how do i get out of this mess?

what company was this? how much have you paid on it?

vip cash club

i had so many loans coming out of my account, half of them i didn't even know i applied for, so the bank made my account deposit only. i contacted all companies trying to make payment arrangements, but they will not let me. so what else can i do?

No they can not and they will not. The reason they do that is to black mail you into paying. GFSIL and its related companies are notorious for doing this crap so without you actually posting the company name I am guessing it is one of theirs. I would not pay this company another dime especially if it is GFSIL. Report the company that did this to you to the BBB, the Maryland AG, the California AG, both states office of finance, the FTC, the FCC and any other agency you can think of. It would also be helpful if you posted the amount you borrowed and the total amount you paid back so far. This will allow someone on the boards to determine if you paid what you owe according to your state law.

No, they are just trying to scare you. They tried to tell me the same thing. But just because someone verified employment does not make them responsible for the debt! Follow Dollarsandsince's advice . . . . . PDL's are prohibited in MD, so filing those complaints could really help.

Dang you guys are quick. If you could make a list and post it of each company, the amount you borrowed, the date you borrowed, the number of times the loan has gone through roll over and the total amount you paid to each. We need to compare this to your state laws regulating what they can legally collect.

i guess my problem is that i do owe these people money, i just can't pay it all at once. i have loand through oneclick cash, payday loans, mte financial, vip cash club, and a few more that i can not think of right now. so once i find all of the info, all i need to do is contact everyone? or should i just let it be since pdls are prohibited in maryland? how do i get them to leave my boss alone?

i apologize. i am new to this site and i just noticed i am using two different names. kareng_69 and karenrbk are the same person. sorry folks. i guess i need to get used to this site

I posted this for you on another thread. did you post more than once?
First you need to send cease and desist letters to these people, asking them to contact you only via mail. Explain to your boss that these are illegal companies trying to take your money. They can not and will no be able to take him or you to court, These are idle threats made to scare you into paying .There is really nothing they can do except harass you.Your boss will have to understand this. He is not responsible for your debts.You need to read the thread above regarding closing your checking account and opening a new one, so the debits will stop.
Please gather all the requested info, so we can better help you.

Hehe. It looks like Goudah has the state law part covered. File the complaints and make darn sure your bank account is locked up so they can not ACH it. I would recommend getting a new account at an unrelated bank and using it for any future transactions. Do not use it for any PDL????????s or it will start the cycle again and you risk one of the old companies figuring out the account number.

Once you file all your complaints, send cease and desist letters and send copies of the complaints to each company they tend to back off and either settle or give up all together. If PDL's are illegal in Maryland then you legally owe nothing. These companies have two options to get money from you. First, they can call and harass you into paying which is not legal. Second, they could try to sue but the suit would be in Maryland and they would lose since the loan was made illegally. If you feel a moral obligation to pay them I would pay the principal only on your terms after you pay all essential bills associated with food, transportation and shelter.

thanx to everyone for the help and advice. i will send out letters to everyone this evening. i know there are about 8 or 9 of them. what a mess i got myself into! sorry for the diplicute posts, i got a little confused, and scared, thinking i was not posting correctly. i am so glad i found your site. i will follow all advice given, because i want this mess to go away.

Karen, Its ok. The main thing is taht yiu did find us. You are not alone in this we are all here to help you. We have all been there and we do know how you feel. Keep asking what ever questions you may have. There will always be someone around to help you

Here's some info regarding MD law:



Your bank account is closed, right?

If you have enough money then send your letters certified mail return receipt requested. I think it cost $4-5 each.

I too had already posted a response for you on another thread that you started.

