Help with Online Payday Loans in Alabama

Please give me the strenght to face the bank and the branch manager to get my account clearer up. Since the bank did not "close to debit my account on this past Friday" Please give me the advice to take and stand my ground with the manager the morning....

Jenn.... You can do this. Bring the letters like Volley, Cannr and I told you. Go to the manager and demand to know what happened. It is ok to be soft spoken, just do your best to put force behind the words. I know when I am mad, I do my best not to raise my voice and talk in a lower tone becuase I conveys my seriousness and once you start yelling people tune you out. You do not have to be loud to be forceful and have presence. There also is a possibility the manager will be helpful and not make this difficult for you. If they do make it difficult, Dig deep and find your strength, it is in there. You already have taken the first steps to put an end to this cycle by going to the branch, now you just need to take it a step further. $800.00 is alot of money and you want it back. Focus on that. They told you it would be closed to debits and it should have been. Dispute the whole thing. If the branch manager will not help you, ask that person who the regional manager is and their contact information. You want their boss! Let them know you are not going to give up. If all else fails tell them you will file complaints with every agency you can think of state and federal.

Branch Mgr is printing all the dispute letters for me to sign today. She is going to get account put on "close to debits" then the money will be reversed tomorrow into my account. What happen when you dispute the pdls? Does that go back to them? Branch mgr said that the account cannot closed to due to the account being updated.... Does this sound like it might be going the right way.....I am still little scared on how all this works... :?:

Jenn, my account was on deposit only - essentially closed to debits for about a month before it was finally closed. As long as it is closed to debits and the pdls can not force the account open you should be ok. Check your pm's.

Got your PM jenn....

Sounds like the bank is working with you....that is great!!

How much longer did they say before the account can be officially closed?

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Keep your fingers across that it will work. The branch mgr is trying to get the account on debit block. That was supposed to happen on Friday.. I do not know when the account will close due to the reversal having to take place tonight at mid-night when their system updates. I am trying to stay strong but I am so ready to cry. I can not believe how I got myself in such a mess. I will never get another payday loan again.....

Jenn-Its going to be ok. You have a support system here and we have all been in your shoes....you will get through this! :D

Check back with the bank tomorrow and stay on top of them!!

Thanks for all your help! I will keep you posted when I return from the bank tomorrow.

You are welcome!!! :D I am so glad to hear that the bank is working with you on reversing the $$...I have seen both the good and bad in those situations and I am glad its working out.

Keep up posted!

Jenn, hang in there. You are doing great! You are stronger than you think and this too will pass. The people here giving you advice are very wise and have all been there themselves, including me. It is hard but it is all worth it in the end when your paycheck is yours once again. I will say a prayer for strength for you to get through this.

The e-mails and telephone calls have started and my account is still not close to debit, yet to it being overdrawn...

Jenn, I always e-mailed back my pdl letter every time. Sometimes I added a response but tried always to say the same thing. As for the calls, I would let them go to voice mail and did not bother to call them back. It will be crazy for awhile, but eventually it will stop.

I have a pdl for Nationalpayday.com out of San Jose, Costa Rica. I have sent the "wage revoke letter" but still calling and e-mailing about the account. I told them that I would pay the principal amount... they will not take that...please help. Has anyone had any dealing with this company?

Jenn, National payday was one that was not lisenced...Do not worry about them right now. Do you have an address for them? They are not going to agree to the the principal they will continue to argue and drive you crazy. I sent the pdl eamils to a folder in junk mail and let the calls go to voice mail. If you want to do some research in your spare time, any time you want to know about a company or how a member handled them, you can use the search box at the top right side of the page. It is really cool..It will pull up every thread where that company or topic is mentioned and you can see what members have posted about your search topic...kinda like google.

I not found a lot of information on AIS Services.
The following pdls have been turn over to them:
Midland Marketing overpaid
Jd Marketing still owe them some of the prin.
amount
Electronic Payment Processing still owe them some of the prin. amount (do not have a fax number for them or address)

Live in Alabama .... Please read the response from MTE Financial I have paid $360.00 on a $300.00 loan.



