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I am not sure where to start

Date: Thu, 02/14/2008 - 14:06

Submitted by anonymous
on Thu, 02/14/2008 - 14:06

Posts: 202330 Credits: [Donate]

Total Replies: 191


I have visited this site over the last few weeks and others trying to find a way out of the hole I am in.
I have both storefronts and Internet loan companies...many you have all had a problem with.
I just want to know the steps to go through to get them all off my back and paid.
I deal with Fifth Third Bank and have read on here that they will open back up your account if you close it. I have heard that some of these companies won't take minimum payments. I have taken out several in the last 30 to 60 days and am going to be really messed up when theat fifth pay day rolls around.
The storefronts I have dealt with for several years.
I could not access the link to self help letters. I am beginning to think bankruptcy would be better.
How I got in this shape was that my husband was out of work for many month's and then got injured and could not work...because of the storefronts, I took out the internet thinking I could pay them back with income tax money? Did not happen...not enough.
Now I am learning that they can take my pay or harass me at work?
Someone explain to me like I am a fifth grader, where to start?


It is a relief to know that the control of my money is back in my hands regardless of the consequences of irrate PDL lenders (internet). I feel not much guilt as I know these companies are scalping most people with these outrageous fees. And I do intend to repay, but on my terms, not theirs. I am not logged in, but it is me.


lrhall41

Submitted by on Mon, 02/25/2008 - 14:36

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I know it's you! :wink: That's the first step - regaining control of your money. It's HORRIBLE when you have not a dime left after these people debit the hell out of your account. Now you can actually pay your bills. I swear, I was THRILLED to pay bills! How sick is that! :lol: You're going in the right direction. And, you know that we are here to help you every step of the way. If you run into any problems, just post. We'll be here!


lrhall41

Submitted by cannr on Mon, 02/25/2008 - 16:16

( Posts: 9317 | Credits: )


The phone calls and e-mails have begun. I am weak. When is the best time to send out e-mails letters to these people? I have to take care of the storefronts before I can promise them a dime and still be able to pay my other bills?
Still concerned about them trying to take money from my paycheck, although I think our payroll dept is too smart to fall for anything like that.
I did not arrange a paydown with one storefront soon enough, so I talked to them yesterday and yes they do pay downs...a cfsa...and I just have to go in one day in advance and she will start them on my following payday which will buy me some time on the other ones.
I do so appreciate you all.


lrhall41

Submitted by egyptcrossarabs on Wed, 02/27/2008 - 09:17

( Posts: 257 | Credits: )


Egypt the best time to send out emails and letters to these internet pdls is after your account is completely closed. I missed that part when I was doing it and they debited my account to no end. I'm still waiting on some claims to go through to reverse those charges. You are doing very well though.

When the calls began, I just did not answer them and when I did I informed them I would not be making any arrangements over the phone. Don't let them intimidate you. Hang in there.


lrhall41

Submitted by annie340 on Wed, 02/27/2008 - 14:42

( Posts: 96 | Credits: )


Egypt, you are doing great. If they are calling, they now know they are not getting paid. Go ahead and send them....Annie is right, if they call, just do not talk to them, tell them to communicate with you in writing if they have something they want to say. You can do this....stay strong and do not be intimidated...


