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aman · Posted: Tue Dec 11, 2007 7:18 am Subject: Now what?

I've closed my account. Now, do I need to send these compaines written letters or can it be done through email? Do I give the legal ones my new account information? Can the illegal ones then find out my new account?

Posted: Tue Dec 11, 2007 7:20 am Subject:

Aman, DO NOT GIVE ANY PDLS YOUR ACCOUNT INFO EVER

Posted: Tue Dec 11, 2007 7:38 am Subject:

Listen to Kash do not ever give out your new information and do not apply for another pdl again because that's how they can get into your new account.

Yes you can communicate through email I did. I also followed up with a written letter if I had a fax number. Make sure that you save any email correspondence that you get from them as proof.

ladybug

aman · Posted: Tue Dec 11, 2007 7:51 am Subject:

What should the letter say? How do I pay the outstanding balance on the legal ones without them getting my account information?

Posted: Tue Dec 11, 2007 8:02 am Subject:

pay by pre paid visa, money gram or any other method that does not let your personal info out.

Posted: Wed Dec 12, 2007 5:23 am Subject: r

aman, do you need a letter to use as a "guide" to send to the pdls? When dealing with legal ones, you need to contact them and tell them you no longer have a bank account, so they can no longer debit & you will have to have an alternative way of paying (such as what kash suggested - prepaid card or money orders). With the legal ones, you will just have to set up an alternative meathod of payment, okay? Do not give them your new bank account information (as kash also pointed out). Don't give it to anyone. As far as the illegal ones go, we do have a letter to use as a "guide" that you can send to each one of them. You can email it/fax it/ mail it certified to each pdl. I sent mine every way possible. Make sure you have documentation of EVERYTHING. You will want to do everything in writing so that you have documenation of everything. Telephone calls can not be documented, so try not to speak to these people over the phone. Use email or USPS only. Any questions, just post!

aman · Posted: Wed Dec 12, 2007 11:23 am Subject:

I would love a guide to go by. I haven't contacted the legal loan places yet. I am so nervous to do so. I'm afraid of how they will respond. Have you had any experience with this? Also I'm pretty sure I know which are legal in my state and which are not, but I want to make sure. I went to the state website, but cannot find on the site how to figure out if they are legal. Any suggestions?

aman · Posted: Wed Dec 12, 2007 11:26 am Subject:

Also, the ones I have paid over on, should I make an effort to ask for a refund or am I just wasting my time?

Posted: Wed Dec 12, 2007 11:39 am Subject:

What companies are you dealing with and what state are you in? We can help tell you if they are legal or not.

Refunds can be hard to get, but it's worth the try. Just know when to accept a PIF and give up on the refund.

Posted: Wed Dec 12, 2007 12:39 pm Subject: r

aman, please tell us again what state you're in and the pdls that you have. I can't find the thread that you posted the original information on.

aman · Posted: Wed Dec 12, 2007 6:28 pm Subject:

I live in MN
the ones I think are legal are:
ZipCash
Payday One
CashNet USA

Not sure about these:
Loanshop/DKS
MTE Financial
Geneva Roth Cap

Someone told me these were illegal:
USFastCash
GFS

aman · Posted: Wed Dec 12, 2007 6:45 pm Subject:

Should I file a complaint with the BBB and a State Agency when it comes to the illegal lenders?

Posted: Wed Dec 12, 2007 7:01 pm Subject:

MTE Financial and Geneva are going to be illegal...I am thinking Loan shop is too....

Posted: Thu Dec 13, 2007 4:45 am Subject: r

Loanshop/DKS
MTE Financial
Geneva Roth Cap
USFastCash
GFS

The above will not be licensed/legal in your state.

ZipCash
Payday One
CashNet USA

The above will be licensed/legal in your state.

GOUDAH, PLEASE VERIFY THIS INFORMATION FOR ME TO BE 100% SURE FOR AMAN.

aman, it is never a "waste of time" to demand a refund. What is it going to hurt? Please demand a refund for any of them that you have overpaid. However, just do not count on definately getting one. But it is always worth asking for. And, yes, please file your complaints on the illegal companies with the BBB, the FTC, and your state AG.

I know that goudah will be along soon to verify the legal/illegal ones for you so that we can be 100% sure. Please wait until we get her response before "putting it in stone". Wink

Posted: Thu Dec 13, 2007 8:05 am Subject:

Yes, Cannr, you are correct on the ones that are legal and illegal.

aman · Posted: Thu Dec 13, 2007 9:38 am Subject:

I'm so glad I found this site. Everyone on here has been such a tremendous help to me. Thank you all so much! Does anyone have a letter I can use as a guide to let them no they can't take my money from me anymore? THANKS again!

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