We need some help to come out of Payday loans
Date: Tue, 01/30/2007 - 12:11
Another update....things taken care of at the bank as far as the
Another update....things taken care of at the bank as far as the PDLs go. They are flagging our account and told us to make sure we watch the account and it turns out they ar very familiar with Route66!
As far as assitance with the mortgage payment, they could not help us right now, due to account and right now our credit.
Husband did talk to the mortgage company and they are going to send us some paperwork to fill out to see if we qualify for maybe reduction in payments or something like that, but also told him that if we could get a payment with his next 2 paydays we would be ok, but problem is we have utilities, car payment, insurance and we have to get some groceries and such, so....not sure if we can swing all of that within his next 2 paydays. He did not realize what all I go through dealing with people. He never does it and it has always been me and he never wants to know anything because it "upsets him and stesses him out". He told me he was sorry for putting everything off on me and will start helping a little more on these things, which helps me a bit emotionally. I don't feel like all the weight is on my shoulders and I have some help sharing the load.
I know it is a long hard road ahead of us, but with the support and encouragement I have been receiving on this board is going to help me through it.
I am so very glad I stumbled onto this site (and did by accident). It has been a lot of help and I have been passing information onto others about what I have read and this site, so I hope they will come here and see that they also are not along.
Thanks everyone!!!
Allllllllllllllright! 2n! yeayesssssssssssssss! that is indeed e
Allllllllllllllright! 2n! yeayesssssssssssssss! that is indeed excellent news! woooooooooohooooooooo! keep on coming back baby! ;)
*chuckle*
Thanks Texas! Your post brought a smile to my face! :D :oops:
Thanks Texas! Your post brought a smile to my face! :D :oops: I am looking forward to not having these things hanging over my head and to be able to put my family back together again and not be as stressed out and be able to meet my bills without robbing Peter to pay Paul and worry about things bouncing!!!
ya better make that a *big ol TEXAS smile* :D *chuckle*
ya better make that a *big ol TEXAS smile*
:D
*chuckle*
How about a NC smile from a KY girl? :D :D Actually neede
How about a NC smile from a KY girl? :D :D
Actually needed something to make me smile. What a Monday!
I'm so glad to hear that your load has been lifted somewhat! It
I'm so glad to hear that your load has been lifted somewhat! It IS alot of work juggling all those balls in the air and it's good that hubby's going to help. Like I said, you WILL get through this. Take Care!
Oh, I did get my last letter out to Whistler Holding, sent it pr
Oh, I did get my last letter out to Whistler Holding, sent it priority mail with return receipt requested, so that way I know I have proof that it was received! Working on my complaints to the AG, in between work and such, and then I guess it will be a waiting game. To date, the ones I emailed, I have not gotten a response on. Not sure how long it will take before I hear anything. For a couple of them, MagnumZ LLC, Whistler Holding and one other, I did request a refund of fees due to over payment. The first 2 should be over $1000 each. Hope I get it because it would be a tremendous help!
OK, had to share this before I left work for the day....we got a
OK, had to share this before I left work for the day....we got an email from Whistler Holding (The Loan Shop). It was one of their "extension" forms they want us to sign and send back to them where they want us to sign this form as to what we want them to do! First form that we have received: See below of what I got!
let 'em wait! But, this is purdy nice 2n.....'mere woman! Ohhhhh
let 'em wait! But, this is purdy nice 2n.....'mere woman! Ohhhhhhhhhhhhhhh baby! you done good!
HAHAHA! THERE IS A GOD! ER GODDESS!!!
;)
*chuckle*
Just thought I would let you all know that I have emailed Dateli
Just thought I would let you all know that I have emailed Dateline NBC with a story suggestion of payday loan companies and how they take advatage of people and how they are illegal in many states and also provided them with a link to this forum to let them see how many people have been caught up in their trap. I will let you know if hear anything back.
Hope that is like a good HAHAHA. Just trying to help get the wo
Hope that is like a good HAHAHA. Just trying to help get the word out to as many people as possible. Gee, maybe if they did a story on these people, maybe a lot of them would go out of business!
Or at least start follow the laws that they should be . . . .
Or at least start follow the laws that they should be . . . .
Maybe, just maybe our elected & governmental officials could get
Maybe, just maybe our elected & governmental officials could get off their dead butts & actually do their job too......
As of this morning, before I came to work there was not reply fr
As of this morning, before I came to work there was not reply from Dateline, to my suggestion, but I will check my home email when I get home. It would be nice if the ones that were not operating legally could be exposed and also let people really see how payday loans work and hopefully prevent more people from being sucked into their trap and yes, maybe make our elected officials do a little more. Will keep you posted.
Would be nice, Tex--but the real story is what pocket do our law
Would be nice, Tex--but the real story is what pocket do our lawmakers have their hand in, if you get my drift. In short, where is the money trail, right?
I just received an email from Dennis Best, MangnumZ LLC. Below
I just received an email from Dennis Best, MangnumZ LLC. Below is my original email and his response. Note that nothing was said about a refund or anything like that.
