305-800-1000 - this number of ACH trying to minimize irregularities of payday lenders?

If you mean BIG ACH, then they are not licensed anywhere and are based in the UK. They have no legal recourse for the loan that they gave you.They will call you a hundred times but that is about it. You really only owe them the original $200 that you borrowed and you have already paid back $70.00 of that. I am sure that many more people will get on here to help you out.

jaydanielle, on the ach loans is it B.I.G ? please let me know

you mean to tell me that ACH is the same as BIG Ltd??? WOw I had a loan with BIG that I never finished paying, because I had already overpaid them!!

Wow, I wonder how many names do they have, they called me from a 305 number, and they dont seem to have a fax number

Has anyone had any success with them??

ACH? Is this a new one BIG is using?

if it was a 305 number than I really doubt it was BIG...what was the number that called you, if you still happen to have it

the number is 305-800-1000

and the website is achloan.com

i dont think that that is BIG

Called the phone number. Not a good number. Looked up the name under BBB. Nothing. :?

Probably not, mine was called BIG ACH when it came out from my account. I have never heard of just the ACH one.

I googled that number and it's not BIG, it is coming from florida and the people are complaining that whoever is calling is spanish and very obscene.

yea on my acct it says payday trans

but the website is achloan.com

this is what i just got from them

The Loan Agreement, to which we have adhered to by funding the loan, detailed that your loan was subject to the Arbitration Laws of Ireland, a fact by which you confirmed your understanding and acceptance of via the online signature you made. Please note, we are not a US company, have never prescribed to be a US company and have no US presence, as such are not subject to the US laws you detail. Please refer to your copy of the Loan Agreement. Under the terms of the Agreement you consented to make payments via ACH until the loan was satisfied in full. Your loan account is currently in default as your first payment was returned unpaid. We will continue to make all reasonable attempts to make contact and to attempt collection of all funds due and payable to enable the loan agreement to be satisfied, as per the original provisions. Regards, Liam K Customer Services

what should i do now with this information??

Ireland??????? Holy crap! :shock: What you can do with this information is take into consideration that this will NOT be a legal loan. Ireland???? And they are not subject to US laws? Alrighty then! YOU are subject to US laws. So basically, as long as they no longer have access to your account, they can hang out in Ireland and email you all they want to. File complaints against these illegal people. Ireland??? Good Lord.

Wasn't Sonic Payday in Ireland? Could this be a new ACH of them?

Here is some information on ACHLOANS.com

Hope this helps. They are based out of India.

Domain Name.......... achloan.com
Creation Date........ 2007-09-12
Registration Date.... 2007-09-12
Expiry Date.......... 2008-09-12
Organisation Name.... fastbuckstoday.com
Organisation Address. B 5/29 Safdarjung Enclave
Organisation Address. 106-552
Organisation Address. New Delhi
Organisation Address. 110029
Organisation Address. New Delhi
Organisation Address. INDIA

Admin Name........... John Seediek
Admin Address........ B 5/29 Safdarjung Enclave
Admin Address........ 106-552
Admin Address........ New Delhi
Admin Address........ 110029
Admin Address........ New Delhi
Admin Address........ INDIA
Admin Email.......... john.seediek(at)gmail.com
Admin Phone.......... +91.1167130011
Admin Fax............ +91.1167130012

Tech Name............ John Seediek
Tech Address......... B 5/29 Safdarjung Enclave
Tech Address......... 106-552
Tech Address......... New Delhi
Tech Address......... 110029
Tech Address......... New Delhi
Tech Address......... INDIA
Tech Email........... john.seediek(at)gmail.com
Tech Phone........... +91.1167130011
Tech Fax............. +91.1167130012

wow, so what should i do with this info??

so who do i file with cannr??

oh my gosh, it looks as though they could be w/ BIG..what do you think cannr ?

i use to deal with BIG but I stopped paying and now have all new info, so.....

they are refusing to accept anything less than my new acct information

what do i do?? can they sue me for this, even though they are in ireland(so they say)

they are requesting your new bank info ? do they know you have new info ? if not tell them you do not have anything to give them

no they dont know that i have any new info, i told them that my acct is closed and will stay that way, i offered them western union or money gram

How would they sue you? It looks to me like they are not licensed anywhere and located in either Ireland or India? They would have to buy plane tickets and come over here to sue you, then the judge would laugh him out of the courtroom. If you still owe them prinicipal that you want to pay then I would demand that the only way that you will pay is with a money order, nothing else. If they don't want it then tough for them, you offered to pay and they would not accept.

