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Posted: Thu May 08, 2008 6:08 am

Ameriloan was one of the 7 or 8 PDL's I had when I finally shut down my checking account. I sent them the letter telling them they were illegal in Pennsylvania and offering to pay them the $30 remain on the $300 loan I originally had gotten. To my surprise I got an e-mail from them today:

The deposit from the above agreement must be paid back.

Deposit amount-$300.00
Amount paid as of 05/07/08-$270.00

Settlement Offer-$30.00-Which reflects repayment of the original amount deposited to your account.
IMPORTANT***THIS OFFER WILL BE NULL AND VOID IF ANY OTHER PREVIOUSLY PAID DEBITS RETURN AS OF TODAY'S DATE******

This offer is good until 05/09/08, this must be paid by Moneygram, THERE ARE NO OTHER PAYMENT OPTIONS ON THIS SETTLEMENT OFFER.

What is the deal with Moneygram? In my original letter to them I requested a physical address to mail a payment to and obviously they haven't given me one. Should I hold out or do this through Moneygram. I don't want to do anything which will give them a clue about my new checking account.

thoeypgh

Posted: Thu May 08, 2008 6:15 am

actually,i would make one more stand on the
money order.do you have there address.i would
offer if not to pay by prepaid debit card.
see how they respond to that.

Posted: Thu May 08, 2008 8:12 am

I e-mailed Ameriloan and stated I could not pay via Moneygram and would only pay by money order and therefore needed a physical address.

I got back a very terse reply that this was unacceptable and that my account would continue as per the contract. Although he did tell me to have a nice day Very Happy

.

I e-mailed back and told him I would consider a prepaid Visa card for the $30 payment and to give me a phone number to call. I figure there is no way to trace this back to my new checking account.

thoeypgh

Posted: Thu May 08, 2008 8:44 am

they should go for that,keep us posted.

Posted: Thu May 08, 2008 8:48 am

Well at least we have a dialog going now Very Happy

Here is their response:

I am sorry, because of other customer's abusing our offers for the deposit amount and then charging them back on their visa/mc, we are unable to accept payment in that manner. We have no way of differentiating between a prepaid, or one belonging to a customer. We also cannot accept mail payments due to our processing center again receiving checks that then must be sent back.
If you have a question on the moneygram process, and how secure payment is made thru their service, we suggest you call them at the # in the email below.
If you wish to call our # is 1-800-394-0089, but I am afraid I can offer no other settlement options for this offer.

I already replied that I had no intention of mailing him a check but a money order. I'm not sure why a money order is more of a risk than moneygram.

thoeypgh

Posted: Thu May 08, 2008 8:49 am

When I settled with Ameriloan I did pay them via moneygram as I wanted it to be over rigtht then and there. $6,95 was a small price to pay for my freedom from them.

Posted: Thu May 08, 2008 8:51 am

Additionally, had I had the information on the processor at the time, I would not have had to send them anything.

Posted: Thu May 08, 2008 8:53 am

i would keep right on them,soon you will seek a pif on the remaining thirty dollars.let them know that,they are illegal and either have to provide an address or else not get there 30.00,simple as that.do not back down however.moneygram my foot.

Guest · Posted: Thu May 08, 2008 10:16 am

Their reply:

For offers given for the amount of deposit only (essentially you recieved funds for free) only Moneygram will be accepted, any money orders are not accepted. Again, if you cannot accept that, then the account will continue per the contract.

Half of me wants to just pay the fee for the moneygram and get these people out of my life. The other, nastier side of me wants to start screwing them right back.

Opinions welcome - pay via moneygram or hold out for an address?

thoeypgh

Posted: Thu May 08, 2008 10:23 am

i would say it is your call,pm llw first though.sounds like that is good info,if not it is up to you,just be sure to get a PIF email.i did when i settled and they were hesitant to do it.just weigh your options.again llw bought up good info you can send a PM to them.

Posted: Thu May 08, 2008 10:38 am

I can't see why any "legitimate" company would not want to accept a money order; after all, they're guaranteed the funds, it's not like a check. Of course, then they'd have to give you a physical address, the money order would be easier to trace than a Moneygram... oh, yeah, NOW I see why they don't want money orders! (hee hee!)

Guest · Posted: Thu May 08, 2008 1:05 pm

i would just pay the 30 with the money gram, that is a great offer Confused

Posted: Thu May 08, 2008 1:13 pm

Agree, but it is totally up to you. If you can settle this, it is a start and a great feeling. And pleast give some thought to the processor.

Posted: Fri May 09, 2008 12:13 am

Call my me hard headed, but I always hold out for a physical address. As wheadle stated, what company would not accept any other form of payment if they were legit? I had quite a few pdls that I had to practically CHOKE the address out of them; however, I got it. Of course, the address to send the money orders to was totally different than any other address you will find for the pdls. Surprised? No. Now, you do whatever you want to. People opt to pay the Money Gram/Western Union fee just to get these idiots out of their lives. But, I'm a hard a$$. I want an address. This way, you have that information in case it's ever needed again. I sent mine to a physical address, certified mail, tracked it, knew when they received it, sent them an email immediately letting them know that I knew they got it and to email me a pif right then and there. But, that's just me. Everyone makes their own choice. You do whatever feels right to you. If you want them off your back, then go for the Money Gram. However, if they want to play hardball, I always play hardball back. Heck, they wanted their money. So they coughed up an address for me to mail it to. A person wouldn't think it would be that hard; however, that's just how hard the pdls try to "hide". Amazing.

Johnie · Posted: Fri May 09, 2008 12:43 pm

Has anyone had any dealing with a company called PRL direct? I think they are from Canada.

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