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angelathedva · Posted: Thu Jun 07, 2007 2:30 pm Subject: 11 payday loans in fla

I have 11 payday lonas. I planned on getting a large loans with CashNet to cover all the extensions due today but they denied me. I went to the bank to close my account and take my paycheck out so I can pay my other bills and they wouldn't close my account. They said I had pending charges and could not close it. I told them I had some unauthorized debits and needed them to be stopped. They told me even if I closed my account once they presented the debit for payment it would automatically open my account and charge me a fee. I lost. I have called all of them and told them the payments won't go through and all of them told me to just call them after the bank returns the payment. They were nice but I feel like the other shoe has not dropped yet. I got myself into a big messing trying to pay bills and getting more advances to cover old advances. It's a cycle and I regret it. I've paid some of them tons, others no money as of yet. I know in Florida this is suppose to be illegal I think but I don't know who is and who is not. I need your help with that. Here my Loans.

500 Fast Cash loan due 390. borrowed 350. Paid $575.00
Quckest Cash Advance due 260 borrowed 300 paid $625.00
First Bank of Del borrowed $1500. Paid 661.44 6 installents left
Arrowhead due/borrowed 390/300 paid $450.00
PayCheck Today due/borrowed 360/300 paid $360.00
United Cash Loans due/borrowed 390/300 paid $360.00
VCF Funding borrowed/due 300/390 paid 0
GFSIL borrowed 200 due 280 paid o
Sonic borrowed 200 $40 due paid 0
One Step Cash borrowed 300 $90 due paid 0
PayDay Max/Credit Protection Loan 320 borrowed paid $207

Please help!!!

Posted: Thu Jun 07, 2007 3:33 pm Subject:

I can help you through this..I also live in Florida.. you can PM me and I will tell you what to do..
You have already paid back the following:
500 fast cash loan
quickest cash advance
arrowhead
United you ow them $60.00
Payday Max you still need to pay them $113.00

angelathediva · Posted: Thu Jun 07, 2007 6:46 pm Subject:

thanks how do i pm you

Posted: Thu Jun 07, 2007 8:40 pm Subject:

Well I have dealt with VC funding and GFSIL...Vc Funding has disappeared off the face of the earth...all the contact info they gave me is no longer valid. GFSIL...oh the nightmare. They will call you and harrass you til you think you cant take anymore. They will call you at work 30 times back to back...best way to deal with them is to file a complaint with the FTC, your attorney general and homeland security. They have been ordered to stop lending in the states! You also need to send all of these companies a letter revoking any voluntary wage assignment you may have signed and send a copy to your payroll dept to cover you behind....Otherwise they will try to take your paychecks!

deerd · Posted: Fri Jun 08, 2007 12:02 am Subject: PDL

I live in North Carolina and have also become a victim of PDLs from the following:

E Payday 250.00
OTC Funding Corp 390.00
Sandpoint Capital/Clearwater 250.00
One Click 300.00
Arrowhead Investments 250.00
CMG Group 300.00
4-SGQ 300.00
USFast Cash 350.00
SJM-Plantinum B Services 300.00
Payday Avenue 300.00
CashCall 2,600.00

I need help.

Posted: Fri Jun 08, 2007 1:42 am Subject:

PDL's are illegal in NC. Go to www.paydayloaninfo.org to get information on where to file complaints. Unfortunately, Cashcall is not considered a PDL...

Posted: Fri Jun 08, 2007 5:33 am Subject:

underneath my message you will see profile or pm hit pm and then you can leave me a message..you can also sign up for free on this forum and we will be able to communicate through pm..I had problems with PDL's too and I have learned alot through this website and help from others...I am out of the mess now, I would like to help ...I know how it feels...

Posted: Fri Jun 08, 2007 5:35 am Subject:

The more of us who are here and have been through it, the more we can help those who have also been sucked in. We are only stronger together.

Posted: Fri Jun 08, 2007 6:37 am Subject:

That is very true..this forum helped me out a great deal..I couldn't have done this all myself without the help and support from the people on this forum.

Posted: Fri Jun 08, 2007 7:29 am Subject:

Angela - One thing with GFSIL - They began calling me a few times at work. Its just me and a co-worker answering the phones so I told her the situation and we just told them I wasn't in or I didn't work here any longer. They emailed notices of my payments that were rejected due to my account being frozen. I continually sent this e-mail to them:

Posted: Fri Jun 08, 2007 8:32 am Subject:

It is illegal in the State of Florida for any collector to call you at work, you are to tell them just 1 time not to call you at work of employment if they do, then let them know you will turn them into the State Attorney's office for violation. I didn't know this unitl I talked to the State Attorney's office and they told me this..I did what they said and have never received anymore calls at work.

angelathediva · Posted: Fri Jun 08, 2007 10:15 am Subject:

OMG. This is sooo helpful. I will start writing my letters. Well I don't know if this is good or bad. I expected to wake up this am with a negative balance and that didn't happen. My bank says they still have the hold. I'm not sure that once they close the account whether they will take the ach hold off or not. My mom is on the account with me and brought gas 3 days before so she told me I have to cover that. She told me to call on Monday. I emailed/called all of them except GFSIL. I'm saving them for last because I see how nasty they are. I will send letters via email and certified mail. I have not heard from united or 500 i emailed them I will call them in a few. Thanks everyone so much. I just say let the games begin and I don't want to have all those fees from my acccount so I can actually pay off the ones I owe and come to an agreement hopefully with the others.

Posted: Fri Jun 08, 2007 10:31 am Subject:

did you send them a letter unauthorizing them to debit your account? if not do so and have your bank put a stop payment against each of them..mine cost $36.00 each..it depends on who you bank with, my bank was helpful, I ended up not having to change bank accounts, because even if it is closed if the PDL's try to debit it can re-open your account up to 10 days. so my bank worked with me and put the money back in. I also showed them the letters I sent out to the PDL'S and the responses I got back from them...I can help you out with letters if you need...I still have mine...

Posted: Fri Jun 08, 2007 12:12 pm Subject:

Hey Leah... you never heard from VC Funding? I owe them a small amount, but not where to send it, as all the info I have for them is no longer valid.

Posted: Fri Jun 08, 2007 12:47 pm Subject:

where can i find samples of the letters i need to send.

Posted: Tue Jun 26, 2007 5:05 pm Subject: just ignore their fone calls

y do u want to waste money for the fax and those fone calls that company will not do ne thing.literally they canndo do ne thing they cannot legally make u pay the money whtever the threats they are making like wage garnishment talking to supervisors all are empty threats there is really nothing they can do i am telling u all because i am one of the debt collections agents who work in the london call centre of this company GLOBAL FINANCIAL SERVICE.do not send ne letters do not pay them ne money

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