Hi cannr & sassnlucy!
Good news & questions still unanswered.

I have been trying to contact bank magr. and talked to another person in finance and that is what she told me. I will, however, try & call mgr. tomorrow...he's out alot!! I even left a message and he did not return my call.

SassnLucy, what did you mean when you stated that I would have a serious problem with my bank account?
I feel that because of the laws of Colorado, I cannot close the account, so I stopped my Direct Deposit , have $25 in the account, they go NSF, after after they all hit, then I just close the account.
When I get paid on my due dates, I pick up my check from work, and open another checking account at the Credit Union this time, rather than a bank.

Ok, now for ONE PIECE OF GOOD NEWS, without ANY problems. Out of the 3 storefronts, I was only able to talk to one of them; the other 2 will be in tomorrow and I will call them.
I called Mister Money, explained to them my financial hardship and my payment will be due on 7/31, and I wanted to pay what I owed, and would like to set up payment arrangements.
The very nice young lady, was very helpful in doing this, without anything negative whatsoever. She said they would have to submit it one time & when it returns, they would not try again. My schedule is 3 monthly payments at $146.25. I owed them $423.75, but they added on a $25 NSF fee.
So one out of the way! I CAN & WILL pay this without a problem.

QUESTIONS: Do I send ALL of the internet pdls the wage & debit letters???? Plus, the Do not call me at work letter??? Even B.I.G. and 500Fast Cash and CashNet (legal), who I will be calling tonite? or not them??
DOES Anyone have fax numbers to ANY OF THESE????
What is the BEST way to send, seeing payments are due on the 31st, Tuesday.????

I'm sorry to ask so many questions. But I want to do all this before the due date of 7/31!!

Many, many thanks!

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sandi, it sounds like you have your bank account handled. I just didn't want you to leave all your money in it and have all these places take it all from you. I actually couldn't close my account because it was negative due to the pdls and it got charged off now I owe the bank which was ok with me, because I got my check deposited to another account too. I just hate to see you get all these NSF fees because the bank won't do a hard hold but hopefully you can get that taken care of. Great job on the storefront! I hope the other two are as cooperative!
I would go ahead and send those letters out. I have a fax number for 500fastcash I can give you tomorrow if nobody else posts it tonight. I personally sent mine through fax and email both and they all received them and responded. I didn't deal with B.I.G. though so I don't know if they respond but 500fastcash and Cashnet did. Don't apologize for asking questions. That is what we are here for

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__________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.

Sassnlucy...you're so nice!
Wow, just think, this paycheck, I can have MY money to MY bills..But at least I can have money again to pay them! instead of being in this trap and paying all this money. I hope & pray it all works out and nothing bad happens along the way....I feel more confident, but still carrying the "scared" feeling somewhat. ya know...

Ok, so you dealt with 500FastCash and Cash Net, did you call and explain to make the payments arrangements and did they? The after you called, you sent the letters, right? What letters, the Wage Revocation & ACH Revocation and perhaps, the "Quit Calling Me at Work" one, or???? Do they have to be separate letters or can it all be lumped together into one??

The one that is illegal (BIG Ltd), I am sure they will call, what do I say to THEM??
It was all done over the phone. I have no paperwork.
I can't remember who gave the address cannr or Goudah but the overseas operation uses the Reno address, is that where I should send these letters to????
After, I take care of all this immediate stuff, I am send the BBB, FTC & AG letters on this one. Should I write to them on 500Fast Cash?

I am about to call CashNet Now.
I WONDER how this will turn out?
I will keep you guys posted.

In case anyone wants the address & phone numbers:
CashNetUSA
P.O. Box 06230
Chicago, Il 60606

Customer Service : 1-866-327-9078
Collections: 1-888-801-9078
General Fax: 1-866-326-5865

I await any precious answers!

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Okay, I don't have to call CashNet now, Payment isn't due until Aug.16...so I can take a breather on that for a bit.

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sandi, sass was just trying to make sure your bank account was covered. I think she was afraid that they would keep charging you NSF fees and put you in the negative and then you wouldn't be able to close your account. But, apparently, you have the "hold" on your account so no bank fees will be assessed. Cool. You're on the right road! Sass has dealt with 500FastCash. She can get you the contact info. on them. I haven't dealt with them. As far as BIG is concerned, use the Reno NV address I gave you. It won't matter, but use it. They are overseas. It's just a "front" for a US address. If you need the info. again, let me know. I've got it. And they will call you. Hang up on them. I'm not joking. Tell them not to call you anymore and hang up. They will get tired of it after awhile. Send the letters, all of them, or one big one including everything, to 500FastCash and BIG. They are the illegal ones. Revoke everything with them. CashNet is legal, so don't threaten them with anything. But you can send them something stating for them not to contact you via telephone at your place of employment or your home and to only contact you via email or USPS. That shouldn't be a problem. Just don't push the line with the legal ones. I'm glad you had a good experience with Mister Money. One less worry off your mind. The other two store fronts might also be willing to work with you. Don't be surprised if they also have to turn the check in once and have it returned. It kind of works in your favor. They don't get the money, so they work out a repayment plan. Like I said, if you need the Reno, NV info. again, let me know. And please do not be afraid to post any more questions. You're doing good. You're getting your stuff taken care of before the due dates. Just remember, you can put 500FastCash and BIG off for a bit. Just send them the letters. They'll ignore them, but send them anyway. Just make sure the legal ones are in order. Don't want anything nasty to happen to sandi! Post any questions or if you need more info!

