Need help in VA

Hi there. You have certainly overpaid! You are due some refunds, it looks like. I think that your first step would be to close your checking account and regain control of your money. Then start sending them cease and desist letters and letters asking for PIF and refunds.

try this letter....


http://www.debtconsolidationcare.com/paydayloan/letter-used.html

jay-that letter is fine...looks pretty familiar actually :wink: but if someone has overpaid, then the amounts paid should also be spelled out. just my suggestion....

yea, someone gave it to me here and so i thought i would share it, but now that i think of it you maybe right, on some of those she should be looking for a refund, just throw that in there some where

Looking over the letter it looks like I am asking them where to send money. Since I have already paid them more than my principle, how should I phrase that so they are not expecting a check payment from me. Sorry if I sound stupid in all of this, but I appreciate your help!

I can post the letter here....be right back.

Clean copy:

Revocation letter format http://www.debtconsolidationcare.com/forums/revocation-letter.html

This also revokes any possible wage assignments and revokes ACH authorization.

nice mom :)

WOW! I can't thank you all enough. I'm doing a site search for addresses right now. Does anyone have the address for ameriloan or UnitedCashLoan? Thanks again!

ameriloans
2533 N carson st. STE 4976
Carson City, Nevada 89706

How do I file complaints with the FTC and the AG office? In VA what laws do I need to consider before closing my account? Thanks again for all of your help, you guys are life savers!

Read this before closing account

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

I spoke with my bank and when I close my account they will not allow any postings to reopen it. My problem now is that my next payday is next Wednesday, which leaves me tomorrow to notify these crooks to not debit my account. Any advice? Also still looking for answers on how and what to report to the BBB, AG, and FTC. Thanks so much you guys!

Your account is already closed? And they are set to debit next Wed?

If the account is indeed closed, no worries. You can send them the letter I posted but most of them will still try to debit anyhow.

I haven't closed the account yet because I need to verify that I can get a paper check from my employer.

:( Even a letter will not stop them from debiting. They will even keep trying to debit after the account is closed.

When can you find out if your job can give you a paper check?

See if your bank will block the debits if you can not get a paper check from your employer. Some banks will do that for you. Then, a soon as your check is deposited, close the account.

Volley does a beautiful job with her letters - don't ya think??

jazz you're too kind :wink: Excellent advice too!

Boy are they great! I don't think I could form a coherent sentence due to my hostile feelings toward these companies. My employer will issue me a paper check, but if I close my account...where do I go to cash it? Again, I'm sorry that I sound like an idiot but this is all new to me, I've had the same bank/account since I was a teenager.

why can't you cash it at the bank it was drawn on Just ask your employer to call the bank for you, and they should do it. That is what i did when i got a paper check.

needa-Congrats on getting the paper check from your job! You can cash that check most places and a good place to start, as kash mentioned, is the bank it was drawn on. Most grocery stores and wal mart also cashes them.

You going to close your account right?

you 2 keep rockin the house with your info--nuthin but the big hugs going out at ya!!!!! :shock: :D :o :D :D :D

Back at ya dear Hanky! :wink:

thanks girlfriend!!!!! :? :? :? :?

needa

what did you mean that renewals and extension are illegal? I am in the exact same boat as you are..

AND also live in VA.
thanks

You will find the Payday loan laws for Virginia here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

oh, I see. Thanks! I was confused ***

No problem. If you need anything just ask.

[font=Verdana][/font][color=Indigo][/color]I'm also in VA. My employer is based in LA and my payroll checks are drawn on a bank I never heard of in FL. I used a check cashing place 2x before I realized that Wal-Mart was cheaper. They charge $3.00 flat fee to cash payroll checks and their limit is $1,500.

I stopped my direct deposit because of overdrafts and ACH debits from creditors. I'm trying to get that checking account paid off and closed and have opened a new one at a different bank and attached a savings account for overdraft protection (something my current bank didn't even offer when I opened my account there 2 years ago). Once I'm comfortable this account won't be closed on me, I'll start up my direct deposit again. Until then, its $3 every two weeks to Wallyworld to have cash in hand and to keep the vultures from picking me clean before I can pay anyone.