I also received a call from Route66. It came in on my cell phone and I was at work so did not answer it, but it also came across as "UNKNOWN CALLER", and they feel it is "imperitive" that I call them back about my account. Not calling. If they need to contact me, they can do so in writing.
So what do you all think....should I push for the refund or just go ahead and leave it as is?
Just sent Route66 another email telling them that they needed to
Just sent Route66 another email telling them that they needed to correspond with me via email or letter "so I could have documentation for the AG". We will see what happens.
You know I could take great pleasure in sticking it to these people, especially the more I read about what they have done to others. Nothing like being menopausal/hormonal and dealing with A-holes!!!
Texas ~ you are so funny!!! I get a laugh quite often when I re
Texas ~ you are so funny!!! I get a laugh quite often when I read your posts!
Route66 said they were still going to debit our account due to t
Route66 said they were still going to debit our account due to the terms of the contract. Told them the bank is aware of us revoking permission for them to debit our account and will not release the money and the person said "Well we will see about that" and hung up on me.
I'd push for a refund. You are legally due it! As far as route
I'd push for a refund. You are legally due it! As far as route 66 goes, they will try to debit your account. They also will not send you anything in writing. They are the worst to deal with. They will continue to call you constantly and don't care what you tell them.
As far as MagnumZ, I have been trying to figure out the best way
As far as MagnumZ, I have been trying to figure out the best way/wording to email them back as far as marking my account paid in full and requesting the refund again. I don't want to misword it to where they take it as only marking the account PIF.
As far as Route66, I guess if they want to communicate with me, they will have to in writing because I do not have to answer the phone when they call, (don't answer calls I don't recognize the number anyway) and if they get carried away at work, I have someone here that will give them an earful about personal calls at work prohibitited and to call again. I already field some calls for one of the office people here, so ...... Still have not heard from anyone else, yet. I will have to check my email and regular mail when I get home and see anyone has replied to my letters. I will be so glad when this is all done!
Well, I am not a witch my nature, but I guess I didn't realize h
Well, I am not a witch my nature, but I guess I didn't realize how much we had been taken for and the fact that I am trying to save my house makes me a little more witchy. Grant it, part of it is our fault, but we did not realize that we were just making things worse for ourselves.
Oh, did get a quick response from Dateline and they sent me a regular address to send my request to as far as a story about Payday loans, so once I get a few things straightened out or get a little more time, maybe this weekend, I am going to write them and see if they are intersted. Like what was said before, put the illegal ones out of business and make the others follow the rules and not cheat people, plus educate everyone about these types of loans.
My husband got a call at work today from Whistler Holdings. He
My husband got a call at work today from Whistler Holdings. He did not talk them, but his supervisor gave him the message. My husband explained what was going on, so. But it was specifically stated in my letter that they did not have permission to contact our employers or call our place of employment and they did.
Guess another letter will be going out to them.
Here is a copy of the letter I sent, via email, to Whistler Hold
Here is a copy of the letter I sent, via email, to Whistler Holding/Xpress Cash, (if anyone needs their email address I have it). I am sure it will get a rise out of them, again! No one else, so far, has contacted us, so we will see what happens from here.
Excellent work 2n! I *like it* woooooowoooooo! ;) *chuckle
Excellent work 2n! I *like it* woooooowoooooo!
;)
*chuckle*
2nband which pay day loan companys did you deal with
2nband which pay day loan companys did you deal with
you dont know what ur talking about iknow more about these peopl
you dont know what ur talking about iknow more about these people bass and assoc than you ever did i promise!!!!!!! fill free to call me ill explain 704-652-**** phone number edited
Udate: Below is the response we have received from Whister Hold
Udate: Below is the response we have received from Whister Holding/Xpress Cash, along with our response to their response.
Also Route66 called again and left a message stating that they could not send me anything or correspond with me via email and I was to call them back ASAP. Funny, they could send me stuff before and now they can't.
[i]Ms. Cooper ~
We would very much like to get this matter resolved as quickly and with as little problems and complications as possible. Due to my work schedule, it is very hard for me to place phone calls and we are not allowed to make or receive personal phone calls at my place of employment. I am currently on a break, so am able to check my email.
Ms. Cooper, if you will look at the account, you will see how much we have paid. Our loan was only for $300 and as you can see by how much we have paid, it is well over the amount of the loan. The state of North Carolina allows 36% per year on small loans. (36% X $300 = $108.) Also in the state of North Carolina, payday loans are prohibited. Now, that being said, yes I did borrow the money, debits of $90 each payday have been taken out of my account for quite a while and as of my last payday, I have paid you company a total of $1,810, which is by far way more than 36%. Technically, I would only owe the company $408, which means I have over paid you company by $1,402.
What needs to be done to resolve this is to have the account marked paid in full, the debits stopped and a refund sent for over payment. Ms. Cooper, I am not trying to be difficult, but I am not going to pay any more money on this. My bank has been notified in reference to this matter and have a watch on my account. As stated, I have contacted the AG's office in reference to this and I am entitled to a refund. A refund would need to be sent in the form of a cashiers check to my physical address.
If anyone was able to call you, it would have to be my wife, but as stated, I would like the communication to be done in writing so that I have documentation as to what was agreed upon by both parties, (you and myself).
