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 Posted: Wed May 28, 2008 11:58 am Subject: What is the best way to get rid of past payday loans?
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What is the best way to get rid of past payday loans that I was unable to pay for??
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nicoleroman
Joined: 28 May 2008
Posts: 37
Debtcc Points: 549
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Posted: Wed May 28, 2008 2:55 pm Subject:
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Welcome to the forum Nicole. When you say get rid of what do you mean? Are you asking the best way to pay them off with a payment arrangement or do you mean to get them off of your credit report. I'm not exactly sure what you're asking. I'm sure there will be others around that can also help you.
Johnita
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johnita
Joined: 28 Apr 2008
Posts: 78
Debtcc Points: 1097
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Posted: Thu May 29, 2008 12:31 pm Subject: Payday loans
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Payday loans are great becuase they are not meant to be long term and are meant to help people in need. So I hope you don't want to get rid of option for consumers, like me.
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rocio
Guest
Debtcc Points: 100
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Posted: Thu May 29, 2008 1:26 pm Subject:
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When you say "get rid of" I hope you mean "pay off" so you don't have to worry about them later on.
Depending on your situation, contact each agency and work out monthly payments. There are also some companies that can consolidate PDLs as well, but it's generally best to work with each of them directly.
Let us know if you need any more advice!
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dtownmike
Joined: 27 Mar 2006
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Shazzers
Moderator
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Posted: Thu May 29, 2008 1:40 pm Subject: Pay day loans
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I would but I do not remember them for some of them are from a long time ago and I have yet to see anything via mail or on my credit report.
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nicoleroman
Joined: 28 May 2008
Posts: 37
Debtcc Points: 549
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Posted: Thu May 29, 2008 2:46 pm Subject:
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How long ago are you talking? Do you still bank at the bank where your account was located? If so contact them to see if they have information on them. Are these internet pdl's or storefronts?
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ladybug
Joined: 29 May 2007
Posts: 2709
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Posted: Thu May 29, 2008 2:48 pm Subject: bank
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I do not bank at the same banks and I believe that they are internet pdl's I had paid off the only store one that I had.
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nicoleroman
Joined: 28 May 2008
Posts: 37
Debtcc Points: 549
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Posted: Thu May 29, 2008 2:52 pm Subject:
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I am curious as to what is leading you to pay these off after such a long time? I am not saying not to by any means, I am just curious? Are you concerned that they will appear on your credit report. And how sure are you that you still owe them any money?
What state do you live in? Someone can look up the state laws for your state and let you know if internet pdl's are even legal in your state.
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ladybug
Joined: 29 May 2007
Posts: 2709
Debtcc Points: 24625
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Posted: Thu May 29, 2008 2:56 pm Subject: Texas
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I was just wondering and maybe after sending a DV letter I will be able to figure who it is exactly that is trying to contact me. I had a collector go so far as to contact my aunts (by marraige) parents that live in seatle and I live in Texas. They don't even have the same last name as me and never did.They are not on my credit report.
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nicoleroman
Joined: 28 May 2008
Posts: 37
Debtcc Points: 549
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Posted: Fri May 30, 2008 12:03 pm Subject: Loans
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I have a payday loan company that I had gotten over then internet contacting me saying that the only way to set up payment arrangemtents is over the phone. They "said" they will not do anything via fax and e-mail. I only told them that so that I would be able to have a hard copy of the payment arrangement for my self. What should I do?
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nicoleroman
Joined: 28 May 2008
Posts: 37
Debtcc Points: 549
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Posted: Fri May 30, 2008 2:44 pm Subject:
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Whatever you do don't give them your new bank account information. If you have to tell them you no longer have a bank account and insist they give you an address so that you can send a money order.
Johnita
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johnita
Joined: 28 Apr 2008
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wssu91
Joined: 31 Mar 2008
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Posted: Mon Jun 02, 2008 12:15 pm Subject: Banking
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I keeping on telling them the same information and asking the same questions like what arrangemeants I can make and so forth and what is their address but they keep on telling me that I have to call so just recently I told them that IO will not give out any sort of banking information and that this is the only way that I am willing to settle this and yet they choose not to work with me or give any sort of different answer.
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nicoleroman
Joined: 28 May 2008
Posts: 37
Debtcc Points: 549
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