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Such nice comforting words--
More great info to add to my knowledge. It's like going to an online university!

No Holds at the bank....they said they couldn't do it unless there was illegal debits being taken out of my account. HOWEVER, it wasn't the Bank Mgr. who said that, he was out, so a lady who was also in the same dept. said they were not able to do any hard holds, deposits only....anyway, I decided once the nsfs go through and I pay them the fee, I am closing my bank account with them after 7 years. I am going to join a Credit Union.

And I have the address you gave me from the other posts for the BIG Ltd. one. Yeah, they BIG all right...BIG PHONEYS!! So I will just wait for their call and will happy to say, "don't call me anymore, please refer to my letter I have sent your company"! and hang up!!
This is all really very exciting! I can have my life back and have some money in my pocket! but can spread out the payments!!! I think I would have ended up insane the other day, if I didn't just happen onto this site!!!!!!!!!

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sandi, I'm glad you're sounding so positive! That's the way to be! I'm really sorry your bank is being stupid though. I am just in awe over some of these banks. I'm so glad my bank wasn't like some of these others. They're so full of crap. I just hate that you are going to have to pay NSF fees. They can really add up. Just more money out of your pocket. It sucks. But at least you've got your other account going. And things are going your way so far. That's good. We'll wait to deal with the "ugly" internet ones next. LOL! BIG isn't even enough to actually worry about since they are so illegal. The other one, well, they might try to give you a hard way to go, but I can tell you're up for it! Keep us posted!

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Should I just close the bank account immediately after the storefronts go through??? That way the nsf charges won't be so much, but I guess I have a snag, because Cash Net isn't due until 8/15....do you think I should call them now???

Well, if the illegal ones are ugly, HOW UGLY CAN THEY GET??? You mentioned not to worry about BIG, so is 500FastCash a huge pain???

As you see I am getting armed and I'm ready for the fight....but can only do it with this community help!!
Have a great night....I must get some sleep!! Check back in tomorrow.

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sandi, personally, I would contact CashNet. Tell them the situation. Tell them your bank account is all screwed up (tell them whatever) and that you need to make payment arrangments. They certainly can't say you didn't contact them! LOL! You'd be calling WAY before the due date! But since they are legal, go ahead and try to work with them. If they agree to a payment plan, close that account out. But talk to them first. Did you tell the store fronts the checks won't clear? As for the internet ones, like I said, BIG is no "big deal". LOL! So illegal, but they will hound you to death by telephone. Just do what we discussed. Hang up. 500FastCash - I don't know. I haven't had to deal with that one. However, they are an illegal pdl. They'll try all sorts of tactics with you. It's not too ugly. They come full force in the beginning, but then they slowly fade into the background. Just expect phone calls. And maybe some threats. Illegal threats. And arguements. But you'll be right. But they'll argue. Lord! Love them all! Contact CashNet and see what you can do about them. Might as well get it over with. You have to do it sometime! See what they say. We just don't want your account to get hit with a bunch of NSF charges and you have to pay them all. That just sucks.

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I only was able to contact one local storefront today; the other two locals, I will contact tomorrow, as the managers, that I know very well, by doing business with them for almost 2 years!! So hopefully they WILL work with me!!!
So the illegal ones are a pain....hmmmm....if they call so much, maybe I'll just change my phone number and IF they call me at work, seeing I am the one that answers the phone, I'll just hang up on them. Tell them I have contacted the AG's office, as I sent them a letter not to contact me except via email or USPS.
I CAN and WILL play the game with them. I always play fair and square, but I will show no respect with people who are doing things illegally and that are literally robbing people of their hard working money.
So that is where I leave off here tonite.
Again, cannr, thanks for all your advice.
Becoming a survivor of the pdl trap!!
8)

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Sandi, thanks for the compliment; you are sweet. I never called any of these places. I emailed and faxed them letters. I don't trust any of them and refused to talk to them over the phone because I wanted anything they said to me to be in writing. 500fastcash never called me. They emailed me and accused of sending them a form letter as many of these places will and they also sent me a letter in the mail. I only owed them $20 in principle. They actually left me alone after a couple letters. I never heard from them again; however, it seems like this particular family of companies, MTE, has been really nasty to people lately. But at least they didn't harass me much.

