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 Posted: Mon Sep 10, 2007 11:11 am
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Hi goudah! Well I did all of the research & here is what I've paid out so far...
Eastside-loan 600.00 have paid 837.50
NLS-loan 375.00 have paid 340.00
VC Funding-loan 300.00 have paid 540.00
Payday Cash Link loan 300.00 have paid 180.00
ACC-loan 300.00 have paid 405.00
Upfront-loan 250.00 have paid 375.00
Zip Cash-loan 500.00 have paid 450.00
One Click Cash-350.00 took out on 9/6
Hubby & I went to the bank at lunch. Wells Fargo couldn't close the other account until it's at a 0 balance. However we were able to open up a new account & will have hubby's paycheck direct deposited into that account while I use mine to get the negative balance taken care of. What's the next step?
Thanks, Lisa
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lmk3524
Joined: 06 Sep 2007
Posts: 437
Debtcc Points: 4188
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Posted: Mon Sep 10, 2007 12:14 pm
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Wait - Did you open a new account at WF? Please say no . . . . They have a tendancy to freeze and close your good account if you bad one is negative too long. You will eventually get the money that was in the good account, but not for 6 to 8 weeks!
The next step is to start the letter writing. You need to send them letters stating that you revoke any authorization to debit your account, revoke any and all wage assignments you signed, and put your state laws regarding pdl's in there. I know Cannr has a good example letter that included everything you need. PM her if you'd like a copy to use as an example.
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goudah2424
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Joined: 31 Oct 2006
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Posted: Mon Sep 10, 2007 12:16 pm
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You will also need to file complaints against all these companies with the NDBF . . . . . NE does go after these places! You will have to do a seperate complaint form for each company. Also file complaints against all the companies with the BBB. Sometimes they help settle for you.
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goudah2424
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Posted: Mon Sep 10, 2007 12:17 pm
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You seem to have paid off the principal amount in some of the accounts. Check your state laws and find out the permissible interests and fees that can be charged by these companies. If you have overpaid, you need to claim for a refund from that particular company. Also make sure that they are licensed in your state so that their business sounds legit.
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fatb88
Joined: 20 Dec 2006
Posts: 221
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Posted: Mon Sep 10, 2007 12:25 pm
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yes we did open a new account with Wells Fargo..kinda stuck between a rock & a hard place there. My mortgage payment is paid to my father & he banks at wells fargo. If I closed that account & changed banks he'd be asking 50 million questions and I really don't want him knowing about this whole mess.
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lmk3524
Joined: 06 Sep 2007
Posts: 437
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Posted: Mon Sep 10, 2007 12:27 pm
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Okay, just be REALLY careful. And I would not keep all my money in that account. Maybe open another account at another bank and only use the WF account for the mortgage payment?
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goudah2424
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Posted: Mon Sep 10, 2007 12:27 pm
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I did check the state laws & from what it looks like the fees can be no more than 15.00 per 100.00. Most of these places are charging 30.00 per 100.00. I get confused on the interest rate however.
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lmk3524
Joined: 06 Sep 2007
Posts: 437
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Posted: Mon Sep 10, 2007 12:29 pm
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It doesn't matter - In NE if the companies aren't licensed to lend BY NE, they are lending illegally. They cannot collect interest.
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goudah2424
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Posted: Mon Sep 10, 2007 12:32 pm
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lmk, what state are you in? It looks as though some of your ipdl's are not licensed/legal anywhere. I'm just throwing my 2 cents in here just by looking at the names.
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cannr
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Posted: Mon Sep 10, 2007 12:35 pm
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LMK is in Nebraska.
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goudah2424
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Posted: Mon Sep 10, 2007 12:38 pm
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Yes, planning on opening an account with another bank for our checks to be direct deposited to. My apologies for disappointing you on keeping an accoutn with Wells Fargo.
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lmk3524
Joined: 06 Sep 2007
Posts: 437
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Posted: Mon Sep 10, 2007 12:42 pm
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Don't apologize! You have a good reason for keeping one there.
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goudah2424
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Posted: Mon Sep 10, 2007 12:47 pm
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thanks! I'm going to be filing my complaints this evening. As soon as I get the example letter from cannr...I'll be sending those out asap as well.
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lmk3524
Joined: 06 Sep 2007
Posts: 437
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Posted: Mon Sep 10, 2007 12:53 pm
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Great - You are off to a good start!
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goudah2424
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Posted: Mon Sep 10, 2007 12:57 pm
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I wouldn't have been able to do as much as I have without your help & the help of this site! Thank you so much for all your guidance and knowledge...everyone here has been helpful & kind. I haven't felt this sense of relief in over 2 years.
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lmk3524
Joined: 06 Sep 2007
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