Another PDL email

whiterock. . I wish I had an answer for you on your questions and I also wish you were'nt having so a difficult time with these PDLer's. I haven't received not one email from any of mine and just two phone calls on MyCashNow and PayDayMax. ameriloan settled through the BBB and MyCashNow was marked PIF by CPD. I just Moneygramed the last amount I borrowed from PayDayMax this morning so I am done with all three of them with just the principal being repaid. I think Kash is right, living in New York does have it's advantages (at times) but I have never heard anything from the AG on any of my PDL's so I was on my own in that aspect. I've pretty much stopped giving ANY thought to USFastCash and Star Advance. If they contact me, I will deal with them when the time comes. In the interim I am pretty satisfied with the ease by which the other 3 went away. I am sure that someone on here has the exact advice for you to handle these recent developments. Keep us posted.

thanks, i will wait and see if someone can answer my questions. i am just gun shy on responding to these people because i am afraid i will stick my foot in my mouth, but can't figure out where they come up with $510.00 owing.

whiterock. . .could it be "fees" that they are adding? I know that when I talked with CPD they told me one of my loans was $500 something and I had already paid back my $300. I brought it to their attention and suddenly my account was paid in full. I am sure that it was what they added on after they were denied access to my bank account. They will try and get away with whatever they think they can. Just call them on stuff and suddenly things take a turn southward. Keep after them.

I sort of figured it may be fees..when i logged into my account, it just says $510.00 and nothing else. They don't mention that i have already paid on it, so I want to make sure they are aware of that and not trying to pull a fast one.

They are aware of it, they just will try and get you for every penny they can. CPD pulled that with me and like I said, as soon as I got my feathers ruffled and raised my voice about already paying back what I borrowed, they put me to someone else and that was when I was told MyCashNow was closed and I could "close" my Pay Day Max account by paying just what was still owing. Both of them were closed for the amount of the original loan. I don't think that you would be putting your foot in your mouth if you tell it like it is and it might just seal the deal with them. But. . .if you want to wait for a more "seasoned" response I would do that. All I am saying is, I hemmed and hawed about calling them back and now I am glad that I did cuz in just 5 days, I got a PIF right off the bat and another closed account, as of this morning. You have to get right back in their face. Don't be afraid of them. Keep us posted.

i will... i will go ahead and email them will let you know what they say..

OK i went ahead and replied to the PDL Basically kept it short and sweet. That I did not owe them $510.00. I owed them $120.00 and to provide me an address where i can send my money order. will see what they come back with.

white, that's exactly what you should have done. Do not contact these idiots. Just keep everything in writing. You need this documentation. And where the hell they come up with their amounts is beyond me. Stick to what you have paid and what you owe - period. And they can give you a damn mailing address. Oh, these people tick me off! By the way, is this particular pdl a "legal" one or an "illegal" one?

illegal here in oregon. so i am hoping that they will take what i have offered. If not, i guess i will have a fight on my hands and will just move on to the next one and see what they will except. I still can't get over the payment method. IF I had a credit card, they would be the last people i would give my card info to.

Ah, a nice illegal one. That's where the 510.00 is coming from. They're most likely charging you a million dollars in fees and another million because they haven't been getting their debits. Sorry about their luck. Stick to the original amount borrowed, what you paid, and the amount you owe only to have the principle paid off. If they keep arguing with you, just keep sending the same email over and over again. They'll either get tired of you and agree to what you want or turn you over to collections (who can't collect on an illegal debt). I loved mine. They would claim I owed hundreds on overpaid pdls. I was like "What???" :shock: As you can tell, they are GONE now!

I didn't mention in the email that they were illegal in my state, i am hoping they get the hint that i mean business. If they don't except what i am offering, on to the next guy. At the end of the email, it said do not respond to the email. go to the website and it gives you the same email address. Duh! I went ahead an replied anyway and i am sure they will respond.

Oh hell. I got tons of "do not reply to this email". I just sent emails to the idiots anyway. Lord help them all.

