We need some help to come out of Payday loans

I am sorry for getting so upset on my last post, but I have felt comfortable being able to let it out on here and not be put down for our stupidity and ignorance. Stupidity and ignorance that may cost us our home that we worked so hard to get. I some times wish I had never had my surgery and that I might have been able to hold off a little longer and then maybe we would not be in this mess that we are in and would not have to worry about where we are going to come up with the money we need to keep our home and then just thinking about what we may have to tell our kids, it is just killing me inside and it is so hard to try to keep it all in and stay up for them and not let them know how bad things really are. I know that if we can get these things (payday loans) out of our hair, we will have that money in the bank and will not be short all the time. We worked so hard to get this house and everything and in a year, it looks like it is all going to fall apart. Here I go again....I am so sorry. I am trying to get myself to quit crying and pull it together before my kids and husband get home. Please say some prayers for us that a miracle will happen somewhere/someway that we can save our home and get back on track and have a happy household and family again, and maybe it will help with the strain that is between me and my husband too.

I also want to say thank you and bless everyone for all the advice and direction you have given me to get started on getting rid of the pdls. thank you so much.!!!

You need to close that account and open a new one and ASAP! That is the first step in getting control of your paycheck and stopping the pdls from taking it all. If these are from the internet you need to file complaints with AG in your state and theirs. If your bank won't let the account close and let you open a new one, then you will need to go to a new bank to open a new account fast. And stop your direct deposit! It is the only way to get control back.

We are waiting word about a new account we had to apply for. We have also talked to the bank in refernce to the loans and we have to take a copy of the letter or email we sent them in regards to revoking our authorization and sign a paper, which my husband is planning on doing on Monday providing he does not have to work, so we are in the process of doing the bank thing, but that won't help with our mortgage problem, and that is my biggest worry right now. We have already emailed those that we could fine addresses for and have 2 ready to be mailed on Monday and the forms to fill out for the complaints to the AG in the state of NC.

2n? hand deliver a copy to your bank. Sorry, your husband needs to make this JOB ONE. I pray to the Lord above that you do not bank with B of A! Do not feel ashamed, these people have nailed hundreds of thousands of other people, you are not the first nor will you be the last!

*grrrrrrrrrrrrrrr* ! ! !

2nband,
It's OK, we've all been there--and trust me you are among people who feel your pain. I am also the parent of a senior and can tell you from personal experience that when it comes to senior activities, most schools do grant a fee waiver for financial problems. When my husband had to medically retire from his job, it left us living on my check and my oldest daughter was a senior. I barely had enough for basic expenses.
My daughter was able to get a fee waiver for Senior Ball and Grad Night--and it was like her Vice Principal told me: It was his philosophy that no student should be denied a senior activity because of finances. Thankfully, this very special man is still at our high school. And when it comes to marching band, we were told that if students earned a grade from it (which they do in our district), then a student's diploma or participation could not be denied.
So I would call your high school on Monday and see what their policy is. You might also be able to work something out with the senior pix photographer. Does you son work an after-school job? He could also kick in a portion of this. Have you ordered his cap and gown yet? Good luck, and pm me if you want to talk privately, thanks.

I am with you kscornell, I have twins who are seniors and luckily the scool has a policy that senior dues are 120.00 and this includes tickets to all of the events(all the seniors get one ticket per) and any other grad expenses. But I learned years ago that the pix that are taken at the school are outrageously expensive, so I always just opt for the one year book pic it is only 20.00 (usually) and then I take the kids to Pennys or Sears for the other grad pix. In fact my twins and their friends are all going to Walmart to have them done. As to the complaints - don't wait to snail mail the letters to the ags office - email them now - they will get your complaint faster, then follow up with the letter.

My advice---DEFINITELY stop the direct deposits of your paychecks into your account and open a new one at another bank (don't even mention your current bank problems).

When my daughter was a senior, I called up the student activities advisor and asked if they offered "scholarships" for the senior class Disneyland trip and for the Grad Night party. She said yes and all it took was me asking for it. the advisor said there was no way any other students could know who had paid for my daughter's fees.Definitely call and talk to someone at the school, maybe start with your son's counselor.