Add on to previous post..... they could hire a lawyer here, yet if they are lending money to people with no license then they have no recourse legally, as they are not legal themselves.

O OK. Well yes me and the csr have been going back and forth all day today, they refuse to give me an address and I refuse to give them access to my account. I do want to at least give them back what they gave me, but not through my checking acct.

That is the only way to do it. If you give them your bank account they will take you to the cleaners. WU and MoneyGram cost money. I am sure that they will give in eventually so that they can get their money back. If they don't then I guess it is their loss! Are they asking for just the principal back or are they still demanding all the fee's etc on top of the principal?

do not give them access to your bank account, all they would do is bleed you dry. if i talked to them, i would tell them you are under us laws, not theirs and you will abide by the laws of your country and if they wanted more money they would have to give you their mailing address not a western union or moneygram address.

jay, why are you speaking to these people? They are NOT going to be licensed to lend legally to you. Obviously, and in answer to a previous post, no, this is not related to Sonic. Sonic is not in India. Also, in answer to a previous post, no, this is not BIG either. jay, these guys are highly illegal, okay? I really wish you would not even speak to them. Of course they want your new bank account information. No crap! Of course they want you to send payment via Money Gram or Western Union, because that way it can not be traced to find these people. If they refuse to give you a physical address to mail your payment to, then to hell with them. They are illegal. You are trying to pay out of the kindness of your heart the principle amount of the loan. They are unwilling to work with you. Okay, so here's what we have - an illegal company who won't accept your payment for their illegal loan. Fine. Keep your money, jay. And you file complaints with the BBB, the FTC (expecially the FTC since they are located outside of the US) and your state AG. jay, save your money, honey. They have NO legal recourse to collect this illegal debt.

The reason that I asked about sonic is because he said that in the contract it stated that the laws of Ireland would be used to govern the contract. That looks like a web address application that was posted before so that does not necessarily mean that the company is located in India, just the website could be serviced there. None the less, cannr, I am with you. They are illegal and don't want your money? Hang up the phone and never answer it again, keep your money.

could not be said better. he thinks you are very vunerable but like was said just don't answer the phone and if you do give him the click.

I have been going back and forth with them on the website, they called yesterday but I hung up on them, I will not talk to them, but they flat out told me that they will keep hitting my bank until I give them new info, I told them that since they are not in the US i would send them western union or the other one, but they refuse that one, and they are saying that the fees will continue to add up, I took out a 200 dollar loan and now they are saying that I owe them 340, all I want is to give them the 200 back and call it a day.

I have filed a complaint today with the FTC, but with the BBB, do I file in my state and on for foreign companies?? And the AG, file with my state?

nj, Lord, keeping up with all these overseas illegal companies is a job all in itself! I can see where you would associate Sonic with them. Hell, I can see where anyone would associate any of these overseas with anything! They do a damn good job of hiding their "identity". But, all in all, I'm glad we agree. And I hope jay listens. Hell, keep your money, you can't say you didn't TRY to pay them. Nothing like BEGGING an illegal company to take your money. No friggin way.

you would think that they would stop loaning here in the u.s., but i guess they are making good money off the people who are not aware of their rights.

oh well what else can i do!

jay, you filed with the FTC, correct? That is the main one regarding overseas companies. And you file with YOUR state AG. Just file. And, regarding your bank account, you posted that they stated they would "continue to debit your account". Is your account to the point to where it is safe from debits?

right now it is opened because it is in the arrears, so I will just have to freeze it when i go in to pay the fees on thursday, but i already have another acct elsewhere. so i will just take the papers with me showing that they are refusing to accept payments and that they will continue to debit my acct.

