What a Looser

Sorry to hear about your hard times. You have come to the right place for advice, help, vent or whatever...The person that called you did she say what company she was from? Did you get a number? Wow, it's been a long hour huh? And no one has shown up at your door :) Everything will be OK. She cant threaten you with the police. There is no debtors prison. Please give a little more info on the payday loans we will help you...:)

Tweety is right, you won't go to prision, and they are just trying to scare you into paying with the police. The police don't care if you owe money, they have real crimes to deal with.

If you look in the debt settlement forum you will find a TON of information about payday loans. If you want to post what state you are in, how much you borrowed, from who, and how much you've paid back we can help you.

Also, since your bank closed your account with a negative balance they probably sent a report of it to chexsystems. This can make is more difficult to open a new bank account. But there is a list here of banks that you could still open an account at, so all is not lost.

You've came to the right place for help with payday loans. Just post a little more information and we can send you in the right direction!

Yes she did give me a phone # with the area code of 407. The name of the company with United something. Like I said, her accent was so heavy I was having a hard time understanding her. When I call the # back they don't answer with the company name. The payday loan was thru Astro Lending and was for 390.00. Their emails came from the bmg group. The collector said I now owe 510.00 plus 300.00 to them. I also have an outstanding loan with Cash Link USA and East Side Lenders. Believe it or not, I have paid off two loans, one with Cash Central who was very good to work with and the other Cash Transfer Centers who was a living nightmare. I paid them $510 and they still garnished my wages for $66.00. Please don't misunderstand me, I have been very blessed in my life, all of this is my own doings and I'm really ashamed of my stupidity. Thank you for all the help, advise, and just letting me vent.

Yes, please tell us as much as you can. You are not a looser!

I am in Alabama. I did go ahead a get a new checking account before the bank closed my old one. I had been with them for 11 years but I had to move on.

I think BMG group is with a bunch of collection agencies....you need to find out what your state laws are for payday loans. http://www.paydayloaninfo.org/index.cfm


They want 510.00 PLUS 300.00 down? Look up this link and see if they are even licensed in your state to provide payday loans...I bet they arent...figure out what you have paid back.

This collector from United has just called me again but I wasn't able to take the call. My original loan was for 300.00, payback 390.00. She is saying that my balance is 510.00 plus the 300.00 that I owe her company for collection fees. I went to the website but I'm not getting any of these loan centers to pull up.

If they aren't pulling up on your state's banking website, then they aren't licensed. You need to file complaints with your attorney general's office, and start writing some letters.

I would start with writing to this United and ask them to validate the debt. You can find examples of how to do this on this site. Since the debt is at a third party collector, you actually have more rights. If you don't want them to call you anymore, send them a cease and desist letter. If they continue to call they can be fined for it.

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I didnt see any loans that you had that are licensed with your state. File complaints against them. if you need help- let me know....you only owe the PRICIPAL amount! They are charging you illegal fees.

Am I doomed?

no, you only owe back the principal amounts. You said you paid back 1 loan and they STILL garnished your wages? Did you actually have a court order from them to garnish your wages? I'm thinking on that one you should demand a refund....

Don't be too hard on yourself. I am in almost the same situation and i took my mother with me..but we are managing. We have been able to pay some of the overdue utilities since we closed our checking account and opened a new one and I just sent letters out today (certified) of a revocation of wage assignment and a payment arrangement that I can afford. If they don't accept the payment arrangement then they don't want their money bad enough (in my opinion). Feel free to vent to me anytime..

Did you sign any voluntary wage assignment forms allowing these companies to take money from your paycheck in case of default? If you did, revoke them immediately! The only way they should be able to garnish your wages is through court order.

I never saw the garnishment. It went directly to my corporate offices where my payroll is done. She did call me and ask me if it was mine. I do payroll for a transportation company in Alabama. Our home office is in Oak Brook Il. What do you do if they want work with me. I don't have the whole dollar amounts or I would have paid them alread. My goal, get these payday loans gone, get out of debt. I would really like to buy me a townhouse and have a place to call mine before I pass on from this life. I surely don't want to be a problem for my children. I work about 45 hours at this job. I am also trying to get by bartending license so I can work on the weekends. It is soooooo great having someone to talk with that won't judge me. God Bless.

The fact that you have that original account closed is a good thing. The current overdraft balance - well, that sucks, but you can get that fixed in time. The main keep is that these leach companies will get money from you on YOUR terms, not theirs. Do NOT give them you new banking info. No matter what. They will threaten you with court and jail and such. All those threats are illegal.

As other's have said, it seems you have more than satisfied the loans. That fee of $500 above the original loan is a joke, in my opinion. I am sure someone with more experience with iPDLs can confirm that.

