settlement offer from oneclickcash

I think you should go ahead with the settlement offer and get your account marked closed. Regarding the NSF fees, go to your bank and place it on dispute. They will verify and reverse the transaction.

I tried to talk to my bank about this and they said that because I took out these loans that they cannot reverse the charges. But that was the corp. office. Maybe I should go to the local office and talk to them. Or have my states DFI contact them and tell them something. I would love to have my money back. I don't even know how to word that to my bank to have them verify it.

I was thinking about accepting the offer.

Hang in here for others to read your post and give opinions.

Will do, thanks Bridget :)

Ok I contacted oneclickcash and told them that I would accept the offer but i couldn't pay until April 13th. They sent back the e-mail saying that, that was fine but to make sure the payment is there on that day. So on April 13 th I will have one less payday loan wooohoooo. Plus I saved myself $330 buy settling :) now I have to be that firm with the rest of them. They are starting to go down faster now :)

WOW! congrats, you are getting the results. Things are working out. :)

Congratulations! It's great that they are settling for the principle!

As far as the NSF fees go, I would go down to the bank and tell them again that the transactions weren't authorized, and as such you shouldn't be responsible for the NSF fees. If you still have problems I would talk to someone in your states DFI. Since they regulate banks they may have more pull with the bank then just a regular person.

But it also may not work. I ended up getting stuck with $680 in NSF fees when I was going through my pdl mess. The bank refused to help, and my states banking dept couldn't influence them because the bank is so big. But part of that was because I lost my purse, and so there were other issues involved. Plus I live in another state so you could have a totally different outcome than I.

At least you have the pdl taken care of!!! :D

puddlejmpr,

That's good news! Congrats on getting the settlement offer. I'm sure that has to give you some relief :-)

Well as I stated before I did accept the settlement offer (wooohooo one more down :) )

Now on the nsf fees. I have been working closely with my DFI so I sent her the info along with the BBB complaint. She already has my bank statements and sees what all the companies did to my checking account. Anyway she told me that in order for the bank to give me back the nsf fees I would have to file a claim with the bank. But it cannot be any later than 60 days from the date it happened. Bummer so I am stuck with them at the bank. BUT... she is going to work on getting a refund from oneclickcash for the nsf fees because they tried to withdraw from my account in unauthorized amounts. So for now I pay the settlement amount and then with luck oneclick will be sending me most of that money back lol. I will let you all know when I hear something from her. I just e-mailed her the info she asked for and she said she is going to do some figuring :) I really like her. She never had a change in the tone of her voice when I told her all about the different PDL's I had. And she told me to send her everything I had and is working very hard in helping me deal with the internet ones. We (WI) are VERY lucky to have someone like her in the DFI. She hates the internet payday loan companies, can't imagine why?

It's great when government workers are actually helpful. I've called a bunch of state banking depts in the last few months, and found that some want to bend over backwards to help, and others treat you like you have a contagious disease . . . . .

Goudah,

I agree with you on that point. When I was in my own pdl mess, I contacted a few out of state DFI agencies. Some treated me like I had the plague because I was in this mess. I remember the lectures. I already understood the mistakes that I made. I needed help with the harassing collectors.