I live in Colorado, and

First thing, could you tell us who you have your loans through, how much you have paid and how much you borrowed. It will be a start for us to help you get through this. Then start checking out the do it yourself section, it will show you letters you can send to these companies.

Then you need to contact the storefront lenders first, because they are licensed in your state and they can take you to court. So call them and tell them your situation and try and make payment arrangements with them. I would leave the internet ones to pay for last because 99% of them are not licensed. But you need to close your checking account so you will have money for your rent and car payment, because if you don't pay those you won't have a place to live or any way of getting to work. Check you laws on closing your checking account though before you do.

Close your bank account and open a new one at a different bank today otherwise you will lose all of your next pay check. Always pay your important bills first which include rent, utilities, car payment, food and any other secured debt you have. Pay unsecured credit cards next and pay the PDLs last. They will start harassing you over the phone but this is the only way to break the cycle. Worst case scenario they might eventually sue but if they ever do it will reset your interest rate back to a normal rate that is set by your state (usually around 10%)and it will not be 782.14%. Do not be afraid of any threats they make over the phone. You can not go to jail over this. Basically you are uncollectable and they know it so they will try to threaten you or scare you into paying them. Do not apply for new PDLs or new credit to cover this because it only makes the debt larger. Just let this stuff bounce and rot until you save up enough money to settle it.

Please listen to these people. Close your bank account BEFORE the next round of debits hit. There goes your entire paycheck again and you won't be able to pay your bills you need to live on. As dollars stated, pay your bills first, pay your secured debt second, the pdl's can sit on the back burner. You can post and tell us what pdl's you have and we can better help you. But your store front ones are more important than the internet ones. Store fronts are licensed and legal. You need to contact them ASAP and make payment arrangements so that you won't get into trouble. Don't try to hide from them, as they can take action against you since they're legal. The internet ones are more than likely not legal. Don't worry about them just yet. Please close that bank account before they hit it again. You need to pay your bills. That's the most important thing. Get your life back under control. Please post what pdl's you're dealing with and what you borrowed (principle only) and what you've paid them so far. We are all here to help you, so please feel free to post any questions!

Thanks for having such a great place to find a wealth of information from people who have been there and who are also going through the same thing. Just after reading some posts and the information given all over this place, I felt better & perhaps there is a way out of this mess I am in.
#1 - the info rec'd from the new info on state laws are a BIG help. However, after reading about Colorado's payday loan laws, it seems that
it would be hard to close the bank account due to this information included in the laws:
Lender can charge fees maximum $25 + Court Fees + reasonable Attorney????????s Fees (shall not cross total loan amount).
No criminal charges can be brought against the customer unless check returns due to account closure before the scheduled date of negotiation.
So I am confused about how & when to close the account at the bank, if the above should happen. I haven't been to the bank yet so find out their opinion. I bank at JP Morgan Chase.

#2 - Puddlejmpr - here's the info you requested:
1) Local storefont : Amt. Financed $350, 211.21%apr, Finance Charge $60.75 = due $410.75 (I pay once a month on this)
2) Local storefront (Check Into Cash) -Amt. Financed $350, 443.21% APR, Finance Charge $63.75 = due $413.75, (I pay this on the 15th & last day of month)
3)Local storefront (Mister Money-USA) - Amt. Financed $350,$443.21% APR, Finance Charge $63.75 = due $413, (I pay this on the 15th & last day)
4)One I am not sure of APR, done over the phone B.I.B, I borrowed $200, and have to pay back $280.
5) 500fastcash, Amount Financed $250.00, APR 782.14%, Finance Charge $75.00, due $325.00. I have made two $75 payments
6) Cash Net USA, Amount Financed $300, finance charge $60, I pay this on 15th & last day of month.

So there you have it. I hate even thinking about all of this. Not sure what to do first. You people are great! Thanks for everything!!!

Ok, what you are going to have to do is contact your storefronts, tell them your situation. You will probably have to have these checks go back NSF before they will work with you. But let them know this first. Then they can make payment arrangements with you. But I will tell you that most of them will want at least $100 or more per month. You may have a problem with Mister Money (unless they have changed) I had defaulted on one of their loans a couple of years ago, they wouldn't take payments, they wanted it all at once. So I told them that I needed to save up for it. Then they told me to bring in something to pawn, I told them to go to hell and either take my payments or I will set them aside and come in and pay you when I have it all saved up but now remember I am many states away and this was a couple of years ago, so they may have changed.

But call the storefronts asap. The sooner you inform them about this the better they will work with you. I wouldn't worry about the internet ones. Pay them last. But make sure you get caught up on your regular bills first. That is a MUST.

I would open up another checking account at a different bank NOW. If your checks are direct deposit then have it switched there. Then you won't have to worry about closing your account until all the storefronts put their checks through. Yes you will have extra fees for this. But then you can pay the bank the nsf fees and close the account. But it is better to do this than have no money after the payday loans taking out.

