address for GFSIL and DMS

GFSIL phone - 800-865-3704. Their fax number is 877-280-2330 / 877-280-3359.

GFSIL
1005 TERMINAL WAY
SUITE 110
RENO
NV 8950


Also, I don't mean to be rude or anything, I can tell you need this info asap, but if you could keep things to one thread it's very helpful. When the same question is posted on several different threads it makes it hard to follow and can get confusing. Thanks!

DMS -

Phone - (800)859-6439
1-800-493-3380
1-800-757-0122

2207 Concord Pike #505
Wilmington, DE 19803
the phone number to the collections are is 800-859-6439

I am sorry, I am new to this and didn't think I was doing it right. I thought my other ones hadn't gotten anywhere. I am sorry!!! I am a little upset because I've got people calling my work every few minutes and bothering my boss.

That's understandable . . . . Most of us have been where you are. If you want to post more about your situation, we may be able to provide some more advice.

What state are you in? Who all have you borrowed from/how much/ how much have you paid back in fees?

From the sounds of things you need to send these places a cease and desist contact at work letter asap. Tell them you will only communicate through mail.

And you did the right thing by starting a new topic with your question . . . . That way people will see the topic and respond, instead of only being able to see the question at the end of another topic.

direneed.....you aren't the only one. DMS was calling me and my coworkers every ten minutes a few weeks ago. With the help of a couple wonderful people here like goudah I finally got them to stop calling my work but they still email me at least once a day. I completely understand how you feel. You have to get really aggressive with DMS to get them to stop calling your work. They were calling my coworkers and telling them they are now labeling me a "runner." Today they sent me an email saying I have been writing them bad checks.

Tell them to prove you wrote a bad check....Tell them that they have been fraudulantly submitting paper checks to your bank as you have not authorized them to do this

Thanks, I appreciate your help. I had gotten on last week and everyone is so helpful, I'm just not very familiar with sites like these and I have been trying to piece together the information to send them a letter. I have one typed up because I know I have over paid on some and then I was also going to send a cease and desist letter. I wasn't sure what info to put into that one. I live in Indiana. Here's my list
Payday Select - loaned $200 on 9/29/06 and I have paid $407.85
Paycheck Today loaned $200 on 3/2/07 and have repaid $120
GFSIl loaned $200 on 10/27/06 and have repaid $705
DMS loaned $300 on 10/27/06 and have repaid $1,062.50
PDay Service loaned $200 on 11/3/06 and have repaid $590
QuickCash loaned $500 on 11/28/06 and have repaid $625
Northway Credit loaned $1500 4/2/07 and haven't repaid yet
Interim Cash loaned $200 on 3/21/07 and have repaid !60

Any advice would be appreciated, I am lost!! My husband and I are divorcing now and I don't have the income to carry these. I am trying to get them worked out but so far no one wants to work with me, they all want them paid in full.

sassnlucy...what did you do to get them to stop calling?

You will find the Payday loan laws for Indiana here (just select your state),

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


In Indiana they cannot rollover loans. So all the fees that you've been paying every few weeks should be going to principle.

It looks like you still owe Paycheck Today, Northway Credit, and Interim Cash. I would try to set up a payment plan with them, although they probably will tell you no. Just send them whatever you can afford each month. It's not like they will refuse money.

Here is a link that goes by state for pay day loans at http://www.paydayloaninfo.org/states.cfm You can send a cease and desist letter to them that they are not to contact you at work, and all communications be done via mail. Keep records if they violate this order..Good Luck..Karen

Let's see, I refused to communicate with them by phone. They kept calling and every time they called I emailed them and told them that they were breaking the law by calling me repeatedly at work when I told them not to. I told them in email, I have received your various emails and phone calls, including the most recent call where you told my boss that I am a runner. In fact, I have not run from anything. Your email states that I have ignored you with silence, false promises, or outright refusal. This is incorrect. I have not ignored your attempts to contact me at all. In fact, I have responded promptly to all correspondence I have received. I have already asked that I not be contacted at work and you have violated that. Legally you are not allowed to contact me at work if I ask you not to do so. Please do not attempt to contact me by telephone. I have told you this numerous times. I CANNOT ACCEPT PERSONAL PHONE CALLS AT MY PLACE OF EMPLOYMENT!!!!!! IT IS ILLEGAL FOR YOU TO CALL ME AT WORK IF I ASK YOU NOT TO!
After I told them this about 5 times they finally stopped calling my work. I really had to get a$$y with them but they started it!!!

Thanks, those are the ones that I figured I would owe on. If anyone has an address for PDay Service or Quick Cash I would appreciate it. They don't like giving their addresss because they know why we want it I think. You guys have been a lifeline!!

is dms the same as gfsi

No DMS and GFSIL are different companies. DMS also does business under the name of The Loan Shop and Westbury Ventures and I think Xpress Cash. I am not sure what other names GFSIL goes under. The two do have similar tactics.

I believe DMS and GFSIL are different as far as I know.

Can anyone tell me also, how much should I pay these companies back? For example on my Paycheck Today loan: I borrowed $200 and have paid them $120. What else should I send them because I don't want to overpay anymore of these companies!!

I would say you would legally owe a total of $230 on the $200 loans. So having paid $120, you should owe them $110.00.

The maximum amount they can lend you is $500, so Northway messed up on their loan from the start.

$110 is what I figured on too, I just wanted to make sure I was on the right track. Should I only repay the $500 to Northway? I was such an idiot getting into all of this and not even realizing what was going on. I just want the nightmare to be over.

I would call your state's banking dept and AG's office and see what they say about it . . . . My opinion is that you should at least pay back what you borrowed . . . .

I think so to really it's just that after I found out that alot of these companies dealings are illegal I am a little bitter. But I don't want to sink to their level, right? Thanks again for all of your help.

No I dont think they are the same...GFSI treated me completely diff than DMS is treating Sassnlucy....

You don't want to sink to their level . . . . You've got the law on your side, that's all that matters!

Yeah DMS is way meaner than I ever thought they were. They said they don't care about the state's laws either. Each email I get from them gets worse and worse but at least they are not calling me anymore.