GFS, Loanshop, AIP, MTE, Zip Cash, SJM Mrketing..... ect..
Date: Thu, 05/10/2007 - 14:49
Okay I've been reading all the posts on this website and so far all the information on here has been really helpful.
I have gotten my self into some mess, I'll spare you guys all the details but I have about 10 On-line PDL's I'm in the state of California and most of the loan did the rollover thing and I was looking over the laws for payday loans in California and it's not allowed so I started e-mailing and faxing over letters today requesting itemized statement of fees and telling them the law for payday loans here in Cali.
I got a call from GFSIL who I had opened a PDL w/ back on 1/3/07 for $200.00. I paid the $80.00 renewal fee, but after reading all the posts on here I think that should be counted towards my loan so I told them that my balance was $120.00 plus additional fees and interest. So I told them that I would settle with them but that I needed to receive that letter in writing before I made any arrangements for payment.
They called me back within the hour and started telling me that they cannot settle for that amount that the least that they will take is $500.00, I then went on to tell them that I requested in writing in my message that I would not like to be contacted at work or verbally but rather in writing either via email or us mail. Then I hung up cuz he started saying something about we will continue with legal action and will forward this to the legal department. Then this man called me form that department and started telling me that I have to pay the $500 immediately and I could tell that he wanted to intimidate me and I told him that I could not talk at work. He than began to ask several questions I kept saying no, no, no and then hung up... he tried calling back several times but I just put my private line on send calls to voice mail.
Not even a few minutes later he called the number that I put on my application as my supervisor! Thankfully, I put a co-workers number but the co-worker called me while she had him on hold. I gave her a quick recap and we where trying to think of what to tell him, we finally told him that the person that he needs to speak to is out and transfer him to a voice mail. It was another coworkers that will be back tomorrow. I'm trying to think of what to tell him to tell them?? I'm so scared! I think I just pissed them off, does anyone have any advice on what can be done at this point? He was speaking of garnishment!
Some of the other PDL's that I have are
1.) SJM Marketing - Platinum B Services
original loan $250.00 on 12/18/06 they are trying to get me to pay $700!! I've already paid them $150.00 so I think I should only have to pay $100.00 plus fees I also sent them a fax & email today.
2.) MTE Financial
Original loan $300.00 on 03/27/07 I've paid them $90.00 so I should be liable for $210.00 plus fees and interest. I also emailed & faxed them a letter today.
3.) Dollar Quick
Original loan $300.00 on 12/29/07 I've already paid them the $90.00 renal fee so I think that I'm down to $210.00 plus fees and interest. They are claiming that I owe them about $630.00 so I asked me to send me a itemized list of fees and they sent me this:
12/28/2006, Loan originated for $300 with $90 finance
1/19/2007, $90 due, Non Sufficient Funds (NSF) fee of $20
2/2/2007, $90 due, Non Sufficient Funds (NSF) fee of $20
2/16/2007, $90 due, Non Sufficient Funds (NSF) fee of $20
Total Due: $300 + $90 + $90 + $90 + $20 + $20 + $20 = $630
to me it looks like there trying to scam me on the $90 renal fee by changing it's name to 'finance'.
4.) Zip Cash
Original loan $300.00 on 12/18/06 I've paid $180.00 so it's down to $120.00 plus fees and interest. They claim that I owe them $650.00. The guy that I've talked to there is very nice and willing to set me up on a payment plan and he's not pushy or rude at all, but I still think I'm getting scammed on the amount.
5.)AIP
Original loan $200.00 on 04/06/07 I've paid them $89.00 so far
6.) GFS
see the message above on the amounts I owe them
7.) Loan Shop
Original loan $300.00 on 03/09/07 I paid them $180 then last week they hit my account with another company name of "express cash" and took out $480.00! so that's $660! I disputed this transaction with my bank as an unauthorized transaction. That's just wrong there trying to screw me over!
8.) Payday 1
I think I owe them about $250
Then I have 3 PDL that I walked into one is for $300.00 w/ speedy cash due this Friday I know I don't have the money to cover it.
Another one is w/ The Check Cashing Place also for $300.00 now past due
And the other is Cash n' Run for $300.00 also past due
Then on top of all that I have 2 installment loans one from Check n' Go for $1300.00 and the other from Cash Call for $2600.00
Cash call is going to lower my monthly payment to $130 from $230 or so a month but I have to have it to them by next week. The other one hasn't bugged me but I know I need to get on paying them, they haven't reported me to any of the credit ppl but I know that they will.
On top of all that I have a car note that I'm 2 months late on tomorrow from my paycheck i have to pay them $659! Then I have to pay for my child care and rent and bills and insurance for my car! I don't think it's going to be enough for all that.... :shock:
Plus I'm a single mother God I feel so hopeless
Any subjections on anything?
