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Posted: Wed Nov 08, 2006 7:52 am Subject: Pay Day Ok and Pay Day Select

I have sent the letters to them several times this week with no response. I was wondering how long does it usually take for them to respond. Should I file the complaint since they won't respond?

I'm so glad that I found this board. Everyone is very helpful

Thanks

Posted: Wed Nov 08, 2006 7:57 am Subject:

Try sending both of the emails. I got responses within a day or two from both of them. And they are easy to work with.

Posted: Wed Nov 08, 2006 8:01 am Subject:

Are the letters asking to work out payment arrangements, or to say that you have overpaid according to your state laws and want the accts. marked "Paid in Full"?

I actually emailed Payday Ok with a request to mark my acct. as "Paid in Full" because I had overpaid, and I got a reply back in less than a day. You could try emailing and faxing both companies to see if that gets you a response.

Posted: Wed Nov 08, 2006 8:51 am Subject:

I have emailed them everyday since last week with no response. I sent them a letter stating that I had overpaid according to Tn law and I wanted my account marked "paid in full".

Posted: Wed Nov 08, 2006 9:01 am Subject: payday ok

kstrayhorn, I would keep up those e-mails until you hear something. They are located in Ruisido NM. They are being sued by the state of WV. Good Luck Hope you get an answer soon. KYSIDE38

Posted: Wed Nov 08, 2006 9:14 am Subject:

I just received a settlement from Zipcash. I am so happy but I can't open the file. It's in .dat format. Does anyone know how to open it?

Thanks

Guest · Posted: Wed Nov 08, 2006 11:24 am Subject:

I also have a dispute with paydayok. They have always been really good about returing emails almost immediately whenever I have had a question or needed a payment extended. But now that I want the account paid in full because they violated MI laws. I have paid $1000 for a $500 loan and demanded the account Marked PAID IN FULL. I have sent about 3 emails a day to these people and have not heard anything from them. I even filed complaints with the BBB, FTC, and MI Attorney Gen. office. I told them I have complained, and still nothing. SO I don't know. I know they haven't closed the account cause when I log in it keeps adding up. But I changed my bank account, my phone number(it is now unlisted) and I have changed jobs since the original loan. So they haven't been harassing me. I am harassing them for a change.

Posted: Wed Nov 08, 2006 11:44 am Subject:

I had loans with both Payday OK and Payday Select, and I had to keep emailing and faxing them for at least a week. They did eventually both mark my account paid in full. Just keep emailing and faxing them until you get a response.

Guest · Posted: Wed Nov 08, 2006 12:33 pm Subject:

WOO HOOO. Just got the email from PAYDAYOK. The account has been closed. Harassing works. And so does complaining about them. I only owe 200 on another loan and that one is also PAID OFF. Then I am out of PDL HELL.......

Posted: Wed Nov 08, 2006 3:33 pm Subject:

Pay Day Ok and Select just closed my account with no other collection activities. I guess I have emailed them so many times that a lady called me and apologized. She said that the acct is closed. She was very nice and told me that she wanted to make sure I received the emails. I'm so glad I found this board. It's been a week and have already had 3 settlements. WOOHOO!!!!!!

Thanks

Posted: Wed Nov 08, 2006 3:55 pm Subject:

kstrayhorn28, take some rest and celebrate this small success after all your hard work done. You deserve it. Smile

Posted: Wed Nov 08, 2006 4:55 pm Subject:

Hooray!!!kstrayhorn28!!! Congratulations to you!!! Doesn't it make you feel
G R E A T !!!!!!!!!!!!!!!

Posted: Wed Nov 08, 2006 7:05 pm Subject: payday loan

kstrayhorn, Congradulations it really feels good to start getting these people off your back. Best Wishes KYSIDE38

Posted: Wed Nov 08, 2006 7:12 pm Subject:

Guest,

You couldn't have said it better. "Harrassment DOES work", that is why collection agencies frequently use those tactics; they just don't expect to receive it in return. If you make contact with them and stick with it, and are relentless, eventually, they will get tired of you and just write your account off...

VALERIE · Posted: Wed Nov 08, 2006 9:35 pm Subject:

Paydayok must be ticked off today. They wrote of my loan today. Said I had satisfied my loan and the account was closed. They didn't like hearing that I filed complaints against them, I kept emailing and emailing demanding my loan be marked paid. That they violated my state laws, I emailed my state laws. So they finally did it. I am now writing letters to all my state reps, senators, anyone I can think of to get these places banned. They are taking advantage of poeple when they are in financial turmoil and just putting them in worse situations than they were already in. We all need to stick together and get rid of these places.