Unable to contact the pdl companies and ge them paid off

Rollin, welcome to the forum. Based on your statement I am assuming these are internet laons? If they are storefront,there is a difference in how you deal with them. I see you told us what state you live in. Here are the laws for your state and a resource web site...

Quote:

Rollin, you also might want to register and stick around awhile. It is free and the people here are great. I know the thought of closing your checking account stinks but a word of advice...they will not stop debiting you until you do. You do need to read that link becuase in some states you can get in more trouble if you do. I procrastinated for three weeks and it cost me about 1200.00. (I had seven loans)..Anyway if you need anything just ask.

Hi Rollin. Have you tried emailing them. Also, closing your checking account is your best bet. Stop them from getting anymore of your money. You have more than paid them.

Rollin, sometimes it takes a bit....hang in there.

WAIT! STOP! This guests state PROHIBITS pdl's! None. Period. No store front. No internet. Nothing. Prohibited! Guest, you need to close your bank account ASAP to prevent these pdl's from debiting your account any further. Your state prohibits any pdl's. Any money you have paid them should only have gone to the principle amount. Nothing more. Actually, they shouldn't even be lending to residents in your state. Illegal! Please, read the "sticky" at the top of this site page regarding closing your account. You need to do this ASAP. Be very careful regarding closing your account. If you have ANY questions after reading that, post and we can help you. Do not pay them another dime! You have overpaid illegal companies. Please post with any questions. Please.

Take Cannr's advice. DO NOT PAY THEM ANOTHER CENT. :twisted: From the amounts that you posted that you paid you have overpaid them.
:twisted:

ladybug

I went to my bank today - (BofA) they connected me to the fraud department. I was instructed to close the account and reopen another one. They assured me they would not charge me if/when the PDL companies attempt to withdrawl money on the account I will be closing. I had to listen to a lecture about how dumb it was for me to have allowed them access like that. But that was worth knowing they would help me and understood what I needed to do to stop this the proper way.

Thanks to everyone who responded - you have really been a blessing to me. I registered for the site - but havent received my password reset yet! I cant wait to get on here as a memember so maybe I can offer assistance also.

Again - thank you all!

Rollin!

Rollin...did you set up an account at the same bank..if so you need to be sureto get in writing if possible that the accounts will in no way be linked. There are several posts regarding B of A and they can be difficult.

Well welcome and I am sure that you will have plenty of advice to give.
8)
ladybug

removed by goudah

I have not reset up another account yet as I have two transactions that need to post. They said by Tuesday I can do that. They assured me they would not be linked. I will get it in writing though as you said. Good idea. I am just so happy to stop these slugs. I have also filed NC Atty General complaints on each of them. As I am sure I will be getting a call when they attempt to debit my account on my next pay day.

Since you have not set up another account yet, what about going to a completely different bank and starting over...that is usually what is advised by most of the members. That way you can ensure the accounts won't be linked. I have to say I did not and I check every day to be sure everything is as it should be. I do have it in writing but have become very paranoid.

True - but it's easier to pay my support to my ex via that bank and so on. I dont want to have to change if I dont have too.What a dumb ass I am to have done this to begin with. I am still trying to find the laws showing this is illegal in NC so when they start calling me

OOOOhh. Got it. Well just be sure get it in writing the new account will not be linked with the old. And if you are a dumb a## then the rest of us are because we have done it too. I prefer to think of it a temporary insanty..if it works for ax murderers then it can work for us. Did no one post NC laws for you..you can find them at paydayinfo.org and then click on your state, they will come up.

thanks Roxy! You're the best!

You are most welcome!!

Ok - now that I have set to close my account on Tuesday and sent off my NC AG complaint letters, do I need to draft a letter to send to these people once the realize my account is closed?

I saw there are sample letters at the top but non of them pertain to IPDL companies.

Also - am I able to request a refund for everything I paid above the loan amount and the loan fee?

Just wondering so I am ready for the next w

Yes, you will need to draft a letter to the pdl's. I know Cannr has a really good one, so you may want to PM her and ask her for a copy.

I would try for refunds. Since pdl's are illegal in your state anything you paid over the principle amount is technically owed back to you. But - Refunds can be hard to get. I don't want you to get your hopes up that you will be refunded a ton of money. They way I look at it is refunds should be the goal, but a PIF may be worth considering. There are some companies that are good about refunds, and others that you will end up fighting for the rest of your life if you won't settle for anything less.

Did I read that you have a cash call loan? If so, please read this sticky:

http://www.debtconsolidationcare.com/paydayloan/cashcall-info.html

I have one with TJF Inc and one that lists it's name as ASP - I am not sure what Cash Call is.

Good! Thank god! I was confusing you with someone else . . . .

Man - dont scare me like that. I about did the poopy dance!

Sorry! :oops:

Has anyone heard of ASAP Payday Loans? I also saw a number for TJF INC - should call them and try to get them to stop debiting me before I close the account?

I have heard them mentioned on this site before . . . . Have you done a search for them here yet?

I don't know how accurate this info is, but I found this on the forum:

Asap Loan Docs Inc-Mobile
2114 20th St.
Bakersfield, CA 93301

I truly dont care about the refunds - just want them to stop taking money since I have more than paid them back. In one case almost double what I borrowed.

Just take care of your bank account, and they will not be able to get another cent out of you! You have paid them plenty for their illegal loans.

dave, your state pdl law is posted above. Just go up a few posts and you will see it posted for you. I sent you a pm regarding a letter. Please check your messages and respond to my pm. :D

I still cant locate the first one I had that shows "ASAP" on my bank statement. I found the number for TJF and I am going to try to contact them on Monday to see if they will handle this without having to get nasty. Wish me luck.

Dave, did you try asking the bank who is debited your account uder ASAP and did they have a phone number. I had a mystery debit, which I knew was a PDL but did not know which company and that is how I found it. I would also try googling the address Goudah provided.

dave, post as to if you received my pm's. And if you have any questions, just let me know! :D

dave, I sent you 2 more pm's with info. you need. Let me know if you received them. :D

Yes I got them. Sorry I had to work a long day yesterday. Very very much appreciated!

dave, if you need anything at all, just post! We can help you further! :D