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Payday OK response

Date: Wed, 11/22/2006 - 17:52

Submitted by cbigfan7
on Wed, 11/22/2006 - 17:52

Posts: 168 Credits: [Donate]

Total Replies: 31


As y'all know, Langhorne is doing all my settlement letters, and has got a lot of my accounts settled paid in full. A friend of mine had only 2 outstanding loans with Payday OK and Payday Select, and not really enough to warrant paying an attorney to settle (she has been paying a REALLY long time) so I decided to use the letters y'all have come up with and try and settle it ourselves. For example, She has already paid over $1100 on a $500.00 loan to Payday OK. I even was so bold as to request a refund of the amount overpaid as per Texas law. So after 3 days of continuous e-mailing and faxing today I get this:
Quote:
We are in receipt of your fax. Your account has been placed in special handling pending review.


Thank You,

PayDay OK Special Handling Team
support(at)paydayok.com
paydayok.com
866.612.4506
866.416.5027- FAX
Business Hours: M-F 8-7 CST/Sat 10-2


So has anybody ever got this response from them? And if so, how long did it take for their "Special Handling Team" to actually...ummmm..... what's the word I'm searching for?...HANDLE it! Should I keep bugging them?


You have caught their attention. Their "Special Handling Team" will come to know that you have paid so much on the account. Following the laws, they will need to mark your account "paid in full" . You may also mention that you are filing formal complaints with the DA's office if the account is not checked properly. They will be forced to do what is right. Keep pushing!


lrhall41

Submitted by mcranberra on Thu, 11/23/2006 - 12:17

( Posts: 524 | Credits: )


Victory!
[quote]Subj: [691635:392193]
Date: 12/4/2006 9:25:12 AM Central Standard Time
From: shteam(at)paydayone.com
To:
Sent from the Internet (Details)



We are sorry you are dissatisfied with our service. We consider your loan paid in full.


Thank You,

PayDay OK Special Handling Team
shteam(at)paydayok.com
paydayok.com
817-546-2707
866-416-5027- FAX
Business Hours: M-F 8-7 CST/Sat 10-2
[/quote]


I am still going to go after them for a refund though. About $360.00 in excess interest was paid per Texas State law. According to the BBB website, it looks like they have issued refunds to resolve disputes in the past. So I guess I have a shot


lrhall41

Submitted by cbigfan7 on Mon, 12/04/2006 - 08:17

( Posts: 168 | Credits: )


bigcat, Congradulations that 1000 will sure come in handy. Merry Christmas!!!! KYSIDE38


lrhall41

Submitted by KYSIDE38 on Tue, 12/05/2006 - 12:38

( Posts: 2477 | Credits: )


Let me first say I myself am drowning in debt but from credit cards and school loans not payday loans, which is exactly how I came to find this site. My only concern here is that I have read several comments regarding Langhorne, PDL, refund checks, owing 10+ payday loans, etc. How do people allow themselves to become in debt with payday loans. A payday loan is meant to be a short term loan to help you through financial hardship until your next paycheck. That is why it is called a payday loan. On your payday, it's smart and ideal to pay your loan back from your "paycheck", not another payday loan. I've had several myself and I know several people who have obtained them in there time of need. However there comes a point where you have to stop and take responsibilty for your own actions. I do not agree to being charged outrageous finance charges and so forth, but if you come to a point where a PDL company has agreed to consider your loan PIF, why be greedy and keep asking for more? In my own personal opinion, take the GIFT GOD has allowed you (after making the irresponsible decision to get so far in debt with these PDLs) and move on. It really sounds like greed has taken over.

I have debt, believe me I have debt and I really wish it was as easy to get out of it as it was to get into it! I am not placing judgment on anyone at all - that is not my place. If there is a good and honest solution to WORKING your way out of the debt you put yourself in then that's what I'm all about. I read my disclosures and agreements when I sign them - I know what I will pay if I default and so is every consumer out there. My point is, what's the big shock when you end up paying in fee's more than you borrowed?

Wow, I really rambled on there....in short, take your losses and go - if you've been forgiven of your loan then your lucky.


lrhall41

Submitted by on Wed, 12/06/2006 - 21:34

( Posts: | Credits: )


I had a letter from them that my account was marked paid in full. I spoke with someone in the customer service department yesterday and she claimed that the account was charged off and gave me a # to call. Upon contacting the next department, Courtney explained that the account was indeed paid in full, then rudely explained that I needed to contact customer Service. Okay so now I am back with customer service and was told the legal department would respond in 72 hours=


lrhall41

Submitted by bdouble on Thu, 12/07/2006 - 04:32

( Posts: 354 | Credits: )