Please keep asking questions until you feel comfortable with what you are doing. I had 10 storefront loans and 10 internet loans out at the same time. And if it wasn't for this forum I would still be paying them. I have made arrangements with the store fronts and have most of them paid off now. Still working on some of the internet ones. Yes it does take time. But it also took you time to get into the situation you are in. So take your time and get informed and we will be here to support you all the way to being payday loan free :)

I'm no expert, but you can try contacting the store fronts BEFORE the due dates of your loans. I know the laws vary from state to state. However, if you explain your situation (you don't have to go into full detail) that you can not pay the loan amount off and need to work out payment arrangements, they may tell you that they have to turn the check in once and have it returned before they can make payment arrangements. If that's the case, you can try to "play the game" and suck all your money out of your account so that there's nothing there and the check will be returned. But then you run the risk of having the internet pdl's hit and cause your account to get ugly. If you can not close your account, you can put a hard debit block on it. A hard debit block will prevent any debits from hitting the account - ACH debits, paper checks, electronic checks, etc. However, your account will not be closed. It will still be an active open account, so the store fronts can't claim your account is closed. It would not be. But it would have a block on it. You can explain their check will not clear. If they press as to why (besides just saying you don't have the funds in the bank - you're broke)you can tell them the bank put a block on it because of fraudulent charges against your account (the pdl debits). If you feel more comfortable, just call your bank and ask them. If they can put a hard debit block on it due to unauthorized debits, go for it. The account is not considered closed. Like I said, I am no expert, but I am trying to keep you out of trouble. If your law states you could get into trouble if your account is CLOSED before your due date, then don't close it, but put a block on it. The check will be returned, if that's how they need to handle it. Some store fronts have to turn it in once and have it returned in order to make payment arrangements while other store fronts will go ahead and just make payment arrangement with you if you tell them you're unable to pay the loan. Like I said, if you feel more comfortable, contact your bank. But I personally feel calling the managers at the store fronts and explaining BEFORE your due date that the check will not clear and try setting up a payment plan with them would be a step in the right direction. They will tell you if they have to turn it in once and get it returned or they will tell you that you can go ahead and make payment arrangments without them turning it in. Best advice, communicate with the store fronts before the due date. They want their money back - period. So they may just work with you. Please post as to what's going on. And let me say again, I'm no expert! But I'm all for contacting the store fronts and seeing if they'll just work with you. You might find out that some of them are willing to do that.

puddle beat me to the post! :D And with excellent advice!

cannr........you're right, great advice from puddle and YOU too! I will have to print this stuff out, for my reference as to what I MUST do.... puddle was right...it took me a long time to get here, so I guess it's going to take awhile to get back.

3 more questions...how much does this changing banks, nsfs, etc., affect your credit rating? Not that mine is so hot, but the thought came to mind.
AND, will I be needing any of these letters yet?
AND, are the apr% okay, or have I been getting screwed?
I am going to sign out, I'm tired and have to get som needed sleep. I will check back tomorrow! Have a good nite everyone!

Also, read this thread:

http://www.debtconsolidationcare.com/paydayloan/close-account.html

It's got some other ideas for different holds your bank can do for your account to stop the pdl's. Since you do have storefronts it may be best to not close the account, at least wait until the checks have come back to the storefronts NSF.

The good news is that once you default you will be able to make arrangements with the storefronts to pay off your balance. You won't be paying the rollover fees every payday!

Changing banks doesn't affect your credit rating at all. Some banks pull credit reports to verify new accounts, but it is usually a soft pull, so it won't affect your score.

I would start sending the letters to the internet loans companies you have asap. You need to get the ones revoking authorization to debit your account and the wage assignments ones out immediatly.

Yeah, you are getting screwed with those apr's, but legally screwed. Colorado allows apr's up to 520%.

Also, I recommend you do a search for the companies you are dealing with on this site. That will give you a pretty good idea of what to expect once you default.

Thanks goudah! Everyone is giving me such excellent information!!!
RE: your info....where are the letters to send to the internet loan companies that I can send??
Are there templates somewhere?

So, let me get this right. I don't close the bank account but ask to put account into deposit only status. Is this correct? Then wait for storefronts to get NSF back and try to negotiate with them for payment arrangements? Right? Will that consitute fraud in Colorado. Reading some of the laws is somewhat confusing to me.


I have direct deposit, so maybe I should still open a second bank account at another bank or same? and then either way have my money deposited to new. Is this correct??

Then should I just let it all (both storefont & internet) go NSF??

Then I send out the letters to the internet loan companies or do I send out letters to internet before payment is due, before NSF or after?

