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AIP sent me a refund and World Wide Cash sent me a "PIF" cause they didn't like me filing complaints. If these companies are illegl to lend to you and you have overpaid on the principle; do not send them anymore monies....

Guest · Posted: Tue May 13, 2008 3:25 pm Subject:

OK, So I thought about these settlement offers and I am not sending jack to any of them Evil or Very Mad

I reveiwed my state laws and rollovers of any kinds are prohibited in VA. Also they can only charge $15 on every &100 dollar loan. So that mean I got some money coming to me hopefully. I spoke with AIP and they said the best they can do is settle at $200 next payday. I said Unacceptable. I paid $534 already in rollover fees which are illegal and they are not licensed. Same with WWC they said they need for me to default and such. I already closed bank accounts and froze everything. Very Happy

I faxed a settlment letter to WWC,PDM/Credit Protection Services, 3B PayDay loans/3B Financial. I tried to fax to AIP but they keep changing fax numbers on me. Anyone got that new fax number to AIP?

I need the fax number to Little Loan Shop as well. I have overpaid bigtime with them!

Here is the list again:

365fastcash: $200 paid 148
usfastcash: $300 paid 90
mte financial(quickest cash advance): $300 paid 270
sonic cash: $400 paid 0
World wide cash: $200 paid 534
Cash Relief Unlimited: $200 paid 534
3B payday loans: $300 paid 465
Amerlioan: $350 paid 0
Litte Loan Shop: $300 paid 540
Cash Transfer: $300 paid 0
Pay Day Max: $420 paid 570

[i][/i]

Guest · Posted: Tue May 13, 2008 3:28 pm Subject:

Oh I already filed complaints at BBB and AG, SCC on the following to back me:

AIP
World Wide Cash/Telmerica
3B Financial/ 3B Payday loans
PayDayMax/ Credit Protection Services

Posted: Tue May 13, 2008 4:53 pm Subject:

Very Good! Very Happy

Posted: Tue May 13, 2008 8:17 pm Subject:

USFastCash and MTE (Quickest Cash Advance) are the same company (MTE). Not licensed/legal to lend anywhere in the United States. AIP is a "verbal agreement". Illegal as all hell. They usually respond well with just a BBB complaint filed. They refunded me my overpayment just with my BBB complaint. The MTE related pdls will be a total bitch to deal with. Just warning you ahead of time. Cash Transfer will throw a wage assignment at your employer faster than you can blink your eyes. You need to send them a letter revoking any wage assignments signed, keep a copy, give a copy to your HR/Payroll person. They do NOT have to honor this wage assignment. These wage assignments are totally voluntary and can be revoked at any time. Any one of your pdls that are not licensed in your state, you owe the principle amount of the loan only. No fees. No nothing. Just the amount they deposited into your bank. Okay? If they ask for more than that, tell them to "go blow". File with the BBB, the FTC, and your state AG on any one of the pdls that are not licensed in your state. File all complaints. The BBB and your state AG will contact the companies on your behalf.

Guest · Posted: Wed May 14, 2008 10:00 am Subject:

[b]It's me above-GUEST-
If the payday lenders are licensed, but not my state. Do my State Laws superceed there contract?

Also if they are not licensed at all, am I obligated to repay them back? I have filled BBB complaints on 6 of them already.[/b]

Guest · Posted: Wed May 14, 2008 10:03 am Subject:

It's me above-GUEST-
If the payday lenders are licensed, but not my state. Do my State Laws superceed there contract?

Also if they are not licensed at all, am I obligated to repay them back? I have filled BBB complaints on 6 of them already.

Guest · Posted: Wed May 14, 2008 10:03 am Subject:

It's me above-GUEST-
If the payday lenders are licensed, but not my state. Do my State Laws superceed there contract?

Also if they are not licensed at all, am I obligated to repay them back? I have filled BBB complaints on 6 of them already.

Jon1972 · Posted: Wed May 14, 2008 11:26 am Subject:

Sonic Cash is tough.... I paid them $300 of the $500 I borrowed and they want $540 and no less...told them to pound some sand and $200 is what I will pay....havent heard from them in weeks...