lrhall41

Submitted by RoxyNY on Wed, 02/27/2008 - 16:26

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Okay, egypt. Here's where it starts getting tough, okay? But, just remember, this is the worst part and you will get past it. I promise, I promise. You're doing great with the storefronts. You're really making progress. That's what's important. Your LEGAL ones and you're doing wonderfully! You're going to be really paranoid right now regarding your paycheck and your bank account. That's to be expected. Just check it every 10 minutes if it makes you feel better. We've all done it. I think you'll be okay though; however, I was "Miss Check My Account Every 30 Minutes" for MONTHS. So, just keep on checking it. That's fine! Send your letters to the internets idiots. Email it/fax it/mail it certified. If they are emailing you, respond to every email with that letter. Just keep sending the damn thing every time they email you. If they are calling you, DO NOT TAKE THE CALLS. You don't want to talk to them. Talking to them will only stress you out and scare you to death. If they call and you have an email address, send them the damn letter every time they call. If you don't, but you have a fax number, fax the letter every time they call. Whatever you do, you want everything in writing from these people. Every bit of correspondence needs to be written. You want documentation of everything. You can't document a phone call, so don't take them. I know it's going to wear you down with them calling every 10 minutes, but once they catch on that they're not going to get you on the phone, they will finally correspond via email. This is what you want. They're very hard headed and kind of stupid. So, just keep on sending that letter. Eventually they'll catch on. Be strong. I know, easier said than done. But, I'm telling you, egypt, if we did it, you can do it. We are all the same. We did it and lived! Here we are! And now we're helping you! Soon all of this will be behind you and you will be helping someone! Keep that in mind at all times! Whenever you're feeling weak, down, defeated, whatever, please come here and post. We are all here for you. I leaned on this site every single day when it all came slamming at me. I got so much support and advice that it gave me the guts to carry on. And that's what we'll do for you. I'm just waiting for you to get to the point to where you start getting pissed off and just rip into these idiots! Because, even though it doesn't seem like it now, you will get to that point! I had email wars going on with my pdls. I wouldn't back down. And that's because I would come here and post as I was sobbing and about ready to give up and I got tons of responses and great advice. Then I'd go smoke 200 cigarettes outside and then hit the computer with a vengence against these people! Good advice is to take it one day at a time. Do not let it keep you up at night wondering what tomorrow will bring. Just one day at a time. You have already made such great progress. Look at what you've done so far! You are doing great! It takes time to get this all done, so it's okay. Send out your letters, be a pest and irritate the hell out of them by sending it 40 times a day to them. Do not take their calls. Ignore the calls completely. If they leave you a message, delete it. Egypt, we are here for you. If someone is giving you a hard time, post and we will come answering for you. Then you can respond to the people. It'll be okay. You have tons of support here if you need us. And we can help you if you run into any problems.


lrhall41

Submitted by cannr on Wed, 02/27/2008 - 17:05

( Posts: 9317 | Credits: )


Guys, I was off the computer for a day or two....what a nice surprise. I have had the worst cold.
They have started calling my work place. I tried to call the bank today to permanently close out my account, but never got an answer from them. the hard freeze is in place of course.
I hate the fact that they have started calling tho. You are right Cannr, this IS getting tough now!
I need all the support I can get.


lrhall41

Submitted by egyptcrossarabs on Fri, 02/29/2008 - 15:09

( Posts: 257 | Credits: )


Egypt, You have been through so much. You can do this. Remember, they can not see you and do not know you so give em hell....really though, do whatever you can not to talk to them..I have even answered and when they asked for me I told them I was off for two weeks or whatever and could I take a message. Then I would respond to their call in writing, usually with my pdl letter and the part with no phone calls highlighted. I did everyhting I could not to talk to them...I wanted all communication in writing only. I also kept track of dates and times of calls and if they left a name...who called...I added this to my complaints to the BBB and AG. I kept a log of all calls and written correspondence...I also was sure to print and e-mail correspondence. I put it all in one of those accordian file folders... YOu want to try to do the same. i am pretty sure in the post above Cannr advised you not to talk to them if possible and to communicate in writing...this will help you if talking to them bothers you. Just remember they are people, they do not have special powers and they are no better than you.


lrhall41

Submitted by RoxyNY on Fri, 02/29/2008 - 15:18

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So true, roxy. egypt, these guys like to play head games and scare the crap out of people and make you second guess yourself. If you talk to them, you might get freaked out. Seeing things in writing, you can read it over and over and see what a friggin joke it is. Plus, you want all the documentation you can possibly get. You want it all in writing. It just may come in handy one day to burn their a$$. As for the calls, it's easier to ignore the home/cell calls; however, it's harder to ignore the calls at your place of employment. I was lucky enough to be able to grab the phones and tell them "They no longer work here." Works great. They don't call the workplace anymore. If you have any way of feilding the calls, use it. If you can have the receptionist screen your calls, or have your voice mail take your calls, anything like that, do it. I'd hate for you to be sitting there working away and get a phone call and pick it up and there is some jerk threatening you on the other end of the line.


lrhall41

Submitted by cannr on Fri, 02/29/2008 - 15:56

( Posts: 9317 | Credits: )


I had 4 or 5 PDL's, at the same time. ALOT of money was coming out of each paychack, I recieved. GOSH...I got to the point, I couldn't even put food on the table! I'm a single mom and it was difficult enough. I FINALLY had to close my account and open another one. I am slowly paying this PDL's off, but..doing it when I can do it, not when they want me to. The fees, amounts, etc. were too much. This forum has given me SOO much help and advice, to deal with PDL's on my own.


lrhall41

Submitted by sdchargers_63 on Fri, 02/29/2008 - 19:28

( Posts: 1798 | Credits: )


