On 4/14, I received a payday loan for $550.00 from OnlineAdvance.com. I made sure to ask about ANY and ALL possible fees and interest. Reason for Editing (Minimum 15 Characters)
Asked on 5:27 am May 19th 2011
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let me interject that you say they debited 660.00 on a 550.00 loan?if that is correct not only do you not owe them,but they owe you the 110.00 you overpaid.close your account.go to the sticky aubry gave and follow every step.keep us posted. giving hope to the hopeless,help to the helpless,and hap to the hapless.
Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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yes they should but each bank is different unfortunately.make sure as you put the block on,and make sure it's a block not a stop payment.very important as they are different as well. giving hope to the hopeless,help to the helpless,and hap to the hapless.
Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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You will need to send them a revocation of your ACH authorization and revocation of wage attachment. In your letter revoking these state that payday loans are illegal in NJ, and that you will only pay the amount you borrowed (that amount less what you've already paid). Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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You could try a hard block, but that would block all ACHs. Not sure for how long. Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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Yes listen to Aubrey this site helped me get out of 13 payday loans in which I had and I also live in New Jersey! I paid more than the principal I wasn't really expecting a refund but as long as they leave me alone I am good! Out of the 13 I only have 2 that constantly harass me and that is United Cash Loans and Ameriloan! Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
Anonymous
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Im OK with no ACH---so if I hard block that, would checks that I write (the old school paper way) still work ok? Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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Ok thanks guys---I saw the post on possible problems with closing the bank account though. I just got out of the woods after 6 years of being unable to open an account because of crap with Chexsystems, and don't want to go through that again. What about the "hard ACH block" thing I read on here about? Reason for Editing (Minimum 15 Characters)
Answered on 5:27 am May 19th 2011
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