I'm sorry, I not sure what order to do this and I am getting very anxious as my payments come due on the 31st and I work and I don't have alot of time here to work this out, I feel, before then. I can't think, read, go to banks, write letters, learn all this in such a short time.

I know this is lengthy and I have asked alot of questions, but this is so critical, I want to get it right so as not to create more problems for myself! I couldn't handle it!
Thanks folks!!!

I don't believe it would contsitute fraud, but the best advice I could give you would be to contact your state's banking dept first and ask them.

Yes, you want your account to be on deposit only, or a hard hold or some other freeze. The important thing is that NO debits at all can go through the account. An ach block wont work because it will only stop the internet companies. The storefronts have checks.

Open an account at another bank, and get your direct deposit switched to the new bank.

Let them go nsf.

I would send the letters now, and call the storefronts on the day you are due and let them know you will be nsf. Keep up communication with the storefronts, that is key.

There is a template letter for the internet companies at Polly's blog here, but there aren't really sample letters of the revokation stuff. But you just need to inculde the following:

I herby revoke any and all authorization I gave Company X to debit in any way any account I may be a signer on.

I herby revoke any and all wage assignments I may have signed with Company X.

Take goudah's advice. She is very knowledgeable. Reseach on this site the companies you're dealing with. And get those letters out to the pdl's ASAP. That way you're covered. Also, make sure you file complaints against the illegal internet companies. But first, get your bank account in order and those store fronts taken care of. Anything legal comes first.

Yes, your first priority is these storefronts, and Cash Net USA, as they are legally licensed to lend in CO. So you need to set up payment arrangements with them too.

So your other internet companies are 500 Fast Cash and what? BIB? I'm trying to see if they have licenses too . . . .

sandi, the one you stated you did over the phone - you said is B.I.B. Are you sure it's not BIG? And this was a "verbal agreement" for $200, correct? No loan documentation? I'm thinking it's BIG, but a new pdl by the name of B.I.B. could pop up and I wouldn't be surprised. Do you have any contact information on the one you did over the telephone?

Sorry it was B.I.G....no paperwork ont them...email i rec'd was big-int.com, phone #1-877-282-5450.

Okay, then BIG is not going to be licensed.

Sorry...it's B.I.G....it was over the phone. An email I received said big-int.com, phone #1-877-282-5450.

Okay. It's BIG. Very illegal. They sent you an email? That surprises me. I only got phone calls from the overseas illegal operations. Hmmm. Anyway, you need to file your complaints. Do NOT worry about them! Please rest assured that you're okay. You can go to the BBB site and see if they have any info on them. You can use the phone number they gave you and see if anything comes up. We need to get their contact information (address) so that you can start filing your complaints. I know they are a d/b/a. Is it Cash Today/Sonic/whoever??? Please help! BIG is part of who? Some one refresh me here!!!

Okay. I've got a website (which is nothing but phone numbers) but you can use it to file complaints.
BIG LTD.
big-int.com
Phone: 1-877-282-5450
Collections: 1-877-283-6730
Fax: 1-877-762-7350

Go to the BBB website and file a complaint, go to the FTC website and file a complaint and go the your state AG website an file a complaint. Be sure and tell them this was a VERBAL agreement. You have no loan documents.

Any questions, please post!

Oh. P.S. - Do not forget to include the amount of the loan and how much you paid on it. They will be extremely interested in that information.

B.I.G. is part of Interim Cash/GFSIL and I think Cash Today. They are not affiliated with the Sonic Cash/Payday Avenue bunch. B.I.G. is the worst. Definitely file a complaint with the FTC. Very important to do that.

Thanks, sass! Cash Today! That's who I had. I knew it was one of the d/b/a's that I had. Lordy. Let me look and see if I have an address. Isn't that the one on Terminal Drive in Reno?

Okay. Here is the information I have. You'll get a kick out of it. Anyway, here's the address for their US "drop box" before being shipped overseas:
1005 Terminal Way, Ste. 110
Reno, NV 89502
Here is the "contact information" that they gave the BBB on themselves:
His name was "Michael Michaels" (Oh, okay!)
Phone: 877-210-9423
email: csd(at)cash2day4u.com
They gave the BBB a first response saying they would review my account and get back with the BBB. Needless to say, never heard another word from them. The BBB had to tell me they never receieved any further contact. Imagine that? MICHAEL MICHAELS didn't contact them again. Surprise, surprise! LOL! :lol:

LMAO cannr!!!!

This is just to let all who have responded and have helped me in the last couple of days to feel MORE informed, confident and happier to KNOW there are other people in my situation and THAT THERE IS A WAY OUT!!!

I can't believe, but then again... nonetheless, was shocked to find out I was dealing with B.I.G who is ILLEGAL!! I will be filing those complaints with FTC,
BBB & AG very soon.
QUESTION re: this point....If I contact by any of the numbers that cannr provided and reach a live person, what do I tell THEM, seeing I know they are thieves.

