achloan.com

tina, you are not governed by the laws of Ireland. You reside in America. You are governed by US law. Not Ireland. These guys are insane.

Totally insane. How in the world do they think that they can do anything to anybody in the US is beyond my imagination. This makes me :twisted:

ladybug

Tina, Do not be scared. Yes, you understand correctly and only need to pay back the principle.

Thanks everyone. I'm feeling so much better about this whole PDL mess! It's so nice to know that I'm not alone and that there are others that have gone through it and survived it : ) It's such a burden to carry, so many sleepless nights : (

Tina, every one here knows the feeling and it does feel good to know you are not alone. I am glad we helped you and you are feeling better. We are here any time you need it and you do not have to carry the burden alone. :D

Isn't that the truth! tina, if you have any questions at all or need any help, we are here for you. We will help you the whole way through. :D

Oh boy, these guys are my favorite! They never ceast to amaze me, boy o boy!!

You know what I just thought? I wonder how many of these companies are doing business under more than one name and are actually one in the same? I wonder if they communicate with each other. For instance, if they know that someone is filing complaints, etc., it they communicate that with each other. I haven't heard a thing from any of them yet, other than the correspondence that I initiated with ACHLOAN.com

Does anyone have any knowledge or experience to share?

i can share that they are major a holes and will ring your phone off the hook!

tina, it would knock your socks off if you knew all the names some of these companies use. Some have up to 20 d/b/a's. They are amazing. It's all the same company; however, they issue loans out under different names. BIG/SONIC/ROUTE 66 is a prime example. They use many, many, many names. MTE Finacial is another one with more names than you could possibly imagine.

Cannr, are you saying the BIG and Sonic are one in the same company? I have loans out with both of them. I just got an e-mail from BIG saying that my payment was returned and if I would like to discuss it with them, I can call them, blah, blah. I just replied to their e-mail with the letter that you sent me, which I had sent them yesterday (before they sent the e-mail about the returned payment).
BOY am I learning a lot through this experience!!!!!

we are all tina

tina, do NOT speak via telephone with these guys. Okay? They will harrass the living hell out of you. Only communicate via email or USPS. (Which they hate and will call you 1,000 times.) Keep sending the same letter to them. That was the right thing to do. Now, I know in the letter you sent, it did mention revoking wage assignments. However, I want you to do a separate letter to each one of them revoking wage assignments, okay? Just type what it says on the letter I sent to you regarding revoking wage assignments signed, but do one for each of these guys. You will need to email it/fax it/mail it certified to each one of them. Keep a copy and give a copy to your HR/payroll person at your place of employment. A lot of the illegal overseas pdls will try to send through a "wage assignment" to your employer to get their money. A wage assignment is totally voluntary and can be revoked at any time. However, a lot of employers are uneducated regarding them. You may just want to tell your HR/payroll person to put that letter in your file "in case" these illegal overseas companies try to pull something with you. Explain to your employer that "somehow" (they don't need all the details) these illegal overseas companies have gotten ahold of your personal information and are trying to get money from you. Just cover your butt. Send the letters revoking wage assignments and give a copy to your employer. Educate your employer regarding the fact that wage assignments are totally voluntary, these are illegal, unauthorized, overseas companies. If you have any problems, let us know.

I work for the State and it's my understanding that they wouldn't even accept such a wage assignment, is that true?

tina, I'm not positive. You may be correct on that one. The state might actually laugh at a nice illegal wage assignment. However, me being the absolute paranoid person I am after dealing with all this, I would still do the separate letters revoking wage assignments. I'm all for documentation. The more documentation you have, the better off you are. If you can ask your employer (without looking foolish) if they "honor" wage assignments (gee, from illegal overseas companies) and they say "no", then don't worry about it at all. But I would want to know for absolute sure before I decided NOT to send the letters revoking it. Just call me paranoid! :wink:

The wage assignment would have to be sent through the mail right?

It is sent to your employer thru the mail.
the ones I sent to the pdls i e mailed. None of mine evoked any assignments

Kashzan, are you saying that e-mailing the letters to the PDL's didn't work?

