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Posted: Sun Nov 25, 2007 12:17 pm Subject: I am nervous about pdl

I have four pdl that are in default. I have notified my state banking department and was told none of them are licensed in my state.
The issue is that this was in August and have heard nothing.
None of them are calling me accept one. I am scared what to do. What if I owe them all this money.
I did close my account with suggestions. Do not understand why not hearing anything from banking department.
Sorry if this is confusing.

Posted: Sun Nov 25, 2007 12:21 pm Subject:

Why would you hear from the banking dept?
After I closed my account it was a few months until I heard from The PDLs Do not be nervous. The companies are illegal, and can not do anythingf to you, We do advocate paying back what you borrowed, but that is a moral decision that you have to make.

Posted: Sun Nov 25, 2007 1:13 pm Subject:

Hi Robin. Kash is right. Don't worry about not hearing from them. Another day without them harrassing you is a blessing. They can't do a thing to you.

Posted: Sun Nov 25, 2007 7:19 pm Subject: Thanks for the responses

Thanks to both of you.
I spoke with state department of banking commsion who helps consumers with issues.
I was told that the companys are not licensed in my state and that they were going to notify all of them for breaking laws.
This was in August. Spoke with someone often then but lately like the pass two months heard nothing.
I gusee that I just do not know where I stand and one company keeps on calling.
Again thanks much

Posted: Sun Nov 25, 2007 8:18 pm Subject:

Robin, what state are you in.

Posted: Mon Nov 26, 2007 4:48 am Subject: Hi

I live in NH.
Thanks
Robin

Posted: Mon Nov 26, 2007 5:33 am Subject:

Posted: Mon Nov 26, 2007 3:41 pm Subject: Thanks

I am not even sure if this is the correct forum to discuss this. That is the department I spoke with and they have all my paperwork.
One of the companys are calling me every day and twice today.
Thanks so much.
Also I did call the banking department today to leave a message and nothing.

Posted: Mon Nov 26, 2007 3:54 pm Subject:

Did you send your pdl's cease and desist letters?

Posted: Mon Nov 26, 2007 4:01 pm Subject: Thanks

No I have not because have no idea how to do that. at this point not even sure what I paid what I owe. Messed up now paying with sanity.
The last time I spoke with the banking department she had my bankstatemetns and told me that they could get my money back and would take time. The company that is calling everyday is One Click Cash, The other ones were Dollar Flash, One Step Cash, National Payday.
Thanks

Posted: Mon Nov 26, 2007 9:10 pm Subject:

Robin...I am assuming your closed you bank account and they no longer have access to it?? I owuld send cease and desist letters to each of the,...simply write you revoke their right to debit from your account and you revoke their right to any wage assignment...and give a copy of that to your hr person at work. In the same letter you can state that you know they are not licensed and as such are not lending legally according to: then state the department you have been working with. You should go back into your bank records and figure out what you borrowed from each one and how much was given back to each including the fee's they charge. I would also keep in contact with the banking dept. you are working with to make sure they keep this on the front burner...

Posted: Tue Nov 27, 2007 4:56 am Subject: Thanks

I appreciate your support.
Yes have closed account in August with advice from state.
I am going to attempt to figure this all out with what I paid.
When One Click Cash phones me today I am going to tell them to stop calling me etc.
Again Thanks much.

Posted: Tue Nov 27, 2007 6:12 am Subject:

Robin-as morningstar recommended, please also write them a letter. The key here will be to have as much in writing as possible.

Posted: Tue Nov 27, 2007 7:35 am Subject:

I kind of figured it was one click that was calling you. I would write the letter and mail it to them, and I would also e-mail it to them. Then call your state back again and inform them that one click keeps calling you. File a complaint with the BBB (one click doesn't like that) Follow the advise given by the others and you will be ok. If you need help with a letter I am sure we can help you with that, just check out the do it yourself section and there are letters in there that you can use, if you still need help then just PM one of us and we can help you write your letter.

Posted: Fri Dec 07, 2007 7:02 pm Subject: Thank You

I want to take a minute to say thank you for being supportive and for all the support everyone brings here.
I did speak with the state today and all is moving forward. The person that is helping me is so very kind and helpful.
Again Thank You so much.

Posted: Fri Dec 07, 2007 8:36 pm Subject: r

robin, I'm glad to hear that your state agency is helping you. That is wonderful! If you need ANYTHING at all, just come back and post. We will be here to help! Very Happy

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