What to do......Payday OK and Payday Select

So basically between the two I would be paying $360 total when I only legally owe about $149..........

Hmm thats a tough one....On one hand you have already paid what you owe and I feel you should stick to that but on the other hand you can make these arrangements and get them off your back...DO you have this in writing or just via phone conversation? Cuz I wouldn't do anything without it in writing....

I have it in email. It is tough for me too. They were really nice about making the payment arrangments and didn't give me any trouble about it but that is still a lot of money that I #1 don't legally owe, and #2, don't have!! Heck no, I am not talking to any of these people on the phone anymore!!! I don't trust any of them!

Hmm well you do have it in writing...but at the same you have paid these back legally...maybe you should see what T&C has to say?

I can give T & C a call....but I'm afraid if I do it with T & C I will have to pay back more than I owe..........

Yeah thats what I was thinking too...I was gonna wait another week before I made my decision on T&C to see if any of my loan companies will do the decent thing and mark it paid in full...Still want to call and see how much my monthly payment will be...

Yeah because if I had originally gone with T & C when I first called them I would have ended up paying One Step Cash and they marked my account paid in full, plus I settled with The Loan Shop too.

Well at least you are getting responses...What are you doing that I am not? No one is responding to me...But then again no one is harrassing me either (other than GFSIL) Maybe I should start emailing people...

Well I know Payday Avenue, Payday OK, Payday Select, and The Loan Shop all got my emails. UCL emailed me a response but I'm not sure if they got my fax or my email. I think it would be a good idea to start emailing them.

Yeah thanks...That will be my adventure for next week...Or maybe I will do it tomorrow before I am off for the weekend...of course there may be some responses to my snail mail at my parents house that I do not know of...Have you decided what to do? I think I would either stick to my guns that they are paid in full or take the settlement...Of course I have no spare money right now to take any settlement offer lol

I am still thinking about it.....it will be interesting to see how much snail mail you have. It seems that a lot of these places don't want to put anything in writing so nobody knows where they are operating out of!

I have emailed both payday ok and payday select and got both emails confirmed and the next day my account was paid in full but I also reside in pa.also I emailed them from their own website so I do not know if that makes a difference.keep coming back to this site,because it really works to listen to them,I did and now I have 2 pdl off my back.thank you everybody and god bless!!!! :)

Thanks Jadira. Did you still owe them a principle amount? I agree about this website. It literally saved my life. There are smart, kind people on here and I wish I had known about it a long time ago!!!

Saved my life too....
I thank the lord every day that I found this site

Yeah, so do I...I was really thinking about suicide before I found this forum. Things seem so much better now. I thought I was the only person in the world in such a pdl mess and I never thought I would be able to overcome it.

Sass u made a very strong statement there..but I TOTALLY BELIEVE.. used to wonder how could people be depressed? Until I got into this mess..I tell u I started taking sleeping pills because I could'nt sleep..I told myself I had to go on because of my daughter..

I know, it was a strong statement but it's the truth. I am still not sleeping good. Whenever I wake up in the middle of the night all I can think of is Payday Avenue, United Cash Loans, etc.....and how I am going to deal with them. I don't get more than 3-4 hours of sleep ever since I got into this mess but I am not really suicidal anymore.

Right.. your life become so absorbed with these pdls..I have two jobs and still wasn't able to make ends meet.I just had access to all of my paycheck last week for the first time in 9 months..

Last week was the first time I had access to my paycheck, too. It was amazing that I was able to buy "groceries"-and not just bread and milk!!

Ditto..All I could afford was gas and my daughters afterschool care..I live with my dad and I would owe him and he would have to buy groceries..this website is a BLESSING

I was feeling the same way...Especially when I was stressing about the fact that I was pregnant and didn't have anything and saw no end in sight...If it wasnt for my unborn child and finding this sight I think I would have gone mad...

It is sad that these places can beat us down until we can't take it anymore, and they prey on that.

And these companies say they are serving a legitimate need . . . . I bet if these places weren't around, we all would have just done without the money, and been so much better off.

I know that I wish I had swallowed my pride and just asked my mama for the money because she ended up having to support me for months anyway as it was....DOH!

Right, if these places wouldnt exist, we all would have found some other way to deal with things like people did before these places existed! I want every one of them shut down.

Does anyone else have any ideas if I should go with their payment arrangements and pay them way more than I owe or should I keep fighting them? I really can't afford to pay them more than I legally owe. I have promised so many people $50 payments here and there that soon I will not be able to pay my bills again not to mention that due to all these excessive withdrawals my husband's car is about to get repossessed because the check by phone I did bounced.

i forgot password by my id is ssgnewtonj. search for my posts. I got paydayselect to forgive my, my wifes, and a soldier of mine pdl because i caught them operating without a license here and charging in excess of the legal limit in ok. Search my posts and you should find the email i sent. i got a PIF letter 3 or 4 days after i emailed them.

Both Payday OK and Payday Select have been good at making arrangements on my accounts with them. In fact they have been the easier payday loan company to deal with during this whole process.

Thanks ssg. I told them they were operating without a license and charging in excess of the legal limit but they still want to charge me more and want me to make monthly payments. Do you think I should email them again? You had better luck than I did.

Hey sass..I also read some other threads on here by some people who stood their ground and eventually they marked the accounts PIF

Maybe I should send them another email in response to the one they sent me with payment arrangements???? Any opinions???

I would do that. Some pdl's mark one person pif with no fight, yet others have to keep persisiting. It really makes no sense sometimes . . . .

But you know it can be done, so I would just keep trying!

Persistance persistance persistance....that is my goal with these shiesters....

Or, I could hang in there and see what happens after the AG reviews my complaint? I just filed the complaints on 3/21. I called the AG this morning to confirm that they have all the complaints I filed, and they do.

I'd continue writing letters while the AG reviews the complaints . . . .

Ok, thanks Goudah, that is what I will do. I don't think that these places should get more than the law allows.

Absolutly . . . .

Sass, what i would do in your case if you can find your statutes citationized is cut and paste them in an email using the contact us on their homepage. Quote your applicable state laws and make a statement in bold at the end of each statute. I have done that to other PDL companies with success. I have a couple that are trying to outlast me but paydayselect just dropped the issue. I requested copies of the loan docs to verify what i owed them and kind of hinted i may file a complaint with the FTC and the AG's office. Just kind of subtle threats i suppose..lol. On another not i got one to admit on tape that they are approved by the US Army as a place to get a loan. I played that one for the Ft. Sill SJA(Staff Judge Advocate) office and they are looking into popping them as a government entity and putting them off limits. So a little determination goes a long way.


KNOWLEDGE IS POWER AGAINST PDLS! The peple on this sight rock and are full of insight

Ok, I emailed Payday OK and Payday Select and again told them the laws, and that I do not owe as much as I stated. They wrote me back within an hour and settled for the principle I owe and the legal interest. They set up a monthly payment plan split up into 4 months that I can afford. I am happy with the outcome and 2 more pdl's handled!! That is 4 that I have taken care of myself that I was thinking of paying someone else to handle and this is all thanks to everyone here!!! This is a wonderful forum and I am so grateful for you all.

i just stood my ground and it paid off for me. i revoked wage assignement and ach debit authority and let them deal with it till i won..lol

good job!!!

Thanks!!! Slowly but surely.....I still have a storefront to deal with too and they don't want to take the payments I can afford.