Thanks for the support...I do not have time to log in, but I really appreciate the *atta boy...or girl*. Charger, I know too it is going to take some time to get through this. I am determined to do it.
None of the callers are identifying themselves and since I do not work nights, I am not getting them.
Next question is the amounts that they ask for being higher than the amount owed? It seems most of mine are not legal, so can they actually have a way to *get* more than what they have a right too? That is the Internet ones.
Somehow, I have to get this over so I can start paying on hospital bills, and other soured bills like a few credit card loans. do you all advise putting these with a consolidation company? I am reading horror stories about some of these...not the one that sponsors this site.


lrhall41

Submitted by on Sat, 03/01/2008 - 14:21

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egypt, good. At least you're not getting the calls. That's a good thing! As far as the internets saying you owe more than you do, yes, they will say that. But, no, you don't. You're illegal ones are friggin lucky you're paying the principle amount back. They should be glad to get that. But, they will kick and scream and have a cow that they're not getting their illegal fees. And, no, they can't do anything to "get" it. What are they going to do? Come to your state and take you to court? Hell no! This is why they harrass the hell out of you. They know that's the only way they can get their money because they have no LEGAL recourse. Just pay the principle amount. Whatever they deposited in your bank account is what you're going to pay them back. They gave you 300 bucks, pay them 300 bucks. You're even. Now, the legal ones, unfortunately you have to pay by their terms. As far as your credit card debt and hospital bills - if I were you, I would post a thread on the debt consolidation forum. There are people on that forum that could advise you of the best direction to go. They can explain the different ways you can handle them, who can help you, etc. Unfortunately, I'm not good at that! But they certainly are! So, feel free to start on thread on that forum also. Ask any questions and you will have all kinds of advice. There are some really good people who know their stuff on that board!


lrhall41

Submitted by cannr on Sat, 03/01/2008 - 17:59

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It is me...just dropping in and checking this thread out again. Wanted to give you an update. My bank has been working with me...they had to take off the restriction overnight to close the account...naturally, one of the internets chose to send a ACH through this night...and two of the checks from the storefronts who said they *had to* send them through? So...I had over 800$ worth of debits come through. But she returned them unpaid and waived the fees for me. But she says that she will have to do this daily until she can totally close out the account, so now I have to wait a bit to send out those e-mails/letters.
Slow but surely I will get out of this?


lrhall41

Submitted by on Fri, 03/07/2008 - 07:12

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Hey...I am here for the long run.
Had a discouraging second week with one of the storefronts. the husband told me $50 every two weeks...now the wife says NO WAY, she wants a *paydown including her fees*. She got very mad at me today and refused to accept what her husband agreed to and HE told her it was $60 every two weeks he agreed to. Then she bascially called me a liar and told me how I was ripping her off her fees. I told her I would agree to any arrangement, but she and her husband need to be on the same page. I know she is not so dumb as to believe that companies don't drop fees and allow paydowns?


lrhall41

Submitted by on Fri, 03/07/2008 - 15:43

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egypt, first of all, it's wonderful that your bank is working with you. Really, it is. A lot of people have a tough time with their bank. Yours sounds as though they are going to do what it takes to get this taken care of. Yes, slowly but surely. Great job with the bank. That's the most important step. We're going to get you through this. Apparently the storefront you're dealing with (posted above) is some privately owned storefront? A husband and wife run it? I have to say, that SUCKS. Not only do you have to deal with making payment arrangments with a stupid storefront, you also have to deal with the disagreements between a married couple. Good Lord! I wish to God that you had gotten that $50 payment arrangment with the husband in writing. So where do you stand with them now? Still in limbo? Waiting for the wife and husband to agree to something? Let me know what's going on there. If they do agree on a payment schedule, please try to get them to put it in writing. Hell, sign the damn thing if you have to and have them sign it with the friggin date on it. Whatever you can get from them showing the agreement, get it. It sounds like some little dinky famiy owned place?


