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Posted: Thu Mar 06, 2008 11:27 am Subject: The newest Payday Loan scam!

Recently there has been a hidden "identity theft protection company" hiding in the internet payday loan applications. When the money is deposited into your account you are hit with a membership fee to this company. They will continue to take a fee every month unless you cancel. When you cancel they refuse to refund the initial fee of around 35.00. So when your loan for, lets say, 200.00 is due and you pay the 260.00 or so. You really only got a 165.00 loan! What if you had to come up with 200.00 to cover a check. Now you are really screwed. You have to file a fraud claim with the bank that takes weeks and you might not win if you signed electronically and did not see the tiny hidden line in the contract. Another reason to steer clear of internet lenders.

Posted: Thu Mar 06, 2008 11:44 am Subject:

I am sure its in the "fine,fine" print...if even at all! Sad

Good post Frog!

Posted: Thu Mar 06, 2008 12:08 pm Subject:

I was hit with something like that but for a larger amount...my bank did refund me...but they said read the fine print which is hard since they do not put in bold print or in neon lights....thanks for the reminder!!!

Posted: Thu Mar 06, 2008 12:15 pm Subject:

I got scammed twice by these people after Christmas when I was trying to get an IPDL. The first company debited my checking account for $37.00. When I saw the unauthorized charge and knew I didn't make it, I hunted them down and called them to have it credited back and asked how they got my private info in the first place. They told me I had signed on as a subscriber to their program for ID theft. How ironic is that??? Scammers selling ID Theft packages. I hit a dead end with the so called Manager and my bank credited the money. Two weeks later another charge for $149.00 was debited. The company is called Access2 Benefits, or something like that...when I tracked down the contact person, found out he is out of Clearwater FL and said I would have to submit a complaint form and it would take 30 days for my acct. to be credited. The bank stopped payment but I was charged $35.00....shortly afterwards the bank closed my acct....a blessing in disguise.

So yes...these predators will stop at nothing to wreak havoc and ruin innocent unsuspecting people.
If you fill out a PDL application, you will be taking additional risk because if they have your private banking info...you're at their mercy!
Sad but true...

Posted: Thu Mar 06, 2008 12:17 pm Subject:

OPPS...sorry, I didn't mean to submit this 3 times, I didn't think it posted! Confused

Posted: Thu Mar 06, 2008 10:39 pm Subject: pdl

'Access to Benefits?'..is this the name of the PDL? I haven't seen that name 'pop-up' anywhere ( on ads on my PC), but, I'll be looking for them. Thanks.

Posted: Fri Mar 07, 2008 2:24 am Subject:

Posted: Fri Mar 07, 2008 8:58 am Subject:

My Access 2 Benefits appears on my bank statement as , MYACCESS, 800-418-0776. They took 149.00 out it was stopped. The other one is www.idprosup.com, 31.98, and www.pdssup.com, 6.98, I believe these 2 are the same. Both claim to be ID Theft protection companies and said I authorized them to debit my account when I signed up for their "membership subscription". Hogwash! They are both BOGUS SCAMMERS!!!

Posted: Fri Mar 07, 2008 10:41 am Subject:

I am soooo done with Internet loans, my gosh did I ever learn a hard lesson. I am still paying off a store front after I asked for the epp, but two more payments and I vow to be done 4-ever with pdl's. I've said it before but this time I mean it. I hope! Confused

Anyway, this is good information to know. Thanks for posting it.

Posted: Fri Mar 07, 2008 1:48 pm Subject:

I am not surprised by the people who have been victims of this on here. It is becoming more and more widespread it seems.

Posted: Fri Mar 07, 2008 5:15 pm Subject: pdl

We ALL have learned a lesson. If the people, on this forum, din't want to try and handle their issues, with PDL's, they wouldn't be here. Congrats to everyone, who are trying to solve your issues, on your own!! I know it's not easy. 'Been there-done that."

Guest · Posted: Fri Mar 07, 2008 8:25 pm Subject:

Amen to that...I immediately felt at home here because I wasn't judged for making monumental mistakes and unwise decisions. I was embraced by people who have been in the same situation and can offer sage advice on how to conquer the demons and find a peace of mind while taking steps to find financial independence.
Sometimes, we can't always learn from our own mistakes but will listen to other people in the same boat and see the light! Wink

I have...and I'm sleeping much better! Smile

Posted: Fri Mar 07, 2008 8:28 pm Subject:

guest, thank you for that post! It's so nice to hear you say that you felt comfortable here. That's the goal. We do not judge, as we are all the same here. We are here to help you and anyone else who comes here with a desperate plea for help towards a "normal" life again. Thank you for coming here, and please, always feel welcome. You are among friends here.

Posted: Sat Mar 08, 2008 5:31 pm Subject: www.idthecs.com

Tese people also debited 31.98 from my account when I applied for a loan. Fortunatley I didn't need the loan after all. Well anyhow 3 days later my account was hit for 31.98 and I contacted my bank letting them know this was all fraud I also filed a police report and contacted the FBI Internet Fraud Unit. My bank reversed the charge and haven't heard from the company since.

Posted: Sat Mar 08, 2008 5:34 pm Subject: update

I just checked the website and it's suspended

Posted: Sun Mar 09, 2008 2:30 am Subject:

just a side note..Los Angeles Times had a huge article in paper today about California cities trying to put PDLs out of business and get them out of their towns..
mentioned how they had caused many military employees credit problems... r.e. re-enlistment etc.. and how military promptly enacted a no interest rate loan program to prevent military personnel from using pdls ever again....
it was a great story ...any one here can access the la times on a google search if interested in report....once again good luck to all!

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