I have gotten my self into some mess, I'll spare you guys all the details but I have about 10 On-line PDL's I'm in the state of California and most of the loan did the rollover thing and I was looking over the laws for payday loans in California and it's not allowed so I started e-mailing and faxing over letters today requesting itemized statement of fees and telling them the law for payday loans here in Cali.
I got a call from GFSIL who I had opened a PDL w/ back on 1/3/07 for $200.00. I paid the $80.00 renewal fee, but after reading all the posts on here I think that should be counted towards my loan so I told them that my balance was $120.00 plus additional fees and interest. So I told them that I would settle with them but that I needed to receive that letter in writing before I made any arrangements for payment.
They called me back within the hour and started telling me that they cannot settle for that amount that the least that they will take is $500.00, I then went on to tell them that I requested in writing in my message that I would not like to be contacted at work or verbally but rather in writing either via email or us mail. Then I hung up cuz he started saying something about we will continue with legal action and will forward this to the legal department. Then this man called me form that department and started telling me that I have to pay the $500 immediately and I could tell that he wanted to intimidate me and I told him that I could not talk at work. He than began to ask several questions I kept saying no, no, no and then hung up... he tried calling back several times but I just put my private line on send calls to voice mail.
Not even a few minutes later he called the number that I put on my application as my supervisor! Thankfully, I put a co-workers number but the co-worker called me while she had him on hold. I gave her a quick recap and we where trying to think of what to tell him, we finally told him that the person that he needs to speak to is out and transfer him to a voice mail. It was another coworkers that will be back tomorrow. I'm trying to think of what to tell him to tell them?? I'm so scared! I think I just pissed them off, does anyone have any advice on what can be done at this point? He was speaking of garnishment!
Some of the other PDL's that I have are
1.) SJM Marketing - Platinum B Services
original loan $250.00 on 12/18/06 they are trying to get me to pay $700!! I've already paid them $150.00 so I think I should only have to pay $100.00 plus fees I also sent them a fax & email today.
2.) MTE Financial
Original loan $300.00 on 03/27/07 I've paid them $90.00 so I should be liable for $210.00 plus fees and interest. I also emailed & faxed them a letter today.
3.) Dollar Quick
Original loan $300.00 on 12/29/07 I've already paid them the $90.00 renal fee so I think that I'm down to $210.00 plus fees and interest. They are claiming that I owe them about $630.00 so I asked me to send me a itemized list of fees and they sent me this:
12/28/2006, Loan originated for $300 with $90 finance
1/19/2007, $90 due, Non Sufficient Funds (NSF) fee of $20
2/2/2007, $90 due, Non Sufficient Funds (NSF) fee of $20
2/16/2007, $90 due, Non Sufficient Funds (NSF) fee of $20
Total Due: $300 + $90 + $90 + $90 + $20 + $20 + $20 = $630
to me it looks like there trying to scam me on the $90 renal fee by changing it's name to 'finance'.
4.) Zip Cash
Original loan $300.00 on 12/18/06 I've paid $180.00 so it's down to $120.00 plus fees and interest. They claim that I owe them $650.00. The guy that I've talked to there is very nice and willing to set me up on a payment plan and he's not pushy or rude at all, but I still think I'm getting scammed on the amount.
5.)AIP
Original loan $200.00 on 04/06/07 I've paid them $89.00 so far
6.) GFS
see the message above on the amounts I owe them
7.) Loan Shop
Original loan $300.00 on 03/09/07 I paid them $180 then last week they hit my account with another company name of "express cash" and took out $480.00! so that's $660! I disputed this transaction with my bank as an unauthorized transaction. That's just wrong there trying to screw me over!
8.) Payday 1
I think I owe them about $250
Then I have 3 PDL that I walked into one is for $300.00 w/ speedy cash due this Friday I know I don't have the money to cover it.
Another one is w/ The Check Cashing Place also for $300.00 now past due
And the other is Cash n' Run for $300.00 also past due
Then on top of all that I have 2 installment loans one from Check n' Go for $1300.00 and the other from Cash Call for $2600.00
Cash call is going to lower my monthly payment to $130 from $230 or so a month but I have to have it to them by next week. The other one hasn't bugged me but I know I need to get on paying them, they haven't reported me to any of the credit ppl but I know that they will.
On top of all that I have a car note that I'm 2 months late on tomorrow from my paycheck i have to pay them $659! Then I have to pay for my child care and rent and bills and insurance for my car! I don't think it's going to be enough for all that.... :shock:
Plus I'm a single mother God I feel so hopeless
Any subjections on anything?
GFSIL has been ordered to stop lending and they also got a huge
GFSIL has been ordered to stop lending and they also got a huge fine of 50 grand for their illegal tactics file complaints with the AG, the FTC and homeland security on them!
