Those with a PDL problem - Please Read

Good info.Posters it effects need to read this and understand it to stay out of legal trouble.

Any type of information from any source or forum should always be taken under advisement.

Sorry, but it seems to me that the two of you have nothing but criticism for the great advice many of the members give here. Not sure why you feel you should go around correcting others and give posters and other moderators direction on what they should be doing. And please, do NOT instruct me to sign in! If I don't are you going to "report" me and have me banned. It seems a few people have a holier than thou attitude and do nothing but criticize others advice. Anybody knows that laws vary from state to state and each state has its own rules.

I'm only saying this because people have been posting incorrect information and users should know this.

Most of the advice is great, but sometimes people don't do the research and get things wrong. I've gotten things wrong myself, and I've never accused anyone of having a holier than thou attitude when they simply corrected me.

People come onto this site very vulnerable. They need correct information and advice. Period.

Excuse me but between the two of you, you both make it appear that a response isn't official until it gets either of your's nod of approval or passes your standards. And have you and cajunbuldog done all the research yourself on all 50 states? And is this why you can feel the need to correct others? How can you possibly expect people to believe that you know all the info on all 50 states regarding payday loans? That is ridiculous. PERIOD.

Wow. I have to agree with Lorri, you should be careful with whatever advice you take.

I know that me personally...I would double check any info I get before acting on it. Most of us here aren't attorneys, and none of us know everything. We're all going to be wrong. If I take anyone's advice and it's wrong..It's my fault.

I agree with you and Lorri. The two of you have been around here so long and have been through the ringer with the pdl mess, as have I. By the way, is there a person we should run our advice through before we get permission to post it? Just curious. We come here to let others know what are experience was and what worked for us. I think a few of us have been around the block and know what we are talking about.

I never said anything about getting anyones permission before posting. I don't know what you have against me, but I was just warning people to double check information before they take a strangers advice!

And actually, with the help of several other users of this board, we are checking with the state's banking dept for every 50 states to get the correct info on them. I'm not posting my personal reading of them, I'm posting what the state officails say.

Your post and Cajun's post is pretty much an insult to myself, somebody who has been on here for awhile and been through the situation and gives advice.

How?

You yourself in another post said that people aren't complaining to their state's ag's office enough, and that people are thinking that it's really easy to get rid of pdl's.

What does that have to do with this post? Really, what?

Everything! The post is about people getting their AG's office involved from the start, and making sure they have the correct info. This post isnt criticizing anyones posts, or saying they need to be approved as correct before posting. You are just looking to be mean to me.

I'm just trying to get the correct information to people. If you have a problem with me trying to help people because I haven't posted on this board for years then you are the one with the problem.

My pdl mess started years ago. Just because I didn't post then doesn't mean I don't know what I'm talking about.

I'm sorry, I guess I mistakenly thought people would care more about helping others get the information they need then who was right about what. I didn't think that was what the board was about.

I stand corrected. I should never have doubted you. Most of us are wrong but you and Cajun are right. Whatever. You make it seem most are posting wrong and inaccurate info. So give me a break.

Wow Mods..I am new to the board but i have to give my 2 cents..This board have been VERY HELPFUL TO ME..based on the advise I got on here I got rid of 4 pdls in three days..Thats without even quoting state laws to them..alot of these companies KNOW that they are doing illegal lendin. Personally I think you take the advise and interpret it the best way possible and go from there..I am a very aggresive and am able to deal with these companis..but some people aren't..every situation is different and I think everyone that comes on here for advise at some point is able to decipher what is what..Thanks for all the help from everyone on here..

Please guys, I request you all to get calm. I had a very good thing happening in my personal life. And I thought of sharing this with you all in the evening. Won't you guys hear it? I see your moods not good now? :(

Mike

That's all I'm saying nasdam . . . . Use your best judgement when deciding what advice to take. This is a public board and anyone can post anything. I don't recall saying most of the posts are wrong, but there is some wrong information on this board. I just want people to be aware and double check things.

Dude, what's with the hostility? Both of you are mods, why aren't you on the same page? I haven't seen anything personally naming you, but you're almost on the defensive with goudah/cajun. What gives? goudah's right, this board is about helping people. Anyone giving inaccurate information or poor advice is only doing a disservice to the poster in need of help, and the board as a whole.

If I insulted or offended anyone with my post,I am sorry. I know next to nothing on pdl's as you can verify by a search on this board. I was simply agreeing that info anyone received here should be checked against their known statute or code so that person stays out of trouble.

