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 Posted: Thu Mar 20, 2008 4:28 pm
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National Payday
2274 South 1300 East, #G8-297
Salt Lake City, UT 84106
Telephone: (877) 807-4827
Fax: (866) 457-2558
The BBB website also had these addresses listed
National Payday Advance, LLC
4630 N. University Dr. #433
Coral Springs, FL 33061
National Payday Advance, LLC
2825 East Cottonwood Pkwy Ste. 500
Salt Lake City, UT 84121
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Thu Mar 20, 2008 4:32 pm
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I could not find anything for Everest Peak. I am sure someone will pop in to help.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Thu Mar 20, 2008 4:39 pm
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OK so im gonna do things in this order
my checking account is in the positve right now and i have enough in there to cover this weeks payments
im going to bank on friday and close the account im in the process of typing up all of my letters i will mail them out sat morning when i have time to go to post office and send certified mail.
i read somewhere to tell the bank i have revoked authorization for them to debit the account do i need to provide proof to the bank that i have done so
and in tennesse am i in jepoardy of going to jail for closing my bank account if the internet pdl still continue to debit my account
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steven8179
Joined: 20 Mar 2008
Posts: 6
Debtcc Points: 141
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Posted: Thu Mar 20, 2008 4:47 pm
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Criminal action prohibited. You can read that on the laws. Do not worry
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Thu Mar 20, 2008 4:48 pm
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everest peak has also removed debits as geneva roth financial
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steven8179
Joined: 20 Mar 2008
Posts: 6
Debtcc Points: 141
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Posted: Thu Mar 20, 2008 5:02 pm
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It really helps to tell the bank that unbeknown to you these Internet companies are illegal, and not licensed to be charging these fees. Take a copy of the laws from *our* state if necessary. I mean, the bank is helping them in fraudulaent activities, no? Otherwise, I would take copies of those letters you are sending on Sat. to the Bank on Fri? If you can?
These are just suggestions from a *newbie*, which I am, like you to this? Others can tell you if this is right or wrong...but I am sure this is what they suggested to me.
My bank said that to close, I had to decide on a day to close. Any favorable checks had to be through the account or they would be sent back too. Any reason why you want to pay these guys another time? If you have no other checks out...you can close.
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4669
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Posted: Thu Mar 20, 2008 5:06 pm
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you guys are so awesome like i said earlier just to be able to talk and get off my chest has done wonders im in the process of typing all my letters and for the first night in a long while i was able to actually enjoy a meal i know i have long way to go but you guys have made it so much easier i thought i was some sort of dead beat and crook but im just an honest person who made some mistakes thamk you guys so much for advice and guidence
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steven8179
Joined: 20 Mar 2008
Posts: 6
Debtcc Points: 141
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Posted: Thu Mar 20, 2008 5:10 pm
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GENEVA-ROTH CAPITAL, INC
1338 S FOOTHILL DR STE 325
SALT LAKE CITY, UT 84108
Steve we atre all here to help. Just post what you need.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Thu Mar 20, 2008 5:13 pm
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ok just another quick question should i wait till this weeks debits go through b4 i close my account or take out money and close right away
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steven8179
Joined: 20 Mar 2008
Posts: 6
Debtcc Points: 141
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Posted: Thu Mar 20, 2008 5:52 pm
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AS I mentioned earlier, I kind of think this is up to you? Do you have other checks to come through? I did, but knew they would go through before the Fri the Internets were due to go through. They did, but at the time the bank gal told me to put the hard debit freeze in place, then I closed my account.
From what you have said, and what everyone has told you, if these companies are illegal, you have already overpaid them? It has been a couple of weeks and I have not heard from all the companies I dealt with yet. I am still in the process of eliminating the legal store fronts I have.
I imagine you will be paying them about $90 a peice? Can you use that on your other bills? I know I felt like I was in the wrong, but then I thought of the amount I had already paid them.
It general does not work to name a time, company and amount they will send them through after the first is rejected as they send through any amount on any day, in any name they chose.
Someone else may be able to offer more sound advise as to let them debit this time or not.....
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4669
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Posted: Thu Mar 20, 2008 5:58 pm
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Sorry, I just read that some of yours may be legal...can you contact them and arrange another form of payment than the debit?
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egyptcrossarabs
Joined: 18 Jan 2008
Posts: 254
Debtcc Points: 4669
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Posted: Thu Mar 20, 2008 6:59 pm
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| Code: | | ok just another quick question should i wait till this weeks debits go through b4 i close my account or take out money and close right away |
If you can I would!!!
| Code: | | i read somewhere to tell the bank i have revoked authorization for them to debit the account do i need to provide proof to the bank that i have done so |
You can show your bank the letters you are sending to the PDL's, but if you are closing the account anyhow, then you are good to go. PLEASE ENSURE that the account will not re-open if a PDL sends a debit through...be clear when you leave the bank that the account is closed for good OR if there is any question that the account might reopen have them place a hard debit block on the account.
I had a combo of legal/illegal internet PDL's but the only way to stop them is to close the account. Like Kash pointed out, TN law does not allow for criminal action. We wouldnt steer you wrong!
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24889
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Posted: Thu Mar 20, 2008 7:02 pm
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| Code: | | you guys are so awesome like i said earlier just to be able to talk and get off my chest has done wonders im in the process of typing all my letters and for the first night in a long while i was able to actually enjoy a meal i know i have long way to go but you guys have made it so much easier i thought i was some sort of dead beat and crook but im just an honest person who made some mistakes thamk you guys so much for advice and guidence |
You are welcome..we are all here to help and have been in your shoes! Sleepless nights, worrying all the time....these PDL's will control your life if you let them! Time to take control of your $$ again!
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volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24889
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Posted: Thu Mar 20, 2008 7:37 pm
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ok my bank manager called me this evening he will not be in on friday so he wanted to see what i needed to discuss i explained to him the problem and he issued a check that i can pick up at the bank on friday morning for the money i had in the and assured me that he put a hard block on the account through the fraud department so as of 12 midnight my account will be closed and he also said if for any reason if the ach debits do make it through he will revert any charges incurred he also gave me his cell phone number if i had any questions and applogized and said that wachovia should have caught this sooner and apoloigized for any difficulties this may have cost and went out of his way to point out this happens to thousands of people and i shouldnt feel ashamed well now all i have to deal with are the annoyning phone calls
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Guest
Debtcc Points: 100
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Posted: Thu Mar 20, 2008 7:46 pm
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Hi Steve..that is fantastic!
You are in good hands with your bank manager.
PS-I work at Wachovia.
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volleyballmom
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Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24889
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