We have received and reviewed your correspondence regarding your complaint with the company.


While the information that you have collected may apply to companies that have physical locations in your state, it is our opinion that it does not apply to our internet business model. This is based on sound advice from our legal department. In addition, the Legal Disclosures provided for customer reference at our website state the following:


Regardless of where you may be viewing or accessing this site, you as the borrower are responsible for complying with any local statutory obligations that may exist in your state or area with respect to this transaction. The Federal laws governing this consumer loan agreement may differ from the laws of the state where you reside. If you do not want to enter into a consumer loan agreement with us under our terms, then you should apply for a loan at a provider located in the state where you live.


Based on the information supplied in your complaint, it is evident that the information derived from some sort of form or template, as it does not apply to your particular loan. It is strongly advised that consumers do not fall prey to the contributors of this type of information, as it is not always true, nor does it apply to every circumstance. Often, the information actually incriminates the consumer for not abiding by the laws of the state that they live in. Additionally, any contradiction to a consumer????????s signed loan agreement can actually put them in default. While it is appealing to a consumer to find what appears to be an "easy way out" of their debt, there is no such thing if the debt is substantiated by a legal, signed contract. Using information containing legal jargon that you have not actually researched in an attempt to threaten a company into writing off a balance that you know you owe can actually be harmful to you as a consumer.


The money was lent to you by our company in good faith with the understanding that you would abide by the terms detailed in your loan contract, just as we upheld our end of the agreement by crediting the funds to your account in a timely manner. The Loan Note and Disclosure that you e-signed and thereby agreed to is very detailed and clear so as not to cause any confusion to you, the borrower, and meets all the Truth-In-Lending and Reg Z requirements as prescribed by Federal statute.


Due to the fact that you have revoked authorization on our debits, no further debits will be made from your account from this date forward. This revocation of authorization has actually lowered the amount that you paid from $360.00 to $180.00.


Due to the fact that you are clearly in a situation that led you to use any information that you could obtain in an attempt to relinquish your debt with our company, and in the interest of good customer service, we have agreed to waive all finance charges currently due on your loan and settle for complete payment of the principal balance owed. It is our hope that this will ease some of your financial burden, as well as avoid further collection efforts that would inevitably ensue should you default on your loan agreement.


We will be prepared to provide you with the information necessary for repaying the $300.00 that remains due on your principal balance, after waiving the three $90.00 finance fees due, as well as collection fees assessed when your account became delinquent. Payment must be received by you in the form of a Cashier????????s Check or Money Order, as you have revoked our authorization to debit your account. We expect this offer will bring us to an amicable resolution.


Please acknowledge your understanding and acceptance of our proposal if you are in agreement with the offer detailed above, and advise which payment method you will use. Once your acknowledgement/agreement is received, we will provide you with the information needed to make the payment. Once we have received this payment, we will mark your account "Paid in Full."


If your response is not received within seven (7) days of the date of our offer, the offer will become null and void and collection efforts will resume

:?: Please advise on what to do now.....

Hey Jenn!

This is about the 10th time I have seen this email over the past week....MTE uses the SAME TEMPLATE email over and over and with everyone!!

Do not let it scare you!

What do I do??? Do I response to them?

The are INSANE!

Here, they actually ACKNOWLEDGE that you have paid $360.


Quote:

Send them this:


Thank you for your email correspondence as this will greatly ease my efforts in keeping accurate documentation as I continue file my complaints with Alabama State Banking Department as well as the FTC and the Better Business Bureau against your company.

At this time, you have acknowledged in writing that I have indeed paid your company the sum of $360 and you have also acknowledged that the principal balance was $300. since your company is not licensed to do business in my state, there is no question that I have fulfilled my obligation by paying your company the principal balance of $300.


I will expect a paid in full notice on this account and anything otherwise will result in full exposure of your business practices to the proper authorities.

