PD6 Ventures

Date: Tue, 01/08/2008 - 12:11

Submitted by anonymous
on Tue, 01/08/2008 - 12:11

Posts: 202330 Credits: [Donate]

Total Replies: 7

i took out this internet payday loan in 2005 it was for 300$ i have paid back more than 300 in fee's and they were even debiting my credit card w/o permission b/c i had (stupidly) given them that account to make payment arrangements. Out of the blue i get a call that they are trying to collect on a balance. I live in Louisiana, what rights do i have to not pay them anymore money. How can i get them to quit calling me?
Thanks so much, i got into a payday cycle trap in 2005 but have since steered clear of them and will NEVER use them again.

You will find the Payday loan laws for Louisiana here (just sele

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

lrhall41

Submitted by kashzan on Tue, 01/08/2008 - 12:14

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i am waiting to get copies of my credit card statements so i can

i am waiting to get copies of my credit card statements so i can verify the withdrawals they took w/o consent. I jsut want thes nut jobs to stop calling me at work. If they are not located in Louisiana they cannot obtain a liscence so does that mean the loan was an illegal transaction??

lrhall41

Submitted by on Tue, 01/08/2008 - 12:35

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I am a bit confused here. If you gave them the card to make paym

I am a bit confused here. If you gave them the card to make payment arrangements , then they did have consent. Please clarify.

lrhall41

Submitted by kashzan on Tue, 01/08/2008 - 12:36

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i arranged for a single payment of 65$ to be made b/c they had h

i arranged for a single payment of 65$ to be made b/c they had harrassed me for payment. I did not tell them they could make frequent withdrawals of whatever amount that they chose. It was not a reoccuring agreement it was a one time agreement in which they abused. The form i filled out said i authorized a $65 charge on 2/17. THat was IT!!! A few weeks later i started to occur charges for various amounts on my card from them.

lrhall41

Submitted by on Tue, 01/08/2008 - 12:43

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Definitely dispute with the credit card companies...and if they

Definitely dispute with the credit card companies...and if they have the CCV code (3 digit code)from the back of the card, you might want to watch for other unauthorized charges too. At this point, once they have any legitimate account numbers, bank/ccd or otherwise, they will latch on like a parasite!

You have a written one-time authorization form?

lrhall41

Submitted by volleyballmom on Tue, 01/08/2008 - 13:09

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i have the form and what i filled out and consented too.. it cle

i have the form and what i filled out and consented too.. it clearly states i authorized a $65 charge to laptop shop on Feb. 6th. That is all it stated nothing about reoccuring charges. I have since closed that card out so they cant abuse it anymore.. but i am NOT payng them anymore money!!

lrhall41

Submitted by on Tue, 01/08/2008 - 13:33

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I just reserached and found out that they are not liscned in eit

I just reserached and found out that they are not liscned in either Neveda or Missouri, i contacted the financial depty in Missouri to ask waht options i had regarding this. My state laws say no roll-overs soo all the money i spent in rollover fees should be applied back to this account and it should be considered paid in full. I will contact nevada also to report them and see what help they are. Any other suggestions?

lrhall41

Submitted by on Wed, 01/09/2008 - 09:14

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