Cash Transfer Centers is TOUGH...they are in Canada and ILLEGAL... offer to pay back what you borrowed and thats it... bet they agree...

I just got a statement from my closed bank account that the PDLS tried to debit my account weeks after I revoked them and sent certified letters... they tried to debit $2200 .... all denied of course.... they should be calling again this week

Guest · Posted: Fri May 16, 2008 7:46 am Subject:

-GUEST- ***UPDATE***MTE Financial replied to my BBB complaint saying that they are going to try and reach a fair settlement with me. I sent a rebuttal to BBB saying they left a voicmail. There was no settlment reached between me and MTE..lol. They are cluless over there. When I called a Nikki back in their customer service she said I needed to contact a Sabrina in another dept, then that lady told me my file was sent to compliance dept for review. She said it was not in collections though. I said ok so how will I be notified, she said by email. I have yet to be notified. So I am not holding my breath. I think I will be be seeing a "PIF" very soon! Laughing

Guest · Posted: Fri May 16, 2008 7:49 am Subject:

-GUEST_oh ya the voicmail said that they were not going to be debiting my account anymore and that they were willing to set up arrangments with me. I was thinking arrangements. I paid $360.00 towards a $300.00 loan. So I put the pressure on em with the BBB. How much more money these guys wanna screw me out of Geez!

Posted: Fri May 16, 2008 7:55 am Subject:

havent heard back from MTE yet on mine...it i had quickest -cash - advance...i have paid over $700 on a $300 loan. i sent them a letter revoking debits...but the are not scheduled to debit my checking account until next friday..so i guess i will wait and see.

Posted: Thu May 22, 2008 6:59 am Subject:

***UPDATE***
OK
USFASTCASH-Credited me $180 and settled for only principle owed after reported to BBB.

CTC-settled for split payments of principle owed.

SONIC-settled for split payments of principle owed no fees.

MTE,365fastcash,PDM,AIP,3Bpayday Loan- Since I filed BBB & AG repots have not heard anything.

PayDayMax closed my accounts and got scared, as did MTE and 3B. So I think I will get a PIF soon! AIP and 365fastcash are a joke and illegal and all 5 are way overpaid anywayz! I think I can force them to a PIF.

So I didnt higher a company for my 11 loans I am doing it myself and doig well so far thanks to this forum. It is crazy but getting help from this web site! Thanks all!

Posted: Thu May 22, 2008 12:59 pm Subject:

Little Loan Shoppe emails me saying if this:

Dear This letter is to advise you that your mail in payment has not been received. This means your account is currently in default and subject to debt collection activity. We have many resources and repayment options available for your convenience. We would like the opportunity to assist you in resolving this issue as soon as possible. Please contact our office immediately to avoid further collection activity and costly penalties on your account. You may contact us by: e-mail at resolution@littleloanshoppe.com Phone at 1-866-223-7549, Fax at 1-800-230-0428 Sincerely, Nicole Customer resolutions Little Loan Shoppe

I replied with the same letter I emailed the customer care department stating my overpayment and state laws. I also stated I will be in contact with BBB so they can communicate with them about this matter. Is this another scare tactic? Also they called me today out of the blue on my cell. I am not worried because I overpaid them by $195 on a $300 principal loan. Total paid to them is $550 so far and they want $180 more. I said no way I want a "PIF"

Posted: Thu May 22, 2008 3:23 pm Subject:

Nice to see you back cannr! I guess there is no rhyme or reason to why or how they do what they do. I had no problem with Ameriloan or UsFastCash. After I complained to the BBB, Ameriloan settled almost immediately. UsFastCash, gave me a PIF, with $30 remaining, after I contacted Intercept and they called them. MYCashNow gave me a PIF immediately after I sent my C and D letter to CPD and a PIF on PayDayMax for the balance remaining on the principal only. Star Advance just gave me a PIF just for my aggravation after I got to their Administrator. Seems like others go through hell with these people. It was like someone waved a magic wand and they were gone. Perhaps it was the "PDLs are prohibited in New York State" flag I was flashing in front of their beady little eyes. I say, never give up trying. They are so unpredictable in this respect it isn't even funny. You never know what you will get from day to day.

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