Thank you for help.. I have sent them an e-mail stating waht you said... I will keep you posted....Thanks for all your help!!!

You are welcome! :D

From what I know. MTE is pretty darn bad....they might not give you the PIF right off but keep fighting!!

That is not what I wanted to hear...

I can understand that but honeslty, you need to know that. many of these will not go down without a fight.

I know.. It will be a battle for a while.. I am glad that I have this place to come & get good feedback..

This place was a godsend for me when I was dealing with my frustrations and issues with the PDL's.

We are here for you and will support you 100% :D

Posted: 22 Feb 2008 21:10


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I have not found a lot of information on AIS Services.
The following pdls have been turn over to them:

Midland Marketing overpaid by $60.00

Jd Marketing still owe them some of the prin.
amount

Electronic Payment Processing still owe them some of the prin. amount (do not have a fax number for them or address)

jenn, I went round and round and round with AIS. Their lawyers even got involved in this one. Wonderful. Here's the information I have on them:

This is the CORPORATE OFFICE for them. You want to deal with these people:

AIS SERVICES, LLC
8996 Miramar Road
Suite 220
San Diego, CA 92126

Deal with Neda Amaya - Legal Manager

Phone: 858-225-6766
Fax: 858-689-2809
email: nmosallaei(at)aisservicesllc.com
website: (www)aisservicesllc.com

They also have another address as:

AIS SERVICES, LLC
50 California Street
Suite 1500
San Francisco, CA 94111

And yet another:

AIS SERVICES, LLC
9320 Chesapeake Drive
Suite 126
San Diego, CA 92123

Just deal with Neda Amaya at the phone number and email I posted above. She is the "Legal Manager".

Do I wait for them to contact me or go ahead and contact the person you told me about

Are these people hard to deal with?

jenn, have they not contacted you yet? Personally, I would contact them. No sense in waiting for them. Go ahead and send Neda an email. Now, I'll tell you, I got it straightened out; however, it wasn't REAL easy. It wasn't horrible either though. We just had to go a few rounds via email and telephone. Then when my request still didn't happen, I filed complaints and they were contacted by the government agencies (they didn't like getting a letter from my AG). They were all over it then. Blah, blah, lawyers, blah, blah, it's straightened out, blah, blah. But, yes, it finally was. Neda is the one that I dealt with. I started out with the other two addresses then finally came to realize that Miramar Road address is the corporate office. The owner of the company actually got my first email! :lol: Then Neda took over. She's not REAL pleasant, but I've dealt with worse.

Please read below, I sent the wage letter and this what they have sent back. Still wanting more money...
Please advise. I paid $180.00 on the loan told them that I owe them $120.00 that I will pay...


I am writing you in response to the email that you sent to Emily regarding your loan you have with us. I am willing to work out a settlement with you, but our records only reflect one payment of $90.00 made to your account. I understand what your concern is with the laws in your state. Those laws that you are referring to though are for payday loan companies that are located in the state of Alabama, we are actually licensed out of the state of Nevada.

As far as the laws go in your state the balance actually wouldn't be a lot different than it currently is. According the regulations that you sent me with fees on payday loans, there is an allowable 456.25% apr per $100.00 per 14 day period. You have had your loan for 4 full 14 day periods which on $300.00 would be $210.00 in interest. There is also allowed a finance rate of 17.50%, which is $52.50, and a finance charge of $17.50. That brings the total allowable charges on your $300.00 loan that you have had for 57 days to $280.00, which takes the balance to $580.00.

As I mentioned you have already paid $90.00 according to our records, which would put the allowable balance according to Alabama state law at $490.00. That all being of course if we were in the state of Alabama but since we are not I will settle with you at an additional payment of $390.00 and we will close the account with that payment. If you can send in a bank statement showing the other payment of $90.00 to bring your total to $180.00 that you have paid, we will settle for $300.00. Thank you for your cooperation.