lrhall41

Submitted by cannr on Fri, 03/07/2008 - 17:37

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Okay, so I'm still sitting here stewing over your storefront. Now, I'm thinking about the wife getting all pissed off at you and basically calling you a lier. Now, let me ask you this, what can they do? They can not CRIMINALLY prosecute you. If she thinks she's going to have you hauled off to jail because you won't pay what she thinks you should pay, she's got another thing coming. If they want to play head games (and obviously they do), they can just turn the damn check over to collections. Hell, then you can certainly make payments. Of course it's better to pay the storefront. However, sometimes it's easier to deal with the corporate office (if they have one) or a collection agency (they will at least JUMP on the $50 every two week payment arrangement). Keep that in mind when these idiots start playing yes and no games with you. One would think they would be happy getting your payments and getting their money back. And her claiming all that crap about the "fees" just goes right through me. egypt, stand firm with them. They aren't going to call the cops and have you taken away. I've been in storefronts before, standing in line with all the others, and seen quite a bit of confrontation between customers and the manager. Quite entertaining! But I'll never forget the day one man came in and got into an arguement with the manager because the manager wouldn't take his partial payment. The customer threw his hands up in the air with his money in his hand and said "Hey, I'm trying to give you money! You don't want it fine, I'll just take it with me." The manager had some words and the customer said "Do what you gotta do!" and out the door he went with his cash still clutched in his hand. How much do you want to bet (and I really believe this) that they kept that check there and contacted that guy and said "Okay, bring in your payment."???? I would bet money on it. They just want to be paid back. If they refuse to take your money, they're idiots. Man, this just ticks me off to no end.


lrhall41

Submitted by cannr on Fri, 03/07/2008 - 17:46

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Cannr, I have been upset about this too....The husband is the one I originally dealt with and is a decent guy. She really got mad when I told her both her worker and husband told me they would work out a pay down with me and she started to tell me that she was losing so much money. Somehow she says I am now *ahead* and she is out money? She told me she has to stay right with the state? Her name is on the license.... I think she is hacked because I have been handing them $120 a month for two checks.
My best option may be to pay them off asap...I think she is trying to get me to cont. to pay the fees and just add an additonal amount to the principal until I am out from under them.


lrhall41

Submitted by on Sat, 03/08/2008 - 15:09

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egypt, that's exactly what this wicked witch is up to. Hell, she was making sooo much off of you with you paying and rewriting all the time. Bull crap that you're "ahead and she is out money." And she has to "stay straight with the state"??? WTF is she talking about? You're doing everything right. This witch is just trying to keep you sucked into the vicious cycle of never ending check writing. That way she continues to get her friggin fees (which is why we don't want to rewrite anymore!). It's killing her that her "good customer" who's been handing her money all this time wants to GET OUT! She's not out any money. You're paying your loan amount off. She's out nothing. EXCEPT more finance fees since you're not going to rewrite. I had one storefront manager like that. A total major jerk. He would say/do anything to get me to rewrite. He had me in a bundle of nerves. I actually borrowed from a friend to pay the friggin storefront because the manager "bullied" me into it one time! Then I got pissed and said NO MORE. I made my payments. I hated walking in there and seeing his face and he always had comments when I walked in there. He tried to play the game with me. Nope. I finally got the jerk paid off and I will NEVER walk in his store again. Do you know how many YEARS I was a customer there? I'm sure he saw dollar signs floating out the door as I walked out on that last day!


lrhall41

Submitted by cannr on Sat, 03/08/2008 - 16:01

( Posts: 9317 | Credits: )


cannr. . .you are just too funny! I love reading your posts. Off topic. . . .is that you dog? Do you just have one? Please keep up the good work here. . .you are an inspiration, as is all of the wonderful people who have gone before me. I really don't know where I would be right now if you guys hadn't taken me under you wing. It's still gonna take me a while to "CATCH UP" on my legitimate bills but I'm working on it and it gives me some peace of mind knowing that my money is going where is should be going and not lining the pockets of the criminal element out there.


lrhall41

Submitted by llw1995 on Sun, 03/09/2008 - 09:16

( Posts: 1422 | Credits: )


llw, thank you! :D It's my pleasure to post and help anyone out. I know when I first came here, I was probably the most frightened person in the world (felt like it to me anyway!). I don't want anyone else to feel that way. And, I'm glad you like reading my posts! Sometimes I get carried away because it just burns me up what these idiots try to do! And I don't want anyone thinking they are doing anything "wrong" as these idiots tell them. It goes right through me! And, this site is what saved my sanity. I thought I was going to have to pack up, leave state, and start a new identity! LOL! Then I came here. Thank God! Got all the retarded pdls taken care of and now I'm here to help others get to where I've gotten and many others have gotten. I swear to God, I never thought it would end. But it did! So I try to let everyone know that it IS possible! I don't have a whole lot of faith in myself, so doing this myself and coming out on top is quite an accomplishment for me! That's why I say "If I can do it, so can you!" Thank you so much for your wonderful words, llw. It makes me feel good to know I'm helping. (And entertaining people!!! :lol: )


