PDLs in NC

I saw your other post and did not realize you were here! We will move you to the right place! Please list the names of your lenders.

i can not reply---help

nationwide cash, ez payday cash, one clickcash, ameriloan, payday loan yes

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

Pdls are PROHIBITED in your state. This means they are lending illegally to you. You need to close your bank account ASAP to prevent them from debiting any longer. That is your first step. Get control of your money again. I'm going to post something regarding closing your bank account.

i have direct deposits though if I close I could lose my income and my apt....

my direct deposits are life or death or the streets or an apt... what do i do then...i have not even paid the principal yet....revoking authorization???? what is that

Okay. You can put a hard debit block on your account. This way nothing can go through. When I say nothing, I mean nothing. Your deposits can still go in, but nothing goes out. That's why you would need to open a new account (we advise at a different bank) so that you can route your direct deposit to the new account and anything that comes out automatically (payments that are legit). Can you do this? Can you put a hard debit block on your account, open a new account, redirect your direct deposit? Tell your payroll that your bank account has been affected by fraudulent activity and they need to stop direct deposit and issue you paper checks until your new account is open. Maybe they can do that? When I told my payroll I had to close my account because of fraud, I gave them the new bank account information and they changed it immediately. It is possible for you to do this?

they are from social security

Love, your direct deposit can be changed to a new account or bank...do you pay for your apartment through your account? What you need to do then is go to the bank and have them place a hard debit block on your account, so your direct deposit can go in, but no money can come out unless you go into the bank and get it...it means no checks, atm, debit card.

CAnnr, to change direct deposit for social security can take awhile in some cases

no i pay by check...can not do this until april i guess

love, you need to contact social security and find out how long it takes and the proceedure..i am only saying this becuase it took my father in law a couple of weeks to change his direct deposit and he had to do it in writing.

Open a new account. Contact your social security people and give them the new bank account information and tell them to start the deposits there immediately. Put a hard debit block on the old account. I know it sounds overwhelming, but you need to do this. You need to prevent these guys from debiting your account any more. The only way to do this is to block that account totally. Of course, you need a new account for your deposits. You can do it all in one day. If you stress to the social security that it needs to be deposited to the new account immediately due to fraud on your other account, I am sure they can take your new information and start depositing it in the new account.

temporary block is all i can do

they can not do anything

love, you bank will only do a temporary block?

stop payment....HELP

yes--that would block ALL transaction for a few days but they would still be processed...she suggested stop payment

love, it has to be a hard debit block. Tell your bank you need to block your account so there are NO debits / withdrawls at all. YOu need to get your deposits. They should understand this.

Okay, what do you mean a temporary block? Did they say you have to put a stop payment on certain companies? They can put a hard debit block on your account. These are illegal companies taking your money! What exactly did the bank tell you?

We have go to stop following each other :wink:

HELP PLEEEEASE---do a stop payment until I can do a new account??? How do I tell the payday loans they will no longer get payments...some are rather new....

They said that they can only do a complete block on my account--no deposits/debits....or pay $30 each to place stop payments on thecompanies

Right now your main priority is to get that account that the pdls have the information on BLOCKED. You need it to where NOTHING can come out - only deposits going in. You can open a new account and contact your social security and give them the new account information. Your bank needs to put a BLOCK on the account. Not a stop payment, not a temporary hold, but a block. You have fraudulent activity going on. These are illegal companies. Once we get that block on that account so they can not debit any longer, we can get you a letter to send to the pdls. Right now though, we need to get that account taken care of.

when I told her that they were illegal in NC--her attitude was ok but all we can offer is----

You can not do a stop payment. They will just use a different name and debit. A stop payment will not work. I don't understand your banks problem. You can have a "deposit only" status on your account. That way deposits can go in, you can go in and withdraw money and have the block placed back on. You can do this until your social security starts being deposited into your new account. They have to put a hard debit block/deposit only status on the account. Have you spoken to the manager at the bank? Not a teller?

First Charter said no block unless a temporary block

HELP!!!!!!!!!!

When are the pdl debits due to hit your account again???

love, I need to know when your debits are due to hit your account again. Also, what bank are you dealing with?

stop payment is all--i got a supervisor

Cannr, love mentioned First Charter on the previous page..never heard of it...

first of charter

Is this a bank or a credit union?

sorry --first charter...the payment is on the third of the month

bank

On the 3rd of the month is when the pdls are going to debit again? Or is that when your social security is due to be deposited?

both...

both...

i talked with a supervisor and she said a checking account is set up for deposits and withdrawls...only stop payment

Okay. So your deposit is going to go in and the pdls are going to debit on the same day. So, if you put a temporary block on it, does this mean they won't let your deposit go in either????

nothing will go in or out for a few days but they would eventually come through....stop payment is best she said

$150 is cheaper than $387.50

what now---am i screwed???

Okay, we can try this. I'm still amazed that they will not cooperate with you. We can try the stop payment thing (although that's going to cost you money which I don't agree with). However, you would need to tell her EXACTLY what to stop payment on. So you would need to know EXACTLY how they debit. You should be able to see that on your bank statement (she can pull it up at the bank). Have you spoken to a manager? I know you're dealing with a supervisor; however, it's always best to go to the "top dog" and speak to the manager. I just can't see how they won't do a hard debit block for you when these are illegal companies debiting your account.

she said a checking account is for w/d and deposits--stop payments are for oops/illegal transactions....my son said that they can still make a w/d by changing one letter/number--so really what do i do

she also said if you authorized them --did you not know they were illegal---I replied don't the bank know its illegal

how do i deal with the lenders next also will stop payment be effective on the w/ds next month (april...may...june....)

The lenders are the least of your concern right now. Getting a handle on the bank is the most important..do you get your deposit monthly or biweekly?

monthly