You would think that if they wanted their money they would give a legit address. whether they get the money by money order or what every they should be happy. the sad thing is that they don't think. I need to get my printer up and running so i can print these emails and put them in my file(s)

Oh, white. You should see my "stack". Man, it's ugly!! I saved everything in email and also printed everything out. I'm PARANOID!!

you got that right.

whiterock. . .glad to hear you sent that email. The way I look at it is I really had nothing to lose and maybe, just maybe, I could gain something. Since I was already in the "seek and destroy" mode today, I went ahead and sent another email off to USFastCash letting them know how sick and tired of was of their "cat and mouse" games. I asked them for one of two things. . . a PIF on my account or an address to mail my last $30. I also told them that if I did not hear from them, I was assuming my account was PIF. I do hope that your most recent email will bring you some good news. Hang in there.

USFASTCASH!!!! Ugh! The nightmares! :shock:

cannr. . .since the BBB pretty much told me that they have made a good faith offer, I haven't heard anything from them. I only owe them $30 for God's sake! Is it even worth their time to bother me? I'll just be waiting here for my PIF!

I have a loan out with them also..haven't heard from them since the beginning of the month, but am sure i will hear from them again soon. I haven't paid anything on what i borrowed this time, but my God what i have payed them for the last couple of loans more than makes up for this one..I should have realized something was up with them, when i went to take out another loan and kept getting messages that they couldnt' lend to me..then received an email that their website was having "problems" Didn't have a clue that they were illegal.

llw, I fought like hell with the BBB and USFastCash. They lied their a$$ off to the BBB (of course). We went around and around and finally the BBB closed it because I wouldn't agree to their "settlement" (I had actually overpaid these jerks). So, fine. I put in another complaint to the BBB just stating that they are unlicensed/illegal to lend anywhere in the US. They never even responded to the BBB on that one. So after harrassing USFastCash via email 20 times a day, they blocked my email and told me to leave them alone! :lol: I still laugh at that one! The sneaky jerks tried to then put through an electronic check for an outrageous amount on my blocked account. Sorry about their luck! But they waited like a month or more to attempt that. They lay low and then jump back up. It took about 6 letters from my state AG (and me still hounding them!) to get a letter stating they "wrote my balance off" (WTF?). My AG forwarded it on to me. I guess they got tired of seeing my name about 100 per month!

They have been the most difficult for me to deal with. Everyone else was, ironically, pretty nice to deal with. Let's see if I get a response to my latest email as it wasn't return to me.

OK you guys, now I know that i am deep "you know what" with these guys. My bank keeps trying to talk me into releasing the Hard Block on my acct. After reading what you guys are saying about US Fast cash, i am going to keep that block on my acct.

white, do NOT take that block off your account! OMG! I'm having a heart attack here! While your account is blocked, the pdls are still trying to hit it. As soon as that block is removed, even for one day, they can hit it full force with ACH debits or electronic checks. OMG! Tell your bank NO! NO! NO! USFastCash WAITED over a month and tried to pull a fast one with that electronic check!

whiterock. . .don't ever consider giving them even a slim chance of getting into your account again. Can't you close out the bank account and get a new one? Why do they want you to take the block off, other than the fact that it makes the bank's life a little more difficult and would put a few extra bucks in their kitty? cannr. . .I got the same BS from the BBB. I still keep hounding them with the same C and D letter and I just sent one pretty much telling them that I am done with their nonsense. . . .mark my account PIF or give me an address so I can send the lousy $30 to them. Of course, I am sure by now what they say I owe is more like $300, easily. They can just bite me. They will have to physically come to my house to get it and when they do they will have a welcoming committee who carry guns. (It's been slow around here lately for the local law enforcement. . . they could use a little excitement!)

