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guest · Posted: Wed Sep 13, 2006 1:41 pm Subject: Need encouragement that there is hope

Paying off PDL's is soooooo slow. I can only pay off one each payday. That's 2 per month and I have 7. I can't keep doing this for another 4 months. Who here has already experienced their payday loan independence day?

Please tell me there's an end...........

Posted: Wed Sep 13, 2006 1:51 pm Subject:

Guest--

There are a lot of us who have come through this. I paid mine off a few months back.

There is an end, and it will come sooner than you think.

Are your loans storefront or internet? Are you sure you haven't overpaid what is legal in your state?

Tell us more about your situation, and we'll try to get you through this quickly. Smile

Posted: Wed Sep 13, 2006 1:54 pm Subject:

Yes, there is!! Nothing last long, not even these payday loan problems. Browse through this forum and find out others who have been in similar problems. Now, some of them are payday loan free. You also can do it. If you are comfortable paying two accounts each month, do it that way only. Let other lenders wait for a while. Don't forget to keep in touch with them. Get all the latest statements of your debt accounts from them. Revise them thoroughly if the charges are within the state laws. Always be available to the lenders, especially those not violating the laws (storefront lenders) so that some arrangements can be done for you.

Posted: Wed Sep 13, 2006 7:46 pm Subject:

Wow,
Paying two off a month IS GREAT!!! I have been doing this for a year!! I've paid a bunch off but still have a bunch to go. You're doing better than me!

Posted: Fri Sep 15, 2006 7:55 pm Subject:

Guest...
You will get there, I promise. I had 6 loans, and became payday loan free in the spring. Life is great.

Jess is right..If you tell us more about yourself and your pdls, we can help more...Some of us may've dealt with the companies you're dealing with.

Posted: Fri Sep 15, 2006 8:03 pm Subject:

fins and Jessi is absolutely right. You will get there. We had 13 pdls. 5 store front and 8 online and we became pdl free early this summer. It is such a weight lifted off your shoulders when you get rid of them.

Posted: Fri Sep 15, 2006 8:07 pm Subject:

Wow. How long did it take you to get there Tammy?

Posted: Fri Sep 15, 2006 8:07 pm Subject:

i live in ohio and have 2 online -paydayok, mycashnow, and 3 storefronts, americas check mart (ACM), check into cash, and cash connection. just closed bank account today. so far just one call from check into cash. they told me to either borrow the money from family, or another payday place to pay them.

Posted: Fri Sep 15, 2006 8:09 pm Subject:

PLEASE do not go to another pdl to pay them. How much have you paid on the 2 internet pdls? Getting another pdl is just going to add to the problem. Then next pay it's just another one you can't afford and more bills that can't get paid. Just keep after the storefronts to work out an agreement.

Posted: Fri Sep 15, 2006 8:13 pm Subject:

amy445,

We consolidated them with T&C in December 2005 and thanks to polly's help, all got marked paid in full. All the online lenders were way over paid some more than $1000.00. I paid the store fronts one at a time. They all demanded payment in full and I sent $25.00 every two weeks til each one was paid. They didn't like it, but if they wanted their money, they would take the payment we could afford or get nothing.

Posted: Fri Sep 15, 2006 8:18 pm Subject:

I had 5 online pdls. Since I've filed a complaint, 1 has marked my acct. paid in full due to overpaying them. One is wanting to argue with me, I am not backing down, they keep flip flopping over which state law they want to use, when I point out either way they are breaking both OH and NM laws so I am up for a complaint in both states, they get mad. That leaves 3 others who have yet to respond. I'm still waiting, I'm not settling for anything I have paid way over the legal limit allowed and I want them all to be paid in full. I've already paid out over $2500 in interest fees alone for a total of loans amounting to only $1200

Posted: Fri Sep 15, 2006 8:18 pm Subject:

So the one's you consolidated were storefront?

Posted: Fri Sep 15, 2006 8:18 pm Subject: Amy

Noway am I doing that. I am not crazy...... yet. But I have paid paydayok about 58.00 but the loan was only for 150.00. the other one i have paid about 265.00 on a 480.00 loan

Posted: Fri Sep 15, 2006 8:19 pm Subject:

how much does the consolodation places charge and do you have to have good credit. mine sucks.

Posted: Fri Sep 15, 2006 8:23 pm Subject:

T & C doesn't require good credit. You set up a payment plan with them and make your initial payment. Then pay them once a week, biweekly, or once a month to pay your creditors. I don't think most consolidation companies requrie good credit because most people looking for help more than likely do not have good credit due to high debt or difficulty paying off debt.

Posted: Fri Sep 15, 2006 8:27 pm Subject:

is it expensive? how do i do this?

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