Response from PDL

i would just respond by re-sending your e-mail with your state laws demanding a refund.use that in response to all e-mails from them.

I did that with US Fast Cash. Just kept responding to their e-mails by attaching my original letter to theirs and sending it back to them. After 2 months of this, they stopped e-mailing.

None of the PDLS had my home phone number, and I changed my cell phone number so they couldn't contact me that way. Two called my work and I told them I couldn't get calls.

It took about 4 months, but I now get no calls, e-mails, mail.

Peace of mind; PRICELESS.....

Wow, they are really there to work with you...and get into your new bank account to boot! Don't fall for it. Tell them your account IS settled, you've paid double what you loaned and the only thing you will accept is a PIF letter! Anything less, and you're going to Jerry Brown's (California AG) office!

Point out the obvious that you have already paid DOUBLE what was borrowed and not only is the account PIF but that they owe you another $600 refund.

i agree and the phone calls really do stop.. i mean once in awhile you might get a stray call but the harrassment does not last forever.

VIP Loan Shop WILL accept money orders. I reached an agreement with them today. I thought this was the best option and the only one that would keep them out of my bank account.

Ok here is the offer from Intergrity please advise me on what I should do. I owe them $300 of the principal,. I think I can pay this on Jan. 8 with no problem and this would settle 1 more, leaving me with Unitedcash, Oneclick, norstar with remaining balances. Discountadvance and VIP owe me.

Dear Ms. / Mrs.

We are responding to your communications with Integrity Advance,
regarding your loan, which has a current balance of $825. We
consider this to be a valid debt. Integrity Advance takes its obligations
to comply with all applicable laws very seriously and expends significant
resources to ensure this.

Integrity Advance makes short term consumer loans pursuant to licensure
and regulation by the State of Delaware. Integrity Advance does not
maintain a business location in California. Integrity Advance does not solicit
customers in California. On advice of counsel, Integrity Advance maintains
that the choice of Delaware law as controlling in the loan documents
would be upheld, as all significant contacts in the loan transaction
occur within Delaware.

Despite our position stated above, and without obligation to do so, in the
interest of resolving this matter without escalation and further expense,
we are willing to consider this matter resolved once you have complied
with the terms of the settlement offer below.

Settlement Offer

Integrity Advance is making a onetime limited offer to release you from the
outstanding balance of your loan ($825) only upon receipt of $350 received no
later than January 8th 2010 and satisfactory evidence that your filed complaint
with the Better Business Bureau, California Attorney General's Office and Federal
Trade Commission has been resolved along with the attached signed Confidential
Mutual Release Agreement. Please fax the signed release to our Customer Service
Department at (800)616-0533.


******PLEASE SEND US THE SIGNED RELEASE NO LATER THAN DECEMBER 11, 2009 . IF WE HAVE NOT RECEIVED THE SIGNED RELEASE BY DECEMBER 11TH 2009, THIS SETTLEMENT OFFER WILL BE AUTOMATICALLY REVOKED AND WE WILL CONTINUE TO HANDLE YOUR ACCOUNT PURSUANT TO YOUR LOAN AGREEMENT.******

I'm certainly no expert, but if you can pay it no problem, I'd be inclined to think the extra $50 is worth piece of mind.

The 300 does not include the NFS fees.

for one you owe them 300.00 not 350.00.two what do they need you to sign a release,they are illegal.there is an ultrerior motive there.again you only owe 300.00,they are illegal,and shouldn't have you sign anything.you didn't have to when you took the loan.bottom line proceed with caution.

Look at the thread titled "Highly Confidential Settlement" or something like that - you should get some ideas about how to deal w/Integ$%#y there.

I got the same type of " highly confidential settlement" from Iadvance.
As for Vip Loan Shop this is what I got:

"Hi you have a balance on your account that has not been paid please call to make arrangements to avoid being sent to 3rd party collection we do offer diff payment plans I can also offer you 30% off the balance we no longer work with PDL companies."

i would never give them the extra $50 for a peace of mind.. they are illegal and all you morally owe is what you borrowed. i would not sign a thing.