I don't have any plans to remove the block on my acct. Yes it is a hassel for me to go to the bank everytime i need money, but it is a hassel i am more than willing to live with. This situation has been good for me in one respect. My acct was always overdrawn at the end of the month, to the amount of $300-400. plus i would get a direct deposit cash advance from the bank. when my paycheck would hit, i would be giving the bank about $800.00 right off the top. Now since the block is on, i can't do that anymore. cant use my atm card (which i will admit i abused) nor do i have any checks. when i pay bills, i pay in cash or money order and that is fine by me.

whiterock. . .if that works for you then that is the way to go. I am sure that all will work out...it just takes time.

you are right, it will take time.

received another automated email from ameriloan. so just emailed them back and told them i needed an address to send the rest of the money (remainder of the balance borrowed). I think i will type up another letter and fax it to them just to make sure.
I know they are receiving these emails so they arn't fooling me. LET THE GAMES BEGIN!!!

My vocabulary really sucks..ARNT? I think i may use the extra cash and go back to school... :lol:

whiterock...I have NEVER gotten any emails from any of my PDL's. I settled with ameriloan right off the bat once I filed with the BBB. I think that is also what happened with PayDayMax and MyCashNow.

white, you are right, my friend! LET THE GAMES BEGIN!

Well i heard something from the PDL this morning. Hadn't heard anything so emailed them again and the response was: they are not going to except my offer of paying back the rest of the balance of what i borrowed. Didn't say why just said not acceptable. I am going to respond and tell them that the money i was offering them is now going to be used to pay another bill which it will. Of course they want me to call them and of course i will not do that. Would appreciate any advice before i respond.

Whiterock....for what it is worth, I finally did call CPD and when I did I was able to work things out quickly. One account was PIF and the other was PIF after I paid the remaining dollar amount on my original loan. I also just heard from Star Advance offering me some ridiculous payment plan. I sent an email right straight back telling them that it was not acceptable. Handle it differently or go away. Thanks. Have a nice day. I was not really happy about calling/contacting them myself, but now I am glad I did. They denied you once but perhaps talking with them could bring on better results? Or you could just send them another email if that is more comfortable for you. Hopefully things will work out in your favor. Keep us posted.

i am still deciding what to do. I do not owe them $510.00 as they seem to think i do. I i know i am not going to back down.. i have told them again that they are not licensed in my state, but of course they ignore that part. but if they aren't going to except my offer why deal with them, just move on to the next one.

made my decision. Decided to settle with a different PDL. will see what they say.. if they are agreeable, then i will let the current one i have been trying to deal with that they can just wait to get their money.

whiterock. . .understood. You can't waste time on one when you might get a favorable response from one who is more "willing" to work with you. That's where I am with Star. They have at least contacted me and I countered. We'll go from there. As for USFastCash, I am still waiting to hear from them again. Don't beat yourself up over this. We are in the right. . . .

Oopsy white. . that was me. Darn that signing in thing!

haven't heard word one from USFastCash since the email i received at the beginning of march that they couldn't get my money. I was hounded daily from Webpayday on my cell, at work and at home. So i decided to contact them. Will see what they come back wtih.

just received another automated email from ameriloan. stating that to avoid having to talk with collectors, i need to log on to my acct and pay my overdue acct. if i don't do it know i will be blocked from doing it in a few days. this is starting to make me mad. i offered to pay back what i legally owe them, and they refused. so do i let it go to collections?

i decided to email ameriloan back and tell them again that they are not licensed in my state and that i am only obligated to pay back that principal balance borrowed. will see what they come back with. If they state again that my offer is no good, what do i do at that point? I am afraid if it goes to collection agency the amount they state i owe will go up again since the CA will tack on an additional amount.

whiterock....I still have two PDLs out, USFastCash and Star Advance. I really don't give them too much thought anymore and I really don't care if they send them to collections. Given enough time and rope, they will hang themselves. Once they realize that they aren't going to get the ridiculous dollar amount they are asking for they will take what they invested. I went through an extremely long divorce battle and have dealt with tons of collectors in the process. There is a time limit and if you don't talk with them within that time frame it eventually ends up being a moot point. Once you talk with them, it starts all over again. That's why I ALWAYS request it be in writing. Then if the offer is acceptable I can take it. If not, I'm none the worse for wear. They eventually realize that they are not going to get what you owe plus ridiculous fees and they will then start to settle at a percentage. This is from a legit collector, trying to collect on a legit bill. What do you think an illegal company can do? They too will eventually go away or offer you to pay back what you originally borrwed. Don't get your knickers in a twist over this. They can't come and get you.