lrhall41

Submitted by cannr on Sun, 03/09/2008 - 10:12

( Posts: 9317 | Credits: )


cannr. . . you seem so confident I find it hard to believe that you were so scared, but then again, I am a fighter and I thought I was going to lose my mind with worry too. These people seem to wreak havoc in every aspect of our lives. I was cranky, tired, frigthened, mad, worried.. . .you name it, the emotion was there. Now, I just go about my business and when I hear from them, I deal with their crisis du jour. It would appear that many of us are finding articles regarding public awareness of these monsters and I am optimistic that they will someday be obliterated. I feel if I can stop just one person from contributing to their "business" then what I am going through will be worth it in the end. Thanks to you guys I am sure that they are getting bombarded with C and D letters so they must be seeing the handwriting on the wall. I feel your pain of being carried away with what is going on. Somedays I just wish I could go to these people personally and slap them upside the head. But. .patience is a virtue and given enough rope they WILL hang themselves. Keep the smiles coming!


lrhall41

Submitted by llw1995 on Sun, 03/09/2008 - 10:39

( Posts: 1422 | Credits: )


I am not sure why, but when I logged in, it said I did not have access to the debt section? Then it allowed me here? Hmmm.
Well, reading these last few posts and your emotions doing this, I had to ask if you guys had been reading my mail. I have worked the last two nights...12 hrs. and work the next two nights...not to mention I had my daughter wake me up after an hour and a half of sleep to let me know we were out of everything....Arghhh.
This epidode above was so upsetting to me. I consider myself a Christian person? But these folks are the kind who profess God in everything they do in their business. Lots of literature from their Church and in their speech. Am I missing something here? I mean, I went to them honestly and asked for this paydown relating to my checking account and late problems of decreased income with my husbands accident, etc...and what do I get from her? She calls me a liar and a cheat and I have paid these checks off probably three times over in the fees alone.
On the bright side, I have one store half paid and the other down by $200 or so? Unfortunately I can't do them all on repayement plans at the same time, but I figure a couple at a time...
But I know hat you mean about the anger, frustration and dpression for sure. I am there. I keep thinking maybe it would be better to bankrupt than go through *trying to do the right thing*.


lrhall41

Submitted by egyptcrossarabs on Sun, 03/09/2008 - 11:25

( Posts: 257 | Credits: )


When working with horses, you always *end on a positive note*, no matter what havoc they have reeked during a *session*...I checked out the *old account* as I read one of our members had a problem with an account that was *closed to debits* and it got debited anyway ...ahh paranoia...and I heard the comforting words...not a neg. balance, but "This account is CLOSED"


lrhall41

Submitted by egyptcrossarabs on Sun, 03/09/2008 - 12:03

( Posts: 257 | Credits: )


egypt, you're not the only one saying "denied access". I think they're doing something with the site, but as you did, just click on the link and you're in. And I honestly am sorry you're going through this. It just goes to show you that people's "true colors" do come out. And, unfortunately, we find their "true colors" the hard way. I call them "two-faced". When they get what they want, they are saints. When things don't go their way, they become devils. And it's sad. Of course you went there honestly and you went back and you were honest about your situation and didn't try to pull anything on them. That's why I got so mad at these people when you posted. One would think that going in, being honest, making an attempt at payment, would result in a GOOD ending. Unfortunately, there are those out there that don't want that. They want things their way or no way. Not a good way to live in my opinion! And, you DO have a bright side! You're getting these paid off! Yes, slowly but surely. You're paying them down. It'll take time, and that's okay. You're doing it right. If you can just do a couple at a time, then so be it. Take it one at a time. Soon, it'll be over and done with. You'll look back and you'll be proud of yourself. I know you will. I was! And, you'll be glad you didn't do the bankrupt thing. You can do this, eqypt. It's tough. You'll get discouraged. But keep on plugging along. I was thrilled when I got ONE storefront paid off! It gave me the incentive to pay the next one off, and the next one off. No, it didn't happen overnight (I wish!). But it did happen. I hate to hear you feeling down. You've come a long way since you first posted, don't you think? You've taken the steps in the right direction and you're making progress. Don't let a bump stop you. It's a learning experience. You'll find out how nasty some people can be. But YOU will be the better person in the end. Remember that!


lrhall41

Submitted by cannr on Sun, 03/09/2008 - 19:21

( Posts: 9317 | Credits: )


Egypt..You have come so far in all of this. People like that woman are just plain miserable and ugly. Cannr is right, you will be the better person in the end. I believe you get back what you give...and I believe hers is comming, you may never see it, but it will happen. My mom always taught us to take the "high road" and I try to do that as much as possible, but that does not mean I will not fight for what is right. Keep fighting the good fight. It has gotten you this far.