As far as the senior pictures, if I remember right, we had to pay a small fee for the year book picture and you could order small or large packages and have special sittings, etc. We went with the very basic stuff. Again, check with the activities coordinator. My daughter had a part-time job at McDonald's during her senior year and was able to pay for some of her extras.

You do what you can for your kids. If your son helps out by paying for it himself, it will be much more meaningful to him in the long run. Good luck.

these clowns are goin' down......you can run, but you ain't gonna hide!

*evil *F'n* grin*

OK, I think I have everything ready to go as far as what I have to mail out, which is a letter to Whistler Holding. Used the email address for Dennis Best for MagnumZ LLC. I have made copies of all the letters/emails I sent out so my husband can go to the bank on Monday and let show them the letters and sign the form needed to keep them from withdrawing any more money. A couple of the companies I did request refunds from and told them I wanted my accounts marked paid in full and that I wanted a copy showing where the loan was paid in full. I will be sending Whistler Holdings Certified mail and will probably send it priority mail also, and they should have it within a day or two.

Tomorrow, probably from work, I will be getting all the paperwork ready for the Attorney General get that to them as soon as I can. If I mail it one day, they should have it the next day since I work in the same city at them. Anyway, that gets that going.

As far as my son goes, we did not order a picture packet from the people that did the year book pictures because I just could not afford them. We will be taking him probably to Wal-Mart or Sears or some place like that to get his pictures taken.

Yes, he does work a part time job and is offering to help pay his stuff, and he also has to save for a car because I drive him right now (he only has his permit because I cannot afford to add him to our insurance yet.)

We have tried to work with the school on his band thing, but his fairshare is what I still need to pay, which I owe $200. It was $1050. (They got to a lot of competitions in state and out of state, so what I pay goes to help pay and fund these trips).

Anyway, anyone got any suggestions where I can get $2500? That is my next biggest concern is saving our house. Right now with our credit, we can't get the house refinanced. I just have knots all in my neck and shoulders and did not sleep last night. Sure could use some suggestions on what I can do? Like I said, the mortage company wants the money and has basically said that the mess we got ourselves in is our problem, which duh...we know that, but just needing some help.

kscornell ~ tired to pm ya, but didn't go through.

I also tried to get on Whistler Holdings / XpressCash.com and cannot actually find a specific site for them. I get tons of other stuff instead of them. Was going to email them my letter, but now have to mail it.

Coming in a little late here, but I just want you to know that you should not beat yourself up about your decision. We have all been there. At the time we thought it was a good idea. And more likely it was the only choice available to us. Borrowing to fill the gap is a necessary option. But, when we don't qualify for other options and PDLs are the only option to take care of a need, we end up paying for it big time. I guess the answer is as someone once told me ... don't be desperate. That's a hard thing not to do since the majority of us are still living paycheck to paycheck and have no ability to put anything aside for a rainy day. Heck, whenever I had some money for a rainy day, I realized that my head was already wet from the rain.

Debt Fairy,
So true. so true. I have to use that quote!! And in re to catching up the mortgage, I know in my area, we have a group that specializes in paying off back mortgages, rent, etc. You also might want to ask if the Salvation Army does that sort of thing in your area--or if they don't, could they point you to a group that does.
It might be income-based and you'd probably have to do a loan agreement with them, but it's worth a shot. And 2nband, you can also pm from your mail box. Hit post message and type user name. This is going to get better, OK?

Also, check to see if the city you are in has a community action program. They receive funds from the government to help in dire situations. I've been helped a couple of times with 50% of rent when I was in a "forced move" situation where the landlord refused to fix problems with where I lived and created a constructive eviction situation. But, they also help with emergency funding if you are in a situation where you are in danger of becoming homeless.

Oops. I just realized we were talking about mortgage. I think community action can help with that too.

Great idea,
Because the point is to prevent homelessness, right?

Right.