Don't have any nickers, but am worried that they are going to start calling the references. At this point, i will see what happens. i guess, i just want to pay them what is legally owed and be done. Apparently that is not going to happen with these people. I guess i was fooling myself thinking they would agree to my side of the issue.

white...don't beat yourself up over this. I too want things to be over and done with... like yesterday. One of my references did receive one phone call from CPD and that was it. That was when I faxed them my C and D letter that I sent to MyCashNow and PayDayMax. I know that UsFastCash didn't accept my offer but I haven't heard anything since. Star Advance sent me a ridiculous payment schedule and I sent them back an email telling them, once again, that they were as illegal as the day is long. Haven't heard back from that email either. Try not to worry white. Have you told your references that they may call? I did and I told them not to acknowledge any connection to me. I do have to admit that once in a while I do worry about them calling work, but I am hoping that it won't come to that. If it does, I will deal with it when it happens. All will be okay.

thank you for your support..i do still worry about the references since i (KICK MYSELF) for not telling them...I have just been hoping that they won't call..I have not heard from US Fast Cash either. I am thinking that that they know they are illegal.(I wish i knew this three years ago!!!!!!!!) i could have saved myself alot of money...but too late now. Now since i think about it, I should have a BIG ZERO on my acct since i have paid them major $$$$ on the prior loans i took out. Think they will give me a credit (LOL)

white....let me think about this.....NO! I don't think the word "credit" even exists in their little pea heads. Why don't you just tell your references now? I never told mine before hand, just after CPD called. I just hate to see you living moment to moment thinking about what they could do, but probably won't. Wouldn't it be nice if USFastCash just went away? With the amount of letters that they must receive from people on this forum alone, I can't believe that they would continue thinking they are right. Msybe they don't know what ILLEGAL means.

No, I know that they know what illegal means, i just didn't get the hint. i remember trying to renew my loan (take out a new one) and kept getting messages that they (US Fast Cash) could not lend to me..I got PO'd. Thought WTH I have been taking out loans for three years and now you are telling ME you can't loan to me.. Boy was i stupid. Did not have a clue they were illegal..I am not going to contact them..will wait and see if they contact me.. Will have to let one of the references on here shortly since they were one i used on ameriloan which is going to go to collections (according to them) shortly. the other reference they can't contact since he only uses cell phone and changed his # about 2 months ago.

well i heard from ameriloan again after emailing them three times with my offer of paying back the balance of the original loan. they came back with a statement that "the company will not eccept the $120.00 and to check my contract.(whats to check if they are illegal?) I then went ahead and filed a complaint with the BBB (not sure i filed with the right place since they have more than one address)
I will see what happens..should i be doing anything else at this point. from what i have been reading, the BBB may "brush this off".

I also received the same automated email from USFC. since ameriloan and USFC are the same, i sent them an email about what i am willing to pay. haven't heard back from them yet.

white, let the BBB contact ameriloan on your behalf. Ameriloan might change their tune once they are contacted by the BBB and accept your offer. You never know. However, on the other hand, they may never respond to the BBB. A lot of pdls just don't respond. But, then again (here I go!), they might respond and say "no, we want xxx dollars per our contract". You can respond to that saying they are illegal and you're only going to pay the principle amount back - period. If they won't budge, then the BBB will say the stupid company made a offer and you refused it and close the case. What the hell ever. When they did that to me, I filed another complaint. It just made me so mad! Usually, on the second complaint, the company just wouldn't respond. Go figure. But, right now, just wait. See what they have to say to the BBB.

If things don't go well with the BBB do i then file with my state AG?

Hell, white! I would have already filed!! When I did my complaints, I did them all at the same time. I went down the line of pdls, filed with the BBB - then filed with the FTC - then filed with the AG. In two days, I had all my complaints done. So, basically the BBB and the AG were done at the same time. It takes the AG a bit longer to respond, so you'll have to wait on them. So, I would do it now.