Steelers, I don't know how I upset you.I have had discussion on pdls with goudah twice. Once in pub with which I agreed with her regarding moral issues. The next is this post which I wholeheartly beleive that it needs to be put out. Posters should not take advice and call it gospel truth.They should do some of their own legwork to prove it. Not only does it protect them,it also gets them involved in the solution. By doing that extra work,there will be a personal satisfaction in getting that first refund or paid in full letter.

Thank you. I didn't mean to insult anyone with the post. I thought everyone wanted to have the correct info. I really didn't want to cause drama with this post . . . .

To the guest:
To address your concerns,I do not know what myself or goudah has done to offend you.I am going to speak generally and explain what I can do as a mod.I can edit or delete posts only for specific violations of board rules. I do not know of any mod that has ability to ban any user.That would fall on Mike or Vikas.So you really have no reason to hide. I fight with collectors in disguise every day on this board.I do not desire to fight any of our users.

I have a question...

Has there been a problem with bad advice? I know that back around Christmas time there were some issues, but I didn't know it was happening again. What is it about? Has there been a lot of it?

Help me, because I have no idea what anyone is talking about!!! :shock:

And Mike...I'm absolutely DYING to know what's up with you? Are you getting married or having a baby?? SPILL!!!! :D

I hope I am not the culprit who was the cause of this post. I am a new poster and posted my story on another thread.I didn't stop to think that what worked for me might not work for someone else.My apologies, I have found alot of great info and advice on this site.

Sherry, welcome to the site!

You are always welcome to share your story and explain what worked for you.

Absolutly . . . Please, do not think I'm aiming this at any particular person. I just want every user to use their judgement when deciding what to do . . . . .

Everyone's story and personal experiences are a valuable item here . . . . .

Ok, I will share the good news with all of you. My sister called me in the morning and had something very special to say. I asked.. She had a low voice on the phone because I knew she was in the hospital and was expecting. I thought she was not feeling well. And, she told me that I am now a proud uncle. It's a baby girl. :). Oh God!!!!! I am just not in the mood to work today and I want to party. It????????s something very special that happened in our family after she got married last year. :)

Congratulations again!! That is so exciting!!

Congratulations Uncle Mike!!!

That's wonderful! Don't work..I won't tell anyone :D

What's her name? How big is she? Tell us all!

Congrats Mike...

Congrats Mike,best of both worlds.You can spoil her and when she gets loud pawn her back off to moma. I have 3 kids and it is something special.

Thanks guys, :) I am not married yet. But I have always loved being with a kid. I have plans to make the baby (my sis and her hubby are thinking a name) like me. I was the most disturbing element in my home when I was a child. And I just wish that she gets the best company from me. I have started thinking what it will be like when she will make me her horse for a ride :)

Congratulations Mike!!! That is great!!! Could not tell you were a "Proud" Uncle at all! :D I hope you live close enough to spoil her rotten, but remember this, what goes around, comes around and when you get married and have kids, she might return the favor. LOL That is great news though. After a crappy day, needed something to make me smile and this did it.

Can anyone tell me anything about the laws in missouri concerning the pdl's.

Congrats Mike :) You do what you feel to be the best company for your niece as long as she is happy. :)

Desperate, here goes the laws in MO

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Thank you for that information.........if I am reading that right....if I close my checking account and stop all ach pymts......i could get socked with criminal action?

Okay, I am with Steelers on this one. This has pretty well pissed me off. I'm sorry but I'm entitled to speak my opinion here. I was here in December of 05 because of my own payday mess. Now, there were no templates or anything else like that here now. That was thanks to the hard work of people like Polly, Tammy, Jessi, Sue, etc. We worked together to find out what was tried and true. We also lived in different states so we tried to help each other with different state laws. I feel like I am one of the people this is being directed at, whether it is or not, I really can't say for sure. I guess I am taking it personally because I've been through that hell myself. Just like Steelers who has also been a big help to me and many others on this forum. When I help people, I do so from my own experiences. I try to help them understand their state laws but I also tell them where they might find better direction on that, like their Division of Financial Insititutions or something. I don't think Steelers is looking to be mean to you but I UNDERSTAND how she is feeling. I think this could alienate a lot of "old timers" on the board. I have fought the lenders, I have been called all kinds of names, threatened with all kinds of false threats like arrest, I've been in those arguments, and I have had stalkers from the PDL industry follow me around the board as well as harass me at home and my former place of employment.

