I have 15 payday loans and need help

okay, here is my 4th question on this page. I thought of it last night as I was going to sleep. I can't send the letters out today via certified cause I am overdrawn. If I send out most of the letters via email tonight, is it okay to wait until tomorrow to send out the hard copies? I am getting so scared, tomorrow is the day all of their debits are supposed to hit. I went to the bank yesterday and they said they put a hard block on the account. I keep thinking, what if it doesn't work? I think I will call this morning just to make sure it is really there!

Mom I have not sent out the letters either. Try to remember you have overpaid most of these so it is a technicality anyhow? Right. They cannot debit because of the hold and if you are overdrawn, they would not be able to anyway? Right?
Most of these will not know that your account is closed/on hold for several days as it is?

at least ur account is closed. i thought mine was, but unfortunately it isnt. i have to go to the bank today to put a HARD BLOCK ON IT. when i called first, they said oh its fine we'll close it.. and then i called yesterday and they are like 'oh no.. we cant close it til these pending transactions are paid bleh bleh".. one is something i charged on WEDNESDAY which should be cleared by now! im gonna ask if they can force pay it, close the flippin account or AT LEAST do something. its annoying.

momof-Hi there!
Tried to get on last night, but fell asleep early.

Both of those paragraphs above look great! You are right on track. You can start emailing them and if you can, get them sent via Cert mail this weekend.

Keep checking your bank account for sure....I checked mine daily even after I was told not to worry.

..and we can help with the addresses.

AIP address
2207 concord DE Wilmington 19803
FAX# 800-593-0925

World wide cash now/telmerica
2207 concord pike #449
Wilmington, dleaware 19803

Cash Advance Network
11024 Montgomery BLVD
NE PMB 265
Albuquerque, New Mexico 87123
Phone: 800-992-9200

I am coming up blank on Amcash and 356fast cash. I hope someone else pops in who can help. Do you need any others?

Thanks for all of those addresses! That is all I need except for the 2 you are having trouble with. The thing I 'm worried about is even though I am overdrawn right now, my paycheck hits tomorrow and I don't want them to get anything. I have to pay my rent. But, I will just keep checking with the bank to make sure this cannot happen. I just keep thinking that so far the process of keeping them away from my money has been too easy and I am waiting for the other shoe to drop. It is hard to be optimistic, but I am trying. It is definitely much easier with all this support and help.

I felt the same way....I thought, "ok, I am going to check the account the they all hit?". But nope, no issues :) Expect the bank to cover your overdrafts with your deposit.

Kash, you rock!!!

Thanks guys. I cant even find e mails for them. UGH!!!

One more question, when I send off the letters, do I just sign my name or do I put my SS# on there so they know which account it is for as well? For most of the companies that is how they idetify me when I call, I don't really have an account number with them.

Hi there...I used my ssn along with my name. After all, they already have it and you're right, for most of them, they never gave an account number and use the ssn as an identifier.

Whew!!! I just got back from the bank and there is definitely a hard block on my account!!!! She even turned her computer around and showed me the screen with the giant red block on it!!!! So tomorrow I go get my rent, they close the account and I get a new one!!! 1st step almost done!!!!!

even turned her computer around and showed me the screen with the giant red block on it

:lol: You are priceless!!!

You are on your way!! That is great news!

close my account cuz of a pending transaction. luckily the PDLs have no clue what im trying to do right now.. but this is aggravating. i keep telling them i want to block it and they tell me theres nothing i can do if something is pending. i hope it clears today

Wow cnina, that more than sucks. I wish I knew more about that than what I have learned here so I could tell you what you could do. When are your next PDL's supposed to hit?

Okay, so I went back over what everyone is telling me to do and just want to clarify, Volleyballmom, that I should NOT send out any letter until my account is actually completely CLOSED? If so, good thing I went back through everything! Let me know when you have a chance please. Thanks again for all of your help!!! :) :) :)

I know this is after the fact but....Did a little research and found where it was posted that AMCash Funding is associated with National Processing....here is the information for them

NAtional Processing
PO BOx 7666
Overland Park, Ks 66207-0666
800-701-5215

or

PO Box 140010
Kansas City, MO 6414-0010

and on 365fast cash I found a phone number
800-913-0715..no leads to an addy yet.