Here's the latest on my progress:

Today, I canceled my Direct Deposit.
Got the letters I need for, revocations for ACH & Wage.
QUESTION re: this point.. Do I send all of the online and storefront ones or just the online ones.

Tomorrow, I am seeing the bank manager, getting a hard hold on my account and any options or their suggestions on Colorado laws, that will protect me.
Also,I will be calling the 3 storefront Managers and see what they say. My payments are due on the 31st.
If I have time I will also call CashNet and try to make arrangements with them.

Let me say this. I feel so much better THANKS to all the people that are SO informed and the many helpful info I have read from other posts and your links!

So how does all of this sound? Am I on the right track? I will definitely stay with this Forum until it's OVER! and then may continue on as some of you are doing..."been there, done that, and will never do it again" and help your neighbor in this superb Community!

sand, you were surprised that BIG is illegal? LOL! I'm sorry! But almost 100% of these internet pdl's are illegal! God love them all! Anyway, if you try to contact any of your internet pdl's, if you've overpaid them, I would state that. If you haven't paid the principle amount yet, I would state that. However, I personally wouldn't try to contact them via telephone. Just me personally. You can chose however you like to deal with them. I like everything in writing. You're sending out your pdl letters, so I would do just that. Not call and send out the letters. But, that's just me. Because if you SPEAK with these people, they will argue, lie, and go on and on and you have no documentation of this. Also, make sure you go to the bank and get that hold put on your account ASAP, as your pdl's will be "pending" soon. So get that taken care of. Also, contact your store fronts yourself. Call them and let them know what's going on. Since the store fronts are legal and licensed, you want to stay on the "right" side of them. Don't just send them a letter or something. Let them know you are not "hiding" from you debt with them. Call them, explain your situation (say whatever you want), and ask what the next steps are to be able to make payment arrangements. Please post with any other questions. And, if anyone disagrees with anything I said or has more opinion from experience, please post for sand. I don't want to misinform anyone!

Hey great people!
Today I talked to bank (Chase) and they said they do not do a hard hold or anything like that, only if there was proof of an account that was erroneously debiting my account. (Which by the way happened to me just recently, which didn't have anything to do with payday loans; it was another ripoff company that was charging me for a product that I purchased months ago!!)
Anyway, there was nothing the bank could do for me.
So I had stopped by direct deposit and I don't really have any other outstanding items, so basically there won't be enough money for any of the pdls to get any money. And, they made me feel, I was doing something illegal, as I explained the situation to them. But I figured I'd be covered by stopping the direct deposit.
However, the thought occurred to me, and I think mentioned by one of the members that this was okay to do; so my thought is, I know I have to contact the storefronts, which I am doing in a few minutes, so if they don't send in my check, then there is no fee; BUT if they do and it may take a week for them to come back, however, won't there be a large amount that I will be charged with for all the nsfs?? I have the 3 storefonts, Cash Net, 500fastcash & the illegal one, B.I.G.

Please answer soon on the above.
Plus, questions:
When I send out letters, 500FastCash & do I send the letter to B.I.G at the Reno addresss?

I want to type these up tonite and mail tomorrow.

Also, seeing Cash Net is legal, do I also send the Wage & ACH Revocation letters to them? Will it matter if they get them after the due date? Or should I send overnite ot something, maybe there are fax number??

Thanks, and someone please respond as I am pressured because they are due 7/31?

Blessing to all of you!

I'm confused. You have 3 store fronts. Okay. But the names are like internet pdl's. These are store front loans? BIG is an illegal internet pdl. I'm so confused! And 500FastCash? That's a store front? Please post so I can be clear!

here's the info you requested:
1) Local storefont : Amt. Financed $350, 211.21%apr, Finance Charge $60.75 = due $410.75 (I pay once a month on this)
2) Local storefront (Check Into Cash) -Amt. Financed $350, 443.21% APR, Finance Charge $63.75 = due $413.75, (I pay this on the 15th & last day of month)
3)Local storefront (Mister Money-USA) - Amt. Financed $350,$443.21% APR, Finance Charge $63.75 = due $413, (I pay this on the 15th & last day)
4)One I am not sure of APR, done over the phone B.I.B, I borrowed $200, and have to pay back $280.
5) 500fastcash, Amount Financed $250.00, APR 782.14%, Finance Charge $75.00, due $325.00. I have made two $75 payments
6) Cash Net USA, Amount Financed $300, finance charge $60, I pay this on 15th & last day of month.

And B.I.G. Ltd., which you guys told me was illegal.

I am calling the 3 local storefonts & CashNet
(internet). The ones that are legal.

But what about internet ones, B.I.G. that I have no paperwork at all.
And The 500Fast Cash .