Mike,

Congratulations on becoming an uncle :-) I know what a great feeling that is. My nieces and nephews are a big part of my lives. Have fun :-) It's kind of like being a grandparent. You get to spoil them and send them home !!!

Thank you so much everyone. :)

I will put in my two cents into this topic. I know I am feeling very happy at this moment, so please correct me if I get outside the point.

I believe that most of us who remain on the board regularly have an idea about others and their kind of posts. I do have respect for everyone here because no one comes with the intention to hurt others. If anyone does, we apply our admin rights. I haven't met anyone here, but still I feel like I know you very well from reading your posts. Maybe, there was some kind of misunderstanding here and it took a different turn. But you all know from the bottom of your heart that no one here wants to show others down. It just a communication gap.

how did you solve ur prblem

:shock: :shock: Thanks,Mike. Between the collectors and now some irate members,my hole for bass& assoc. is looking like mighty tempting place to be. :mrgreen:

I really didn't mean for anyone to take offense from my post. I just want users to be able to come here and get the best possible information. I beleive that happens when several people's input is given, which is why I said people should double check information and call your state's banking dept to verify any points of law.

I really did post this in the context of helping others . . . . We are all wrong at times, but this post wasn't directed at anyone. I didn't think it would get the kind of response it did from some members, and if it offended anyone I will again apologize. It was not meant to be taken that way.

Yea for Mike!! Congrats uncle Mike!! Let's party!!..KAren As far as the other stuff- when I post or share, I share what worked for me, and I try to back it up with links or other info I have learned in my many,many,many years of life :lol: If I am not sure about something, I don't post until I can get some info on it. We better all get along, giving the wrong info in posts will harm others- but so will alot of bashing each other and arguing. We are all here to help others from what we have learned, or at least that's why I stay. I was able to become almost debt free, thanks to this forum and the support I received. If I can get LVNV off by back-I'm outta debt!..Good Luck to all..KAren :D

I've stepped but from this and thought about it a little more. I apologize if my earlier post seemed harsh but this is something that I take to heart. I'm only going to speak for myself on this matter but there are many of us here who have gone through hell. We have been able to share our experience, strength, and hope with the newer members on the board. We try to help guide them the best we can from these experiences. I believe there are many people here who have a great deal to contribute on many subjects. I learn a lot from new members on the board as well as people who've been around awhile. But I feel like some people are trying to take away from us who did have a hand in paving the way on payday loan mess. I spent hours upon hours of research on this. I dealt with some real shady characters and I have helped others by prepping them for the reality of the situation. I feel like this topic is trying to take away from our experiences and that our advice is not good enough (so to speak). I really don't understand where this is all coming from to begin with. It's almost like you're telling the newer members listen to me and no one else. I'm sorry but that is how I am feeling at the moment. This forum is not about that and we do encourage others to do their own research.

I agree with you Mishele..
I was guided through the mess and my hand held when I needed it.. But I had to research and take matter in to my own hands when push came to shove.. Remember I had a store front that all though must be legal.. only by research did I find they were breaking the law.. But Steeler you sent me the law and others help with suggustions.. I learned from your experiences..
thank you all

Mike - Congratulations - I know just how you feel - even thouhg I had six kids of my own and 20 nieces and nephews, My youngest brother and his wife are having their first baby and I can't wait! Healthy Happy babies all around!

I know how to read people's mind. Seeing Goudah apologizing so many times, I see her with a clean heart. If she really wants to hurt, she wouldn't have cared to make an apology post. I also feel that Steelers, Mishele are showing their concern when they saw something different which was actually not intended. So, they are also right with their concerns.

I'm most definatly not saying only listen to me, I've been wrong before too. And I'm not trying to take anything away from the original members, I'm not saying anyone's advice isn't good, I'm just saying to people to check things out and use their judgement. I've had 9 ipdl's too, and I've spent 2 years dealing with them. Just because I haven't been posting on this site for years doesn't mean that I haven't been through a lot of the same things you all expeienced (although I didn't have industry people stalking me). I've done a lot of research into this too (hours and hours for 2 years). At times it seems that since I'm newer I must not know anything.

Again, the intention of my post was only to tell users here to verify any important information before they go using it. I've seen a lot of posts lately (not from any of the OG's) that the answer to any pdl situation is "Recite the laws and you'll get marked PIF". I was just trying to explain that it's a bit more complicated then that. I really thought the post would be helpful. If I had realized at all it would get this response I wouldn't have even started it.

I've done the best I can to explain my intentions with this post.