I need help

Good! I just wanted to make sure you didn't leave anyone out! I guess it's just time to sit back and wait and pray to goodness someone gets a response from them! Keep us posted! :wink:

hey, if nothing else I'll have Guido go out and break some kneecaps or at the least their phone dialing fingers...

talked to bank of america and they can't put a hard block on ach debits, they state that I can put in a stop pymt but they will need name of company, an exact amount and when this amount is to be debited...any suggestions ?

Dee, Did you actually go in and talk to the branch manager.They should be able to do it for you. A stop will not really work. when the PDL sees that a stop was put on they will either change the amount or use a different name. Also if they see that you put a stop on the original ach they will debit the full amount that they think you owe.
Cannr , any suggestions for Dee.
Dee I am going to get Cannr, she is great at this stuff

I've heard good and bad stories regarding Bank of America. There is no reason they can't put a total hard debit block on the account. You need to tell them that this is an illegal company doing unauthorized debits on your account. You can not just put a "stop payment" on them. They will not use their name. They will use another name. They will change the amount of the debit. They will change the dates of the debit. They will try to hit your account every day, six times a day, etc. A stop payment is not going to work. Did you go into the branch that you opened the account? You need to go to the branch where you opened the account, speak only to the branch manager (not a teller) and explain the situation. They probably don't realize how sneaky illegal companies are. They need to know that this company will change names, change debit amounts, and change dates. Also, an ACH debit block alone may not work. Many pdl, once they figure out they can not debit via ACH, will put through an electronic check. Your account needs to have a hard debit block on it so that NOTHING goes through.

Unbelievable, I did go see the branch manager and his response was they could not put an ach hold on my account unless it was fraud. I gave him a short background that there is unauthorized ach debits on my account, he stated that if they have my acct info than apparently I initially auth debits. any suggestions now ? I guess the next step would be to fax each company a revoke to debit ach letter ? oh, and I received an email from the FTC and they are also investigating

yep, just me again, I guess it logs me out if I don't post anything in a certain time frame

Get those revocation letters out. Then go back to the bbank and say I revoked them they are unauthorized. Call the corporate office if you have no luck.

got a question, if there is a way to change the contact info on a IPDL account should it be done or should it just be left alone.

Just leave it alone. You dont want to go back into their web sites. If they contact yo just dont take the calls. Did you send out your cease and desist letters. I am pretty sure that I remember that you did

I honestly can't tell you what is right, but on one of mine I could and went in and deleted my work number and my references phone numbers. Now whether that was right or not I don't know. Unfortunately that was one that I was able to set up payment arrangements with so they aren't harrassing me.

yes

Dee, I cant believe how you really took all our advice ,and you are doing so wonderfully. It is a pleasure to have you as a member of our community.

yeah, now if I can just get those butts at the bank to cooperate, oh well, I do know that the other account that I opened (with a totally new bank ) by the way, not telling...is almost ready to go, all I need to do now is go to the branch and get my acct info so that I can get my direct deposit setup at the new bank

hey guys, I just received this email regarding a quick message, is it legit, it states it comes from community(at)debtconsolidation.com

Email fsmfarms(at)fidnet.com If you are interested. sarah
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fsmfarms
fsmfarms I live in MO and work for a lady that assists w/upping your score. She is low cost 149.00, extra months 49.00. Past 6 months it is free. She will tell you if she can help or not. she is honest. sarah
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It just states that some one sent you a message. Click on your pare on the right side of the screen and you will see the message.

It is not legit!!!!...Our community email address is debtconsolidationcare.com

great catch Volley. I didnt even notice that. I am sleeping at the wheel today it seems

Dean the message you got alerting you to having a quick message was valid. The information that is in your quick message may or may not be valid. You would have to research it.

Thanks, I didn't think it looked up to par for you guys, I'll just keep putting it in my spam bucket and eventually my email will just do it on it's own..

are you sure it said .com, not .care.

by the way, the names deeann, and their are no messages indicated on the right of my screen, I am going along with volleyballmom that it's not legit, what could it hurt if it was legit, I am NOT going to pay someone to clear up my credit when I can very well do it myself with a little hard work.

yes, it said .com, no care.com

Dean when you get a quick message alert from this site it should look like this: community(at)debtconsolidationcare.com

Even the text of the message is leery...poor grammar and the fact that it didnt come from a name of a person.

Its someone trying to sell you a service (scam) to up your credit score.

Here we never advocate any type of advertisment at all...so that would be a cluse...also no one can correct your credit score for you any differently than you can do yourself. And it's better and safer to do yourself than to ever give that info out to someone you don't know. All these places that offer to fix your credit rating/score for money are totally bogus!!!!

Boy DeeAnn, you got the right attitude.If it doesn't look right ignore it. Again, I can't tell you how well you are doing. Soon all of this pdl mess will be behind you.But please dont stop there. I can tell that you will be an asset to our community.

The problem is someone sent her this information in a quick message. The message itself is questionable, but the alert that she had a quick message is not. She is thinking the alert itself is questionable. Deean, you need to go to your homepage and delete the information from there.

I am sorry that I caused such an uproar over an email that I received, I did just go back and look at the deleted email and it did say care.com, still doesn't sit right w/ me though. I guess I am getting to the point where i question everything, well gosh darnit, why didn't I think about that awhile back...my bad

DOn't be sorry. We are just trying to help. The system is set up that it automatically emails you when someone leaves you a quick message. It is up to you whether to leave the message on your page or delete it.