Please respond, with this information, and my latest post that I just previous wrote.
Thank you again cannr. We've been in contact in the last 2-3 days and I'm glad you are around again, as you have been helpful.

Okay. I think I have it now. You listed your 3 store fronts first. Then you have CashNet, which is internet, however legal. Okay. Right? You need to contact the store fronts and CashNet. Your due date is the 31st. Okay. Right? Contact them BEFORE your due date. Tell them the account is screwed up, there is no money in there, and their checks are not going to clear. Ask them is there a way to set up payment arrangements. Some store fronts will tell you they have to send the check through the bank once to get it returned in order to make payment arrangements. Some store fronts will hold your check and you can make payments until it's paid. CashNet - I have no clue what they'll tell you. But you need to contact them BEFORE the due date. Hell, call on Monday. It's a day before. Call Friday the 27th, if you want. But just be up front with them since they're legal. See how the store fronts handle it. Whether it be them having it turn it in once or if they just hold it for you. Whichever, you can make payment arrangments with them. But be up front with them so you don't get into any trouble. And CashNet, too, since they're licensed. Check your state pdl law. It should say on there if they can only charge one NSF fee or whatever. I think my state says one NSF fee. So they'll tack that on what you owe. Your main concern is letting them know that so that they won't keep submitting your check to your bank and racking up NSF fees. But check your state law to see if it actually says on there how many times they can present the check. As for the 500FastCash and BIG, they can be put on hold - as long as they do NOT have access to your bank account and can NOT debit. Let me know if I'm correct on all this. I get confused! Your legal ones are the ones you need to worry about, not the illegal ones at this time. Your deadline is coming up, so contact them first, before they contact you.

Sandi, first off, Chase is lying to you about not being able to put a hard hold on your account! Who did you speak to, a teller? I would be persistent about this or you are going to have serious problems with your bank account. Ask to speak to a manager because they fed you a line of crap. Other than that, it really souns like you are moving in the right direction. cannr has given great advice-take care of the storefronts and Cashnet first. 500fastcash and BIG are on the backburner. I didn't go through and read every post in this thread but did you already open another account at a different bank? Good luck and let us know what happens!!

Hi cannr & sassnlucy!
Good news & questions still unanswered.

I have been trying to contact bank magr. and talked to another person in finance and that is what she told me. I will, however, try & call mgr. tomorrow...he's out alot!! I even left a message and he did not return my call.

SassnLucy, what did you mean when you stated that I would have a serious problem with my bank account?
I feel that because of the laws of Colorado, I cannot close the account, so I stopped my Direct Deposit , have $25 in the account, they go NSF, after after they all hit, then I just close the account.
When I get paid on my due dates, I pick up my check from work, and open another checking account at the Credit Union this time, rather than a bank.

Ok, now for ONE PIECE OF GOOD NEWS, without ANY problems. Out of the 3 storefronts, I was only able to talk to one of them; the other 2 will be in tomorrow and I will call them.
I called Mister Money, explained to them my financial hardship and my payment will be due on 7/31, and I wanted to pay what I owed, and would like to set up payment arrangements.
The very nice young lady, was very helpful in doing this, without anything negative whatsoever. She said they would have to submit it one time & when it returns, they would not try again. My schedule is 3 monthly payments at $146.25. I owed them $423.75, but they added on a $25 NSF fee.
So one out of the way! I CAN & WILL pay this without a problem.

QUESTIONS: Do I send ALL of the internet pdls the wage & debit letters???? Plus, the Do not call me at work letter??? Even B.I.G. and 500Fast Cash and CashNet (legal), who I will be calling tonite? or not them??
DOES Anyone have fax numbers to ANY OF THESE????
What is the BEST way to send, seeing payments are due on the 31st, Tuesday.????

I'm sorry to ask so many questions. But I want to do all this before the due date of 7/31!!

Many, many thanks!

sandi, it sounds like you have your bank account handled. I just didn't want you to leave all your money in it and have all these places take it all from you. I actually couldn't close my account because it was negative due to the pdls and it got charged off now I owe the bank which was ok with me, because I got my check deposited to another account too. I just hate to see you get all these NSF fees because the bank won't do a hard hold but hopefully you can get that taken care of. Great job on the storefront! I hope the other two are as cooperative!
I would go ahead and send those letters out. I have a fax number for 500fastcash I can give you tomorrow if nobody else posts it tonight. I personally sent mine through fax and email both and they all received them and responded. I didn't deal with B.I.G. though so I don't know if they respond but 500fastcash and Cashnet did. Don't apologize for asking questions. That is what we are here for :)

Sassnlucy...you're so nice!
Wow, just think, this paycheck, I can have MY money to MY bills..But at least I can have money again to pay them! instead of being in this trap and paying all this money. I hope & pray it all works out and nothing bad happens along the way....I feel more confident, but still carrying the "scared" feeling somewhat. ya know...