Jenn, Which company is this and are they licensed to do business in Alabama? If they are not then all the interest and everything they quoted back to you means nothing....you have no obligation to them. When you respond, you need to inform them of that if it is the case. As for what you have paid...you have your bank statements to back you up and verify how much they have debited. When you respond include all this. Remind them that your state law requires them to be licensed in your state which they are not, and when you quoted the rates, that is IF they were actually operating legally in your state. IF they are licensed in your state, then you are obligated to work out a payment plan and you need to use your bank statements to prove to them what you have paid.

Impact Cash USA located in Logan, UT. They are not license in Alabama. What do I say to them?

Impact Cash? Send them "the letter" you sent them in the beginning with your amounts paid, your state laws, etc. Send it again. Apparently they're thick. You paid more than what they are saying and they are not licensed to lend in your state (regardless of what they say). Only agree to pay the principle amount. Period. You might have an email war going on here, but it's worth it. Do not let them bully you and feed you crap.

I have received a call from PDM (Pheniox Debt Managemnt. Wanting to settle three accounts. They are not license in the state of alabama

Midland borrowed $300 paid the them $540.00 want to settle for $510.00 Which is crazy???

JD Marketing borrowed $300 paid them $180.00 want to settle for $480.00

Elect. Processing borrowed $300 paid them $180.00 wantto settle for $480.00

What should I do? The PDM companies said that I could contact an atty and the atty would advise me to just pay the amount back. These pdl are so illegal.

Nationalpay Companies has put my Driver Lic. in a checkagain system where I am not able to write checks. National Payday is out of Cosa Rica

Please advise on what I should do. I have already sent letters to these companies, but now it has been turn over to a collection company.

Hey Jenn....PDM is full of it!

Send them this debt validation letter. Now that a collection agency has it, they have to follow the fdcpa and validate the debt upon request.

Quote:

I will get this letter tomorrow. How long does it take to hear from them?

Hopefully you shouldnt hear from them unless they can provide you full validation of the debt. When you servce them this letter, they cannot call or take any further action against you until they validate the debt....they have to tell you why they are saying you owe those amounts. I can tell you, they wont be able to validate.

So will they keep calling. I have learned that pdl companies do listen to the letters and will still call. The telephone # I have is 1-888-622-0222... I am having panic attacks over all this stuff.

Its going to be okay Jenn...dont worry, you can get through this.

If anything, there are certain laws that a collection agency has to follow that original "creditors", such as the PDL dont neccesarily have. The collection agency needs to follow the fdcpa, and in that letter i posted it says this:

Quote:

Here is their address:

Phoenix debt management
PO BOX 11127
Kansas City MO 64119
Toll Free: (866) 504-7548
info(at)phoenixdm.com

Hey VBmom. . .could you answer a question for me? At what point in this process does one ask for a DV? I can't even get a response to my emails, let alone validation of anything. Thanks.

Hi there llw...if its been turned over to a collection agency, you can demand validation of the debt 30-days from the time they contact you, according to the fdcpa.

If its the original PDL you are dealing with, you can demand that they validate the debt, but they arent bound to do so by the FDCPA. :(

Thanks VBmom. Roxy was also kind enough to clarify this for me. I just wish things would get moving so I could be done with it. I hate waiting around!

I have the letter to PDM and they are stilling calling me at work & home. They are also being very rude, and stating that I must pay the money back ASAP or they will request an judgement. I really do not understand all this mess. They are the most rude people.

Hi Jen....did you send the letter certified mail return reciept? This way you can confirm they recieved it.

Also, email them the letter....everytime they call, email them the letter. They are really treading on thin ice here...if you can prove they have received the letter, they are in violation of the fdcpa.

Sent it in the mail yesterday. I faxed it also.. What is the e-mail address so I can e-mail the letter also.

info (@) phoenixdm.com

Email it and in your email, let them know that the letter is also in the mail.

Also let them know that you are logging all calls from that point forward and each call, once they have been put on notice, is a violation of the fdcpa and subject to $1000 per infraction.

Did you send the letter certified mail?