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Posted: Tue Apr 03, 2007 9:09 am Subject: Reply to GFSIL

I decided to try and fight my pdls on my own without an agency at least for awhile. It appears none are licensed in California and California doesn't allow rollovers. I have paid more than the principle on all except two of them. I told each pdl that I would only respond via email and/or USPS. Only one has responded. I believe it is because I am current on all the loans. I have put a hold on all my ACH withdrawals from my bank. I can't close my account because I am overdrawn. I have been able to take these steps because of all the great info. I received on this site...thank you. I received a voicemail on my cell phone from Sam at GFSIL asking me to call concerning my email. Should I return his call or stick to my request to only be contacted through email or USPS. Any suggestions out there? Talitha

Posted: Tue Apr 03, 2007 9:15 am Subject:

Talitha,

If i were you, I'd call them. They don't respond to emails. I email them 25x per day, and they never call me back.

Is this one of the ones that you have paid more than the principle + legal interest?

Posted: Tue Apr 03, 2007 9:16 am Subject:

Ok Let me help you because I hate this Company...If you call them back they are going to treat you miserably, call you a criminal, and all kinds of things so only call them back if you can stand your ground and not let them intimidate you! Also, they are going to threaten you with bank fraud etc...My advice, just go ahead and file your complaints with them to your AG, and the FTC. They will tell you that because they are located in the UK that they do not have to abide by us law...This is a lie! IF they are conducting business in the US then they are bouny by US law...They will harass you non stop for a couple of months..BE FIRM AND RESEND YOUR LETTER AS MANY TIMES AS YOU HAVE TOO BY EMAIL< MAIL AND FAX! DO NOT BACK DOWN FROM THEM AND IF YOU HAVE TRUELLY PAID THIS OFF CONTINUE DEMANDING THAT THEY MARK YOUR ACCOUNT PIF!

Posted: Tue Apr 03, 2007 9:20 am Subject:

Yes. I have paid them more than the principle and legal interest.

Posted: Tue Apr 03, 2007 9:22 am Subject:

don't call them then, just harrass them. email them, fax them. just keep it up.

Posted: Tue Apr 03, 2007 9:22 am Subject:

Then keep reaffirming that! They need to mark your account pif!

Posted: Tue Apr 03, 2007 9:26 am Subject:

Thanks for your advice. People like you and this site have been a godsend for me and my pdl loans.

Posted: Tue Apr 03, 2007 9:42 am Subject:

Email # 22 to GFS - they just called me and hung up:

Someone from your phone # just called me...can you please communicate via email?

why won't you communicate in writing? is it because you know that you are violating CT State Laws with your predatory lending practices?

Please correspond in writing.

I WANT MY ACCOUNT MARKED PIF

Posted: Tue Apr 03, 2007 9:52 am Subject:

Sounds good sswett. Thanks Talitha

Posted: Tue Apr 03, 2007 10:01 am Subject:

I just sent an email to GFSIL telling them to respond via email rather than telephone. Something tells me that Sam's next voicemail won't be as pleasant.

Posted: Tue Apr 03, 2007 10:05 am Subject:

Hang in there though! You may never hear from them, but do make sure you watch your accounts! They might try to "sneak" a paper check through and then you are screwed. UnitedCash Loans did that and as soon as I get a copy of that check that says it was "authorized" by me for them to do it, it is going straight to the AG's office! Hang in there through!!

Posted: Tue Apr 03, 2007 10:08 am Subject:

They will try to sneak paperchecks in all over the place-TRUST ME! But be strong and be tough this company is nothing but a scam and they are gonig to try every tactic...DONT TAKE IT FROM THEM!

Posted: Tue Apr 03, 2007 10:15 am Subject:

Thanks. I wish I could close my account, but can't until I pay the overdrawn amount off. The overdrawn amount that was made by the last pdl payments. I will hang in there. I have committed to going all the way with them now.

Posted: Tue Apr 03, 2007 10:20 am Subject:

Have you opened a new account? Once my account was overdrawn for over thirst days they closed it for me...

Posted: Tue Apr 03, 2007 10:24 am Subject:

Can you have the bank put an ACH hold on your account?

Have you told the bank whats going on? are they going to help you?

(GFS tired that paper check thing...i have the print out of it. thanks for reminding me).

Posted: Tue Apr 03, 2007 10:32 am Subject:

I tried the ACH on my account and they just put it through under diff amounts with various diff names....so unless your bank will put a hold on all ACH debits then its useless

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