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 Posted: Thu Nov 08, 2007 9:12 am |
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I'm in SC.
Loan Point USA (Geneva Roth Capital)
Amount:200.00
Paid so far:90
SSM Group LLC
Amount:200
Paid so far:180
Sagamore
Amount:200
Paid so far:120
BIG LTD
Amount:200
Paid so far:155
Tremont
Amount:250
Paid so far:125
Cashnet
Amount:350
Paid so far:135
The amounts showing paid were my semimonthly refinance fee. I wasn't able to keep up the payments and my account is currently overdrawn by 895.17 because they keep trying to draft payments. I bank with USAA and the account is still open. I'm in chexsystems and really need this bank. Tremont just sent some letter trying to to money from my check and BIG LTD has been calling my job and leaving me voicemails. So Monday and Tuesday I'm out from work with my sick child and come in yesterday and have a voicemail from the receptionist at my job saying Joe Schmoe has been calling me nonstop and she told him I wasn't there and sends him to my voicemail. He leaves a number that I try to call back and it doesn't work. He apparently had been calling the past two days and gets transferred to someone in my HR department and states he's from the Legal Investigations Unit and starts spewing of all of this personal information he has about me like my name, address (which he had wrong), and ssn. He tells her (in his thick Indian accent) that they are investigating me for bank fraud and mail fraud and are planning to issue a warrant for my arrest if I don't contact him immediately to resolve the unpaid funds. Mind you I work at an accounting firm. So one of the firm's partners calls me on my cell phone wanting to know whats going on and how he can help. So until I pay these people I have been pulled off my assignments and shelved. I'm scared now that because of this foolishness I may lose my job because even once its paid they're always going to be looking at me out the corners of their eyes. I explained to him what was going on and he says the fraud and arrest thing sounds like their blowing smoke but from his position I am now a liability until this is resolved so he didn't really have a choice.
I (not knowing any better) called both tremont and BIG yesterday and made arrangements for $15 to tremont and $100 to BIG next week when I get paid. Tremont is telling me my balance is 348. and BIG is telling me my balance is $550. Cashnet emailed my offering me a 70% settlement.Sagamore sent me to a collections company called United Pay Services. PLEASE help me I need to know what to do.
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jenaranoel
Joined: 08 Nov 2007
Posts: 5
Debtcc Points: 365
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| Posted: Thu Nov 08, 2007 9:28 am |
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Loan Terms:
Maximum Loan Amount: $300
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15%
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: Lesser of: NSF fee of $10 or actual charge
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: South Carolina State Board of Financial Institutions
Address: Consumer Finance Division, P.O. Box 11905 Columbia, SC 29211
Phone: (803) 734-2020
Fax: (803) 734-2025
http://www.scconsumer.gov/
_________________
aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 9:29 am |
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Did you send the PDL's letters revoking authorization and revoking any wage assignment you may have signed?
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aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 9:32 am |
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Wow jena, I feel really bad for you and I am sorry you are going through this. Hang in there, someone with more experience will be along shortly to help. I am now starting to get threatening phone calls and emails. Let me see what else I can find to help you.
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aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 9:33 am |
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no I've done nothing, I just found this site like an hour ago through referral from another credit forum. what's the info you posted. sorry 'm just freaking out... 
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jenaranoel
Joined: 08 Nov 2007
Posts: 5
Debtcc Points: 365
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| Posted: Thu Nov 08, 2007 9:34 am |
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dont freak out jena. calm down. i am going to private message you a letter that i need you to send to all the pdl's you have. are any of them storefronts or just all internet?
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aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 9:35 am |
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all internet.
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jenaranoel
Joined: 08 Nov 2007
Posts: 5
Debtcc Points: 365
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| Posted: Thu Nov 08, 2007 9:46 am |
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did you get my pm?
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aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 9:48 am |
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no, its still showing no new messages.
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jenaranoel
Joined: 08 Nov 2007
Posts: 5
Debtcc Points: 365
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| Posted: Thu Nov 08, 2007 9:51 am |
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how about now? just go to your inbox and see if it is there.
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aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 9:54 am |
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I just tried to PM you because I still don't show anything
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jenaranoel
Joined: 08 Nov 2007
Posts: 5
Debtcc Points: 365
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| Posted: Thu Nov 08, 2007 9:56 am |
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Jenna, I am really sorry this is going on and things have been so difficult for you. Know that they are indeed blowing smoke. I am going to do a little research on your pdl companies so just hang in there. I know this is scary and difficult and you have a lot on your plate. We will help you get through this.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4091
Debtcc Points: 11649
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| Posted: Thu Nov 08, 2007 10:01 am |
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jena~got your pm. did you get my reply? if not, then just email me and i will send the letter to you that way instead. im not sure why you cant receive my pm's.
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aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 10:10 am |
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you havent closed your bank account have you? you cant let them continue to hit your account like that. call the bank and see if you close it will they force open it if another debit comes through. if they do not force open it then its safe to close it and open a new one with another bank if possible. i would speak with a manager and tell them that you had some unauthorized transactions hitting your account and putting you in the negative.
if they wont close the account then tell them that they need to put your account on deposit only status. tell the bank that you have contacted the BBB and your attorney general and your state DFI and they informed you to close the account.
you have to do this ASAP.
did you get my PM yet?
_________________
aminah
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3280
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| Posted: Thu Nov 08, 2007 10:17 am |
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Jena, Which Cashnet is this...there are a few out there.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4091
Debtcc Points: 11649
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| Posted: Thu Nov 08, 2007 12:52 pm |
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Jena, according to the laws in your state criminal action is prohibited so you can not go to jail. You might try printing the state laws so that your supervisor can read this for himself.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4091
Debtcc Points: 11649
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