BTW - "looser" is not what I would call you. For starters, you misspelled it. There are not two "O's".

The correct spelling is "s-m-a-r-t". There will be a test later - you better study. :)

Did it come from the courts? If it was a voluntary wage assignment maybe you could get your money back. Just a thought...

That's what I'm thinking....I'm also thinking that she has OVERPAID so far? I've been searching on the state laws and I'm not finding any loan she has that is licensed?!

To be honest, I don't know what I've signed. Talking about adding insult in ingury. I think I kept a copy of everything they sent me. I do still owe these three loans. This all started around Sept of last year. I paid numerous times to have the loans renewed. What do ya'll (southern slang) recomend my next step be. I haven't heard from the other two places yet but I know I'm on borrowed time.

Actually, you should owe the principle plus the legal amount of interest for your state.

I received a email about four weeks ago from a settlement company that claimed to be experts in the payday loan and cash advance field. I must have deleted it on accident. Does anyone have any info on such a company.

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Sounds right to me, Jedi. And my gut feeling is that if none of these companies are licensed in Alabama, she needs to figure out how much she's actually paid them and if she's overpaid them, demand that they mark her files PIF or else the Alabama Attorney General is going to find out!!

First and foremost---I agree with the above---you are not a "loser". You said that no debt consolidation companies worked with PDLs---did they mention Town and Country Acceptance? That is a debt consolidation company that does work with PDLs. Don't worry and I know that is easy to say---you will get it all straightened out and everything will get better.

Okay, tell me this. Which state governs how the loan is handled. The state where the PDL is located or where the customer is.

Mostly the lender has to follow the laws of the state where the borrower applied for the loan.

But the laws in some states like PA, RI are slightly different. Here a company has to be a licensed business in their state before they can offers loans to the borrowers.

Thank you for the info. I forgot to log on before asking my question. So in Alabama any PDL on the internet can offer you a loan without having a license here but the load should be governed by Alabama laws. Is that correct?

The IPDL companies must be listed with the Alabama Banking Department to confirm about their legitimate business.

http://www.bank.state.al.us/ADPSA_Licenses2.asp see this link. You will find all the companies that are licensed to do business in AL

Ok I just went through this real fast because as soon as I saw United and BMG it set me off. Sorry if any of this was said earlier. I just wish that somehow they could be shut down along with Bass.

BMG will tell you that they don't have to follow your states laws because they are located in the Bahama's. It is Bahama's marketing Group. and the collector sounds like United pay services/united processing services. I have a defaulted loan with BMG and I turned that one over to my state DFI along with united pay. They both stopped calling once I told them that what they are doing is illegal and I am not paying by moneygram or western union. I also told them that as soon as they send me validation of how much I already paid then I will pay for the amount of the loan only and only by money order. I have not heard from them for a couple of weeks now. I have yet to receive anything in the mail from them.

Most of all I would work with any storefront payday loans that you have first. Then work on the other ones. Just to let you know, you are not alone in the payday loan trap. I am there myself and trying to dig myself out. I wish you the best of luck :)

JCompton, What Tweety and Jedi are saying is 100 percent correct. You have rolled over a lot according to your state laws they are not allowed to do that. Also if they are not licensed in your state you only pay back the principal on these interent loans. They will tell you you have to follow their state laws. They say that in WV but they found out WRONG!!!! Most important Please contact your Attorney Generals office consumer division and see what advice they can give. Best Wishes KYSIDE38

YOU ARE NOT A LOSER!!! Don't think that, because that is the one thing that will keep you from working through this.

What are the 3 companies that you owe? I could probably bet a billion dollars that at least someone on this site has dealt with them before.

Don't let them discourage you. You will NOT be arrested. Period.

Next time they say that they're sending the police over to get you, tell them you've been thinking about a vacation. :) Or tell them to make sure it's a sexy one, because you've always had a thing for cops...:) I'm being silly. It's been a long day. :)

You'll be fine. Let us know who you're dealing with, and you'll be done with these in no time.

If you have been paying since september you are probably already paid up in full and the balances are these greedy sharks trying to collect funds that they are not legally entitled to collect. You have some real good advice given to you in this forum. You should follow it, first thing that was mentioned is that they need to validate the debt, otherwise they may not even own it.

The Lord was smiling on me when I stumbled onto this website. Thank you for all the encouragement. Support and input from all of you helps me cope and not feel so alone. I would like for someone to please send me a pm with contact information on T&C. Maybe they can help me with all my debt. God Bless!

j--With only 3 loans, I don't think you will need T&C.....I did near 7 myself.

