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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 3709
14236 Debtcc Points
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 Posted: Tue May 06, 2008 12:58 pm
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llw, I am so happy to read you are done. That is the best news. Thank you so much for posting. It is good for the other members to see there really is a light at the end of the tunnel. We are lucky to have you here and I am really happy you will continue to stick around. As Cannr would say, I am happy dancing for you!!! 
_________________
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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llw1995
Joined: 02 Feb 2008
Posts: 576
8452 Debtcc Points
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Posted: Tue May 06, 2008 3:57 pm
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Roxy. . . .I wouldn't even think of leaving the board. Everyone has been so helpful that I am hoping that I will be able to do the same for the next person who needs help. These PDLs are pure evil and the head games they play are just uncalled for. I'm here for the long haul. It's the least I can do to repay the fortunes this board has given to me.
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Guest
100 Debtcc Points
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Posted: Tue May 06, 2008 4:53 pm
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I am so happy for you ! Please stick around because there are others who need you help and support. Good Luck and God Bless!
_________________
Register today to cash in debtcc points.
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llw1995
Joined: 02 Feb 2008
Posts: 576
8452 Debtcc Points
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Posted: Tue May 06, 2008 5:32 pm
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It would seem that this situation has become a passion for me. There are many things I don't like about the PDL business but the main thing is taking advantage of those who are most needy. When I came here I thought I was going to lose my mind with worry. I didn't think I would EVER be free of these low lifes. But, with the support of the good folks on here, I am now the victor. With the right conditions, anyone can accomplish anything. I can't tell you the amount of hours I spent going over and over the posts, staying up all hours of the night trying to figure a way out of this hell. AND, believe it or not, thank God for the flu this year. It gave me time to get back on track and gather my thoughts, and paperwork that I needed to move forward, in spite of feeling pretty drained. Be strong my friends. There really is a light at the end of a dark, dark, tunnel.
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jrperry_msu
Joined: 07 May 2008
Posts: 6
87 Debtcc Points
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Posted: Sat May 10, 2008 2:30 pm
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llw:
Glad to hear you have been able to get away from this trap!! I'm hoping to do the same in the near future. Its depressing being broke, despite making a large salary!
I would appreciate any information as far as what you wrote as far as Ciese Emails and emails to processors, as calling processors has gotten me nowhere! Who did you copy on the emails? Did you have any problems with people hitting your account after you sent the emails?
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llw1995
Joined: 02 Feb 2008
Posts: 576
8452 Debtcc Points
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Posted: Sun May 11, 2008 12:24 pm
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Once I sent my C and D letter they never tried to debit my account, to the best of my knowledge. My account was closed before the next round of payments would hit and I notified them of such so they have a lot of notice. Yes, it is depressing to see your hard earned money go out the proverbial window. But there is hope. Simply put, this is how it went down for me. I called Intercept EFT and told them that UsFastCash was debiting my account when the authorization was revoked. Cindy is the person I spoke with and she sent an email right off while I was on the phone. She assured me I would be hearing from them. She didn't seem to happy about the situation. Call back and ask to speak with her. I also called Bremer Bank and reported them as well. Bremer is their originator. I then prepared an email to Intercept, which I sent via their general website, contact us section. I attached my C and D letter to Intercept which outlined the standard, don't contact me, don't take my money, I've contacted the AG's office, etc. so they would know that I had in fact withdrawn my ACH authorization. Before I closed it, I copied over that complaint to another email which I immediately sent off to UsFastCash. Now they knew that the processor was aware that they were having them debit a revoked account. And that was that. A done deal. PIF in hand within 30 hours. Star Advance was a littler harder to track down but I had the name of their bank as well. I called their Legal Department and explained the whole sorrid tale to them. Then by back tracking and following details of an email I received from Star themselves I was able to find an email address for the administrator in Costa Rica. After much nonsense I got my email delivered to that person and within a day I had a very nice email stating that I had already been through enough and they were marking my account PIF. UsFastCash never got their last $30 and Star never got their last $293. And that my friend was the end of my relationship with the PDL world. The key is persistence. If you don't get what you want the first time, try again, and again until you do. As James has stated this is not a one solution problem. There are SO many twists and turns that it has to be tackled one step at a time. James set my wheels in motion and I took that ball and ran with it. I am so glad I did. I did have to do much searching on my own but I was bound and determined to get these slugs out of my life one way or another. My teeth in the backside of the PDL world paid off for me. All I can say is, keep up the fight and don't back down. I can honestly say that with the 5 PDLs I had I have paid nothing back but what they deposited into my account and in the last two cases, less than. Know that help is here if you need it.
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