Volleyballmom, that I should NOT send out any letter until my account is actually completely CLOSED?


Good morning momof-Yes...you are right on. It should be closed today right? :D

Heres why we recommend that...if the PDL's get a hint that you are closing your account, they will go in a debit everything the possibly can immediately. So if they get the letter and still have access to the account, they will bleed you dry.


Roxy-thanks for the address

Roxy, Thank you for the address. You have been such a help and support here! Volleyballmom, thanks also, yes I go close my account this morning. When I first got up this morning, I logged on and my email comes up automatically and there were emails from some of my PDL's saying that my installment had been processed. I freaked out! But then I just checked online and my paycheck was deposited and nothing was taken out!!!!!! What an amazing feeling to have my rent and grocery money! Thank you, Thank you, thank you to everyone one here!!!! :D

Mom...I am so happy you have your first paycheck. It is a great feeling to be able to shop and ..I know this will sound odd...pay the bills. :D I am doing a happy dance for you ! You are on the right path and are doing an awsome job. You also have been a great source of support for several of the members on this fourm and I know it is appreciated.

It is a great feeling to be able to pay your bills. Congrats on all you have done so far. We are all here if you need us.

I know, I never thought I would be so happy to pay bills!

Neither did I...and on time!!! The electric company did not know what to do! :D

Good for you Mom! Have a good day......

That was me, I got logged out

Its a great feeling to pay your real bills! I remember getting my first direct deposit without the PDL fees.....*sigh*, I felt like doing backflips!

So I went to the bank and opened a new account. They are going to leave my old account open for a couple of weeks on credit only, just to make sure no more credits hit my account. Then we will close it permanently. Is it okay to send out my letters with the account like this?

Yes, go for it. As long as any debits are no longer allowed on the account, then ok to send those letters.

Sounds like a project for the weekend :)

Mom, mine stayed like that for about six or so weeks with no issues and I opened my new account at the same bank too. I just checked it several times a day until the old account was closed for good.

Okay, so I went to start sending out letters this weekend and all of the sudden I have been paralyzed with fear to send them out. Has anyone else ever felt like this about sending out their letters? Or am I just super lame?

At first, I was just a tad. But then as I starting thinking about how much of my hard earned $ they bled from me, my fear suddenly went away.

Be strong! You can do it! :D

Mom, I can understand the fear. But you have gotten through the hardest part. You closed your account and took control of your money. JUst remember these companies are illegal and you have the control. You can do this. We are here for you. :hug:

Thank you, I did it, partially at least! I have sent emails to the pdl's that I can. Tomorrow, I will get out the hard copies of the letters! Then I am sure there will be many questions about filing complaints with the AG and the BBB!!! Thank you again for your support!!!!!

I had several payday loans a couple of years ago. Not anymore. Declared bankruptcy a couple of yrs. ago and those accts were done away with. Not advocating that you do the same. Follow the advice about getting control of your payroll check and bank acct first. The payday loans are a scam, and they provide more of a huge disservice to people than they do anything else. Once you get caught in the loop of "robbing Peter to pay Paul", it's hard to get out of it. These companies count on it...that is why the charge such enormous fees. They know that people are going to find themselves in dire straights needing money for any emergency that pops up. They make a profit off of other people's misery. Seems there is a lot of that going around.

Today I am getting my first phone calls, so far one from United Cash who I have way overpaid. So I am not so worried about that one. The second one was from E-Payday who I still owe about $210 on the original amount they lent to me. I sent out letters last night via Email to almost all of my companies E-Payday-Loan and United included. Both of the calls I have received have been at my work. I guess my question is that if I have requested that they not call me and correspond only via mail or email, do I have to talk to them? If not, what can I do? Just keep sending them emails?

