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Posted: Mon Jun 18, 2007 3:15 pm Subject: Refunds from these companies

I am working hard at preparing my materials and have a few questions for everyone:

1) Should I fax/email the first copies and then mail? And should I send a copy of this letter to my bank even if I am freezing the account.

2) Has anyone actually received a refund from any of the following companies:

I have overpaid all of these

1. CMG/OSL Marketing 610.00 overpaid
2. Loanshop online 185.00 overpaid
3. payday2go.com 170.00 overpaid
4. netcashusa.com 30.00 overpaid
5. cash2day 200.00 overpaid

Posted: Mon Jun 18, 2007 3:17 pm Subject:

I know of people who received refunds for over paying per state laws. If you contact your Attorney Generals Office with documentation, like bank statement, they will personally get you a refund check. It works in Alaska.

Posted: Mon Jun 18, 2007 3:20 pm Subject:

Yeah, filing complaints helps add some muscle . . .

If you want to fax/email the letters first go for it, but also be sure to mail them certified mail, so that you have proof they recieved them.

Posted: Mon Jun 18, 2007 3:23 pm Subject:

I got refunds from XpressCash, PaydayOK, ameriloan, TenDollarPayDay. Total refunds was over $2,000. But that was way over a year ago.

Posted: Mon Jun 18, 2007 3:33 pm Subject:

When the Attorney General is contacted, things usually get done, like in a case like this one.

Posted: Mon Jun 18, 2007 3:35 pm Subject:

You are right! I complained complained complained and complained again, I went on a one man war and wasn't going to be told no. I lost thousands and got what I deserved back in my refunds. Lesson learned, never to make the mistake again.

Posted: Mon Jun 18, 2007 3:43 pm Subject:

TweedleDee,

I also got refunds from various lenders. The complaints do help but it is also good to bug the crap out of the lenders.

Posted: Mon Jun 18, 2007 3:44 pm Subject:

Hey you are right, you have to annoy them the way they annoyed you. Hey, cool name, are we distant cousins?

Posted: Mon Jun 18, 2007 3:51 pm Subject:

To be quiet honest, I found the more harassing a lender got, the more I could get them by the hair. The more illegal threats they made, the more that I could push them to the wall to cave. It's the one's who are the most harassing that are the most scared. Trust me, I used to work in business to business collections and I knew some real low lifes! LOL! I don't know about the distant cousins part but great minds do think alike!!

Posted: Mon Jun 18, 2007 4:00 pm Subject:

It seemed to me that the more hostile they got with me, the more fired up I got, and I did not take any crap from them. You want to call and threaten me, you better be able to take it right back in your ear!

Posted: Mon Jun 18, 2007 4:09 pm Subject:

Absolutely, there is no reason to threaten anyone. The only point is proves is that you are a complete moron. I don't think I could live with myself if I treated people like that.

Posted: Mon Jun 18, 2007 4:12 pm Subject:

Wish I'd thought of this when I got my refunds. Should've got a disposable camera had my picture taken cashing the check, then another picture of me with the money in hand, and then a few more of me spending the money! Then send the pictures certified mail with a return receipt!

Posted: Mon Jun 18, 2007 4:19 pm Subject:

If you make hints that the bahavior of the companies have been thoroughly documented and recorded, even if you haven't, it creates great leverage to 'negotiate'. One time I actually stated, "My state does not require me reveal this, but this conversation has been recorded for legal purposes; is there anything that you would like to add in your defense to why your illegal tactics were utilized while----'click' "Hello, Mr. collector? Hello?"

It works everytime, and the calls never resume.

Posted: Mon Jun 18, 2007 4:20 pm Subject:

That is really good Anthony! I know my state allows a person to record a call without the other party's consent.

Posted: Mon Jun 18, 2007 4:57 pm Subject: loan

Once I sent complaints in to the Attorney General I never had to do anything else. They handled all of them. They are still suing here and I guess it will just continue as long as there are Predators like payday loan companies. KYSIDE38

Posted: Mon Jun 18, 2007 6:56 pm Subject:

Even if your state does not allow recording a conversation on the phone, you can sure say that you are, when you really are not. Who is going to tell on you? An illegal company? I think not.

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