This will be the main thread for Karen. All the other threads for her have been locked so that all the responses go here from now on.

goudah, karen's bank account is on deposit only status. :D

good morning to everyone. just signed back on. i called the company vip cash club yesterday, they are the ones who threatened my boss. i asked if they were fdic, and her response was "sure we are". so when i asked if i could have the number, she asked who i was. i told her i was just trying to get some information on the company, and she hung up on me. i think it is actually a collection agency that vip sent my account to. but i cannot locate any information on them. i did talk to a couple of attorneys yesterday, and they said that they cannot bring my boss into this. but i am pretty sure this one is not a payday loan. somehow when i applied for the pdls, they responded. they did deposit 300.00 into my account, but they said it was a rebate for purchasing their services. once i cancelled the services, they said i needed to refund the money. so i'm not sure how to handle this one. they still seem like a pdl to me. at least they are acting the very same way that the pdls are. anyone ever heard of them?

Karen is this the company that wanted you to buy phone cards?

this is the company that threatened to serve my boss a summons to appear in court in california

why are my messages not appearing anymore

Your message is showing up here, is that what you are talking about?

Karen, which messages? Goudah did lock your other posts and designated a main thread so we would not get confused trying to help you if this is what you are asking. You still can find them if you go down the page and look for your name under Author...VIP Cash club is the company who called your boss? What kind of services did you purchase? Roxy

i guess it is suppossed to be like one of those road side assistance services or something. i'm not sure. all i know is that i applied for a pdl, and these people called me. there were very pushy about sending me the money, called several times a day until i finally listened to them. they said they would deposit 300.00 in my account within 24 hours, and that i would pay 90.00 every two weeks. i honestly thought it was a pdl, as soon as i discovered that it wasn't, i cancelled the services. they even acted the same way as pdl, calling my bank to verify my account, all the same as the pdls that i applied for

Karen,I would say it was a pdl...there are several that offer services to disguise what they really are..so to speak. That is why Kash was asking about the phone card. They certainly are acting like a pdl. I searched this site for other threads on them and there are a couple. One mentioned VIP as a scam company. If you want to look them up, use the search box in the top right corner of the page..just type in VIP Cash club and you will get the threads. Roxy

so i got this email today, anybody heard of them?

Smith Haynes & Watson

September 12 2007



Dear Customer:



I have tried several times to reach you by telephone with no results please contact me at 1-866-489-0979 ext 245 I am being asked to render a decision that affects you directly. I would need your intentions on this matter a.s.a.p. This is a very important matter that needs your immediate attention



Sincerely Shirley Shaw

1-866-489-0979 ext 245

Smith Haynes & Watson



This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. Please note that any views or opinions presented in this email are solely those of the author and ;do not necessarily represent those of the company. Finally, the recipient should check this email and any attachments for the presence of viruses. The company accepts no liability for any damage caused by any virus transmitted by this email.

Guest, you may want to look at this...there is info reagarding this company on the last post to the thread...
www.debtconsolidationcare.com/getting-loan/about21735.html

i cannot locate it

Karen are you also guest? Did you click on the link?

ok never mind, i found it. i responded to their email telling them that whatever they needed to discuss with me would have to be done by email only.

i always forget to type in my name first. sorry for my lack of knowledge here. i will catch on soon.

Karen, anytime you want to know about a company or an issue, you can use the search box in the top right corner of the page. It is great..you can see any threads realting to what you want to know.

Roxy

thanx so much roxy. as soon as i sent them the email, they tried calling my cell phone. i guess they didn't get what i was trying to say. i have no problem paying these people whatever they say i have left to pay, even though i have been told that internet pdls are prohibited in the state of maryland, but they will have to do it on my terms, through the mail, on a payment plan, not through any bank accounts or western union. i know i got myself into this mess, i got caught at a very vulnerable moment, in the mist of a separation from my husband, and very worried about how the bills were going to get paid. but i will no longer be a victim. they will have to accept payments on my terms, or they will have to take me to court

Karen, we have all been there. I paid bills for my parents while my dad was sick...You are doing great. This is overwhelming and confusing and aggrevating. It maynot be that they did not get what you were trying to say rather, they are going to do what they want. Just be firm and consistent. Make every attempt to keep all communication in writing...documentation, documentation. - Roxy

i just sent them an email with a copy of the maryland state laws containing pdls, and told them they can send me a copy of the amount to the loan that they think is still owed, and then we would discuss what i will be willing to pay. so....i guess i'll just have to wait for a response.