Which companies are you working with? We can more than likely get you out of this without spending extra money on consolidation fees.

Good morning jessi, I'm dealing with Astro or I should say United now that they have turned it over, East Side Lenders and Cash Link. None of these are found to be licensed in Alabama

East Side Lenders, I found the following contact info from their website:
East Side Lenders, LLC
103 Foulk Rd. Suite 101
Wilmington, DE 19803
Phone: 866-569-6636
e-mail: service(at)eastsidelenders.com

Is it the same company? Looking for info on the others.

Another thing we need to know--How much did you borrow from each, and how much have you paid?

About the Astro one...What does the debit on your bank statement say? It should have a name attached to it....I'm still looking for Cashlink as well.

I think its great that you are getting things rolling and getting your life back on track JC :) Good for you!

I am at work but I will pull all my statements and see how much I've paid and the name on the ach debit. I know that the email I was sent from astro says the BMG group not astro. Cash Link USA is the complete name on the third one.

I bet you that you have paid back 1 or more in full.....There is light at the end of rainbow!

Do not take any of these colletor people seriously. They are powerless to do anything but try to intimidate you. Send them all a cease and desist letter telling them they may not call you, or anyone you know. If they persist file a complaint with the FTC and the Attorney General in the state that they are located. Then just laugh at them if they keep calling. They are the losers because this is all they can do. They can't eat you so don't worry! Make it a sport. Right Tweety. You seem to pop up everywhere!

Hmmmmmmmmmmmmmmmm. I dont know if I should take that as a good thing or bad?

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Good Morning Mr. Jedi!!!! :)

Always a good thing Tweety! You add spice to the mix and are a refreshing genuinely concerned person.

YAY!!! Whew. I was worried.

Hi i have to find out info about Astro LEnding. Some outside collection agency called me and told me that I have to re-pay 763.00. I borrowed 390 and have the 390 to pay Astro and have been calling them and no answer. THe outside collection agency told me I had until today by 4.30 to pay this 763 or she will file charges with my state attorney for fraudulent intent.

Can she do that.

Hun my heart really goes out to you...and, I really don't know much about this particular issue...I am in trouble with student loans.

But I do know that I wss molested at 13 and became pregnant....my daughter was born 2 wks. aftyer I turned 14.

This was in 1971 so there really wasn't any help available....I couldn';t even go to school. My parents were alcoholics and my my father was a very brutal wife beater. I witnessed many bloody and ugly scenes. So needless to say they weren't of any help....my Mother went with me to Mexico and I married my molester..he was 41..I was 13..but I wanted my baby.

I stayed with him for 5 yrs. and it was 5 yrs. full of beatings, rapes, and very odd things...his brother was also a child molestor..he actually went to prison yrs. later for molesting a 12 yr. old. AnyHoo..at 16 I gave birth to my 2nd daughter from this same relationship. I stayed until I was 18. Because at that time in the 70's no-one really seemd to care....I tried to get help from gov. agencies but they said I didn't qua;ify...go figure that 1!

Today I am 50 and I suffer from extreme chronic anxiety, panic disorder with agoraphobia, and also PTSD. But, none of this hit me un til my mid to late 30's. So after raising my 2 girls I went back to school...got my GED and then went to college and then this crazy mental disorder hit me.

I was able to overcome everything I just told you about and managed to raise my 2 girls very successfully. My oldets now has her PHD in english Liut. She even graduated with honors. and my youngest..now 33 is an RN curently working on her bachelor's degree.

As for me I am 50....can't even get out on my front porch w/o some pretty heavy duty medication. I haven't been able to work in 7 yrs. And I owe $36,000+ in student loans. And they are all in default..and do you think they care?...LOL...th very same gov. that wouldn't prosecute the sick pediphile that got me pregnant, and for that matter wouldn't help me get away from my parents or anything.

But you know what....I am still here...typing on a computer....and I have food to eat, a roof over my head...so the good Lord has always provided.

I wish I had more concrete hgelp for you...but all I had ws to share my story........hang in there....they can't eat you or put you in jail. And, I have found that no matter how bad it is...it always turns back around and gets better!!

Sending you my best!!!!

I am sorry to hear about your troubles,but you are not a loser ! believe me we all have been tthru all that pdls mess and you will get through! All these people in the forum are great. Have you made any payment at all to Cash Link USA anad East side Lenders are these internet paydayloans also? You probably overpaid them and you are only liable for the principal and the fee that Alabama state allowes.

Moondanzer, my heart really went out for you. You have been a very good mother for both the daughters. I feel that they realize how much sacrifices you have made for them and take care of you all the way. You are one strong lady I recently know. You are great. My hats off to you.