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 Posted: Wed Oct 10, 2007 9:10 am Subject: I might have over paid Geneva Roth
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Hello I am from Philadelphia, PA I have five payday loans that I would like to consolidate. I believe two of them I have over paid on them. One is Geneva Roth Cap I opened the account on 03/28/2007 and have paid 90.00 biweekly since they have taken as much as 50.00 in addition to the 90.00 twice during this period. The middle of September I ran into not being able to pay my payments and had to have my account closed because of fees. Now the Geneva Roth is debiting from my other account with out my authorization. I have not given them the authorization to do this I would like this to stop and I need your help to stop them. Also I have another pay day loan that I believe that I have over paid from Electronic Payment PDL the original amount was taken 04/03/2007 for the amount of 300.00 I have paid them 90.00 biweekly since that point and at times more. How do I know if I have over paid. Please help me with any information you may have. The other three were taken out in July and August 2007 and are listed below:
BIG LTD. 08/14/2007 250.00 paid 80.00 per pay biweekly
Net Cash USA 07/23/2007 500.00 paid 150.00 per pay biweekly
Pay check Today 08/24/2007 300.00 paid 90.00 per pay biweekly.
Please help Thanks in advance for any information you can provide me.
Sincerely,
Stressedmother of three
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fahameshac
Joined: 10 Oct 2007
Posts: 1
Debtcc Points: 65
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Posted: Wed Oct 10, 2007 9:15 am Subject:
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PA has a "loophole" in it's laws that allow internet based companies without a physical location in PA to lend under another state's license.
That being said, I don't think any of your loans are from licensed companies. That would make them illegal. They would be due principle only.
This bank situation - Was the other account at the same bank? Could you elaborate a bit about this?
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goudah2424
Moderator
Joined: 31 Oct 2006
Posts: 8007
Debtcc Points: 111673
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Posted: Wed Oct 10, 2007 9:37 am Subject:
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Goudah, I may be paranoid, but wasn't it also Geneva Roth that hit the other posters new bank account. They were the ones that told her when she questioned it they are working with some assoc. that gives them new banking info
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5458
Debtcc Points: 38911
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Posted: Wed Oct 10, 2007 9:43 am Subject:
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Yeah, Geneva Roth is the one that usually does this sort of thing. What that means is that they are willing to spend some money to "find" you.
_________________
How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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goudah2424
Moderator
Joined: 31 Oct 2006
Posts: 8007
Debtcc Points: 111673
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Posted: Wed Oct 10, 2007 8:17 pm Subject: reply
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If this person is also dealing with BIG, shouldn't we address the wage assignment issue here?
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9372
Debtcc Points: 124815
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Posted: Thu Oct 11, 2007 6:12 am Subject:
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Geneva Roth is the WORST company to deal with. They believe that if you have another bank account, and they can somehow find the number, they are able to debit that account.
I'm not sure how they find it...but in my case, I stupidly applied for another PDL (I didn't take it) and it must have been with a sister company because when I called them to complain, they said "well, you applied for another loan".
Good luck dealing with these vultures. They will debit your account as GR, and then when you dispute it with your bank, they will come back as Check Resourses or something like that.
Hope you can get it resolved.
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stac88
Joined: 02 Oct 2006
Posts: 58
Debtcc Points: 2394
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