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Posted: Wed Apr 02, 2008 6:18 pm Subject:

Now also a few more questions. I am doing the letters right now and want to know how much time to give them to reply? 1 week, 30 days? Also want to check that I did the following paragraph correct:

I have currently paid 650.00 DOLLARS on my 400.00 DOLLAR loan. The legal amount that could have been charged to my loan is the principal amount of 300.00 DOLLARS even if your internet pay day loan was legal in California. I demand that you mark my account Paid in Full as I have fulfilled in remittance of the principal amount of the loan and send me a refund of $250.00. Thanks again, sorry for so many questions!

Posted: Wed Apr 02, 2008 6:45 pm Subject:

HEre's another example I need checked to see if I am doing it right:

I have currently paid 180 DOLLARS on my 300 DOLLAR loan. The legal amount that could have been charged to my loan is the principal amount of 300 DOLLARS even if your internet pay day loan was legal in California. I have paid 180 DOLLARS on this loan by your debits of my bank account and only owe 120 DOLLARS to have this paid in full. I am willing to pay the amount of 120 DOLLARS to pay the principle amount of the loan only, as advised by my Department of Financial Institutions and the California Attorney General's office.

Thanks again!

cnina0224 · Posted: Wed Apr 02, 2008 10:34 pm Subject: letters

thats looks like some of my letters paragraphs too! they look good to me. i working wit the same letter. im just concerned that after i do the letters and CC BBB, FTC and AG, do i actually file a complaint or something with AG? or what?

Posted: Thu Apr 03, 2008 8:59 am Subject:

okay, here is my 4th question on this page. I thought of it last night as I was going to sleep. I can't send the letters out today via certified cause I am overdrawn. If I send out most of the letters via email tonight, is it okay to wait until tomorrow to send out the hard copies? I am getting so scared, tomorrow is the day all of their debits are supposed to hit. I went to the bank yesterday and they said they put a hard block on the account. I keep thinking, what if it doesn't work? I think I will call this morning just to make sure it is really there!

Posted: Thu Apr 03, 2008 9:09 am Subject:

Mom I have not sent out the letters either. Try to remember you have overpaid most of these so it is a technicality anyhow? Right. They cannot debit because of the hold and if you are overdrawn, they would not be able to anyway? Right?
Most of these will not know that your account is closed/on hold for several days as it is?

cnina0224 · Posted: Thu Apr 03, 2008 9:17 am Subject: lucky

at least ur account is closed. i thought mine was, but unfortunately it isnt. i have to go to the bank today to put a HARD BLOCK ON IT. when i called first, they said oh its fine we'll close it.. and then i called yesterday and they are like 'oh no.. we cant close it til these pending transactions are paid bleh bleh".. one is something i charged on WEDNESDAY which should be cleared by now! im gonna ask if they can force pay it, close the flippin account or AT LEAST do something. its annoying.

Posted: Thu Apr 03, 2008 9:40 am Subject:

momof-Hi there!
Tried to get on last night, but fell asleep early.

Both of those paragraphs above look great! You are right on track. You can start emailing them and if you can, get them sent via Cert mail this weekend.

Keep checking your bank account for sure....I checked mine daily even after I was told not to worry.

Posted: Thu Apr 03, 2008 9:41 am Subject:

..and we can help with the addresses.

Posted: Thu Apr 03, 2008 9:51 am Subject:

AIP address
2207 concord DE Wilmington 19803
FAX# 800-593-0925

Posted: Thu Apr 03, 2008 9:55 am Subject:

World wide cash now/telmerica
2207 concord pike #449
Wilmington, dleaware 19803

Posted: Thu Apr 03, 2008 9:57 am Subject:

Cash Advance Network
11024 Montgomery BLVD
NE PMB 265
Albuquerque, New Mexico 87123
Phone: 800-992-9200

Posted: Thu Apr 03, 2008 10:01 am Subject:

I am coming up blank on Amcash and 356fast cash. I hope someone else pops in who can help. Do you need any others?

Posted: Thu Apr 03, 2008 11:16 am Subject:

Thanks for all of those addresses! That is all I need except for the 2 you are having trouble with. The thing I 'm worried about is even though I am overdrawn right now, my paycheck hits tomorrow and I don't want them to get anything. I have to pay my rent. But, I will just keep checking with the bank to make sure this cannot happen. I just keep thinking that so far the process of keeping them away from my money has been too easy and I am waiting for the other shoe to drop. It is hard to be optimistic, but I am trying. It is definitely much easier with all this support and help.

Posted: Thu Apr 03, 2008 11:47 am Subject:

I felt the same way....I thought, "ok, I am going to check the account the they all hit?". But nope, no issues Smile

Expect the bank to cover your overdrafts with your deposit.

Kash, you rock!!!

Posted: Thu Apr 03, 2008 11:48 am Subject:

Thanks guys. I cant even find e mails for them. UGH!!!

Posted: Thu Apr 03, 2008 12:29 pm Subject:

One more question, when I send off the letters, do I just sign my name or do I put my SS# on there so they know which account it is for as well? For most of the companies that is how they idetify me when I call, I don't really have an account number with them.

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