AIP in Delaware, BIG in UK (?), CashCall

Brian, send an email to Vikas at
vikas(@)debtconsolidationcare.com
He can help you with your log on problems.

I'm going to look into your others pdls. They may be illegal for you also. If you're thinking of letting them take pmt in full and then having them bounce, you're going to rack up a boat load of bank fees. And there's always the chance that the bank will pay these guys and then you owe the bank. That would suck. When are they scheduled to debit you next?

Total Lending and United Cash Loans, Friday, 4-4. Impact Cash, Wednesday, 4-2.

All the pdl's mentioned above are illegal but Payday One in Oregon.

Goudah- Thanks for the info. What does that mean for me practically speaking, in terms of a plan of action? I.E., Ok, they're illegal, but what now? They still have my checking account info and a written contract (even though it is illegal, they obviously maintain it is). We're advised not to close our checking accounts, so that's out. So they'll just keep debiting me right into account closure and ultimately Chexsystems. I just don't know WHAT to do...

Why are you advised not to close your checking account????

You absolutly need to close it.

What it means when I say they are illegal is that they are unlicensed and not allowed to lend to Oregon residents.

This means they are not entitled to collect any interest. The loan is void. It is uncollectible.

Have you filed the complaints with the Oregon Dept of Banking yet?

brian,the pdl's will advise anything that is to there benefit.you said they are not legal,so there contract is also not legal.please close your account asap.they will debit forever if you allow it.

So even if I took:

$300 from United Cash Loans and have payed them one $90 "interest" to date;

$300 from Total Lending - same thing, $90 paid to date.

$260 to Impact Cash - no payments to date.

I can still close my account? There is a post up "before you close your checking account becaaue of PDL's". That is the one I'm referring to. Won't they still harass me and debit my account? Won't my bank still possibly force throught he payments and overdraw my account? This is also the checking account I have that AIP is to debit again on 4/4. Won't AIP make my life miserable at work as well?

Help !!! I'm so confused as to what to do...

it depends on the circumstance,but as goudah stated those loans are illegal therefore you are obligated to pay back what was borrowed.you should do this on your terms not theirs.yes they will harras you,but know just about everything they say is hot air.they can't do any of it.as far as the checking acct goes you can put a hard debit block until you can find another acct.talk to your bank manager face to face.explain your dilemma.they should help with that.

You have to close the account - It's the only way to stop them. Otherwise they will continue to debit and debit . . . .

brian, goudah is in your state. goudah knows her stuff. Since she has found that your pdls (with the exception of one) are illegal, you need to prevent these illegal ones from debiting. However, I'm thinking it might be too late to totally close it right now without the risk of it being forced open due to pending pdl debits. What you can do, is go to the bank, speak to the manager, and put a hard debit block on that account. Nothing will go through. Not even your stuff, so you'll need to open a new bank account somewhere else so that you will have a "working" bank account. You need to do this, brian. The illegal ones will debit you into the thousands. You can close/block your account. You won't get into any trouble. You can then (after you know your bank account is safe) send letters to your illegals pdls telling them they are illegal and that you are only paying back the principle amount of the loan - no illegal fees. The one legal pdl, you would have to contact and make an alternative payment plan - no debiting your bank account. We have a good letter to send to your illegal pdls, brian. But, your first step is to get that account at least blocked. You don't want any more pdl debits.

I had so many PDL's, at one time, I HAD to close my account and open a new one. With the LEGAL PDL, I think you can send a Money Gram ( that kind of thing) for a payment. Don't give out your bank account anymore. Everyone, on this forum, is giving you good advice.

Thank You all for your input. I appreciate it more than you'll ever know.

Well, I DID in fact CLOSE the checking account this afternoon with my credit union. All the illegal PDL's with the exception of BIG - unfortunately - are set up there. I asked what the ACH policy was and they said that they do not force an account negative if ACH's come through after the account is closed. The account is just closed period. I also had to close my savings account, so I get a whopping $5.62 refund tomorrow. At least I can afford lunch tomorrow.

While I did not speak to the branch manager, it was someone I know who has worked there a long time. I was anxious to get the account closed ASAP and I was doing it at a few minutes after 5:00 pm PST over the phone. I'll talk to the branch manager to follow up, but I think the advice I've been given is sound - it's riskier to leave it open and let them debit me into infinity.

Now if I can only get these people not to call me at work... This is SCARY stuff folks. It is really reassuring to know that many other people are going through or have gone through the same thing. I felt completely and totally alone before. You guys/gals are the best !!

I get paid this Friday with a physical check, which I have complete control over. That feels really good. It's horrible to go in on payday and see 1/2 to 3/4 of your check gone - all for fees/interest and no reduction of principal.

Oh, brian! I am sooo happy! You're account is closed! No more pld debits! Your first step on the road to recovery! And, you're about going to flip out when you actually get a WHOLE PAYCHECK and can pay your bills and get some gas, and gee, maybe even some food! Oh, the days of getting paid only to have it sucked out the same day leaving me with nothing. Oh God. The nightmares. Congratulations on your progress so far! Make sure to follow up with the manager, just to play on the side of caution. Now, what account information does BIG have? They will be the ones to debit you until you are dead in the ground. Is there a way to stop them?

I'll ask you this, brian. Do you have a receptionist at work? Or do your calls go to your voice mail? Or how do you receive telephone calls at work? I might have a few suggestions to get these guys off your a$$ at work.

Thanks cannr. I'm really excited and scared at the same time. there's still a long way to go but I feel like I took a huge step forward today.

BIG. That's a real tough one. Unfortunately, before I found this forum, I gave them my checking account info with my other checking account - USAA in Texas. I talked to USAA today. They said that BIG first has to debit my account before they can send out a form to me to fill out "under penalty of perjury" not to let BIG ACH my account. Changing account #''s wouldn't help because the two accounts would still be connected if they kept debiting - which obviously they would. This is the checking account that I need to keep open. Closing is NOT an option. This is where the "legal although not moral" debt goes (Cashcall, ThinkCash) and a couple Prosper loans. I got on with USAA before they changed their membership requirements, so I can't close the account and be eligible for membership later. I can't get a checking account anywhere else because I'm still on chexsystems. So, they will debit $45 on April 9th,and then $40 on April 23rd - every two weeks after that it's $40 into infinity until I pay them in full. The principal amount is $350. I'm not sure what to do at this point with them. I spoke to them today and asked them for a physical address again, and of course, they refused. I told them they were offshore and illegal and what the state law was in Oregon. She tried to say that it did not apply because I first applied for a loan with them in 2005 before the legislation was passed. I told her that was total BS because I payed that off and then they called me back saying my credit limit had been raised and offered me another loan AFTER the Oregon law was enacted. She continued to insist it was all legal of course, and at that point I let loose, really let loose, and yelled and told them they were the scum of the earth and asked herself how she looks at herself in the mirror, etc. Boy did that feel GOOD. I then called back and spoke to a nother person and politely verified with him that they were debiting my account on April 9th and he told me "to have a good day".
But really, I'm not sure how I'm going to proceed with BIG. I guess I will let them debit the $45 on the 9th, and then ask USAA to send me the form, and I'll request them not to debit for BIG anymore. Doesn't BIG just harrass you to no end, just like AIP does?