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 Posted: Tue Nov 21, 2006 2:44 pm Subject: One down!! Yeah!! |
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| Quote: | November 21, 2006
RE: Notice of Revocation
Ms. M:
We are in receipt of your complaint and believe that the facts are somewhat different than those in your e-mail.
I would however, like to share with you the terms of your loan. You received documents in compliance with Utah state law at the time of your loan fully describing how the finance fees are applied and your three (3) repayment options (these are all available for your review should you require them). Contained therein is a description of how the fees and principal are applied to your loan, as well as the loan renewal process. You agreed to the terms of this agreement via electronic signatures. In addition, you received the following forms (we have all of these within our files):
• Form 1 – Completed Application with your ESignature
• Form 2 – Loan Note and Disclosure with your ESignature detailing an itemization of your Annual Percentage Rate (apr), finance charge, amount financed, and Total of Payments.
• Form 2b – Loan Supplement with your ESignature indicating your understanding of your new loan terms, your renewal terms, and default terms.
• Form 3 – ACH Authorization with your ESignature authorizing Payday Yes to credit your account with the loan proceeds as well as debit your account for the repayment of the loans and/or fees to Payday Yes.
On Monday, November 20, 2006, as Call Center Manager for Payday Yes, I was made aware of this issue through an e-mail received and it is our desire to resolve this matter with you.
Settlement Offer:
Even though your contracts clearly show that you agreed to the renewal of your loan, it is our strong desire to resolve this issue with you and, as such, are willing to agree to your request to settle the account in full. Your loan is now marked as paid in full and no further obligation is pending.
I appreciate your willingness to resolve this issue and regret its occurrence.
Sincerely,
Char Drury
Call Center Manager
Payday Yes |
I just sent them a letter via email yesterday!! I am sooooo excited!! Whoo-hoo the letters do work!! Thanks everyone on this site for your undying knowledge!! Now if I could only get Bank of America to cooperate!
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 2:45 pm Subject: |
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Excellent work! 
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5317
Debtcc Points: 71258
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| Posted: Tue Nov 21, 2006 2:47 pm Subject: |
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good work!! congrats!! and yes i feel the same way about Bank of America they don't do anything to help...i've call them more than 5 times and nothing.
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drowingindebt
Joined: 10 Nov 2006
Posts: 208
Debtcc Points: 1994
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| Posted: Tue Nov 21, 2006 2:48 pm Subject: |
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I like they appreciate YOUR willingness to resolve the matter. They are just hoping you didn't file any complaints against them. I'm hoping that you did.
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5317
Debtcc Points: 71258
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| Posted: Tue Nov 21, 2006 2:50 pm Subject: |
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Downingindebt...it's like they just want to rack up on the fees and I don't know what to do about that. I went to the branch where I opened it at and the person I spoke with basically was telling me that customer service (1800 #) has the control to do something! That to me makes no sense. He did try and I know he wanted to help but the people he called were not willing to do anything! I am so disappointed. I can only send letters to the lenders and hope they will stop debiting the account until they decide to close it because of the acct being negative over an extended period of time.
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 2:56 pm Subject: |
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Steelers I haven't yet but I am. I'm going to file one on all 15-16 of them I have because they need to know that they cannot continue to operate illegally and get away with it!
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 3:07 pm Subject: |
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well the (800 number) toldme i had to go to the bank to see if they can do something for me, i doubt they would.
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drowingindebt
Joined: 10 Nov 2006
Posts: 208
Debtcc Points: 1994
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| Posted: Tue Nov 21, 2006 3:10 pm Subject: |
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I read somewhere on here...I want to say a post by Alexandra..to ask for a statement of something...I need to find her post. I may try going to another branch to see if I can get some help.
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 3:12 pm Subject: |
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Here's what she said:
| Quote: | To prohibit them from taking money out of my account, I used a form called A Statement of Unauthorized Debit which prohibited the company from debiting my account period. But in your case, you might want to try closing your account period.
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I'm going to see if they have this form there. I just cannot believe there is not a way from them to stop this from happening, especially if your acct is in the negative like mine is.
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 3:17 pm Subject: |
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I think there is a way for them to stop this. Somebody just doesn't want to do the paperwork. This sucks.
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5317
Debtcc Points: 71258
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| Posted: Tue Nov 21, 2006 3:20 pm Subject: |
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The person I saw at the branch called the risk management and the customer service dept and both of them were unwilling to do anything. It does truly suck!!!
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 3:23 pm Subject: |
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is all about making money, i mean they get $35 everytime.
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drowingindebt
Joined: 10 Nov 2006
Posts: 208
Debtcc Points: 1994
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| Posted: Tue Nov 21, 2006 3:26 pm Subject: |
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I opened another account with them but I may get another one and close out both because really what does that say about their willingness to help their clients? Many others on here have said their banks helped them out.
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 3:29 pm Subject: |
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It sounds like they don't care about customer satisfaction and only the bottom line. My bank was completely understanding, stopped my debits by phone immediately and allowed me to wait until the next day to sign the papers. (they actually said I had three days to do this) And they suggested I close and open a new account.
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WHEREAMI
Joined: 26 Aug 2006
Posts: 5317
Debtcc Points: 71258
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| Posted: Tue Nov 21, 2006 3:30 pm Subject: |
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What's your bank's name and anyone who has any suggestions for another bank that is concerned with customer satisfaction, please either pm me or post it here! Thanks!
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HUDiva
Joined: 16 Nov 2006
Posts: 90
Debtcc Points: 2058
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| Posted: Tue Nov 21, 2006 3:32 pm Subject: one down |
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Congradulations on getting it settled. Thats a huge relief. My bank was very good also stopping these debits. I think I would look for another bank after this incident. KYSIDE38
_________________
RYDERS OF THE NIGHT
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KYSIDE38
Joined: 19 Jun 2006
Posts: 2502
Debtcc Points: 37316
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