I emailed mine and also faxed them in. Do you have a fax number for them? If not maybe someone on here has the information that you need.

ladybug

No i am saying that it did work

Oh okay, good. I've e-mailed 2 of mine so far and have only heard back from one. They told me that it is a valid debt and that they will continue to do what they need to do to collect it and when I am ready to pay to let them know. I told them that I've already paid them and that in actuality, I overpaid them by $10.00 and they owe me a refund. They said that I won't be receiving a refund and they will continue with their efforts. I hope they don't hold their breath waiting to hear from me : )

Tina, They certainly will not hold their breat, but they will expel, blow, spout, ALOT of hot air!! :lol:

I'm jumping in here. The wage assignment that I received at my place of employment was FAXED. It was NOT sent through the mail. So if your pdls have your work number, they can get your fax number, and they can FAX the wage assignment. Believe me, been there, done that.

I thought I remembered that, but I did not want to post it becuase I was not sure...I also figured you would be along :wink:

Of course! Wherever the words "wage assignment" or "MTE" appear - BAM! - there I am! :lol:

I think I am going to go from wings and a halo to tights and a cape.

I am dealing with the same company (ACHloan.com) I don't even know how to get ahold of them to pay the principle. I need to know how to reach these SOB's so that I can tell them to shove it up their yodlin butts.

Shelby,

I went on their website (achloan.com) and went to the Customer Service section. There is a place where you can post if you have any questions/comments. I posted on there the PIF letter and the letter to stop phone contact and revoking the debits (even though I already closed my account) and they actually did respond back to me. Not the response that I was hoping for, but at least they did respond and they know where I stand ; ) Anyway, just thought I would let you know what I did with these fools. Good luck!!!

They will respond to you, but other than going on the website I dont know of any other way to contact them, if anyone finds something please be sure to post it

and cannr, thanks! the only thing about the fax machine is that its no where near me, so i hope they dont do that

The one good thing about mailing it is that you have absolute proof (if you send certified) that they received it. That may be important if your employer tries to honor it. You can't prove an email or fax was received.

I wrote achloan.com again tonight. This is what I wrote:

I see that you still show me owing a balance of $270.00. As I have written previously, I do not intend on making any more payments on this account. Your company is an illegal lender and I have already satisfied the principle amount that I borrowed which was $200.00. You have debited my account 3 times at $70.00 each, which amounts to $210.00. I am requesting that you mark my account as paid in full as of today. Thank you,

This was their response:
The loan is not paid in full, nor will it be marked as paid in full until all payments due under the terms of the agreement are satisfied. Please refer to our previous responses.

Then mine:
have contact my state's Attorney General's office and have been informed that your company is in fact illegal to lend in my state. Therefore, I am only morally obligated to pay back the principle which I have already done. I have filed a complaint with the AG, BBB & FTC regarding your company. They have directed me to request a debt verification letter from you, you may either send it via e-mail or USPS mail. Once I have received the letter, then I will respond accordingly. Thank you,
Theirs:
Please refer to our previous responses.

Mine:
Your previous responses are not helpful to me. I would like you to please send me a debt verification letter via either e-mail or US Postal mail as soon as possible. This information is needed in order for me to proceed with my actions on this account. You are telling me that this is a valid debt, so I am requesting it in writing from your company. I have been informed by the FTC and AG that I do not owe you anymore money, so until I get the letter, I will not pay you anything more.

Nothing back yet : ( Doesn't look like they are going to budge.

Tina, hold your ground and keep sending the same emails back to them. You are doing great.

