tukki, I have to say THANK YOU! That was very kind of you & it is well appreciated!

cynthia - Yes, send the letter even to the licensed ones IF you've overpaid. Only IF. But, follow goudahs great advice. Deal with the licensed ones first. The other ones can wait. And they will wait. I don't remember, you did do something about your bank account, right? So the pdl's don't hit again? Refresh my fried brain!

One question Paydayok I have had a $500.00 one for about 3 years. Sometimes it would go down to $100.00 then I would take out more. What happens in this case? Also Do I have to send registered letters to everyone or can I e-mail them?
Thanks again

E-mail them and they will e-mail you back. You have way overpaid that one, and I would be surprised if they didn't mark it as PIF. You can send them a letter as well, if it makes you feel better. I did. But, a day or two after I sen tthe e-mail...I got this.

Oops wrong one...doesn't matter, though. Same place.

Ok I have a hold on my bank account. To be clear what letters do I send to all these compnay before they go in default? I know the one to stop accessing my account but what other one? I can't believe I might be in the clear soon Thanks for all your help!!
Thanks
Cindy

Hmmm. I don't know, mine were sent after I had already defaulted. Someone else might know the answer to that. Possibly the same letter, but I don't want to tell you wrong.

cindy, you can use any letter you want. I personally used ONE letter and covered everything under the sun in it. Just tailored it to fit each individual pdl. I stated my state laws, the amount of the loan, the amount I paid, what they were owed legally by my state, I revoked their privilidge of debiting my bank account any further, I revoked any wage assignment I may have signed with them, I revoked their privilidge to contact me via telephone at all - only corresponde through email or USPS. If I overpaid, I demanded a refund. If I paid my state legal amount, I demanded a paid in full marked. If I stil owed towards the principle, I stated I would send that & that amount only & only if they gave me a physical address. So you can just use one BIG letter and cover all the bases. It's easier! I emailed/faxed/and mailed the letters to them all. Sometimes you'll get a respone through email pretty quick. But I like to cover my butt. I emailed/faxed/mailed everything.

I did the same thing, Cannr. One big huge letter/e-mail/fax. So it looks as if it's no different before defaulting than it is afterwards.

OK paydayok just sent me a letter stating Paid in ful. That seemed to easy. I was going to ask them for a payment plan. Thanks to you I down!!

Congratulations! The first one always gives you some extra energy to fight the rest of them!

Congrats cynthia! Now you're a step ahead of me!

I thought I was great becasue Cashnetusa and paydayok I was going to do a follow up saying I would do payment plans for these 2 because I didn't think I paid enough. Again thanks so much...

cynthia - big hug from the forum! Good going! I'm glad you're getting results!

Thanks! Cash2day4u is already calling about my next payday. but I sent a letter what should I do? I'm not in default yet. They are calling my work asking if I would like to pau onlu interest charges. It's not due untill 8/2/07.
Thanks
Cindy

cindy, if your bank account is CLOSED and cash2day can't get their money, you're okay. Since they keep calling you at work, just tell them "I am not allowed personal calls at work" and hang up. They will call and call and call. If they get desperate, they will send an email. Do not give them any more money. Don't even give them a chance to SPEAK to you. Tell them you can't take calls at work and hang up the phone. Eventually, they will stop. But be sure they get no more money. You're fine. They're just hounds....