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 Posted: Thu Apr 26, 2007 6:36 am Subject: What does it mean when -- |
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Payday loan companies you "owe" money to (read that as: you are demanding a PIF) stop contacting you altogether?
I have a different phone number, but I've sent email after email and fax after fax, and no one is contacting me.
What does this mean?
Has this happened to you?
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SarahR
Joined: 05 Apr 2007
Posts: 151
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| Posted: Thu Apr 26, 2007 6:46 am Subject: |
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Somtimes it is a good thing. It means they've decided to leave you alone. On two of the pdl's I had, I considered that a sucess becuase they were impossible to deal with. They haven't contacted me for quite a while, and the "debts" aren't reported anywhere.
It could also mean they sold the debt to a collection agency, and they just haven't contacted you yet. Or they could just be waiting until they think you've "forgotten" about them and will call out of the blue and try their tactics again.
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goudah2424
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| Posted: Thu Apr 26, 2007 6:55 am Subject: |
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Thank for the great answers/ideas. I just like to know what I'm up against.
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SarahR
Joined: 05 Apr 2007
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| Posted: Thu Apr 26, 2007 6:58 am Subject: |
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No problem . . . . What company is it that isn't answering?
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goudah2424
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| Posted: Thu Apr 26, 2007 7:16 am Subject: |
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TenDollarPaydayLoan and their many names they go by. They offered me a settlement that I refused, and they never got back with me. It's been two weeks.
Discount Advances -- still do not have a valid email for them. Sent faxes.
Cash Today LTD. Overpaid these people for nearly a whole year. Wanted 100 to settle. I said no. The BBB and the AG can't track them down. Was told they are overseas. I'm not too worried about them.
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SarahR
Joined: 05 Apr 2007
Posts: 151
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| Posted: Thu Apr 26, 2007 7:19 am Subject: |
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Route 66 was the one I had that finally stopped calling me and I call that a success. They are overseas too.
Two weeks isn't very long. I wouldn't assume that they've given up until you haven't heard anything for a couple months.
Are you still sending out emails, faxes, and letters? I would, just in case. You may want to let them know that even if they have "forgot", you aren't forgetting.
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goudah2424
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| Posted: Thu Apr 26, 2007 7:32 am Subject: |
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Oh yea, I've been sending one email and one fax everyday. 
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SarahR
Joined: 05 Apr 2007
Posts: 151
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| Posted: Thu Apr 26, 2007 7:33 am Subject: |
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I agree...not all of them are going to answer you. A lot of times with that, it is just a wait and see. To me, as long as they weren't touching my account, I was happy.
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2nband
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| Posted: Thu Apr 26, 2007 7:41 am Subject: |
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Yeah, that's where I am at -- at long as I can wake up every payday, check my account, and see all of my paycheck there, I am happy.
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SarahR
Joined: 05 Apr 2007
Posts: 151
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| Posted: Thu Apr 26, 2007 7:46 am Subject: |
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Payday Avenue hasn't contacted me in at least three weeks then I got home yesterday and I had a nasty message from them. I also have not heard from 500fastcash, United Cash Loans, or Nationwide Cash in at least as long.
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Sassnlucy
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| Posted: Thu Apr 26, 2007 7:46 am Subject: |
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Sarah- Most of my PDL's have never responded to my letters, they have just stopped contacting me as well. I have only gotten one PIF letter but I am not complaining!
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Leah
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| Posted: Thu Apr 26, 2007 7:57 am Subject: |
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I never heard back from United Cash Loans either, until they sent that "check" through. No letters, no emails, nothing and then boom. All I can say is to keep an eye on your accounts if you have not closed them out and changed them because the will getcha. I hope that something can be done about this "check" they say I authorized, but don't know. It was for $65.
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2nband
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| Posted: Thu Apr 26, 2007 8:13 am Subject: |
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That is one of the downfalls of keeping an account open. Those checks are impossible to do stop payments on because you don't know what amount they will try for, or what check number they will use.
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goudah2424
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| Posted: Thu Apr 26, 2007 8:14 am Subject: |
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Yes, I've changed checking accounts as well. And I've sent out the revocation of wage assignments, etc. I think I've covered all my bases.
Good luck to you all --
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SarahR
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| Posted: Thu Apr 26, 2007 8:33 am Subject: help |
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I am needing contact info for GFSIL and DMS. I am trying to mail and email them a letter and can't find contact info..any help would be appreciated. Thanks, Mel
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