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

I sent Payday Select and Payday OK the letter the other day showing how much I borrowed, had paid, etc. They replied last night. I borrowed $200 from each. I have paid Payday Select $90 and Payday OK 121.44. Payday OK wrote back and said my balance is $160 and they will let me make monthly payments of $40 until June, when they want 2 payments. Payday Select says my balance is $200. They also will take monthly payments of $50 to get that paid off. They are still charging me more than the legal amount. What should I do-just suck it up and pay what they want, or email them back with a counter offer of what I should REALLY owe? The payments they want isn't the issue, but that is money I could put towards T & C because I plan to put Cashnet500 and Cashland with them because otherwise those 2 places will come after me. I have filed complaints with the Ohio AG against Payday OK and Payday Select.

Posted: Thu Mar 22, 2007 8:33 am Subject:

So basically between the two I would be paying $360 total when I only legally owe about $149..........

Posted: Thu Mar 22, 2007 9:10 am Subject:

Hmm thats a tough one....On one hand you have already paid what you owe and I feel you should stick to that but on the other hand you can make these arrangements and get them off your back...DO you have this in writing or just via phone conversation? Cuz I wouldn't do anything without it in writing....

Posted: Thu Mar 22, 2007 9:17 am Subject:

I have it in email. It is tough for me too. They were really nice about making the payment arrangments and didn't give me any trouble about it but that is still a lot of money that I #1 don't legally owe, and #2, don't have!! Heck no, I am not talking to any of these people on the phone anymore!!! I don't trust any of them!

Posted: Thu Mar 22, 2007 9:26 am Subject:

Hmm well you do have it in writing...but at the same you have paid these back legally...maybe you should see what T&C has to say?

Posted: Thu Mar 22, 2007 9:45 am Subject:

I can give T & C a call....but I'm afraid if I do it with T & C I will have to pay back more than I owe..........

Posted: Thu Mar 22, 2007 9:52 am Subject:

Yeah thats what I was thinking too...I was gonna wait another week before I made my decision on T&C to see if any of my loan companies will do the decent thing and mark it paid in full...Still want to call and see how much my monthly payment will be...

Posted: Thu Mar 22, 2007 9:56 am Subject:

Yeah because if I had originally gone with T & C when I first called them I would have ended up paying One Step Cash and they marked my account paid in full, plus I settled with The Loan Shop too.

Posted: Thu Mar 22, 2007 10:00 am Subject:

Well at least you are getting responses...What are you doing that I am not? No one is responding to me...But then again no one is harrassing me either (other than GFSIL) Maybe I should start emailing people...

Posted: Thu Mar 22, 2007 10:02 am Subject:

Well I know Payday Avenue, Payday OK, Payday Select, and The Loan Shop all got my emails. UCL emailed me a response but I'm not sure if they got my fax or my email. I think it would be a good idea to start emailing them.

Posted: Thu Mar 22, 2007 10:05 am Subject:

Yeah thanks...That will be my adventure for next week...Or maybe I will do it tomorrow before I am off for the weekend...of course there may be some responses to my snail mail at my parents house that I do not know of...Have you decided what to do? I think I would either stick to my guns that they are paid in full or take the settlement...Of course I have no spare money right now to take any settlement offer lol

Posted: Thu Mar 22, 2007 10:29 am Subject:

I am still thinking about it.....it will be interesting to see how much snail mail you have. It seems that a lot of these places don't want to put anything in writing so nobody knows where they are operating out of!

jadira · Posted: Thu Mar 22, 2007 10:51 am Subject: payday ok and payday select

I have emailed both payday ok and payday select and got both emails confirmed and the next day my account was paid in full but I also reside in pa.also I emailed them from their own website so I do not know if that makes a difference.keep coming back to this site,because it really works to listen to them,I did and now I have 2 pdl off my back.thank you everybody and god bless!!!! Smile

Posted: Thu Mar 22, 2007 10:53 am Subject:

Thanks Jadira. Did you still owe them a principle amount? I agree about this website. It literally saved my life. There are smart, kind people on here and I wish I had known about it a long time ago!!!

Posted: Thu Mar 22, 2007 10:55 am Subject:

Saved my life too....
I thank the lord every day that I found this site

Posted: Thu Mar 22, 2007 11:16 am Subject:

Yeah, so do I...I was really thinking about suicide before I found this forum. Things seem so much better now. I thought I was the only person in the world in such a pdl mess and I never thought I would be able to overcome it.

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

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

What to do......Payday OK and Payday Select

Members Area

Free Debt Counseling

Ask the community

Featured Discussions

Featured Articles

Question of the Month

Also See

Recent Forum Discussions

Recent Blog Post