Thanks Roxy. At least they haven't contacted me via phone so it looks like they may be listening.........so far anyway ; )

Good. I really hope it stays quiet for you. Iknow that my constant phone calls only lasted a very little while. They quit calling pretty quickly. SOmetimes giving them the same song and dance over and over tires them out and the either give up or give in. You know that old saying about the squeaky wheel :wink:

"Squeak, squeak, squeak, squeak" I could do this all day and all night long :lol:

:lol: Keep up the sense of humor :D

Gotta have the sense of humor to make it through life. I believe George Burns was the guy that said it best when asked how he lived so long. He answered "Always keeping my sense of humor". He was 100+ when he died so I'm sure he knew what he was talking about : )

Here's the newest response from achloan.com:


I don't even know how to respond to that one!!! I guess if they don't have to abide by US laws, I don't have to abide by the Ireland laws, right???? I am, afterall, a US Citizen!!!!

You got that right!!!!

This is what I just replied back to them:

Well, I guess if you are not a US Company and don't have to abide by US laws, that means that because I'm not an Ireland citizen, I don't have to abide by Ireland laws. From what I've been informed by the FTC & my state's AG, you have no legal recourse and since I've already made good on the principle amount that I borrowed, you should consider this debt paid.

I just checked the website and they did read my last response as it shows as "closed" but they did not respond back. I wonder what they will do next??????

please bare with me I 'm having financial trouble but am trying to pay. Please contact me at (413)534-****
As soon as possible. Phone number removed for your safety - Mike

Thank you Alicia

Alicia,

this is not the loan company, it is a forum designed to help people with these low life blood suckers that call themselves internet payday loan companies...

ACHloan, huh? Oh yes, I know them VERY well! I'm working w/ the State Financial Commission here in Maryland, and payday loans are illegal. The people w/ Maryland Financial Commission told me to tell ACH that their operations are illegal in Maryland and that I don't owe them any money, and that, after I've told them that, when ACH calls up, to hang up on them. Well, that really doesn't work, as they keep calling back, and if they call at work, they've tried calling my coworkers' lines. I told my coworkers the bare minimum of what was going on and told them to hang up on them. That doesn't work either, so I just let ACH give their spiel; They say "you are being recorded," I tell them, "You're on a speaker phone and we're all laughing at you." Then they've threatened to come and "get" me - I mean, these people are apparently calling from a call center in New Dehli, India, I told 'em to come on ahead! And now they're saying that they'll see me "in the British Court." Yeah? As for contacting them by mail; does anyone actually have a valid address for ACHLoan? Maryland Financial Commission people said if I could get one for them, they'd try writing, but no one at ACH (whether on the phone or on their customer service section of their website) has been willing to give me their address OR a valid phone #. The number that will probably show up on your phone has, I believe, an area code out of Utah, but when you try calling the number back, all you get is "beeps." I'm just waiting them out, hopefully they'll eventually get tired of bothering with me.

good luck with that!

Does anyone know a good number for achloans? I am trying to get onto the site but lost my password and user name. The customer service request has been down for three days and I need to work out payment plans before they take to much money out of my account. Is there a number that any has to contact them. Email? Mailing addres?

If there's a valid phone number/address for achloan.com out there, I have yet to find it. I tried their customer service section on the website and asked for a phone #/address, with no luck. If you don't want them taking more money, the best thing, as many others have done here, is to close your checking account. Then when they start calling you (and, oh yes, they WILL), if you want to pay them back, you can see if talking to them will do any good. (However, they're not much good at talking, just making empty threats)

I just registered


I guess it is an Irish #

01135314370676

And thanks to everyone here on the board, I read most things here and it has really helped me out.

I am done with:

Impact Cash
ACHLoan.com
Arrowhead Investments
USAFastCash.com



Hope I can help more!!

May be an Irish phone #, but the people working w/ the State of Maryland Financial Commission said that the calls are coming from India. So who knows where in the world these people REALLY are? Anyhow, hang in there!

I know for sure the Bank is in Ireland, as they told me that in a customer service email:

The Loan Agreement, to which we have adhered by funding the loan, detailed that your loan was subject to the Arbitration Laws of Ireland, a fact 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 due to returned payments. 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, Customer Services

I spoke to my bank and there is a 6 month block on them taking cash from my account. We will see if that helps. They called me 14 times this morning after I sent a revocation of authorization to them