Internet's first get-out-of-debt community - 134,000 members

I HATE HATE HATE it when I make a really long post and then I go to submit it and I get some kind of debug error and my post doesn't go through!!!!!!!!!

When I joined this forum I filed complaints with the OH AG's office about UCL, Nationwide Cash, 500fastcash, Payday Select, Payday OK, Payday Avenue, and One Step Cash. The only one that has responded to the AG is OSC and they marked my account PIF. None of the other companies have replied to the AG. In fact when I followed up today on Payday Avenue and UCL, the lady handling my complaint said, I have not received a response. In my original letter to you I indicated it could take up to 90 days to be resolved. I will contact you when I
receive a response.
I take that to mean, "Don't bother me again!" What do you guys think? These places haven't contacted me recently except for Payday Avenue that keeps calling my mother in law telling her I am headed for jail. Maybe silence is golden............

Posted: Fri Apr 13, 2007 11:57 am Subject:

Well Sass, since you know you won't be hauled off to jail, then in my opinion - the silence is golden!!!

Posted: Fri Apr 13, 2007 12:03 pm Subject:

Or they might be forwarding me on to third party collections and then it will go on my credit report though, right? So it could get worse? Or am I overreacting?

Posted: Fri Apr 13, 2007 12:13 pm Subject:

Could be your overreacting, but I'm not going to say that. You'll just have to wait and see. Or call the companies that you haven't heard from and see what their deal is.

Posted: Fri Apr 13, 2007 12:16 pm Subject:

Most of the collection agencies used by these places are not recognized by the credit bureau...Also UCL and One click do their own in house....You would have receievd something from a third party by now...The two that sent me to collections did so very quickly...almost immediately after they got my letters and faxes...And whatever collection agency they were going to report you too...Fight them too. The one company didnt refer me to collections...they sold my account to collection agency so I told that collection agency taht since the original company refused to answer my letters taht I would send them the same letter and that I was also expecting my refund check now....

Posted: Fri Apr 13, 2007 12:19 pm Subject:

Posted: Fri Apr 13, 2007 12:19 pm Subject:

I am in a cynical, pessimistic mood today. Not that it is anything out of the ordinary. I will pass on calling them!!!!! Smile

Posted: Fri Apr 13, 2007 12:21 pm Subject:

Oh and I read somewhere that UCL was ordered by OK to stop lending so they may not respond and that all their contracts are null and void

Posted: Fri Apr 13, 2007 12:33 pm Subject:

Thanks, maybe that was what was wrong with my post. My bank account is closed so they can't get any more money, thank goodness. That would be awesome if they all just decided to leave me alone since I contacted the AG. I would like to have PIF letters just for my own recourse just in case but I will take whatever I will get. Too bad I am broke now because of them though. Sad

Posted: Fri Apr 13, 2007 12:40 pm Subject:

Babe- i am in the same freaking boat with you and it appears as though we don't have any paddles and the motor is burnt out....

Posted: Fri Apr 13, 2007 12:52 pm Subject:

Hang in there guys...sometimes it does take some time before a response can be gotten from these places. It might take someone contacting them (meaning the pdl places) before they hear back from them. I know from my experience, even when I was waiting for answers from the pdl places myself, it seemed like it took forever and that was because I was impatient. Just remain calm...(I know, easier said than done). Also you can blame everything on today being Friday the 13th!!! That is what I have done all day since my day has been crappy too! 35 more minutes and I get to go home!!!

Posted: Fri Apr 13, 2007 12:57 pm Subject:

It does take time. And many of these companies will back off once they are notified by the AG that they have a complaint against their company. Some companies will leave the consumer alone who has filed complaints and move on to the uneducated consumer who has no idea of their rights. So, chances are, if they have not responded to anything, and you have not heard from them, then you are done with them. I would not sit around and spend your time waiting and worrying, you already have taken control of your finances and they can not take anymore of your money. I know when the AG received responses from the companies the person contacted me and then followed up to make sure the company held onto it's written agreement on PIF. It can take time with some companies.

Posted: Fri Apr 13, 2007 1:01 pm Subject:

Thanks guys...don't know what I would do without all of you. Lucky you 2nband.....I have 2 more hours here and it is hotter than hades in my office and I wore a sweatshirt today.

Posted: Fri Apr 13, 2007 1:10 pm Subject:

My office is usually freezing cold. My boss turns the AC down to 65 degrees because he is hot. I sit here with a sweater on and my little heater going and am usually still cold!

Not sure where you are at, but in is 4:10 PM here, been here since 7:45 AM and am ready to get out of here. My husband got lucky enough to work during the day today so he is home and we are discussing maybe going out for a drink or two, but it will depend on how he is feeling and I am actually feeling when I get home. Might be one of those things that we might say the heck with it and fall asleep in front of the tv. Guess I am just getting old...can't "hang" like I use to. Confused

LOL

Posted: Fri Apr 13, 2007 1:18 pm Subject:

Hehe I have the office all to my self all day until about 5pm so I keep it on my temperature...Its so nice....I stuck here til 630 pm tonight Sad

I stopped being able to hang about 5 years ago at the ripe ole age of 24

Posted: Fri Apr 13, 2007 1:22 pm Subject:

I'm in Ohio-it is the same time here. OMG it is so hot in here. I sit just above the boiler for the university. I could cook a tv dinner on the floor.

My husband was off today because they ran out of parts in the factory he works in or something. We can't go out even for a bite to eat because between the electric bill and a pdl that my husband insists he can't default on, my whole paycheck is gone so we aren't doing anything at all. We have no cable cause we couldn't pay the bill and my cell phone will get shut off any day now.

I'm not into going out a lot on Fridays either except for something to eat-I am usually beat too.

Sorry to be a downer........I am really sad and depressed today.

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5th time I have tried posting this...OH AG Complaints Filed

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