Hi all, checking is with my latest update. This may be a bit long winded since i only have one more pdl to hear from and i am doing a recap for Beth.
I received an settlement offer from Oneclickcash! Happy Dance~~~
Wow, i'm amazed i heard from them. Way to go BBB!! I have overpaid them $22 and they offered to mark my account PIF if I send them $155 by tomorrow via moneygram. I realize this is an overpayment but from what i have read about them on the forum, I am taking the settlement offer just to be done with them and i will consider it one more victory under my belt! Seeing what others have overpaid to these people, $155 seems like a bargain! lol.
Beth, you were interested in what i did to get my PIF's and refunds. I consider myself VERY lucky. I started out simple, just wanted to 'get my feet wet' so i chose one pdl and emailed them using a letter suggested here on the forum as a template. Paydayok and Paydayselect seemed to have the best record in PIF's and refunds so i contacted them first. Paydayok settled with me in a matter of days. They first offered to give me a PIF and i replied restating points in my first letter including the amount i overpaid and demanded a refund. Success! PIF and $250 refund.
That gave me such a boost that i started emailing the rest and when i didnt hear anything after a week, i emailed them all again and again until i got an answer. Bug them as much as they bug you!
I also began filing complaints with the BBB. It is so easy, there is an online complaint form, just fill in the blanks, state what you basically told the PDL's regarding overpayments, state laws, and what you will settle for, etc. You will be amazed how fast that puts those crooks into action! lol.
Thats all i've done so far, but keep in mind, up until i began fighting them, all my pdl's were up to date, (none had defaulted).
So far the only one i havent had a response from is usfastcash but the BBB gave them until the 21st to respond so i am waiting patiently.
I have decided to payoff needspeedycash since i only have a $80 balance and havent yet overpaid them and i am going to payoff National Payday with my refund check from paydayok since i have read here that they are a absolute nightmare to deal with and i still owe a small amount on the princple.
So far the score is Debtconsolidatonforum & me 5, PDL's 0! If i get a PIF from usfastcash, it will be a total wipeout for the pdl's!!! This site has saved my sanity and my paychecks!!
Do a lot of reading on the paydayloan forums and the success storie forum. Do searches for the pdl's you have by name and you will learn who will work with you and who you might need help with. Most of all, don't be afraid to ask questions, thats what everyone here is for. Before you know it, you will be telling your own success story and helping out the next victim of the evil pdl's!!
If i could, i would have a big thank you party for everyone here who has helped me, I raise my glass to you all!
PIFs! 4 down in 10 days, I have Usfastcash and Oneclickcash left to deal with. (Nationalpayday i have only paid $150 on a $300 loan and have read they are impossible to deal with so i will probably pay them off with the refund i get from paydayok). But, things are so much better already, i actually have money in my bank account!! Wow, what a feeling, it makes monday mornings so much more pleasant, i don't even mind coming to work! hehe. 
But that's okay. I have my paycheck and they can't keep sucking me dry anymore. Your MTE ones might/might not go well. They don't cooperate with me; however, others have had good luck with them. Let's see if they like you! LOL! You keep up the hard work! You're going great! Any problems, just post!
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