Ok, so you dealt with 500FastCash and Cash Net, did you call and explain to make the payments arrangements and did they? The after you called, you sent the letters, right? What letters, the Wage Revocation & ACH Revocation and perhaps, the "Quit Calling Me at Work" one, or???? Do they have to be separate letters or can it all be lumped together into one??

The one that is illegal (BIG Ltd), I am sure they will call, what do I say to THEM??
It was all done over the phone. I have no paperwork.
I can't remember who gave the address cannr or Goudah but the overseas operation uses the Reno address, is that where I should send these letters to????
After, I take care of all this immediate stuff, I am send the BBB, FTC & AG letters on this one. Should I write to them on 500Fast Cash?

I am about to call CashNet Now.
I WONDER how this will turn out?
I will keep you guys posted.

In case anyone wants the address & phone numbers:
CashNetUSA
P.O. Box 06230
Chicago, Il 60606

Customer Service : 1-866-327-9078
Collections: 1-888-801-9078
General Fax: 1-866-326-5865

I await any precious answers!

Okay, I don't have to call CashNet now, Payment isn't due until Aug.16...so I can take a breather on that for a bit.

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sandi, sass was just trying to make sure your bank account was covered. I think she was afraid that they would keep charging you NSF fees and put you in the negative and then you wouldn't be able to close your account. But, apparently, you have the "hold" on your account so no bank fees will be assessed. Cool. You're on the right road! Sass has dealt with 500FastCash. She can get you the contact info. on them. I haven't dealt with them. As far as BIG is concerned, use the Reno NV address I gave you. It won't matter, but use it. They are overseas. It's just a "front" for a US address. If you need the info. again, let me know. I've got it. And they will call you. Hang up on them. I'm not joking. Tell them not to call you anymore and hang up. They will get tired of it after awhile. Send the letters, all of them, or one big one including everything, to 500FastCash and BIG. They are the illegal ones. Revoke everything with them. CashNet is legal, so don't threaten them with anything. But you can send them something stating for them not to contact you via telephone at your place of employment or your home and to only contact you via email or USPS. That shouldn't be a problem. Just don't push the line with the legal ones. I'm glad you had a good experience with Mister Money. One less worry off your mind. The other two store fronts might also be willing to work with you. Don't be surprised if they also have to turn the check in once and have it returned. It kind of works in your favor. They don't get the money, so they work out a repayment plan. Like I said, if you need the Reno, NV info. again, let me know. And please do not be afraid to post any more questions. You're doing good. You're getting your stuff taken care of before the due dates. Just remember, you can put 500FastCash and BIG off for a bit. Just send them the letters. They'll ignore them, but send them anyway. Just make sure the legal ones are in order. Don't want anything nasty to happen to sandi! Post any questions or if you need more info!

Such nice comforting words--
More great info to add to my knowledge. It's like going to an online university! :D

No Holds at the bank....they said they couldn't do it unless there was illegal debits being taken out of my account. HOWEVER, it wasn't the Bank Mgr. who said that, he was out, so a lady who was also in the same dept. said they were not able to do any hard holds, deposits only....anyway, I decided once the nsfs go through and I pay them the fee, I am closing my bank account with them after 7 years. I am going to join a Credit Union.

And I have the address you gave me from the other posts for the BIG Ltd. one. Yeah, they BIG all right...BIG PHONEYS!! So I will just wait for their call and will happy to say, "don't call me anymore, please refer to my letter I have sent your company"! and hang up!!
This is all really very exciting! I can have my life back and have some money in my pocket! but can spread out the payments!!! I think I would have ended up insane the other day, if I didn't just happen onto this site!!!!!!!!!

sandi, I'm glad you're sounding so positive! That's the way to be! I'm really sorry your bank is being stupid though. I am just in awe over some of these banks. I'm so glad my bank wasn't like some of these others. They're so full of crap. I just hate that you are going to have to pay NSF fees. They can really add up. Just more money out of your pocket. It sucks. But at least you've got your other account going. And things are going your way so far. That's good. We'll wait to deal with the "ugly" internet ones next. LOL! BIG isn't even enough to actually worry about since they are so illegal. The other one, well, they might try to give you a hard way to go, but I can tell you're up for it! Keep us posted!

Should I just close the bank account immediately after the storefronts go through??? That way the nsf charges won't be so much, but I guess I have a snag, because Cash Net isn't due until 8/15....do you think I should call them now???

Well, if the illegal ones are ugly, HOW UGLY CAN THEY GET??? You mentioned not to worry about BIG, so is 500FastCash a huge pain???

