.
i have to say i would not have had the strenght to do it if it wasnt for this site!!
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TMBL
Joined: 11 Sep 2007
Posts: 115
Debtcc Points: 2226
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Posted: Fri Nov 09, 2007 11:59 am Subject: r
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tmb, you're good to go then! The pdls will start contacting you eventually. Oh, that'll be fun. You've done your part. Your bank account is taken care of, you've sent your letters, you contacted CashNetUSA. You're okay. Soon the phone calls will probably start. Try desperately not to take any calls. Do everything in writing.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9369
Debtcc Points: 124788
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Posted: Fri Nov 09, 2007 12:00 pm Subject: r
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P.S. - Did you file complaints yet?
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cannr
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Joined: 07 Jun 2007
Posts: 9369
Debtcc Points: 124788
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Posted: Fri Nov 09, 2007 12:08 pm Subject:
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No how do i go about doing that, i am from illinois
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TMBL
Joined: 11 Sep 2007
Posts: 115
Debtcc Points: 2226
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Posted: Fri Nov 09, 2007 12:13 pm Subject: r
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Okay. You can file with the BBB, the FTC, and your state AG. Go to the BBB site (www.bbb.org) and you can file a complaint on line. Go to the FTC site (www.ftc.gov) and you can file a complaint on line. I just googled "my state" attorney general and the site came up. You can look on there for something along the lines of "consumer protection" and then "file a complaint". It varies from state to state as to if you can file on line or not. In my state, I had to download the forms, fill them out, and mail them in. However, some states you can file with the state AG on line. File a complaint against each of your pdls with each of the agencies. If you need any help, just post. 
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9369
Debtcc Points: 124788
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Posted: Mon Nov 12, 2007 8:40 am Subject:
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Thank you! I will try and get started on filing complaints today! I want to do as much as I can to stop these pdl companies!
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TMBL
Joined: 11 Sep 2007
Posts: 115
Debtcc Points: 2226
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Posted: Mon Nov 12, 2007 9:42 am Subject:
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cannr which the complaints to you go to the company's state or your own
ex. do you file with the BBB in your state or their's??
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jaydanielle1
Joined: 24 Oct 2007
Posts: 553
Debtcc Points: 5761
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Posted: Mon Nov 12, 2007 9:50 am Subject:
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I would file with both states.
As for the BBB, it's all the same, no matter what state you file in. But you have to file in the state where the business is located.
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goudah2424
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Joined: 31 Oct 2006
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Posted: Mon Nov 12, 2007 11:42 am Subject: r
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goudah is correct (as always! ) When you go to the BBB, you will automatically be directed to the BBB that handles that company. Does it for you. The FTC is just general. It's just the FTC. The state AG, some people do file complaints with the state they reside in and the state the pdl is in. However, some people just file with the state they reside in. Up to you. 
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cannr
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Posts: 9369
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