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TXPDLHELL · Posted: Tue Apr 22, 2008 8:50 am

Hey, all.

So I've settled all but 4 of my PDL hassles:

SSM - had the nerve to tell me I agreed to their "governing laws" and not my state laws when I accepted the loan...WHATEVER

Geneva Roth - the CSR called me AFTER they got the letter saying "let's discuss the letter" - I didn't, instead I sent an email saying the CSR needed to contact me via email - hasn't yet

PaydayLoanYes (Cash500) - got hold to a dumbazz who was shell shocked when I told him to give me the license number allowing him to lend in my state - he then threatened me and I sent a very nasty email back to them. Haven't heard from them since

Have not heard from Authorized Payday yet (owe them under 10 bucks).

Now, they all had until 4/20/08 to respond, according to the letter I sent, accepting the repayment terms. They have not responded. What is the next step? Do I update the AGs, BBBs, etc?

Also, I filed a massive complaint against Wachovia on PlanetFeedback as they never closed my account as promised and I now have $1200 in NSF charges from the morons that keep trying to debit AFTER their privileges were revoked.

Thank you all for your help with this and a special shout out to Goudah! Very Happy

Posted: Tue Apr 22, 2008 9:37 am

Congrats!

Geneva Roth and Cash Net 500 can be extremely hard to deal with . . . . Just keep at them and they will eventually go away.

One thing to be aware of - Geneva Roth has a habit of finding people's new bank accounts. Your new bank needs to be a bank that doesn't use Chexsystems at all to verify new accounts. And don't apply for any more pdl's. If you can cover those bases, and not write many checks/give account info out to a bunch of places, your new account should be fairly safe. But never leave all your money in it.

TXPDLHELL · Posted: Tue Apr 22, 2008 9:53 am

CRAP Goudah!

I just opened an acct with a new credit union last week and they did verify via checksystems.

What should I do? Should I set up a hard debit restraint immediately?

Posted: Tue Apr 22, 2008 9:55 am

It's not certain - Just from my experience I've heard of people getting hit on their new account from geneva roth . . . . I would say keep the account, but open another somewhere else. Split your money, so that one account never has all your funds.

Keep watch on the account. If it is hit, you can dispute and get it all back. It's just a pain!

TXPDLHELL · Posted: Tue Apr 22, 2008 9:56 am

Ah crap Goudah!

I did just open up new accts at a local cred union that verified via cheksys!

Should I setup a hard debit restraint right away?! Will it even help?

Posted: Tue Apr 22, 2008 10:18 am

I think you will be okay - Just follow the advice above about not keeping all your money in one place. And watch your account closely.

I'm not saying for sure it will happen, only that they have a track record of getting into people's new bank accounts. It's just a possibility I want you to be aware of.

TXPDLHELL · Posted: Tue Apr 22, 2008 12:44 pm

Thanks Goudah!

Now to the other questions. What about the others who did not respond to my cease letter? What do I do next?

Posted: Tue Apr 22, 2008 12:53 pm

I would just keep at them, keep sending the letters . . . . . They will eventually either respond or go away.

I'd also go ahead and update your complaints. Just keep chipping away at them! Very Happy

TXPDLHELL · Posted: Mon Apr 28, 2008 9:07 am

I've made my complaints, sent my revoke/C&D ltrs to PDLs, complained against Wachovia on PF and these jerks are still debiting after being notified!

Wachovia told me they closed the account and haven't. I now have 1300 in NSF charges.

Looks like I'm gonna have to call a consumer atty after all.

What do I do?! Shocked

Posted: Mon Apr 28, 2008 9:14 am

This happens, unfotunatly.

Go back tp Wachovia - Tell them that these charges are unauthorized, and request that they all be removed and all NSF charges reversed. If they don't agree, file a complaint with the OCC (Office of the Comptroller of Currency) that is the agency that regulates national banks.

TXPDLHELL · Posted: Mon Apr 28, 2008 9:27 am

Oh goodness!

I am soooo sick of Wachovia I don't know what to do.

Thanks Goudah!

Posted: Mon Apr 28, 2008 9:43 am

Hi TXPDLHELL.........what letter did you use to send to these pdl's? I sent a letter to two companies last Wednesday and have not heard anything. I did take out a loan with a company called Cash Central and I think they are licensed, but in my state, they are illegal. They keep calling me and I am not sure if I can send them a letter because they are licensed.

Posted: Mon Apr 28, 2008 9:47 am

Bayley - What state are you in?

Posted: Mon Apr 28, 2008 11:18 am

I am from Pennsylvania. I am so lost on all of this information that is given to me. It's a lot to comprehend at one time. I am thankful that there is help, however.

TXPDLHELL · Posted: Mon May 05, 2008 8:55 am

So Wachovia FINALLY zero'd out my account and closed it. I still have the 4 that won't budge but will find out this week that the account is closed FOR REAL this time.

So I'm looking for the FUN to begin next week. I still have AIP who I have yet to find any valid contact info - namely a fax number. But that's okay because all the complaints are filed. FastCash tried to debit almost $1400 AFTER being told to stop so I'm just WTG for them to jump up because I intend to rip them a new one!

But I'm feeling good! Thanks for all your help.

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