Mom, No you do not have to talk to them. Yes, you just keep sending them e-mails. I would add a commentary and past in my pdl letter each time a company called. I would do that over and over. I wrote something like, I was contacted on (date) at (time) by (whomever left the message). I previously emailed, faxed and sent you a letter on (date). In that letter I specified I was not to be contacted and all communication would be in writing only. I will not communicated with (company name) otherwise. I have placed my original letter below outlining my instructions. ....or something like that and would e- mail it every time a company called. Sooner or later they will quit calling.

Thanks, Roxy. Even though I know they can't do anything to me it is scary when they call. I have another question as well. When I file a complaint with the BBB, do I do it in the state their address is in or in my state?

i would keep track of all phone calls.you can always file follow ups.that is what i did.

Mom, when you go to the bbb site, it will redirect you to the correct bbb when you type in the address. I know what you mean about the phone calls. After the first few treating me like dirt, I just started not to take calls alltogether. I do not deserve their abuse. Also, Paul makes a good point. Keep track and followup when you have time. It is also good to keep track so you can be really specific when you file your complaint. I did that too...I would put in my complaints that they called 23 times in one hour.

Thanks Roxy and Paul! I will do that. I also did what you suggested Roxy and sent them emails regarding their phone calls. I will continue to do that as it seems like a great way to log everything for my records. Great news, too! I received my first PIF letter from Paragon! I was surprised at how fast they responded.

Mom!!! How awsome for you!!! I am doing a happy dance for you! A PIF is such a great feeling...of victory. I am so very happy for you! :D

Volleyballmom, I was just re- reading some previous posts and you said that you sent a letter to Cashnet USA to propose a payment arrangement? What did you say in this letter? I don't think I should send them the same letter as I sent the others since they are legal in CA and they are calling me. I would really prefer communicate with them only in written form. Let me know when you have a chance please. And thank you in advance for your help!!!!

HI momof-
I owed CashnetUSA $300 (loan for $255, fee of $45). Here is what I sent them. IRONICALLY...I didnt get around to paying them as I had proposed and they sent me a settlement offer of $150 to PIF.

I understand that I have an outstanding payday loan of $300 which includes the principal balance of $255, plus the $45 loan fee. At this time, I am proposing to pay CashnetUSA $150 on XXDATE and $150 on XXDATE via money order.


I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. Once I inform you of this, you must stop the telephone contact immediately or you will be once again breaking the laws of the state of California.

You are also hereby notified that I am revoking any voluntary wage assignment I may or may not have signed. I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes.

I am revoking your right to debit my checking account any longer. You, your company, or your affiliates are not authorized to debit my checking account at all. Please be aware that I have informed my financial institution of this situation and they will also be receiving a copy of this correspondence. Any further attempts at debiting my account will be rejected by my financial institution.


I expect a response from your company no later than DATE regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Please respond by DATE, regarding this matter by US Postal mail or by email only.





NAME


Cc:
Better Business Bureau
Federal Trade Commission
California State Attorney General

Something weird is happening with this thread for me. Whenever I go to look at the last page of the thread it shows me as signed out and I can only see my last post from yesterday. I know Volleyballmom has since posted but I cannot see it. But if I go to page 6 of my thread it shows me as logged in. Should I start a new thread?

nevermind, now that I posted I can see the response!

Hit the refresh button on your web-browser...no need to start a new thread. :)

Thanks volleyballmom! I will get them to them via email first and then mail it!!!! Now another question for you or anyone that has an answer. I received a rather nasty email from E-Payday-Loan yesterday. It states that I am severely delinquent and I must call within 5 days from the date of the email to make payment arrangements. If I don't they will report me to several consumer credit reporting agencies. They say for example, Teletrack. Here is the question part. I have sent them a letter and an email. I do still owe them $210. My original loan was for $300 and to date have paid $90 in fees, so now what do I do? They seem to be ignoring my email and the letter has not gotten there yet.