I am willing to review how you propose we settle this matter. I look forward to your email and thank you for your quick response.
Thank you for your assistance,
>From: "Rachel Cooper"
>To: *******************
>Subject: RE: Loan ID #134458 (Whistler Holdings/Xpress Cash)
>Date: Thu, 8 Feb 2007 09:33:58 -0600
>
>Mr. ********,
>
>I have received your compliant and would like to resolve the issue. Please call me at your earliest convenience at the number and extension listed below.
>
>Thank You,
>
>Rachel Kimball
>Lending Manager
>THe Loan Shop
>(800) 757-0122 ext 353
>(800) 757-8373
>
them lil route66 termites busy hidin' in the wood work? ;)
them lil route66 termites busy hidin' in the wood work?
;)
*chuckle*
i wokeup in a rowdy mood......listening to rob zombie, "dragula"
i wokeup in a rowdy mood......listening to rob zombie, "dragula"....got me wantin ta jump in the *mosh pit* now....'mon! lets go! woohawwwwww...."dig through the ditchs, and burn through the witchs, slam in the back of my dragula...."
*chuckle*
I'm not sure where the spam comes in to play here. Basfien was a
I'm not sure where the spam comes in to play here. Basfien was asking a question, how is that spam? It looks like they are a new member who have come here to get advice, I don't think it is really a good move to be so rude.
Glad someone woke up rowdy! Working today with my wrist, hand a
Glad someone woke up rowdy! Working today with my wrist, hand and arm hurting and in a brace. Not to mention, was a late night due to helping my son on his SR Project.
Trying to be nice to these people (PDL's), but very hard! Route66 really do not want me to call them because I am sure it will get ugly. Not only that, I have no way to record our conversation off of my cell phone and am not calling them from my home #. Don't want them calling my house everytime I turn around.
Will keep posted on any responses to email. To date, I still have not heard in reference to 3 of my loans. Trying to work with MagnumZ, so we will see.
sorry steeler1. he was posting all over the map last night. we e
sorry steeler1. he was posting all over the map last night. we emailed back & forth for quite a while. I recommended that he make contact with mike or vikas once he stated what his purpose was.
basfien91 ~ I have Whistler Holdings, MagnumZ LLC. Route66, Unit
basfien91 ~ I have Whistler Holdings, MagnumZ LLC. Route66, United Cash Loans, 3Midland Market, and 6-Electronic Pay (which it turns out there were 2 of them!)
he's hunting parties for a different interest but along those li
he's hunting parties for a different interest but along those lines 2nb....
There is a feature on this website that allows you to record cal
There is a feature on this website that allows you to record calls! If you look to the right of the screen under other services click on free phone calls. You can call into the number and it will record any phone call.
I'M SO HAPPY!!!!!!!!!! ONE DOWN AND 5 TO GO!!!!! >From
I'M SO HAPPY!!!!!!!!!! ONE DOWN AND 5 TO GO!!!!!
>From: "Rachel Cooper"
>To: XXXXXXXXXXX
>Subject: The Loan Shop---RELEASE-XXXXXXXXX.DOC
>Date: Thu, 8 Feb 2007 14:01:53 -0600
>
>Mr. xxxxxxxxxx,
>
> I have reviewed your account and calculated that you have paid
>$1710.00 on your loan. The Loan Shop is willing to issue a $1320.00
>refund and to immediately stop debiting your account and consider your
>loan paid in full. I have attached the release form for you to review,
>sign and fax back to the fax number listed below. Once I receive the
>release form I can issue the refund check to be sent to your current
>address.
>
>Please provide me with your current address via email. If you have any
>questions or concerns please contact me via email and/or the phone
>number and extension listed below.
>
>Thank You,
>
>
>Rachel Kimball
>Lending Manager
>The Loan Shop
>1(800) 757-0122 ext 353
>1(800) 757-8373 FAX
>
>
Awesome!!!! Now, I know this sounds paranoid, but others on thi
Awesome!!!! Now, I know this sounds paranoid, but others on this site have given the same advice. Do not deposit or cash this check using your bank account. It is worth paying check cashing fees to ensure that they pdl doesn't get your new bank account info. If you still have the same account the money was coming out of, then you are fine to deposit the check.
Congratulations again!!! That is so exciting!!!!
Thank you! Thank you! Thank you! I will be getting in touch wit
Thank you! Thank you! Thank you! I will be getting in touch with MagnumZ, via email of course, and seeing what I can work out with them. That will be 2, and they are the ones that have taken out the most money!!! Right now we still have the account because we need to get the account up to par and let some checks clear. I just hope the rest of them will go as smoothly....well we know Route66 isn't, but maybe the rest. I can't wait to tell my husband. I tried to call him, but he wasn't available to come to the phone, but he will be calling me soon.
I so appreciate all the help and advice you all are giving me!
I so appreciate all the help and advice you all are giving me! Thanks so much!
Those of you who are skeptics...listen to what is being said here, these people know what they are talking about. I didn't think I would even get one to do anything, but one did. Thanks eveyone!!!