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Posted: Sat Mar 29, 2008 10:15 am Subject: Another PDL email

Received an email from a different PDL. This one says i owe them $510.00 (not) and they also show a different acct# than the one i have.(i borrowed $300.00 and have thus far paid back $180.00) so i don't know where they are coming up that i owe $510.00
Here's the funny part. they have you go to the "recovery/payment section of the website and it gives you the payment options, one of which is paying by CREDIT CARD (VISA, MASTERCARD ETC.) I wish i knew how to copy and paste the email on to this thread, tried and i couldn't get it to work.
By the way at the end of the email it tells me NOT to respond to the email. (BS!! to that, do they think i am going to call them? i DON'T THINK SO.
Anyway my Question is this:

1) Do i email them back and ask for an audit of my acct and where they come up with the $510.00

2) email them back with the statement of what i borrowed and so far paid and offer to pay the remainder of what is left owing of the balance.

Posted: Sat Mar 29, 2008 11:35 am Subject:

whiterock. . I wish I had an answer for you on your questions and I also wish you were'nt having so a difficult time with these PDLer's. I haven't received not one email from any of mine and just two phone calls on MyCashNow and PayDayMax. Ameriloan settled through the BBB and MyCashNow was marked PIF by CPD. I just Moneygramed the last amount I borrowed from PayDayMax this morning so I am done with all three of them with just the principal being repaid. I think Kash is right, living in New York does have it's advantages (at times) but I have never heard anything from the AG on any of my PDL's so I was on my own in that aspect. I've pretty much stopped giving ANY thought to USFastCash and Star Advance. If they contact me, I will deal with them when the time comes. In the interim I am pretty satisfied with the ease by which the other 3 went away. I am sure that someone on here has the exact advice for you to handle these recent developments. Keep us posted.

Posted: Sat Mar 29, 2008 12:02 pm Subject:

thanks, i will wait and see if someone can answer my questions. i am just gun shy on responding to these people because i am afraid i will stick my foot in my mouth, but can't figure out where they come up with $510.00 owing.

Posted: Sat Mar 29, 2008 12:32 pm Subject:

whiterock. . .could it be "fees" that they are adding? I know that when I talked with CPD they told me one of my loans was $500 something and I had already paid back my $300. I brought it to their attention and suddenly my account was paid in full. I am sure that it was what they added on after they were denied access to my bank account. They will try and get away with whatever they think they can. Just call them on stuff and suddenly things take a turn southward. Keep after them.

Posted: Sat Mar 29, 2008 12:40 pm Subject:

I sort of figured it may be fees..when i logged into my account, it just says $510.00 and nothing else. They don't mention that i have already paid on it, so I want to make sure they are aware of that and not trying to pull a fast one.

Posted: Sat Mar 29, 2008 12:51 pm Subject:

They are aware of it, they just will try and get you for every penny they can. CPD pulled that with me and like I said, as soon as I got my feathers ruffled and raised my voice about already paying back what I borrowed, they put me to someone else and that was when I was told MyCashNow was closed and I could "close" my Pay Day Max account by paying just what was still owing. Both of them were closed for the amount of the original loan. I don't think that you would be putting your foot in your mouth if you tell it like it is and it might just seal the deal with them. But. . .if you want to wait for a more "seasoned" response I would do that. All I am saying is, I hemmed and hawed about calling them back and now I am glad that I did cuz in just 5 days, I got a PIF right off the bat and another closed account, as of this morning. You have to get right back in their face. Don't be afraid of them. Keep us posted.

Posted: Sat Mar 29, 2008 1:14 pm Subject:

i will... i will go ahead and email them will let you know what they say..

Posted: Sat Mar 29, 2008 4:00 pm Subject:

OK i went ahead and replied to the PDL Basically kept it short and sweet. That I did not owe them $510.00. I owed them $120.00 and to provide me an address where i can send my money order. will see what they come back with.

Posted: Sat Mar 29, 2008 4:13 pm Subject:

white, that's exactly what you should have done. Do not contact these idiots. Just keep everything in writing. You need this documentation. And where the hell they come up with their amounts is beyond me. Stick to what you have paid and what you owe - period. And they can give you a damn mailing address. Oh, these people tick me off! By the way, is this particular pdl a "legal" one or an "illegal" one?

Posted: Sat Mar 29, 2008 4:18 pm Subject:

illegal here in oregon. so i am hoping that they will take what i have offered. If not, i guess i will have a fight on my hands and will just move on to the next one and see what they will except. I still can't get over the payment method. IF I had a credit card, they would be the last people i would give my card info to.

Posted: Sat Mar 29, 2008 4:26 pm Subject:

Ah, a nice illegal one. That's where the 510.00 is coming from. They're most likely charging you a million dollars in fees and another million because they haven't been getting their debits. Sorry about their luck. Stick to the original amount borrowed, what you paid, and the amount you owe only to have the principle paid off. If they keep arguing with you, just keep sending the same email over and over again. They'll either get tired of you and agree to what you want or turn you over to collections (who can't collect on an illegal debt). I loved mine. They would claim I owed hundreds on overpaid pdls. I was like "What???" Shocked

As you can tell, they are GONE now!

Posted: Sat Mar 29, 2008 4:56 pm Subject:

I didn't mention in the email that they were illegal in my state, i am hoping they get the hint that i mean business. If they don't except what i am offering, on to the next guy. At the end of the email, it said do not respond to the email. go to the website and it gives you the same email address. Duh! I went ahead an replied anyway and i am sure they will respond.

Posted: Sat Mar 29, 2008 5:02 pm Subject:

Oh hell. I got tons of "do not reply to this email". I just sent emails to the idiots anyway. Lord help them all.

Posted: Sat Mar 29, 2008 5:14 pm Subject:

You would think that if they wanted their money they would give a legit address. whether they get the money by money order or what every they should be happy. the sad thing is that they don't think. I need to get my printer up and running so i can print these emails and put them in my file(s)