DMSMKTG / XPressCash / The Loan Shop

I was able to get my account marked PIF and also receive a refund from them. Of course I had paid them well over $1000 for a $200 loan. For me, they were easy to work with, but I have heard that other had a hard time. Just be persistant.

How did you go about getting them to mark your account PIF? I have sent one email and one Fax outlining laws in MI, etc.

Sarah - who is your "account rep"?

I've been having a whole lotta trouble with them too...

There are two people I have emailed -- Lapanda Mason, and Patrick Brunson.

There are two people I have emailed -- Lapanda Mason, and Patrick Brunson.

I just sent them a few emails. I was nice in them and told them how much I had borrowed, how much I had paid, quoted the statute in my email, and I also told them thatI had filed a complaint with our state AG's office, which I did, and that I wanted to get this settled as quickly as possible. I also informed them that I had revoked authorization to debit my account, (and the bank had a copy of this), the wage assignment, for them to contact me or my employer at my place of employment, etc. I also told them that once they make my account in full (and for me issue a refund), then I would let the attorney generals office know that the complaint was handled satisfactorily.

You just need to stand your ground. Have them deal with you through email or USPS, that way you have everything in black and white. Hang in there.

My advice is to keep everything to written correspondence. Some of these companies don't like to correspond in writing (cough GFSIL cough). So have everything documented, so they can't deny it.

What I would do at this point is to demand that your account is marked paid in full. Write them saying that you've already overpaid by $68 and you legally do not owe them a dime. Let them know that if they fail to mark your account PIF you will report them to the MI AG/BBB/Banking & Finance departments.

Then..wait for their response. Just don't let them get to you...

I started off with this address:

customerservice (at) dmsmktg (dot) com

Then I dealt with a lady named Rachel Cooper. She was very nice to us and we didn't have too many problems.

Okay, I will just hang in there then, and wait for them to respond. I sent the email/FAX on Monday, so it hasn't been that long. I really just wanted to know what I was up against.

Thanks you guys and gals!

No problem Sarah. Please come back and let us know how it all turns out!

Sarah ~ I sent my pdl companies and email everyday until they responded and it was the exact same email I had sent the day before. In the subject line I would write, "2nd email" "3rd email", etc. It is up to you how you want to handle things, but like I said, I sent something every day.

An email a day with "1st attempt," "2nd attempt," etc. is a great idea! Thanks!

Lapanda just got back with me and said she is sending it to her collections dept. A Kylie -- anyone work with her?

I was able to get a PIF letter from them. Once I filed my complaint with the AG's office and the AG contacted them, they marked me PIF very quickly, I received an email copy of the PIF letter they faxed to the AGs office. This was the first company to settle with me. You must file a complaint for them to take you seriously.

I told Lapanda via email that I expected a PIF today, and if I didn't get it by 8:00 pm, I was going to file my complaint with my AG. She responded within 5 mins saying she forwarded it to Kylee.

Oooooh Kylee called and hung up on me saying they are Delaware and they don't have to follow the state of Michigan's rules on PDL.

Do file the complaint though. Also you can file a complaint with the BBB too.

I guess I can't file a complaint with my AG because the company is not registered in Michigan????

This stuff is weird and confusing.

I guess they can just send me off to collections -- they still aren't going to see a dime.

Yes, you can file a complaint. None of the pdl companies were registered in my state, NC. They are all prohibited here, but I was still able to file a complaint. It doesn't matter if they are registered there or not, that just makes your case a little stronger, the way I see it. FILE! FILE! FILE!

I just filed with the BBB.

Sarah follow the links on this site:

http://www.paydayloaninfo.org/state_detail.cfm?id=MI

It gives the instructions on how to file a complaint. It also gives you the regulators website.

This company won't cave. I am about to tell her that she can sue me for the money.

File your complaints, if the account is closed, you know they are not going to get anything. Just continue to email them about wanting your account PIF, put a copy of the law in your email, you can ignore the phone calls and if they get to be too much, change your number, be sure to let the people at work aware of what is going on, revoke wage assignment and give a copy to your work and go about your business. They know they are wearing you down but try not to let them get to you. I know that is easier said then done, but it can be done. Don't get into a pissing match with them because it won't get you anywhere. If you do talk to them, tell them the law, tell them that you are PIF, remind them that you have revoked everything, let them know you have file complaints with the AG, the BBB and whomever else you need to file with, let them know that you are aware of the tatics they will try to use to get you to pay the loan and that none of them are going to work, and let them know that you work is aware of the situation and will not discuss anything with them and will not let your wages be garnished. Of course the latter you will have to make sure you do talk to your work so that they are aware of the situation. Oh, make sure you revoke any authorization you have given them to contact you at work, your employer or supervisor, etc. What I did with Route66 the second time I actually talked to them is said everything I needed to say and did not let them say anything at all and hung up on them. Oh, and you can let them know that until they mark you account PIF, there is nothing else to discuss. But I would send them an email everyday requesting everything as stated above. They will eventually get tired of it. Just stand your ground and do not back down.

The nice thing is that they are unable to contact my work, because I work from home. I work for a University -- and they have the main line number which won't get them anywhere.

I will be sure to send a revocation of wage garnishment to my employer though.

Do you think they can send this off to collections and that this can end up on a credit report?

If a company isn't licensed in your state that doesn't mean you can't file a complaint with the AG's office, it only means that the company isn't licensed to conduct business with consumers of your state. Even more reason to file a complaint against them.

Definitely file a complaint against them with the AG office. When I threatened to file with the AG, I didn't get a response; but as soon as I did and notified them I had filed with the AG, I got an e-mail the next day stating my account was marked PIF and I would be receiving a refund in the mail.

What states are you all in?

I am in North Carolina

I too dealt with Mr. Brunson and Rachel Cooper both very nice with me and in 2 days I had my PIF email and got a refund.

Do you have Brunson's or Cooper's email so I can message them directly? Maybe they will be less rude that Kaylee was --

Thanks!

I dealt with Rachel Cooper and all you need to do is replace the "customerservice" with rcooper. She was very helpful and very nice.

rcooper (at) dmsmktg (dot) com

How much did you overpay? The thing is that with the first loan, I paid it off -- but I overpaid. I took out a second loan, which has not been paid off at all even according to my state laws. I am not sure I can even fight this one unless they can apply what I overpaid from the LAST loan to this current loan.

Does that make sense?

I don't remember exactly how much is was right now but did get a refund of almost $1200 from them. I don't know if they will do that, but it is worth a shot.

Their settlement is $300 by the 4th of May. I don't know what other options I have right now --

-- thanks for the help!

Unfortunately for the loan you overpaid on and paid off the first time, you will never see the overpayment and they won't use the overpayment to apply to the second loan. I know a few others attempted this but were not successful. But with persistance it does not hurt to try.

I will probably just try to settle out then. Thank you for the help!

What is A PIF ? I'm also sutck in this crazy mess. Please help and what step should I do? My loan was $300.00 and I thought they have debit my account on the date I have indicated on the payment schedule but realize to decline the refinance option I must faxed the form back to them. The refinance was writtten right after the due date of you loan. Withour clear reading you wouldm't think of it.It's like they did that for their selfich purpose. I thought my loan was paid off but only to know I only paid the refinance which cost me so far $810. $90 every 2 twice.

Voleak, PIF = Paid In Full.

First of all you need to close your bank account.

secondly, what state are you in? (This will help us calculate the legal interest your state allows). Then, YOu'll need to write to DMS requesting that they mark your account PIF b/c you've overpaid by X amount of dollars...etc.

Its not a short process...but its welll worht it in the long run!