You should question everything. Do not apologize for it. Me I am the most paranoid .

deeann, I would also really suggest visiting a different Bank of America branch.

My account was in the positive prior to closing my account, so the in-branch customer service representative and I accounted for anything that was pending, left only the amount that was pending in the account and once those things cleared overnight Tuesday, the account automatically closed because it was at $0. Today was the default day and if the account didn't remain closed with their attempted ACHs today, the account would have shown up in my online banking, so I have to assume that it will be ok.

Like you, I was told on the phone by a representative that it was impossible to put a hard block on the account. Obviously, they were wrong.

Try a different branch, this time, emphasizing that these illegal companies are fraudulently attempting to take money out of your account and that you need the account frozen and closed as soon as possible, because it's the truth! An e-signature can be contested and these companies are illegal!

It is great that you posted it!! :D

I went into the my page and unselected the quick message tab, I tried to delete the 2 messages but am given an error

You can't even access that person. Weird.

to the previous post, if I have the account closed prior to these ach debits in the state of Mo, I could possibly get in deeper trouble.

deeann, you need to either pm Mike or send him an email asking him to look at your home page. Mike can fix it to where you are able to delete messages off of it. :D

Trust Cannr to think of the obvious.

deeann:

According to what kashzan posted at the beginning of the thread, criminal action is prohibited in regards to payday loans. Yes, they will probably start calling and bothering you when they try to get the funds from the account, but you're not going to jail or anything silly like that. :)


Missouri State Information

Legal Status: Legal

Citation:
Mo. Stat. Ann. ???? 408.500 et seq.; Mo. Code Regs. Ann. Tit. 4 ???? 140-11.010 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 14-31 days
Maximum Finance Rate and Fees: Not Specified (No borrower shall be required to pay a total amount of accumulated interest and fees in excess of 75% of the initial loan amount on any single authorized loan for the entire loan term and all authorized renewals. Otherwise, interest is set pursuant to small loan law which provides that parties may set rate by contract.)
Finance Charge for 14-day $100 loan: $75
apr for 14-day $100 loan: 1980%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: Six (borrower must reduce principal amount of loan by 5% or more upon each renewal)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: NSF fee; Collection costs (including court costs and reasonable attorney's fees) Licensee cannot use a series of ACH transactions to collect a single check.
Criminal Action: Prohibited (Unless check returned due to closed account or stop-payment by maker)

Where to Complain, Get Information:
Regulator: Missouri Division of Finance
Address: Consumer Credit Section, P. O. Box 716 301 W. High Street Jefferson City MO 65102
Phone: (573) 751-3242
Fax: (573) 751-9192
Regulatory Contact: Joe Crider,, Supervisor, Consumer Credit
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link

Online Resources:
Unsecured Loans of $500 or Less: Introduction and Overview

EDIT:

Whoops, I just noticed the stipulation behind prohibited... hmm...

but if you look towards the bottom, it does state that criminal action can occur if bank account closed due to request from maker (me)

Could you use the fraud angle at a different BofA branch? Explain that a highly illegal company with illegal business practices has compromised that account and that you need it frozen immediately pending investigation?

dee, I just read through the posts. You have only the one storefront pdl, correct? And you did contact them regarding making payments, correct? Are they going to "hold" the check there until it's paid in full and then give you the check back? If they turn it in to the bank and it is returned due to closed account, then they can probably do "something" since it's stated on the law. Just be sure the storefront holds that check and does not turn it in to the bank.

cannr, as far as the store front company, it is a title loan company, i don't remember if they have a check that they are holding, I normally take a money order once a month to them, they don't accept checks as payment. I have to pay them or they take my precious 163xxx mile mini van (hey, maybe that's not a bad idea) oh well, the kids would miss it. Actually ever since I got hooked up with this forum and thank God developed a back bone, I did some soul searching and decided I have paid them enough over the last 22 months @ 200.00 per month for a $1000.00 loan and have now sent complaints to BBB and MO AG ( let me at 'em )

dee, you should be fine then. I was thinking you had a check out at a storefront and they might turn it in. If it's a title company that you're dealing with, they won't have a check from you. You're paying with money orders. God love them. They're bloodsuckers, too. They used to have title loans in my state (not too long ago) but they decided to make them illegal. No more here. Now... if they would close the pdl places! :wink:

so, should I close the other bank account ? knowing that the only thing pending would be ach transactions ?

If all you have are the internet pdls, close it. You have been assured it won't be forced back open if you close it, right? You have no outstanding checks out? If you have no outstanding checks out with that account, close it. Just be sure it won't be forced back open due to pending pdl debits.

cannr, just got an email from the BBB regarding the Title loan company and they needed to get more info on this issue, loan taken 4/17/06 orig amnt 897.57 if paid off today 10/19/07 still owe 834.30..keep your fingers crossed they can do something...yipppeeee

dee, I've got my fingers crossed! Maybe someone will be able to help you! This loan has been carried over for so long. Keep us posted! :wink:

I was rereading the MO law on payday loans that they can not be rolled over more than 6? times, I wonder if this is considered a payday loan ?