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#17
07-24-2007, 05:40 AM
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So, an update. Yes, they deducted from my account even though I filled out the revoke papers at the bank. But since I had done that, the bank reversed it and put the money bank in my account. Today I got an email from payday-loan-yes.com telling me that they have a problem with my checking account to which I replied that's because I revoked it which you should have known had you read my letter and I sent a copy of the letter again. And I also have a voice mail from George at First National 800-654-7444 saying they are having problems receiving my payment. I don't know who this guy is or what First National is. Any ideas?
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#18
07-24-2007, 05:42 AM
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sometimes they will call under different names, could very well be the same company. They may try to debit your bank account under a different name also, these guys are slick
__________________
Working my way out of this debt, one day at a time!
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#19
07-24-2007, 09:36 AM
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I got an email response from them and the phone number in the signature is the same. Well, this email says that my balance on a loan for $350 is now $590. Although they've taken $210 out of my account thus far. They say the only way to settle is to give them a cc number and pay two payments of $175. Not happening.
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#20
07-24-2007, 09:49 AM
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buckeye
NO! Do not give these pdl's any more information. I'm glad your bank returned those pdl debits, but you need to put a hard debit block on your account or they are going to hit your account every week. Then you'll have to go into the bank, show the letters, have it disputed, etc. You will be doing this forever! That was probably the same pdl that sent you an email and also called. They will be freaking now that they're debits are being returned. And, of course, they're now saying you owe MORE money. Because they didn't get their illegal fees. Please do something regarding your bank account. They will attempt to debit, they will attempt to put through electronic checks, paper checks, etc. to try and get your money. Do not give them that option. Close the account/block the account/whatever. As stated in above posts, you can't just block the name you know. They will use many d/b/a's and continue to try to debit your account. I just hate to see you having to go to the bank every single week and dispute pdl debits.
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#21
07-24-2007, 09:53 AM
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godz
I was not saying "no" to godz's post! He posted as I was posting and his got there first! I was saying "no" to giving the pdl's any bank or cc info! I'm sorry for any confusion! godz's posted letter is awesome!!!
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#23
07-24-2007, 11:06 AM
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My only worry with having to close my account is because I can not open another bank account due to a mark with chexsystem from an old account that I had with my husband. I only assume I was able to open the account now because it must have been before the mark went on my record through chexsystem.
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#24
07-24-2007, 11:07 AM
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Goudah2424 can help you find a bank in your area that does not use chexsystems or will let you open an account with it on your record. I will bump this up so she will see it. You can send her a pm if you would like!
__________________
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.
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#25
07-24-2007, 11:37 AM
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I can only laugh at this now. Received an email from One Click Cash which was a loan for $250 and they have deducted $225 from my account so far saying have 30 days to pay my balance of $400! I have read on other threads to file complaints through BBB. I am not trying to dispute that I need to pay them what I owe, but I only what to pay what I owe legally. And by money order so I can have them off my back and my life back in order.
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#26
07-24-2007, 08:40 PM
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buckeye
buckeye, you need to file complaints! I know you're saying you'll pay the amount of the loan back and that's wonderful. But these people will NOT back down. They will insist that you do indeed owe $400 - when you do not. If your loan was for $250 and you've paid $225, then guess what? You only owe $25.00 to have them paid. They will harrass you to death and continue to tack on their fees because they're not getting their debits. They are so illegal. They are not licensed. These agencies need complaints sent to them so they are aware of the practices of these illegal pdl's. File with your BBB, the FTC, and your state AG. Believe me, they need your complaints. You need to keep documentation of EVERYTHING. Especially with these nasty illegal ones. Please file the complaints. They need to be reported and they need to be looked into. And, also, the agencies are there to help you so that these pdl's can not continue to harass you.
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#27
07-25-2007, 05:20 AM
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That's why I am doing everything in writing. And not calling them back, so I can document, document, document. I am filing complaints everywhere. I am not letting this happen to me anymore. I am trying to start a new life on my own and I won't be able to with this happening.
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#28
07-25-2007, 05:34 AM
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That's the attitude to have, Buckeye...don't back down from these scum. Do what you have to do with the legal ones (storefronts) and tell the illegal internet loan companies to take a friggin' hike. They have no power to collect anything...they will just harrass you to no end...however, I have found that they are not fond of being harrassed back and can be made so frustrated that they will eventually figure out you don't care. Make sure you let them know you don't care...no matter what they say...if they say you're going to jail...you say "will you save me a seat"...if they say they're gonna come get you at work...you say "good, I needed a ride home anyway." If they say they are going to turn you in for fraud...you say "the only fraud being commited here is the sad impersonation of a debt collector on the other end." They love me...
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#29
07-25-2007, 05:39 AM
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I like that!!!! You have my sense of humor! I am going to stand strong and not back down.
Ok, so what do I do about the store fronts? I have found through the cfsa that they have to offer me an extended payment plan. Is this before or after they go to collections?
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#30
07-25-2007, 05:57 AM
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I am not in your state...and they are all different. However, I had six storefronts and all six of them were very understanding when I called them and let them know I couldn't renew the loans anymore. Of course I had been in there every two weeks for the past 3 years...so they knew me well. I told them my account had fraudulent charges on it and the bank had frozen it because the balance got so negative. Most of them said they ould have to send the checks through and we'd work something out when they came back to the store unpaid...but a couple didn't even bother and just set up a plan with me.
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#31
07-25-2007, 06:33 AM
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So, I just have to suck up my pride and talk to them. Hopefully, they'll work with me. They know me too well, also. I only have three so hopefully I can get things under control. I am so glad I found this site!
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#32
07-25-2007, 06:43 AM
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Exactly...just let them know you can't do it anymore. They should work with you as they are licensed businesses in your state, and therefore are subject to losing that license if they step out of line. Whereas internet companies play by their own rules. Good luck, Buckeye...
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