I have filed with the FTC but not the AG in regards to this company, but I will do so today

Please just get the account to the point to where it can NOT be debited. Do whatever you have to do to get this done, jay. And, please do file with your state AG regarding these idiots. If nothing else, at least you will have documentation. You want documentation of everything. The more you have in writing, the better off you will be.

This is their last reply.....



The payment arrangement that you have offered has been declined. We have no option other than to attempt payment from the previous account until you provide new details. The loan will continue to accrue charges for each pay date that passes without payment being received, all as per the terms of the agreement. We will also continue to make every effort to make contact by telephone to ensure collection of the loan is achieved.


:? :?

Now what?? And I have sent them the letter telling them not to contact me any other way accept for email or USPS and I have revoked them from touching my acct any longer, so I guess I will just take this to my bank, but now I am going to have to keep the acct open. :x :x

I have been following yiur posts because i have some of the same loans. I have also been reading other posts and advice that was given. I do not understand why your account is still opened, also if this co is an illegal company, why do you want to keep your account opened so thay can get your money. It makes no sense to me

because some banks will not allow you to close or freeze your account if there are outstanding nsf's or debits pending.

I would just try and get that account closed for good. Then just never answer the phone again when they call, done deal.... they have to just give up eventually. Tell these loan sharks you are done with them then and they will not be receiving any payments from you and your previous offer is withdrawn.

I would imagine that if you go talk to the bank manager or someone else? Just tell them that this company refuses to stop trying to debit your account so they will need to close it down for.

njl, with these people it's not that easy, they will hound your co workers, boss and anyone else they can get to answer.

jay, I'm confused. Why are you leaving the account open because of an illegal company who told you that they would continue to hit the account? This is an illegal company. Why, oh, why are you wanting to leave your account open for them to hit? And, please do not get so upset over the fact that they are sending these emails to you. Of course they are going to send these ugly emails to you. They have NO legal recourse to collect this illegal debt. They have to "scare" the money out of people. jay, please, do not let these people get to you. They are illegal. Period. And please do something regarding your account so that they can NOT hit it. They will continue to hit it (as they so nicely stated) forever. Please, please do not let them get to you.

yes, i tried to close it but it opened back up, and now i have to pay the fees, they were able to reverse most of the fees, but i still have to pay back 97 dollars, and i dont think i will be able to close it since they are saying that they will continue to try and hit my account, i will find out on thursday though

I see..... I am a little lucky with that because the ipdl companies only have my direct line for work and since I have over 4,000 coworkers in the same building with random numbers they really have no way of getting in touch with any of them but me. Cash Transfer Centers does call my boss repeatedly because I must have put that info on my app with them, but I was just upfront and explained the whole thing so now he just ignores their calls as well. Can you file a harassment suit against them or anything like that for?

That sucks.... at least they reversed most of the fee's, $98 is a lot cheaper than the fee's that Payday Loan Companies would have charged you. If you are trying to find a positive twist on it:)

jay, even if it is in the negative (mine was forced open the first time also due to pending pdl debits), they should be able to put a hard debit block on it. Notice I say "should". Some banks are harder to deal with than others. However, if you STRESS the importance to them, they should put a hard block on the account (even if it is in the negative) so that no more NSF fees will add to it. You already have to pay them some fees as it is. For gosh sakes, you would think they would do something to protect the account until you're able to bring it back into the positive and then they can close it. But I do understand some banks are hard to deal with. But it just kills me that these illegal pdls are going to continue to hit it and cause you more fees. I hope your bank can help you so that no more fees are added on.

i am going to go and talk to my bank on thursday cannr, if they say that i have to keep it open then i guess i have to, because the ach debits will force it back open, so.....

Ahhhh...... it just KILLS me! :x Now, in my case, when my account was "forced" open due to the stupid pdls, it was in the negative (WAY in the negative). They put a hard debit block on it (even though it was in the negative) so that nothing could come through and cause NSF fees (to add to the ones I already had). I'm hoping your bank can do the same. At least that way you won't be paying NSF fees forever and ever as this illegal idiot pld keeps hitting your account.