hi, new here
Date: Fri, 01/18/2008 - 10:09
loan amt Fees/Interest I have paid
DEC 240.00 pd 0.0
OCT 19, 2007 220.00 38.50
SEP 07, 2007 220.00 326.63
JUN 15, 2007 180.00 157.13
I would also like to start repairing my credit and have 5 to 7 thousand in unsecured credit card debt that has all been charged off and turned over to collection agency and I'm not sure where to start and don't have much money to pay towards anything right now and have been avoiding all calls from the collection agency. If anyone has any advice on where to being I would appreciate it.
To the people who created this site MAY GOD BLESS WITH EVERYTHING WONDERFUL IN LIFE. I already have a huge cloud lift off of me with just 1 PIF.
Here is the email I got this morning from Pay Day Ok.
Quote:
THIS IS NOT AN ATTEMPT TO COLLECT A DEBT Payday OK is sorry you are unsatisfied with its services. We will consider your loan paid in full. Thank You, PayDay OK Special Handling Team Shteam(at)paydayok.com paydayok.com 866.612.4506 866.612.4508 - FAX Business Hours: Monday - Friday 7AM - 10PM Central Time Saturday 9AM - 8PM Central Time CONFIDENTIALITY NOTE: Privileged and Confidential. This e-mail, and any attachments thereto, is intended only for use by the addressee(s) named herein and may contain privileged and/or confidential information. If you have received this e-mail in error, please notify me immediately by a return e-mail and delete this e-mail. You are hereby notified that any dissemination, distribution or copying of this e-mail and/or any attachments thereto, is strictly prohibited. Thank you. -----Original Message----- From: "Tiffy " Received: 1/17/2008 11:50 PM To: accounts(at)paydayok.com Subject: RE: Request PIF To Whom It May Concern: I request that you concern my loan(******) paid in full since I have had loans with your company since August 11,2005 and have been paying ridiculous illegal finance charges. According to my state laws my loans should have never been renewed. Also, I have pasted the Tennessee state laws about Pay Day loans below. If my request can not be met I will be filing a compliant with my attorney general. Legal Status: Legal Citation: Tenn. Code Ann. §45-17-101 et seq. Loan Terms: Maximum Loan Amount: $500 Loan Term: Max: 31 days Maximum Finance Rate and Fees: the lesser of 15% of the check or $30 Finance Charge for 14-day $100 loan: $17.65 apr for 14-day $100 loan: 459% Debt Limits: Maximum Number of Outstanding Loans at One Time: 3 (2 per licensee) Rollovers Permitted: None (cannot renew or otherwise consolidate) Cooling-off Period: Repayment Plan: Collection Limits: Collection Fees: One $30 NSF Fee; Court Costs Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Tennessee Department of Financial Institutions Address: 511 Union Street, Suite 400 Nashville TN 37219 Phone: (615) 741-2236 Fax: (615) 532-1018 Regulatory Contact: Bart Daughdrill, Thank you. |
Quick UPDATE just received an email from PayDay Select saying my account was pif. SO 2 PIF's!!!! :D
Make sure that you save those emails as prooof that they have no
Make sure that you save those emails as prooof that they have noted your account as paid in full. Others will be along shortly to advice you further on what to do next, but by reading your post it sounds like you are doing what everybody would suggest. You are doing great:)
ladybug
Welcome to the forums, I am new here too, wow, you got off to an
Welcome to the forums, I am new here too, wow, you got off to an awesome start, I bet that paid in full made feel like a million bucks, good for you. Hopefully you have more to come.
There are tons of people here in your same boat, I have read so many horror stories and it seems that most of them end up with happy endings just like your one. But I have noticed that there are the few loan companies out there that don't give in so easily and you will have a fight on your hands. Isn't it great to know that you can come here, put it all out there and get the advice and guidance that you need. If you do find that one is giving you a hard time, come here and post the information and I am sure that you will be advised on the next step to take.
Once again, congratulations on your success with this one, I look forward to seeing many more posted here from you. Keep your chin up, the end is in site.
Tiffy. Congratulations on the 2 PIF. Jos is right, we have all b
Tiffy. Congratulations on the 2 PIF. Jos is right, we have all been through the same thing and believe me when I say we all share your joy! You seem like a very level headed 21yo. I am sure you can get back on track and get your credit back to where you want it. This is a good start.
We will all be here cheering for you and sending positive though
We will all be here cheering for you and sending positive thoughts your way :D , how many more do you have to go?
You should start a countdown on this thread and then when you hit zero, we can all celebrate.
Also wanted to let you know that there is a credit forum also, you can go to it with the link at the top of the page. They discuss credit repair issues there that may be of some interest to you. You may want to pop in and ask a few questions there also. I came here from there. there are a lot of good people there also. goodluck and keep us updated on your progress.