P.S. I think Cannr was a preacher in a former life. :wink:


lrhall41

Submitted by RoxyNY on Mon, 03/10/2008 - 09:43

( Posts: 4178 | Credits: )


Not taking the time to log in...Roxy, I am sure cannr was at least a cheerleader, both of you are so good at the encouragement part.
Somewhere, deep down, I am hearing this voice that says not to panic...what is the worst scenario and the best scenario or out come with any of this?
I am reading about people who are 30 or 40 thousand in debt (not just payday) and I am no where near that deep, but keeping everyone paid or just finally getting money to them because of these sucko PDL's has been an albatross around my neck. AND I only got them to pay bills! that is what is so insane.


lrhall41

Submitted by on Mon, 03/10/2008 - 13:14

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egypt, listen to that inner voice telling you not to panic. Or at least listen to US telling you not to panic! Honestly. I'm being serious here. What's the worst case scenerio? Well, you might get some stuff sent to collections. Okay. We can deal with that. Best case scenerio? You're going to get all this crap paid up and be done with it like we are. There you go. You're not going to jail. No one is going to take your home. You're family will always be there. The worst thing is DOING it, and you are DOING it. It'll get easier. I can promise you that. It was ugly, ugly, ugly in the beginning for me. Man, I didn't think I was going to be able to make it through. However, come here, vent, sweat, cry, moan, complain, do whatever you have to. We can help you when you run into problems. If you get slapped over to some insane collection agency, we can help you with that. We've been through it. So don't think that you're alone. egypt, I've had my bank account forced open, had to fight with the bank, had a new account "found" and debited, fought with that, been turned over to collections for illegal pdls, had to fight with that. Been hounded by storefront jerk offs, had to fight with them. Got the crap scared out of me with a wage assignment sent to my employer, had to take care of that. Hell, I was getting it from all ends!! I can sit here and laugh as I type this now. And, you will be doing that too! As hard as it is to imagine right now, you will be laughing at all the bull you went through. It sure will make you a more knowledgeable person! That's one thing! I learned a lot! And there are soooooo many people on this site that have gone through it all. We can help you with whatever you're having problems with. If we don't know the answer, we can get someone who does. So, worse case/best case - my answer to you is that you're going to come out on top and all this will be behind you. I'm telling you from experience and so will many, many others. I know you've got it in you, egypt. If you need to come here and just post your fears or your disgust, please do. We are here. If you run into a brick wall and are stuck, come here and post. We can help you. If you have a set back, post. We're here still! We will be here for you to help you the entire way until you finally post "I am pdl free!" :D


lrhall41

Submitted by cannr on Mon, 03/10/2008 - 17:49

( Posts: 9317 | Credits: )


Egypt...All I can say is that Cannr is so very right. Like I said, you have come so far. So many of us have been where you are and have made it to the other side. You will too. We will be here for all you ups and downs, to encourage, advise and help as much as we possibly can. I stuck around becuase I will never forget the desperation I felt when I first posted and then the relief I felt when all these people jumped in and helped me. And now...things are soooooo much better. You will get there. And we will be here for anything you need. :sun:


lrhall41

Submitted by RoxyNY on Mon, 03/10/2008 - 18:14

( Posts: 4178 | Credits: )


Yesterday I went in and had a sit down talk with the man who works for that lady...he mentioned that he has been *yelled* at by her before too and it was not pleasant. I told him I had no clue as to what she was asking of me. He called her husband who told him to call her and the essence was...pay the $120 a month in fees and somehow out of the kindness of her heart, she would knock 20$ a month off the amount I owe...keeping in mind the past two weeks I gave them $110 toward what I thought was a paydown.
He told me I ought to default on the loan...which of course would be send to teletrac (or whatever) and I could never write another payday loan.
Cannr, I am getting mad now? Do you mind telling me what company tried to attach your wages? Far as I know, my account is closed (and another opened)
I am getting a slew of calls. The ones most appealing are the ones from BIG as I cannot even understand a word of what they are saying to me.


lrhall41

Submitted by egyptcrossarabs on Thu, 03/13/2008 - 16:53

( Posts: 257 | Credits: )


egypt, okay, you're going to have to file complaints against your storefront. They have left you no choice. I went back through and read this entire thread and your state pdl law. I am going to paste something from your state pdl law for you to see what I'm talking about:



What this storefront is doing is WRONG. Your 120.00 is to be applied to the loan amount, not "fees". As it states, NO ROLLOVERS - CANNOT RENEW OR OTHERWISE CONSOLIDATE. By them taking your 120.00 and saying it's "fees" is rolling it over. Prohibited. And her saying she will "knock off" 20.00 per month on what you owe - prohibited. The payments you are making are to be applied directly to the loan amount. They are breaking the law. Period. Honest to God, egypt, I'm not lying to you. You can read it for yourself. They are ripping you off and breaking the law. File complaints against them now. As for the gentleman telling you to default on it, he may have a point. Let me just tell you a little bit about defaulting on a storefront pay day loan. If you default, they can send it to collections (which you can make payments), they can send it to their corporate office (I'm not sure if these guys even have one!) for collections (which you can make payments), they can send it to an attorney for collections (which you can make payments; however, the attorney will add his "fee" on to the amount owed). OR they can take you to CIVIL court. I pasted the information from your state pdl law to clearly show you that criminal action is prohibited. They will not "come after you" and press criminal charges. No. They can take you to civil court if they want to be a$$holes, and that's just fine. But, please note, that it does state you may have to pay court costs if this were to happen. So, worst case scenerio? They make you go to civil court. What happens? You can set up payments. I mean, HELLO! These guys are friggin INSANE at this storefront. Insane. I just wonder what would happen if you waltzed in there with a copy of the state pdl law and shoved it in their friggin face. They are breaking the law. Now, as for defaulting, what MIGHT happen (and they don't all do it), is that until that check is paid in full, you may lose your ability to write checks. This is not a horrible thing. Hell, I went through it. While I was paying one of mine off, they did report me. I couldn't write checks. I could use my debit card, anything else, ATM machine, whatever. I just couldn't write a check in a store. I could still write checks to my bills, just not a store. It would get rejected. As soon as the check was paid in full, it took about 3 days for it to be removed from "the system" and I could write checks again with no problem. There were no negative marks on me. Nothing. I was just temporarily unable to write checks at a store. I didn't mind because then I would just use my debit card. It honestly didn't hurt me one bit. I understood. I was like "Okay, when it's paid in full, you'll remove me from the system, right?" Yes. And, yes, I was removed. It doesn't stay with you forever. I'm "normal" now! So, my point is that actually you CAN just stop paying these a$$holes. However, keep every single receipt with every single payment you have made towards the balance. Keep notes of what the wicked witch has told you. File complaints against them. This way, if they do decide to take you to CIVIL (not criminal) court, you will have so much documentation, it'll make them look like the fools that they are. And, you have every right to be mad. These guys are breaking the law. You don't need the stress. You're right - they are wrong. You can stand firm behind that. I swear, nothing "bad" will happen if you default. Hell, I had to default on mine in order to get payment arrangements! So, I did. I was scared to death, but it worked out perfectly. I got everyone paid off. So I couldn't write checks for a bit. That was the worst of it. Now, is that so terrible? No. Well, if you have a debit card, you're fine. And you can write checks for your bills. Just not at stores. And you will be removed from "the system" within days of having the check paid in full. Please reassure yourself by reading what I have quoted on here about your state pdl law. They are doing "rollovers" - prohibited. And criminal action is prohibited. You don't have to be afraid. Okay? They are robbing you.

Now, as for who tried to pull the old wage assignment on me - it was Cash Transfer Centers. Notorious for sending out wage assignments. BIG are just a bunch of jerks who's job is to call you 100 times a day and spout gibberish in your ear that you can't understand. They will argue your head off and they are wrong in everything they say (if you can make out what they are saying). If they call and you answer, hang up. They will call a million times. I hate to say that, but they will. Honestly, I changed my phone number to prevent them from calling me anymore. I couldn't stand it. After screaming at them and going around and around with them and them calling my phone 20 times a day, I said "Screw this" and changed my number. They can't do crap. All they can do it sit in their country and dial phone numbers. Do not let them intimidate you. They are worthless. They didn't do a wage assignment on me. After changing my number, I don't hear from them anymore. And they can kiss my a$$ anyway. I overpaid the idiots. They never responded to my AG. I just let it go. To me, they don't exist.


lrhall41

Submitted by cannr on Thu, 03/13/2008 - 18:14

( Posts: 9317 | Credits: )