As far as the letters, I lumped everything together into one. I would be glad to share the letter I sent with you if you need some ideas. It covered everything from revoking wage assignments, do not debit my account, do not call me, and do not call my work or my references, as well as I am reporting your a$$!!!! One letter will be sufficient, you might just have to send it a couple of times to get the point across.

As for B.I.G., I dealt with one of their dba's before coming to this site and I paid them a ton of money. From what I have seen on this forum, it is best to not even talk to them. Ignore them and they will eventually go away because they cannot be reasoned with.

Absolutely file those complaints, yes, even on 500fastcash. They need to be put out of business as well and there is power in numbers. We won't be heard if we don't complain.

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__________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.

Thanks for your offers to send the fax number for 500FastCash and also the all in one form letter. I would soooooooooooooo much appreciate them. I am going to work now, so I'll catch them later.
Thank you kindly and have a WONDERFUL DAY!

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You have to be persistent with the bank - Print out some of the threads from this site and explain to them that these companies regularly with try to fraudualantly debit accounts.

The problem is that you are thinking 1 nsf fee each, no a huge deal. The internet companies are going to debit and debit, and then split the debits. They will do 20 $5 debits for a $100 payment. So that is 20 nsf fees. They aren't going to pay any attention to the revokaction letters, that is more so that you can have the bank reverse the mess they cause.

I would do a search on this site for Route 66. They are BIG. You will get an idea of what to expect from them . . . . They are the worst.

But keep your head up, there is light at the end of the tunnel! You will make it though, you've already got one of the storefronts set up, so you are off to a great start! Keep us updated!

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To cannr, Goudah, SassnLucy and all the other help I've gotten....BECAUSE IT IS ALL WORKING FOR ME SO FAR!!!! BECAUSE OF YOU GUYS!!!!!!!!!!

Great news today!!!
I was persistent and FINALLY talked to my Bank Mgr., who knows me from 7 years being a customer; anyway...I explained my situation; he said yes they are familar with PDLs who are wiping people's bank accounts dry!!
He set up an appointment with me for Monday to sign a few forms. My checking account will be frozen to any fraudelent activity I tell them about; I am 100% protected. He said, of course, the legal ones that do come back, of course, I would be responsible to pay for nsf fees. I said...NO PROBLEM!!!!!!!!!!!
So this should be good as far as the bank and not getting slammed by a hundred gazillion dollars in NSF fees!!!

SECOND GOOD NEWS!!!
ALL THREE OF MY LOCAL STOREFONTS WILL ACCEPT MONTHLY PAYMENTS. One is over 3 months, another is over 6 months and the third will be discussed when I stop in. I guess because I have given them sooooooooooooo much business and know them so well, that this wasn't a problem!!!

WHAT A RELIEF!!!

So a BIG, HUGE THANKS to you guys for this great information in just a matter of days-----I FEEL ALIVE!!

TO ALL THE NEWCOMERS TO THIS SITE:

Read as much as you can regarding your situation,LISTEN, LISTEN, & follow directions by the people who are knowledgeable and have been in the same situation as you. They know ALOT!!! And will help you!
Don't give up!!!!
Pay attention to every last detail. Get yourself a notebook and write down everything, such as dates, phone numbers, people you talked to, etc. ANYTHING that pertains to your pursuit of FREEDOM FROM PDLs!!!
Gain your sanity, life and money again!! Just relax, take your time in learning and believe me, It WILL work out!
I just started to ask questions, starting on 7/23 joining this Community and heck today is the 27th and I FELL ALIVE AGAIN!! So I got to work things out in just 4 days! It's not complete yet...but 4 days ago I had not one idea what to do or where to go. So hang in there!!

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Oh my gosh, Sandi, I am SO happy for you!!! I am so glad that the storefronts are being so cooperative!! Not to mention your bank, WOW!!!!! I cannot tell you the smile I have on my face. I love it when people come here to get help and they have such good luck! This is so encouraging for others that come here and feel like they have no hope. I hope that you have a wonderful weekend now that you have less stress! Take care and please stick around!! Your experiences will be so helpful to others.

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__________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.

You bet your life I will stick around!! Because more people certainly will be coming and they will need help and I dislike con-artists and theives!!!!

Oh yeah, you mentioned me yesterday you would forward the fax number for 500Fast Cash and also the all-in-one letter. Would you have the time to do this sometime over the weekend? You are always so busy! But I am so happy you have been there for me!!

I will definitely be having a great weekend. Such a load off!!!
And may you also enjoy the weekend! And I will be in touch, as this isn't all over yet.
May sunshine always stay in your corner!

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