I am not sure where to start

cannr. . . you seem so confident I find it hard to believe that you were so scared, but then again, I am a fighter and I thought I was going to lose my mind with worry too. These people seem to wreak havoc in every aspect of our lives. I was cranky, tired, frigthened, mad, worried.. . .you name it, the emotion was there. Now, I just go about my business and when I hear from them, I deal with their crisis du jour. It would appear that many of us are finding articles regarding public awareness of these monsters and I am optimistic that they will someday be obliterated. I feel if I can stop just one person from contributing to their "business" then what I am going through will be worth it in the end. Thanks to you guys I am sure that they are getting bombarded with C and D letters so they must be seeing the handwriting on the wall. I feel your pain of being carried away with what is going on. Somedays I just wish I could go to these people personally and slap them upside the head. But. .patience is a virtue and given enough rope they WILL hang themselves. Keep the smiles coming!

I'm cracking up! I told you before, I do believe we are two of a kind!

I am not sure why, but when I logged in, it said I did not have access to the debt section? Then it allowed me here? Hmmm.
Well, reading these last few posts and your emotions doing this, I had to ask if you guys had been reading my mail. I have worked the last two nights...12 hrs. and work the next two nights...not to mention I had my daughter wake me up after an hour and a half of sleep to let me know we were out of everything....Arghhh.
This epidode above was so upsetting to me. I consider myself a Christian person? But these folks are the kind who profess God in everything they do in their business. Lots of literature from their Church and in their speech. Am I missing something here? I mean, I went to them honestly and asked for this paydown relating to my checking account and late problems of decreased income with my husbands accident, etc...and what do I get from her? She calls me a liar and a cheat and I have paid these checks off probably three times over in the fees alone.
On the bright side, I have one store half paid and the other down by $200 or so? Unfortunately I can't do them all on repayement plans at the same time, but I figure a couple at a time...
But I know hat you mean about the anger, frustration and dpression for sure. I am there. I keep thinking maybe it would be better to bankrupt than go through *trying to do the right thing*.

When working with horses, you always *end on a positive note*, no matter what havoc they have reeked during a *session*...I checked out the *old account* as I read one of our members had a problem with an account that was *closed to debits* and it got debited anyway ...ahh paranoia...and I heard the comforting words...not a neg. balance, but "This account is CLOSED"

egypt, you're not the only one saying "denied access". I think they're doing something with the site, but as you did, just click on the link and you're in. And I honestly am sorry you're going through this. It just goes to show you that people's "true colors" do come out. And, unfortunately, we find their "true colors" the hard way. I call them "two-faced". When they get what they want, they are saints. When things don't go their way, they become devils. And it's sad. Of course you went there honestly and you went back and you were honest about your situation and didn't try to pull anything on them. That's why I got so mad at these people when you posted. One would think that going in, being honest, making an attempt at payment, would result in a GOOD ending. Unfortunately, there are those out there that don't want that. They want things their way or no way. Not a good way to live in my opinion! And, you DO have a bright side! You're getting these paid off! Yes, slowly but surely. You're paying them down. It'll take time, and that's okay. You're doing it right. If you can just do a couple at a time, then so be it. Take it one at a time. Soon, it'll be over and done with. You'll look back and you'll be proud of yourself. I know you will. I was! And, you'll be glad you didn't do the bankrupt thing. You can do this, eqypt. It's tough. You'll get discouraged. But keep on plugging along. I was thrilled when I got ONE storefront paid off! It gave me the incentive to pay the next one off, and the next one off. No, it didn't happen overnight (I wish!). But it did happen. I hate to hear you feeling down. You've come a long way since you first posted, don't you think? You've taken the steps in the right direction and you're making progress. Don't let a bump stop you. It's a learning experience. You'll find out how nasty some people can be. But YOU will be the better person in the end. Remember that!

Egypt..You have come so far in all of this. People like that woman are just plain miserable and ugly. Cannr is right, you will be the better person in the end. I believe you get back what you give...and I believe hers is comming, you may never see it, but it will happen. My mom always taught us to take the "high road" and I try to do that as much as possible, but that does not mean I will not fight for what is right. Keep fighting the good fight. It has gotten you this far.

P.S. I think Cannr was a preacher in a former life.