As you see I am getting armed and I'm ready for the fight....but can only do it with this community help!!
Have a great night....I must get some sleep!! Check back in tomorrow.

sandi, personally, I would contact CashNet. Tell them the situation. Tell them your bank account is all screwed up (tell them whatever) and that you need to make payment arrangments. They certainly can't say you didn't contact them! LOL! You'd be calling WAY before the due date! But since they are legal, go ahead and try to work with them. If they agree to a payment plan, close that account out. But talk to them first. Did you tell the store fronts the checks won't clear? As for the internet ones, like I said, BIG is no "big deal". LOL! So illegal, but they will hound you to death by telephone. Just do what we discussed. Hang up. 500FastCash - I don't know. I haven't had to deal with that one. However, they are an illegal pdl. They'll try all sorts of tactics with you. It's not too ugly. They come full force in the beginning, but then they slowly fade into the background. Just expect phone calls. And maybe some threats. Illegal threats. And arguements. But you'll be right. But they'll argue. Lord! Love them all! Contact CashNet and see what you can do about them. Might as well get it over with. You have to do it sometime! See what they say. We just don't want your account to get hit with a bunch of NSF charges and you have to pay them all. That just sucks.

I only was able to contact one local storefront today; the other two locals, I will contact tomorrow, as the managers, that I know very well, by doing business with them for almost 2 years!! So hopefully they WILL work with me!!!
So the illegal ones are a pain....hmmmm....if they call so much, maybe I'll just change my phone number and IF they call me at work, seeing I am the one that answers the phone, I'll just hang up on them. Tell them I have contacted the AG's office, as I sent them a letter not to contact me except via email or USPS.
I CAN and WILL play the game with them. I always play fair and square, but I will show no respect with people who are doing things illegally and that are literally robbing people of their hard working money.
So that is where I leave off here tonite.
Again, cannr, thanks for all your advice.
Becoming a survivor of the pdl trap!!
8)

Sandi, thanks for the compliment; you are sweet. :) I never called any of these places. I emailed and faxed them letters. I don't trust any of them and refused to talk to them over the phone because I wanted anything they said to me to be in writing. 500fastcash never called me. They emailed me and accused of sending them a form letter as many of these places will and they also sent me a letter in the mail. I only owed them $20 in principle. They actually left me alone after a couple letters. I never heard from them again; however, it seems like this particular family of companies, MTE, has been really nasty to people lately. But at least they didn't harass me much.

As far as the letters, I lumped everything together into one. I would be glad to share the letter I sent with you if you need some ideas. It covered everything from revoking wage assignments, do not debit my account, do not call me, and do not call my work or my references, as well as I am reporting your a$$!!!! One letter will be sufficient, you might just have to send it a couple of times to get the point across.

As for B.I.G., I dealt with one of their dba's before coming to this site and I paid them a ton of money. From what I have seen on this forum, it is best to not even talk to them. Ignore them and they will eventually go away because they cannot be reasoned with.

Absolutely file those complaints, yes, even on 500fastcash. They need to be put out of business as well and there is power in numbers. We won't be heard if we don't complain.

Thanks for your offers to send the fax number for 500FastCash and also the all in one form letter. I would soooooooooooooo much appreciate them. I am going to work now, so I'll catch them later.
Thank you kindly and have a WONDERFUL DAY! :)

You have to be persistent with the bank - Print out some of the threads from this site and explain to them that these companies regularly with try to fraudualantly debit accounts.

The problem is that you are thinking 1 nsf fee each, no a huge deal. The internet companies are going to debit and debit, and then split the debits. They will do 20 $5 debits for a $100 payment. So that is 20 nsf fees. They aren't going to pay any attention to the revokaction letters, that is more so that you can have the bank reverse the mess they cause.

I would do a search on this site for Route 66. They are BIG. You will get an idea of what to expect from them . . . . They are the worst.

But keep your head up, there is light at the end of the tunnel! You will make it though, you've already got one of the storefronts set up, so you are off to a great start! Keep us updated!

To cannr, Goudah, SassnLucy and all the other help I've gotten....BECAUSE IT IS ALL WORKING FOR ME SO FAR!!!! BECAUSE OF YOU GUYS!!!!!!!!!!

Great news today!!!
I was persistent and FINALLY talked to my Bank Mgr., who knows me from 7 years being a customer; anyway...I explained my situation; he said yes they are familar with PDLs who are wiping people's bank accounts dry!!
He set up an appointment with me for Monday to sign a few forms. My checking account will be frozen to any fraudelent activity I tell them about; I am 100% protected. He said, of course, the legal ones that do come back, of course, I would be responsible to pay for nsf fees. I said...NO PROBLEM!!!!!!!!!!!
So this should be good as far as the bank and not getting slammed by a hundred gazillion dollars in NSF fees!!!

