All is well in PDL land today. As I posted over the weekend, I was still dealing with my last holdout, Star Advance. Since I could not find a processor for them, I contacted their own bank, Bank of the West, and spoke with their legal department. I did not get a response before the weekend so I decided to do some additional research and came up with an E.Harding, as the contact person, on the West Coast. I sent an email off, attaching my original C and D letter and explaining what has been going on. After going over some emails from Star, I traced back the details, and came up with an email address in Costa Rica. After sending the email, I received an email stating that it could not be delivered but if I went to this particular address I could be given access to delivery. After jumping through hoops there I was given a "key" to some secret society type thing and the email was then delivered. This morning I receive yet another email from Mr. Powell at Star Collections giving me the run around about how my bank closed my account, how I still owed them money (which I did) blah, blah, blah. I responded by telling him that I was waiting on a response from his bank's legal department. End of conversation for the day. I come home, walk my dogs, eat my dinner and decide to check my email once more. Low and behold, I have an email from the
"secret" society address. I open it up and this is what I found
Thank you for your email. Let me begin by apologizing that I am
just becoming aware of this issue, and that is unacceptable to me.
I have spent some time carefully reading your letter, which
contains a series of communications, and see that you have been
very reasonable throughout.
I see that you originally offered to pay $293.20 to settle this
issue, and had I been made aware I would have found that
acceptable. In the interim it seems to me that you have gone
through at least $293.20 worth of aggravation, and so I am going to
simply mark this Paid In Full right now as it stands.
Thank you,
Star Advance Customer Service
Mary
Just for good measure, I log onto Star's website and sure enough my account now says NO MORE BUSINESS, like that is ever gonna happen anyway.
When I came to this site in February, terrified and super broke, my wish was that I would be PDL free by the summer so I could enjoy my time from school without worry of who was coming after me and taking my money. I was told by several of the "experts" on this board that it would be over for me before I knew it. They were right. BUT, I could not have done it without the help of everyone on this board. My goal, now, is to hang around and help those who are still going through this hell. All I can say to them is, listen to the advice you get here. Don't give up until you get what you rightly deserve. It can be done. I am proof of that.
I have to say, that's the NICEST paid in full letter I've ever seen! Many of them try to blame the consumer for borrowing and not paying, when they actually overpaid or the lender isn't even licensed...but this one actually admitted you'd gone through "$293.20 worth of aggravation"...I love that statement made by a PDL! _________________ A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
gin. . .Star Advance is a very illusive group. I had very little contact with them other than emails. The person I kept sending my emails to was named Hillary. Actually, they were probably the most willing to compromise but it did take a while to get to the right person. I tried to find a processor for them but was unsuccessful. I know there bank is the Bank of the West and I went straight to them. I can give you the Legal Department if you need to speak with them. It is 402-918-1618, 8-5 CST. Since there was no additional processing info on them I am thinking that they use the bank to process as well. I sent an email off to the west coast. If you pm me, I can give you that address, as well as the one in Costa Rica. I don't think there are too many of us involved with them, or at least I haven't seen many, so this is probably new to them. Again, I can't stress enough the importance of contacting their processors, or higher ups in the chain of insanity. Contact me if I can help.
I am so happy for you. You came a long way in a short time. Congrats. Please stick around and share your experiences with others. _________________ Money is a lousy way of keeping score
Oh kash. . no problem. I would be more than glad to help. I can't believe that is 3 short months I have managed to squash all of them. Again, I couldn't have done it without the help of those on this board. I hope my experience helps others see that it can be done. I have never been a quitter and I fight for what I think is right and appropriate. Hopefully those still struggling with this will get the encouragement they need to forge ahead.
llw, thanks for the info. I am starting to go thru Langhorne. They want the number. I am putting store front PDL's on to my joint checking and closing my other account today or tomorrow. I am actually smiling:)
That is wonderful news..I am glad that we were all able to assist you and I know that you will be able to assist people in the future as you have learned alot.
Diligence and hard work are just the tip of the iceberg! Once I get my teeth in someone's backside I don't let go until I get what I came for. Thanks for the kind words.
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