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Posted: Tue May 29, 2007 7:06 am Subject: Phone Calls...

I have yet to get any phone calls from my friends at the pdl places, kinda looking forward to them..is this bad? I am sure the calls will roll in today, but no emails no nothing.....

Posted: Tue May 29, 2007 7:18 am Subject:

I'd guess they will probably start today . . . . You had the benefit of the long weekend. If they don't start today, they will soon.

They may not all call you right away. Some people don't get contacted for months . . . . Others get contacted the next day.

Posted: Tue May 29, 2007 7:21 am Subject:

is it bad that i am looking forward to their calls? i guess i am looking forward to them cause now i have the knowledge about what i legally owe them. and i am only going to pay what i legally owe them and not a dime more Smile

and most of these payday loans will be paid off in a month. and i am in the process of writing my letters

Posted: Tue May 29, 2007 7:25 am Subject:

It's not bad at all . . . . It's much better then being scared of them! They will try to use fear and intimidation to get you to pay immediatly, and much more then you really owe.

Since you are expecting them and know what they will try to say you are prepared and can deal with them no problem!

Posted: Tue May 29, 2007 7:30 am Subject:

good point, I have gotten so much knowledge about this whole payday loan thing its incredible, and i got it all from this place. I am so glad I came here before all of this started happening.

Posted: Tue May 29, 2007 7:35 am Subject:

Yeah, it still sucks that you have payday loans, but at least you aren't scared to death and freaking out because you were told the police will be there is 20 minutes to arrest you . . . . .

It's much better to know what to expect before it happens.

Posted: Tue May 29, 2007 7:39 am Subject:

yeah it does suck but that money i got from them i really needed it lol....ok maybe not really, i was basically moving into a new apartment and wasnt able to take anything with me i had so i had to buy all new stuff.....so now i will pay back what i borrowed and NEVER do it again

Posted: Wed May 30, 2007 7:22 am Subject:

and yup still waiting for them to call. they havent tried taking any money out of my account, my closed account that is, or atleast to my knowledge they havent....its really odd cause i am really looking forward to the "threats". i have all kinds of things i wanna say to them when they say what they say...yeah im a bit strange

Posted: Wed May 30, 2007 7:32 am Subject:

Beleive me, it will happen . . .

Posted: Wed May 30, 2007 8:45 am Subject:

oh i know they will...its like a game..when will it come??????

Posted: Wed May 30, 2007 1:08 pm Subject:

so i got my first phone call....yay, and the lady was like you setup to have the full amount come out on this date and it was returned for insf, cunds and i said yeah i know thats cause i closed my account and she started to say about what they were gonna do to me and i was like before you tell me how i am going to be arrested or blah blah blah just save ur breath cuse i will be sending in a payment next friday for what i legally owe since you know you guys are a illegal company and she was speechless and i was like dont worry about it u will get all my letters and dont call my work or me anymore you will get your money and thank you and have a nice day harrassing other people Smile

pammyblueeyes · Posted: Sun Jun 03, 2007 5:35 am Subject: payday loans

i live in texas and have taken out payday loans on the internet also and just wondered what is the worst they can do to me if i close my bank acct and just send them alittle each month till i can pay them off

pammyblueeyes · Posted: Sun Jun 03, 2007 6:31 am Subject: amounts of pdl

my loans are payday select 500.00 netcashusa 470.00 applefastcash 400.00 nationwide 500.00 cashnet 400.00 mycashnow 500.00

Posted: Sun Jun 03, 2007 6:57 am Subject:

pammy - the worst they can (and will) do is call and harrass you, unless you have a wage assignment agreement with them. If you have a wage assignment agreement with them, you need to revoke it immediately in order to keep them from garnishing your wages. THAT would be the worst they could do, in that case, and it would be devastating to your paycheck.

Payday lenders are notorious for their phone calls to your work, home, relatives, etc., in an attempt to get their money. And when you block their access to your money by closing your bank account, they will up their efforts. You can expect several calls a day.

By the way, how much have you paid on each loan so far?

Posted: Sun Jun 03, 2007 6:57 am Subject:

Pammy,
First check and see if they are licensed in Texas. Also, total up what you have already paid towards these loans and if the amount is more than your principal, demand that your accounts be marked paid in full, or you will be contacting your state's attorney general.

Posted: Sun Jun 03, 2007 9:25 am Subject:

I sent my 1st letter in today. To DMS Marketing. Demanding refund for overpayment, revoking ach...etc etc.. This is the first I have seen about "wage assignment". How do you know if you signed one? Is there a list out there of what companies you sign them with?

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