P.S. - I was just reading through your thread again. When this gentleman told you that you could "never write a check for a pay day loan again" - that is not true. This particular storefront may not let you write one again (and you don't want to); however, once your check is paid in full - you are no longer in any "system". Not saying that you're going to go to a storefront and write a check again, but I just wanted to let you know that is not true. Your account will be just fine. You can write a check to anyone you want once this one is removed as paid in full. I don't know if he said that to "scare" you or if he said that because that's what the wicked witch told him. But, it's not true. Yes, you can write a check again.


lrhall41

Submitted by cannr on Thu, 03/13/2008 - 18:22

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I am not sure how to use the quote option....but I am confused..what makes this rollover different from a re-write when you pay the money + the fee and write your check. I did not take them $230, I told them the account was closed? I only gave them the $50 the first time thinking an agreement had been made that this would go toward the payment.
And what does it mean to consolidate...not the same as a paydown in which everything would go toward the principle?


lrhall41

Submitted by egyptcrossarabs on Thu, 03/13/2008 - 18:33

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And I am thinking he meant it would be reported to just that company that checks for other payday loans, rentals, etc. Not the company that says you wrote a bad check...how could they call it a bad check when they knowingly accepted a check with you having no money in your account? One is TeleChek and one is Teletrac...I think.


lrhall41

Submitted by egyptcrossarabs on Thu, 03/13/2008 - 18:41

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egypt, okay, I think I know where I got the 120.00 from now. They want 60.00 every two weeks? Is that it? And it's going for "fees", correct? What the law states is that you have to go in there, pay the amount in full, and then rewrite another check. Not go in there, give them 60.00 for "fees" and carry it over for another two weeks, go in there, give them 60.00 for "fees" and carry it over another two weeks. That's rolling it over. They must take full payment and you can rewrite. They can't take "fees" and roll it over for two more weeks and pay "fees" again. It's prohibited. So every payment that you have taken them, it should have been applied to the loan amount. They are carrying the loan over (rollover) which they are not supposed to do. And I see what you're saying about what the guy told you about reporting you so that you can't take out another pdl or go to a rent-to-own place. That's an internet "thing". If you default on an internet loan, they send it out to let the other pdls know you defaulted, so if you attempt to take out another internet pdl, you're going to be turned down. And probably for a rent-to-own place also. Am I making any sense here? I try to type it so it makes sense! It's in my head, but putting it in words is hard!


lrhall41

Submitted by cannr on Thu, 03/13/2008 - 18:55

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roxy! I'm sorry! Don't cry! You'll make me cry! I swear, some of these places that just take advantage of people drive me insane! They are breaking the law, scaring people, etc. It's uncalled for. And you wonder why people throw themselves in front of moving vehicles?!? Good Lord! How these people live with themselves while treating people this way and doing business this way is just beyond me. How many people get ripped off, taken advantage of, scared to death, threatened, etc. when all they are trying to do is the "right" thing and pay back their debt. It's unbelievable.


lrhall41

Submitted by cannr on Thu, 03/13/2008 - 19:24

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All I have to say is I am really glad you are on our side. I agree with you whole heartedly. It really upsets me when someone gets on here a posts how badly they were treated. But that is what we are here for..to help them and that is why we stick around. We made it through and so will egypt and all the others that get help from this site.


lrhall41

Submitted by RoxyNY on Thu, 03/13/2008 - 19:32

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Man, I have to admit I got tears in my eyes when I asked this guy, "Then what you are telling me is that she wants $60 every two weeks and she wants these for fees and for that she will knock off twenty dollars a month? It would take me two years to pay this off." And he just shook his head yes? I then asked him where the twenty dollars a month she was taking off came from if not the $120? Quick math...the remaining $100 x 20 months= $2000. Right?
Not that I intend to do this. I have already paid on these two checks for over a year...$120 x 12 =$1440.00 -$460 that I borrowed, gave them 980$ profit.


lrhall41

Submitted by egyptcrossarabs on Thu, 03/13/2008 - 19:42

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egypt, now you are seeing it, my friend! I was getting worried for a minute! Yes, your math is correct. What they are doing is not allowed in your state. They are breaking the law. They are ripping you off. They are wrong. If you were to default (stop taking payments in), they would have to do SOMETHING. Whether it be sending you to collections or taking you to civil court. Whichever they decide to do, you have your receipts showing your payments. You have your notes (write everything down). File complaints against this company. You will be so prepared for whatever the wicked witch comes up with, it'll make her illegal head spin.


lrhall41

Submitted by cannr on Thu, 03/13/2008 - 19:46

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