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Posted: Mon Jul 28, 2008 4:30 am Subject: Next Step To Ending The PDL Nightmare?

Hello Good People,

Thank you so much for all the helpful info you've provided so far. This has been a rough weekend for me mentally (I suffer from acute anxiety to begin with) and I'm wondering if you can advise me what's going to happen next?

Bank account has been closed-cannot be forced open.

Direct deposits are going into the new account.

The employer has stated they will not grant voluntary wage assessments-they will only garnish if they have a court order with a case number (to put into the computer). We're going to provide a letter anyway just to be extra safe.

C&D Letters have been mailed (certified with signature confirmation) although now I'm not sure the ones for Credit Protection Depot went to a current address.

These PLD accounts were opened over 2 years ago, and I don't recall who the references are that were listed, but we have advised those that might be getting calls whats up.

The debits were scheduled to come out last Friday, July 25th. My question is, what's going to happen next? When will the calls start coming in? What do I tell them?

Thanks!
WJ

Posted: Mon Jul 28, 2008 7:07 am Subject:

It's hard to say . . . Sometimes you will get calls, other times, not so much.

The best you can do is be prepared. The calls can be scary, so you need to know that they are liars. Remember that, you cannot go to jail. They cannot take legal action against your employer.

Posted: Mon Jul 28, 2008 7:18 am Subject:

I think we're prepared for any BS but I'm wondering what to say to them? I think we should ask them for a mailing address (and from what I can tell from what I've read here they won't provide one) as well as requesting a copy of their license to loan funds in Indiana (something else they can't provide).

2 of these PDLs are credit protection dept, the other 2 MTE. In each case, one is overpaid and he otehr tehre is money owed on the principle, but basically, if we could get a refund we would be even.

Posted: Mon Jul 28, 2008 10:28 am Subject:

anyone know how long after ACH's are rejected until the phone calls start?

Posted: Mon Jul 28, 2008 10:41 am Subject:

It's really difficult to gage when they will call, sometimes it's right away, and sometimes it takes awhile. Smile

Posted: Mon Jul 28, 2008 11:40 am Subject:

It sounds like you are on the right track to being pdl free. Smile

Do not give out your new bank account information to anyone, I hope that you have opened your new account at a different bank or been assured 100% that these pdl's won't get into your old account if you are still with the same bank.

Posted: Mon Jul 28, 2008 6:18 pm Subject:

Hi ladybug,

My gal at my bank did assure us there's no way our new account can be debited. I have her business card and I've been checking my account often. But the waiting to see what happens next is killing me. However, it's no longer killing our family's ability to buy food!

Posted: Mon Jul 28, 2008 6:23 pm Subject:

jt. . .you have half the battle over by closing that account and gaining control of your money. I know about the waiting game. I couldn't stand it either, and as a result I probably pushed too many buttons, (according to the PDLs anyway) but in the end I did come out the victor. . . . you will too. Keep us posted.

Posted: Mon Jul 28, 2008 6:23 pm Subject:

I am glad to hear that you have finally found relief from these pdl's. Pretty soon you will pdl free and will be so happy:)

Posted: Tue Jul 29, 2008 11:17 am Subject:

i'm glad things seem to be working out - you're on a great track! if they call, you can always simply say that you wish all communication to be in writing. that actually has worked for me. i only have one pdl left to settle and even they dont call too, too much.

Posted: Tue Jul 29, 2008 11:24 am Subject:

Thank you

I've received emails from 3 out of the 4 places today. I sen the C and D letters back. There was 1 call. I checked the number on the Internet and it came up mycashnow. We don't have one with them but we do with 2 of the sister companies. I didn't pick up and they didn't leave a message.

Posted: Wed Jul 30, 2008 4:38 am Subject:

heres an email that came late last night from paychecktoday:

Your last payment was returned. We are now offering you a settlement
on this account prior to sending this to the credit bureau and a third
party collector. We attempted to contact you via email and telephone
on several occasions with no success. Please respond to this email
asap and advise as this is a one time offer that will be void after 3
business days. We accept the following forms of payment:

VISA
MASTERCARD
MONEYGRAM
DIRECT DEBIT FROM BANK ACCOUNT

Please respond asap to settle this account.

Sincerely,

Paychecktoday
Recovery Department
866-756-0600

They have been mailed a physical C&D letter as well as 2 over email. What do I do next?
Note: the payment was just returned last Friday-there have been no calls (thankfully) and this is the second email. I overpaid this company by $35.00.

Posted: Wed Jul 30, 2008 5:01 am Subject:

I would send back this reply, but that's just me. Laughing

NO THANK YOU!

I mean for crap sakes, they are illegal!

Posted: Wed Jul 30, 2008 5:12 am Subject:

Shazzers

I'm trying to get at least at PIF from them. Do I resend the C&D letter (which explains they're illegal in IN)?

Posted: Wed Jul 30, 2008 6:29 am Subject:

Yes indeed you should, in fact, I sent emails to my pdl's over and over, I stressed that they were in violation of the law, I demanded they reciprocate with a PIF letter. But yeah, if I were you, I would resend the same letter each time they reply such as above. Smile

Posted: Wed Jul 30, 2008 6:31 am Subject:

Actually, highlight your laws where it says "prohibited", make it clear to them you are NOT paying another dime, and demand a PIF letter. Oh my, this kind of thing makes my blood boil. Mad

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