Internet's first get-out-of-debt community - members

Posted: Mon Apr 21, 2008 9:39 pm

I have the following:

MK Marketing LLC aka edollarsdirect.com aka midlandhobbysupplies.net Loan amt $300; paid to date $990 in fees (Sent an email to them on 2/12/08 advising that I wanted to payout..my email ignored...I have 4 different phone numbers and 3 different fax numbers for this place...I cannot get an answer to any of the phones when I call or fax)

USFASTCASH.com Loan amt $400; paid to date $120 in fees

No principle on either.

As indicated in my subj I am in NC. I sent an email inquiry to my state's AG complaining that I cannot get a response from MK Marketing LLC and asking for advice. I cannot close my checking account and open another account (checking or savings) because my paycheck is on direct deposit and my HR is very slow correcting direct deposit information. My next payday is this Friday.

Can I have a stop payment issued on USFastCash and on the MW Marketing/aka/edollarsdirect/aka/midlandhobbysupplies.net? Also use the revocation letter w/ copy to my bank? I feel like such an idiot...I'm close to not being able to make my mortgage payment. I don't understand about debitors being about to take 3 times the amount of a stopped payment check or being able to take the full amount of the loan out of my checking acct since that is not stated in the loan (illegal) documents. Thanks for any and all advice. I really need to know the steps I need to take.

Posted: Tue Apr 22, 2008 4:45 am

Sky, I think someone else posted an answer fo ryou on another thread. Ask your bank to place your account on deposit only status or place a hard debit block on your account. THis will allow money to come in but no to go out. Do not send the letters until your account is taken care of. That is your first priority. Please read this about closing your account, there is good information in it which you should know before you contact the bank.

http://www.debtconsolidationcare.com/paydayloan/close-account.html

HEre are the laws for NC

Guest · Posted: Tue Apr 22, 2008 12:23 pm

I found information for USFastCash (thank you), but I am not finding mailing address, phone #, etc for MK Marketing LLC..aka edollardirect.com. Please direct me to a post with this information. Thanks.

Guest · Posted: Tue Apr 22, 2008 3:41 pm

I know this mess is mainly my fault, but so much really bad stuff has happened in the last few years that I was pretty desperate....I'm broke, hungry and scared. I'm really scared to close my Wachovia acct..they contributed to this mess; collateral damage so to speak and they have been nasty to me in the past when I tried to talk to them about my checking account.

Posted: Tue Apr 22, 2008 3:51 pm

Guest · Posted: Tue Apr 22, 2008 6:12 pm

my credit is only fair..no bank is going to let me open a checking account. I'm embarrassed to even ask.

Posted: Tue Apr 22, 2008 8:21 pm

EDollarsDirect
P.O. Box 750568
Las Vegas, NV 89136
(866) 396-5594

Also, guest, you can open another bank account somewhere else. We have a "banking forum" on here also. It lists out banks by state that will open accounts for people who can't get accounts with banks for whatever reason, okay? Don't worry. You can open another account somewhere. Go to the banking forum and MCA can help you out. Check out that forum and look for your state. MCA has them listed out by state. If you need help with it, let us know and we can help you.

Do not be scared and alone. You have us now. We will help you.

Guest · Posted: Wed Apr 23, 2008 3:51 am

I don't know how I went from being skymerle to 'guest'?!...I guess that shows my limited mental ability right now...not operating on 100% Anyway, I looked for the bank forum, but didn't find it. help?

Posted: Wed Apr 23, 2008 3:57 am

Sorry! It's on the first page, just down a bit from the Get Out Of Pay Day Loan Help. It's called Banking Help And Using Chexsystems (or something along those lines. My mind isn't awake yet). But, I'm posting the link to the banking forum for you. Just click on it. Very Happy

http://www.debtconsolidationcare.com/banking/index.html

Posted: Wed Apr 23, 2008 4:47 am

If you are having a problem signing in , just pm Denny. He will help you.
Many people have used the banking forum and have had good results. Good luck to you.

Guest · Posted: Wed Apr 23, 2008 4:43 pm

Ok...I've printed off reams of information from this community. Ducks are all in a row and guns are loaded for pdl hide. Appl sent to credit union for new account; ready to go do the hard block/close thingy on my current cking acct.
I have two questions...since I am in NC and payday loans are illegal, do I pay interest/fees on principle or not? This is one point I'm not clear on.
Also, do I fax, email or snailmail the letters to all parties involved or do I fax, email AND snailmail the letters?
I can do this...I can handle anything they want to throw at me. The only thing I worry about is someone calling my employer or my references. thanks, dr (skymerle...having problems getting my login straight)

Posted: Wed Apr 23, 2008 5:54 pm

sky, only agree to pay the principle amount of the loan. Only what they deposited into your bank account, okay? No fees, no rollovers, no illegal fees. Principle amount only. Also, if you have fax numbers, email addresses, and mailing addresses, send the letters EVERY SINGLE WAY POSSIBLE. When you actually mail the letter, send it certified so that you will have proof that they received it. Fax it and email it also. Send it 100 times a day if you have to.

Guest · Posted: Wed Apr 23, 2008 6:38 pm

Sky here...

cool, I will send at least 10 letters a day. Turns out the USFASTCASH principle was paid 4/11/08 and the EDollarsDirect was paid months ago. They owe me $690 ($300 principle paid) and I'm going after every penny.

Cheers! sky

Posted: Wed Apr 23, 2008 6:43 pm

Cheers, my friend! You stay on them! USFastCash is a bitch. I'll tell you that right now. As long as you didn't go over the principle amount, they can pretty much kiss off. EDollars - stay on their butt for a refund of your overpayment. I'm cheering for you here! Very Happy

Guest · Posted: Wed Apr 23, 2008 6:58 pm

Sky here again...a few more questions

When I do the 'hard debit block', my direct deposit paycheck will go into my account correct? Then I can close the account and get my paycheck funds correct?
So I can do the 'hard debit block' tomorrow, then close my checking account Friday?

I have my insurance prems drafted from my checking acct, but I've already contacted them and I have their email stating they will not draft my account end of April.

Thanks again, sky

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