i wanna thank everyone, ive just found this website and i love how knowledgable everyone is. hopefully my road to being debt free wont be that bad, to many calls ill change my number, my only worry is they'll call my job but the number i gave them is basically a phone tree number of a huge hospital...the companies ive borrowed from are zip19 which ill pay off, discount advances which ill pay off, united cash loans ill default on principal was $650 and ive paid $195 in fees,ameriloan ill default on principal was $650 and ive paid $195 in fees, and the vip loan shop which the principla is $1000 no fees paid. wish me luck!!!
Posts: 1040
Credits: 15055.3 Send message to Steve Barris
Seems like most of your lenders are illegal. In case you have borrowed from an illegal lender, you need not repay anything more than the principal amount. You will also need to close down your bank account and open a new one immediately. Make sure the accounts are not linked in any way. That should be your first step. As for repaying the lenders, do not pay a cent over the principal and whenever you do pay, remember to only do it via prepaid debit card or money order. It would be also effective if you file complaints against the lenders with the AG's office and the FTC.
To keep them from calling you at work, inform the reception or your supervisor to ignore such calls as they are entirely illegitimate. Do not fall for empty threats like being charged with fraud or arrest. They are entirely baseless. Debts are a civil matter.
United cash loans, Ameriloan and VIP loan shop are illegal lenders. You owe principal only. No need to pay them an extra dime other than the principal. Close down your bank account and open a new one. Ask them for a refund, if you have overpaid them. Visit the following link to know how to deal with illegal lenders:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
Debt Samaritan
Posts: 5223
Credits: 71492.216580171 Send message to OhioGal1
I saw your other thread with waffles. Keep in mind that all of your loans are offshore/tribal and illegal.
If you have had previous loans that you've paid off, make sure you add up all the deposits vs. all the withdrawals for each. You may not owe a penny more on some of these.
And pay them back on your own time. Don't let them dictate when you should pay and how much.
I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.
Posts: 13
Credits: 380.6 Send message to mlminnix
thanks so much i plan on closing my account beginning next week ( not scheduled to pay back til sept 27). going through my account ive realized i only owe ameriloan $45 and the rest well i wont be asking for a refund. ive made my bed ill lay in it but i will do the appropiate emails and notifications to people.
Posts: 4159
Credits: 44181.113946819 Send message to kscornell
Great! And remember, if you work in a hospital, tell these bloodsuckers if they call that they are impacting patient care and will be sued if anything happens--then HANG UP.
Posts: 13
Credits: 380.6 Send message to mlminnix
my bank wont let me close my account whatsoever so what do i do now???ughhh if its not one thing its another
Debt Samaritan
Posts: 1615
Credits: 27800.996968079 Send message to waffles
You need to revoke ACH and file disputes with your bank's ach department. Call the 1800 number for the bank and ask to speak to a claims specialist. If the bank continues to process revoked ACH transactions it is their fault.
How to deal with illegal lenders, courtesy of OhioGal
How to write a proper debt validation request, courtesy of SOAPLADY
How to deal with a Collection agency contacting you for PDLs
Posts: 13
Credits: 380.6 Send message to mlminnix
ill keep you guys posted im gonna go tomorrow and talk to my payroll, open up at new account at webster, then i think im gonna go to a different branch of chases (my current bank) the guy at the branch i went to seemed confused about the whole process....
Debt Samaritan
Posts: 16512
Credits: 287361.33037717 Send message to SOAPLADY
You need to make sure that you are talking to a branch manager...not a teller or personal banker.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
Posts: 13
Credits: 380.6 Send message to mlminnix
that is finally all mine again!!!so i originally did speak to a manager but i went to a different branch for a "second opinion" and they were way more helpful and closed my account which was verified today when nothing went in or out of my account. yay!!!!now just waiting on what happens with these emails i sent out.
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