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Sub: #49
Replied on 03-31-2008, 12:01 PM
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this is Jonna i can't get logged in under my id, anyway went to bank and closed my account. assured me that when account is closed nothing can go thru or force open that account, and if something tries to come thru that is not listed they will call me
so now what do i do?
i have a number for stcadvance.com it is 18006801357
can anybody help with this one.

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Sub: #50
Replied on 03-31-2008, 02:21 PM
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has any body had any luck with geneva roth(loan point) or paydayone on paying them off or arrangments to pay



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Sub: #51
Replied on 03-31-2008, 07:16 PM
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That phone number is something else! It comes up as a job recruiting website for various countries. Here's what it has for that telephone number:



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Sub: #52 PDLS IN TENNESSEE
Replied on 03-31-2008, 08:58 PM
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YOU WON'T HAVE NY LUCK WITH GENEVA ROTH (LOANPOINT) THEY WON'T WORK WITH YOU AT ALL!

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Sub: #53
Replied on 04-01-2008, 07:07 AM
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went to bank and closed my account. assured me that when account is closed nothing can go thru or force open that account, and if something tries to come thru that is not listed they will call me
so now what do i do?
i have a number for stcadvance.com it is 18006801357
can anybody help with this one.
when do i contact the bbb about the illegal ones and what do i do about the legal ones because i do plan one paying the money i need help on what to do next please.


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Sub: #54
Replied on 04-01-2008, 09:54 AM
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JOnna, Good job with the account...I went and read your new post to and am going to post here to keep all your information on one thread. Go back and read through your thread...Cannr outlined your next steps. I am going to give you a link to a sample letter you can tailor to fit your needs. If you need help with it just ask. You will have to scroll down the page to find it. I posted the information on filing on one of the earlier pages...

http://www.debtconsolidationcare.com...ding-loan.html

Now...using this letter you will write a letter to each pdl. The ones you have to work out payment plans, you will tell them how you are going to pay them, how much and when. When you mail the letter send it certified return receipt. If you want you can fax it and e-mail it too.

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Sub: #55
Replied on 04-01-2008, 10:07 AM
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do i need to tell the legal ones that am trying to keep my house or do you think that they just don't care?

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Sub: #56
Replied on 04-01-2008, 10:11 AM
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sorry didn't know i wasn't logged in
do i need to tell the legal ones that am trying to keep my house or do you think that they just don't care?
how do i know when it is safe the debits are scheduled for 04/04/08 to come out
and the legal ones do i just need to tell them that the bank closed my account. and need to make other arrangments for payment?


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Sub: #57
Replied on 04-01-2008, 10:14 AM
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jonna, It can not hurt to tell them and try to work out an arrangement you can live with. It may not be easy and they may fight you but all you can do is fight for what you can afford.

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Sub: #58
Replied on 04-01-2008, 10:59 AM
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It's not like i'm not going to pay, i did borrow the money, i am willing to pay it back.
should i wait until after friday to send the letters to make sure that the debits don't come out, my bank assured me that they would not, i'm not sure when i need to send the letters to the illegal ones as well as trhe legal ones

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Sub: #59
Replied on 04-01-2008, 03:18 PM
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I sure would not send out the letters until the bank has definitely closed your account. I would call the bank tomorrow and make sure it is closed. Call it paranoia.
I intend to repay all of mine, but have had one set back after another since I started to do this....I figure they will get what I can send them or else.
I have had one or two companies be civil but the rest are mad that they are not going to get my money every other week.
I am going to sit down and make out a budget to make sure I am not committing to more than I can afford and go from there.



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Sub: #60
Replied on 04-01-2008, 03:26 PM
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jonna, you're doing fine so far, okay? The illegal pdls that you're going to send the letter to, wait until you know your bank account is totally closed/blocked and nothing can hit it any longer. Once you are sure the bank account is safe, then send the letters. In the meantime, you can start typing them up with all the information needed in them.That way, they will be ready to go on Friday or Saturday. Wait until Monday to call your legal pdls. You'll know your bank account is safe, and you can tell them THE BANK closed your account. Tell them the bank closed it, okay? Then tell them you will need an alternative way to make payments to them. They will have to work with you because they have no other way to get payment since they can't debit any more. Deny having a bank account. You don't want them to debit, okay? You can pay another way. Work out a payment plan with them that you can honestly live with. You can tell them your situation, if you wish. Some will work with you, others will not. It just depends on the pdl. But try to stand strong. You can put your illegal ones on the "backburner" for just a bit if your account is safe from them. Concentrate on the legal ones first, since they are legal. But wait until you know for sure that your bank account is closed. If you have any questions, just post!

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Sub: #61
Replied on 04-02-2008, 06:48 AM
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Thank all of you for your help, i do appreciate it. If I have anymore questions I will be sure and ask, one more qustiona when should I notify the BBB about the illegal ones and would I do that about the legal ones?


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Sub: #62
Replied on 04-02-2008, 09:26 AM
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You can file complaints with the bbb whenever you are ready. You can file on the legal ones as well, especially if you are making attempts to pay them and they are making things difficult. They will most likely say you knew what you were doing when you signed for the loan, but atleast the complaint will be on record for others to see. With the BBB you can file a complaint on a legitimate business. I never used them before my pdls issues, but have used them on several occasions, non pdl related, and it worked out well in my favor.

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Sub: #63
Replied on 04-07-2008, 06:24 AM
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do i call the BBB or do I do it over the internet?

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Sub: #64
Replied on 04-07-2008, 06:33 AM
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You can file a complaint right on their internet site.




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