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 Posted: Tue Jul 18, 2006 6:44 pm Subject: need help with paying off my pdls |
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hi, i need advise.
i have my pdls due date this coming friday and don't have enough to pay for those financial charge since i have loans from several places.
should i close my bank accnt asap and talk to them about payment arrangement?
i really don't know what to do first...
somebody please give me some advise.
thanks.
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vivian
Joined: 10 Jul 2006
Posts: 25
Location: california Debtcc Points: 631
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| Posted: Tue Jul 18, 2006 6:52 pm Subject: |
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Depends..Do you have store front lenders or internet lenders?
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finsfan13
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| Posted: Tue Jul 18, 2006 6:55 pm Subject: |
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i have some from store and mostly from internet.
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vivian
Joined: 10 Jul 2006
Posts: 25
Location: california Debtcc Points: 631
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| Posted: Tue Jul 18, 2006 7:02 pm Subject: |
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Talk to your lenders before you decide closing the account. It won't be a good decision to close the account before you prove some unfair activity like unauthorized withdrawals in your checking account. At this situation, I will suggest you to talk to your lender and explain your problems. See if they are willing to work with you. Offer them your payment proposals and send some money in advance if that makes your deal stronger.
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Justme
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| Posted: Tue Jul 18, 2006 7:08 pm Subject: |
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viv what state are you in?
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polly
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| Posted: Tue Jul 18, 2006 7:15 pm Subject: |
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duh california lol
hold on
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polly
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| Posted: Tue Jul 18, 2006 7:28 pm Subject: |
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is it pretty hard in ca?
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vivian
Joined: 10 Jul 2006
Posts: 25
Location: california Debtcc Points: 631
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| Posted: Tue Jul 18, 2006 7:31 pm Subject: |
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viv I am going to pm you two contacts that I have in California. One is for a lady in the state Attorney General's office. She has an interest in internet lenders who are loaning to CA residents.
The other is for a lady in a consumer's rights group. She may be able to help you with your store front lenders.
I'll find the laws for CA in a few. In the meantime look at my blog, there is a template letter to use there for settling with the internet lenders.
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polly
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| Posted: Tue Jul 18, 2006 7:44 pm Subject: |
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thanks pollyandsay,i'll look at your blog.
thank you , too justme.
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vivian
Joined: 10 Jul 2006
Posts: 25
Location: california Debtcc Points: 631
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polly
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| Posted: Tue Jul 18, 2006 8:02 pm Subject: |
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Use the same link and read Division 10 to know your rights regarding your store front loans.
They can give you payment plans and they cannot charge you. Call them and try to work things out with them.
| Quote: | 23036. (a) A fee for a deferred deposit transaction shall not
exceed 15 percent of the face amount of the check.
(b) A licensee may allow an extension of time, or a payment plan,
for repayment of an existing deferred deposit transaction but may not
charge any additional fee or charge of any kind in conjunction with
the extension or payment plan. A licensee that complies with the
provisions of this subdivision shall not be deemed to be in violation
of subdivision (g) of Section 23037.
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You can freeze your account for a period of time, so it will only do deposits and not debits. I would look into that.
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polly
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| Posted: Tue Jul 18, 2006 8:22 pm Subject: |
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Polly---you are always so helpful to everyone---ps. your picture is cute.
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Lorri
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| Posted: Wed Jul 19, 2006 1:29 am Subject: |
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Thanks polly.
I will talk to the bank and pdls today and let you know how it goes.
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vivian
Joined: 10 Jul 2006
Posts: 25
Location: california Debtcc Points: 631
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