Karen, good job. Did you register with the forum? I though I saw where you did in one of your other threads. Keep us posted on your progress. Roxy

i certainly will. you all have lifted me out of a worrisome depression and givin me some hope. i did register, but forgot my password. i am waiting for a new one to be sent. i still have like 7 more loans to go, and waiting to figure out what to do about the vip cash club thing. i don't have an email for them, but i will continue to try and locate one.

so i just opened my mail, and i got a collection letter from national credit adjusters, saying they purchased my account from quickest cash advance. anybody ever heard of nca?

o.k. so i just located national credit adjusters in the search on this forum. anybody have any advice about how to deal with them? however, there is a mailing address that came with the collection letter they sent me, so i do believe that no matter how small the payment that i send them, once they start accepting payments, they can't do anything to me, right?

KAren, Good job doing the research. I was looking them up too. We are getting into uncharted territory for me. So I will defer to those with way more experience than I. Someone will be along soon to help you with what to do next. Hang in there, you will get through this. - Roxy

i need some info. anybody have email addresses for quickest cash advance, mte financial, vip cash club, any of those?

Karen, you can search the addresses in the search area too...Just type in MTE financial address and the threads where it is listed will come up and you can copy it from there. Most people will post them for you but I know you are trying to stay busy and keep your mind off of things. Roxy

If quickest-cash-advance has sent you to collections, do not be alarmed. Quickest-Cash-Advance is unlicensed/illegal in the United States. Same goes for MTE Financial. Quickest-Cash-Advance is a d/b/a of MTE Financial. Unlicensed/illegal. Period. So their collection agency will be unlicensed/illegal. Tell them to bite you.

ok so from what i can see i owe these ipdls, i'm sure there are a few more, but i cannot locate them at this time.

vip : borrowed 300 paid 180
oneclick: borrowed 250 paid 150
united cash borrowed 250 paid 150
mte financial borrowed 300 paid 180

does anyone know if any of these places are legal to lend in the state of maryland?

karen, none of these guys are licensed - period. They are unlicensed/illegal.

so what do i do, set up payment arrangements, or just leave it alone?

karen, you're sending out letters to your pdl's, right? I don't think you have yet. Your state prohibits pdl's. These guys are unlicensed/illegal.You can send your letters stating you will only pay the principle amount of the loan. Nothing more. However, I do have to inform you that you can LEGALLY not pay them a dime. They have no legal recourse to collect on an illegal debt. However, the majority of people pay just the principle amount of the loan only because they received the funds and feel the need to pay it back. It's your decision. You can put in your letter that you will pay the principle amount only & of course they can only get payment from you via money order since they can't get your bank account any longer. Or you can chose to send a letter basically stating they are unlicensed/illegal and pdl's are illegal in your state and they can "bite you". LOL! :lol: Just kidding! Actually, it's up to you. Like I said, your bank account is no longer accessible to them. You can pay on your terms your own way. However, the majority of pld's will refuse to give you a physical address to mail payment to. They will insist on money gram/western union. I personally will not do this. I personally feel as though if they can not give me a physical address to send payment to, then they do not want their money back bad enough. Let me also inform you that no matter what you do - whether it be pay the principle amount back or pay nothing at all - they are not going to be happy. They are going to insist you owe $1000 on a $200 loan. It's entirely up to you how you want to handle it since they are unlicensed/illegal and pdl's are prohibited in your state. Sorry I rambled so much.

thank u so much for all the info. bottom line, if they do not give me a physical address, i will not send them any money. i stated that in the letters i sent them. it is up to them. i also sent each of them a copy of maryland state law in my email. i still need email addresses for vip cash club and payday loans. i think they are the only two that i have left.

thanx so much for all the help you have given me. i already told them i will make no payments through western union. so if they do not give me a physical address, they will not get paid. i also sent them all a copy of maryland state law. i still need email addresses for vip cash club and pay day loans.