Not taking the time to log in...Roxy, I am sure cannr was at least a cheerleader, both of you are so good at the encouragement part.
Somewhere, deep down, I am hearing this voice that says not to panic...what is the worst scenario and the best scenario or out come with any of this?
I am reading about people who are 30 or 40 thousand in debt (not just payday) and I am no where near that deep, but keeping everyone paid or just finally getting money to them because of these sucko PDL's has been an albatross around my neck. AND I only got them to pay bills! that is what is so insane.

egypt, listen to that inner voice telling you not to panic. Or at least listen to US telling you not to panic! Honestly. I'm being serious here. What's the worst case scenerio? Well, you might get some stuff sent to collections. Okay. We can deal with that. Best case scenerio? You're going to get all this crap paid up and be done with it like we are. There you go. You're not going to jail. No one is going to take your home. You're family will always be there. The worst thing is DOING it, and you are DOING it. It'll get easier. I can promise you that. It was ugly, ugly, ugly in the beginning for me. Man, I didn't think I was going to be able to make it through. However, come here, vent, sweat, cry, moan, complain, do whatever you have to. We can help you when you run into problems. If you get slapped over to some insane collection agency, we can help you with that. We've been through it. So don't think that you're alone. egypt, I've had my bank account forced open, had to fight with the bank, had a new account "found" and debited, fought with that, been turned over to collections for illegal pdls, had to fight with that. Been hounded by storefront jerk offs, had to fight with them. Got the crap scared out of me with a wage assignment sent to my employer, had to take care of that. Hell, I was getting it from all ends!! I can sit here and laugh as I type this now. And, you will be doing that too! As hard as it is to imagine right now, you will be laughing at all the bull you went through. It sure will make you a more knowledgeable person! That's one thing! I learned a lot! And there are soooooo many people on this site that have gone through it all. We can help you with whatever you're having problems with. If we don't know the answer, we can get someone who does. So, worse case/best case - my answer to you is that you're going to come out on top and all this will be behind you. I'm telling you from experience and so will many, many others. I know you've got it in you, egypt. If you need to come here and just post your fears or your disgust, please do. We are here. If you run into a brick wall and are stuck, come here and post. We can help you. If you have a set back, post. We're here still! We will be here for you to help you the entire way until you finally post "I am pdl free!"

Egypt...All I can say is that Cannr is so very right. Like I said, you have come so far. So many of us have been where you are and have made it to the other side. You will too. We will be here for all you ups and downs, to encourage, advise and help as much as we possibly can. I stuck around becuase I will never forget the desperation I felt when I first posted and then the relief I felt when all these people jumped in and helped me. And now...things are soooooo much better. You will get there. And we will be here for anything you need.

Yesterday I went in and had a sit down talk with the man who works for that lady...he mentioned that he has been *yelled* at by her before too and it was not pleasant. I told him I had no clue as to what she was asking of me. He called her husband who told him to call her and the essence was...pay the $120 a month in fees and somehow out of the kindness of her heart, she would knock 20$ a month off the amount I owe...keeping in mind the past two weeks I gave them $110 toward what I thought was a paydown.
He told me I ought to default on the loan...which of course would be send to teletrac (or whatever) and I could never write another payday loan.
Cannr, I am getting mad now? Do you mind telling me what company tried to attach your wages? Far as I know, my account is closed (and another opened)
I am getting a slew of calls. The ones most appealing are the ones from BIG as I cannot even understand a word of what they are saying to me.

egypt, okay, you're going to have to file complaints against your storefront. They have left you no choice. I went back through and read this entire thread and your state pdl law. I am going to paste something from your state pdl law for you to see what I'm talking about:



What this storefront is doing is WRONG. Your 120.00 is to be applied to the loan amount, not "fees". As it states, NO ROLLOVERS - CANNOT RENEW OR OTHERWISE CONSOLIDATE. By them taking your 120.00 and saying it's "fees" is rolling it over. Prohibited. And her saying she will "knock off" 20.00 per month on what you owe - prohibited. The payments you are making are to be applied directly to the loan amount. They are breaking the law. Period. Honest to God, egypt, I'm not lying to you. You can read it for yourself. They are ripping you off and breaking the law. File complaints against them now. As for the gentleman telling you to default on it, he may have a point. Let me just tell you a little bit about defaulting on a storefront pay day loan. If you default, they can send it to collections (which you can make payments), they can send it to their corporate office (I'm not sure if these guys even have one!) for collections (which you can make payments), they can send it to an attorney for collections (which you can make payments; however, the attorney will add his "fee" on to the amount owed). OR they can take you to CIVIL court. I pasted the information from your state pdl law to clearly show you that criminal action is prohibited. They will not "come after you" and press criminal charges. No. They can take you to civil court if they want to be a$$holes, and that's just fine. But, please note, that it does state you may have to pay court costs if this were to happen. So, worst case scenerio? They make you go to civil court. What happens? You can set up payments. I mean, HELLO! These guys are friggin INSANE at this storefront. Insane. I just wonder what would happen if you waltzed in there with a copy of the state pdl law and shoved it in their friggin face. They are breaking the law. Now, as for defaulting, what MIGHT happen (and they don't all do it), is that until that check is paid in full, you may lose your ability to write checks. This is not a horrible thing. Hell, I went through it. While I was paying one of mine off, they did report me. I couldn't write checks. I could use my debit card, anything else, ATM machine, whatever. I just couldn't write a check in a store. I could still write checks to my bills, just not a store. It would get rejected. As soon as the check was paid in full, it took about 3 days for it to be removed from "the system" and I could write checks again with no problem. There were no negative marks on me. Nothing. I was just temporarily unable to write checks at a store. I didn't mind because then I would just use my debit card. It honestly didn't hurt me one bit. I understood. I was like "Okay, when it's paid in full, you'll remove me from the system, right?" Yes. And, yes, I was removed. It doesn't stay with you forever. I'm "normal" now! So, my point is that actually you CAN just stop paying these a$$holes. However, keep every single receipt with every single payment you have made towards the balance. Keep notes of what the wicked witch has told you. File complaints against them. This way, if they do decide to take you to CIVIL (not criminal) court, you will have so much documentation, it'll make them look like the fools that they are. And, you have every right to be mad. These guys are breaking the law. You don't need the stress. You're right - they are wrong. You can stand firm behind that. I swear, nothing "bad" will happen if you default. Hell, I had to default on mine in order to get payment arrangements! So, I did. I was scared to death, but it worked out perfectly. I got everyone paid off. So I couldn't write checks for a bit. That was the worst of it. Now, is that so terrible? No. Well, if you have a debit card, you're fine. And you can write checks for your bills. Just not at stores. And you will be removed from "the system" within days of having the check paid in full. Please reassure yourself by reading what I have quoted on here about your state pdl law. They are doing "rollovers" - prohibited. And criminal action is prohibited. You don't have to be afraid. Okay? They are robbing you.

Now, as for who tried to pull the old wage assignment on me - it was Cash Transfer Centers. Notorious for sending out wage assignments. BIG are just a bunch of jerks who's job is to call you 100 times a day and spout gibberish in your ear that you can't understand. They will argue your head off and they are wrong in everything they say (if you can make out what they are saying). If they call and you answer, hang up. They will call a million times. I hate to say that, but they will. Honestly, I changed my phone number to prevent them from calling me anymore. I couldn't stand it. After screaming at them and going around and around with them and them calling my phone 20 times a day, I said "Screw this" and changed my number. They can't do crap. All they can do it sit in their country and dial phone numbers. Do not let them intimidate you. They are worthless. They didn't do a wage assignment on me. After changing my number, I don't hear from them anymore. And they can kiss my a$$ anyway. I overpaid the idiots. They never responded to my AG. I just let it go. To me, they don't exist.

P.S. - I was just reading through your thread again. When this gentleman told you that you could "never write a check for a pay day loan again" - that is not true. This particular storefront may not let you write one again (and you don't want to); however, once your check is paid in full - you are no longer in any "system". Not saying that you're going to go to a storefront and write a check again, but I just wanted to let you know that is not true. Your account will be just fine. You can write a check to anyone you want once this one is removed as paid in full. I don't know if he said that to "scare" you or if he said that because that's what the wicked witch told him. But, it's not true. Yes, you can write a check again.

I am not sure how to use the quote option....but I am confused..what makes this rollover different from a re-write when you pay the money + the fee and write your check. I did not take them $230, I told them the account was closed? I only gave them the $50 the first time thinking an agreement had been made that this would go toward the payment.
And what does it mean to consolidate...not the same as a paydown in which everything would go toward the principle?

[And then I took her the $60 two weeks later as she said she had to have $60 not $50]

And I am thinking he meant it would be reported to just that company that checks for other payday loans, rentals, etc. Not the company that says you wrote a bad check...how could they call it a bad check when they knowingly accepted a check with you having no money in your account? One is TeleChek and one is Teletrac...I think.

egypt, okay, I think I know where I got the 120.00 from now. They want 60.00 every two weeks? Is that it? And it's going for "fees", correct? What the law states is that you have to go in there, pay the amount in full, and then rewrite another check. Not go in there, give them 60.00 for "fees" and carry it over for another two weeks, go in there, give them 60.00 for "fees" and carry it over another two weeks. That's rolling it over. They must take full payment and you can rewrite. They can't take "fees" and roll it over for two more weeks and pay "fees" again. It's prohibited. So every payment that you have taken them, it should have been applied to the loan amount. They are carrying the loan over (rollover) which they are not supposed to do. And I see what you're saying about what the guy told you about reporting you so that you can't take out another pdl or go to a rent-to-own place. That's an internet "thing". If you default on an internet loan, they send it out to let the other pdls know you defaulted, so if you attempt to take out another internet pdl, you're going to be turned down. And probably for a rent-to-own place also. Am I making any sense here? I try to type it so it makes sense! It's in my head, but putting it in words is hard!