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 Posted: Fri Apr 18, 2008 11:55 am
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Seriously, I am doing something completely different to go after payday lenders. I really need your help. I will be taking this battle right at them in a really nasty way...the likes of which you have not yet seen. What I need to know is this....what would you all like to know about payday loans, payday lenders, or this industry in GREAT DETAIL. Please respond.
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james
Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1406
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Posted: Fri Apr 18, 2008 12:16 pm
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I will give that some thought and get back to you very soon!
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angell
Joined: 16 Oct 2007
Posts: 267
Debtcc Points: 167
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Posted: Fri Apr 18, 2008 12:19 pm
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I want to know how it works once you have defaulted-meaning stopped the ACHs' with the PDL companies, they refuse a Money Order-will not let you send them payment that way, because they will not give an address out. They want Moneygram, Pre Paid credit card #'s that is if you refuse giving your checking account out. They hire a CA. What can this CA actually do to you if they can validate this debt. I have a few PDLs in default. If they will not give me an address to send payment so I have a receipt for my records that I have PIF(paid in full) I will not give them any money. Also hesitant in giving any CA, for a PDL, any money as afraid the creditor will hire someone else down the road and so on. Maybe I am jumping the gun, but I don't see how someone would refuse money that they say is owed to them, because it needs to be in manner that they want it received. Do you understand what I am asking? I just want to know how these CAs are legal as well.
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kolodin616
Joined: 07 Mar 2008
Posts: 142
Debtcc Points: 1167
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Posted: Fri Apr 18, 2008 12:20 pm
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I would like to know exactly what recourse internet pdls have to collect illegal amounts of money, particularly if they are not licensed in the state in which the consumer lives. I know I sound like a broken record, and I know I got myself into this mess, but I really want to get out of it with as little headache as possible and want to have minimal contact with the pdl. The companies I need to know about are webpayday, ashland funding, littleloanshop, and discount advances. I also need to know how to ensure that they will not draft my account or contact my references, hr dept., my supervisor, or myself in a harrassing manner.
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freakmeout
Joined: 28 Mar 2008
Posts: 91
Debtcc Points: 1243
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Posted: Fri Apr 18, 2008 12:43 pm
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James...I have a few. I will forumlate them and post later. Can you answer questions on specific PDLs or PDLs in general. I am still intriuged!
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llw1995
Joined: 02 Feb 2008
Posts: 862
Debtcc Points: 10242
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Posted: Fri Apr 18, 2008 1:27 pm
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James,
What kind of information do you have for us and how did you come about of getting all of your information?
Just curious.
Thanks,
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purplegirl69
Joined: 26 Feb 2008
Posts: 250
Debtcc Points: 3469
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Posted: Fri Apr 18, 2008 2:06 pm
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Thank you all for the support on this. I'll pop back asap to explain. llw, you're the best. Please keep posting questions. I promise this will be fun!
_________________
Register today to encash debtcc points.
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Guest
Debtcc Points: 100
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Posted: Fri Apr 18, 2008 2:58 pm
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Hey there James....
Give us some insight on these illegal PDL's that operate overseas. What laws can a consumer leverage against them?
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24889
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Posted: Fri Apr 18, 2008 3:12 pm
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Good question volleyballmom
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freakmeout
Joined: 28 Mar 2008
Posts: 91
Debtcc Points: 1243
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Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 2588
Debtcc Points: 18773
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wssu91
Joined: 31 Mar 2008
Posts: 223
Debtcc Points: 1423
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Posted: Fri Apr 18, 2008 4:12 pm
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James...I guess I would have to say that I could come up with a million questions regarding these operations. It would appear that you are asking for our help as well as we asking for yours. Seems fair enough to me. You seem very knowledgeable about the PDLs and I want to know EVERYTHING about the loans, lenders and the industry that you could possibly divulge. I guess I would ask just how this predatory system of sharking came to be and I am quite sure that you have just barely touched the surface of this nasty business. I guess I am also curious as to just how far reaching and profitable this is. Most importantly I would love to know just how to get these lenders back under the rock from whence they came. You have indicated that you have a plan. You have also indicated that they don't get the tatics which are used. Could you elaborate on that? Thanks a bunch.
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llw1995
Joined: 02 Feb 2008
Posts: 862
Debtcc Points: 10242
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Posted: Fri Apr 18, 2008 4:18 pm
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| Code: | | James, do you have your PM's turned off, I'm still waiting for a reply. |
Because James is a new member, he might not yet be able to receive PM's. This is very common. Once his homepage is up (if you click on his name right now, his homepage doesnt come up) he should be able to recieve and send PM's.
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24889
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Posted: Fri Apr 18, 2008 4:36 pm
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I have sent a few pm's and he has received them. We were having an issue last evening but they did go through and then they didn't.
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llw1995
Joined: 02 Feb 2008
Posts: 862
Debtcc Points: 10242
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Posted: Fri Apr 18, 2008 4:51 pm
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I sent a final one to Shazzers last night and I think that was not received either. It did not show in my sentbox.
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llw1995
Joined: 02 Feb 2008
Posts: 862
Debtcc Points: 10242
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