SECOND GOOD NEWS!!!
ALL THREE OF MY LOCAL STOREFONTS WILL ACCEPT MONTHLY PAYMENTS. One is over 3 months, another is over 6 months and the third will be discussed when I stop in. I guess because I have given them sooooooooooooo much business and know them so well, that this wasn't a problem!!!

WHAT A RELIEF!!!

So a BIG, HUGE THANKS to you guys for this great information in just a matter of days-----I FEEL ALIVE!!

TO ALL THE NEWCOMERS TO THIS SITE:

Read as much as you can regarding your situation,LISTEN, LISTEN, & follow directions by the people who are knowledgeable and have been in the same situation as you. They know ALOT!!! And will help you!
Don't give up!!!!
Pay attention to every last detail. Get yourself a notebook and write down everything, such as dates, phone numbers, people you talked to, etc. ANYTHING that pertains to your pursuit of FREEDOM FROM PDLs!!!
Gain your sanity, life and money again!! Just relax, take your time in learning and believe me, It WILL work out!
I just started to ask questions, starting on 7/23 joining this Community and heck today is the 27th and I FELL ALIVE AGAIN!! So I got to work things out in just 4 days! It's not complete yet...but 4 days ago I had not one idea what to do or where to go. So hang in there!!

:D

Oh my gosh, Sandi, I am SO happy for you!!! I am so glad that the storefronts are being so cooperative!! Not to mention your bank, WOW!!!!! I cannot tell you the smile I have on my face. I love it when people come here to get help and they have such good luck! This is so encouraging for others that come here and feel like they have no hope. I hope that you have a wonderful weekend now that you have less stress! Take care and please stick around!! Your experiences will be so helpful to others.

You bet your life I will stick around!! Because more people certainly will be coming and they will need help and I dislike con-artists and theives!!!!

Oh yeah, you mentioned me yesterday you would forward the fax number for 500Fast Cash and also the all-in-one letter. Would you have the time to do this sometime over the weekend? You are always so busy! But I am so happy you have been there for me!!

I will definitely be having a great weekend. Such a load off!!!
And may you also enjoy the weekend! And I will be in touch, as this isn't all over yet.
May sunshine always stay in your corner! :D

sandi, I'm am so happy for you! :D See? It just takes not being afraid anymore (and this forum helps people realize they do not have to be afraid) and confront these people (banks/store fronts/internet) and voice yourself! You've done an excellent job and have had excellent luck. You know, I'm really glad you posted. Because just knowing that we've helped you feel better and get control, is what it's all about. You keep posting if you have any questions or need anything else. I'm very proud of you, sandi.

Woo hoo!!! I'm so glad everything is working out so far . . . . It really can pay to be persistent with your bank. They can help you, you just have to find the right person.

Keep us updated, and if you have any questions along the way, please ask!

The internet ones are may be difficult to "deal" with, so stay strong, and use the confidence you have right now to really stick your ground with the internet companies.

We are all here for you! You are doing an awesome job!

:?
Well, this weekend was productive and I felt somewhat better, until last night and today...."they" are making me feel paranoid again!
I got my bank situation taken care, they froze the account. I will open another later.

However, when I faxed both BIG & 500FastCash last night, the elongated letter with all revocations, etc. and that I will accept email and USPS communications only... and gues what??? BIG called within a couple hours. Now mind you, they aren't due until 8/15!!!
I sent them an email and repeated the request that only communications will be through email or USPS.

BIG left a message to call them so we could settle. Then another message this morning at 6:00AM !!!! And another,at work, left another message at 6:04AM (of course, I wasn't there!!)...then two messages today at home. Then tonite so far, 3 times within 10 minutes.
I added caller id, so at least I know who is calling.
It was an 800#. I didn't write it down, but I will next time, but did record the times.

Now, here is the question. Because, the letter stated to them, that they do NOT have a license to lend in Colorado nor in the US, etc., etc., SHOULD I PAY THEM ANYTHING?? or just the $200, which I don't have, because I am broke because of the mess I got into. I did receive $200 from them and they want $280. I know you guys told me time and time again, they are not legal and are overseas. So, give me some ideas as what to do with them. Oh yeah, I also sent via USPS the same letter I faxed to them.

Secondly, I sent the same letter to the other illegal 500FastCash and had no response YET! The got me the day before pay day and got the $75 which made my small amount go nsf, but the bank said they wouldn't charge me. But on their loan, which totaled, $325, and I rolled it and they took $75 three times including the one today, so I technically owe them $100.
And because they are illegal, do I pay them anything more??

By everything I've read from other people regarding these two companies, they eventually go away, but I don't want to cause myself any further stress about money, as that what I keep doing everyday. And they are illegal and stealing people hardworking money and getting away with it. Their time will come when they will get caught.

However, in a way, I feel like I should maybe arrange to pay them perhaps what they gave me.
So please give me some feedback.

Thanks for any advice and it's been super so far.