Today is the day

Was that the pay off balance? Did you have an agreement with them for that amount? Just asking. Do you have any idea when you are going to be able to pay it, if you do, and they call, you could tell them you had a change of heart and decided it would be safer to send them a money order instead, that might buy you a little more time. :?

No. Unfortunately that isn't the payoff balance. This ipdl was a last ditch effort to get myself out of trouble with other pdls (didn't work obviously and now I'm having to deal with them). I haven't yet made a payment to them, so I legally owe them $400. (They say I owe over $600). But, I blocked them from my account until I can close it. I did not want to default, but when I realized that with the interest from the pdls was more than I was going to be getting paid, I got real serious about doing somethin about them. I blocked all of the ipdls, used some of the money to pay off two storefronts, and am just going to deal with them one by one, as I can. I am going to pay them the legal amount, as I feel a moral obligation to do so, but I just can't pay them on their terms. I think that a money order would be safer, plus I don't have the extra money to be sending moneygrams. I can send them some, and I told the lady that the other day when she called, but I can't send all. She just said that if I didn't send the $230 that the account would be sent to a CA and they would "seek involuntary means of getting the money back." That was pretty much the end of the conversation and I have been paranoid ever since.

Don't let them frighten you, most likely what will happen is, they will turn in over to an internal collector, which is probably the next desk over from the one you spoke with. If you can send them a small amount by money order, I would opt for that, something is better than nothing at all, and at least you are making an attempt! I really hope you can get that bank account closed asap. IPDL's have a way of getting around those blocks, and that's what worries me.

Even if it's 5 or 20 bucks, it's something! My guess is, they will probably accept that money! Make sure you keep track of what you are paying them, and keep all the receipts. I'm not sure about sending it certified, seems to me that wouldn't be nessecary since you would be able to trace a money order if it's cashed. Maybe someone else could elaborate on that subject.

That's what I understand. I can close it as soon as a couple of things clear. I keep watching it. The moment they clear I will get it closed. The thing is, she won't give me an address. In my initial conversation with her, she said that they do not accept payment by mail, and she did not even want me to send a moneygram. She suggested that I give her a debit card number or give the account number of a relative or friend that they could debit the money from! That's crazy. I would never give someone else's account number to them. Anyway, I plan on avoiding her for today, as I just don't feel like dealing with her. I have an address for them, but I don't know if it is valid. Should I just send a money order to that address or should I keep requesting for her to give me a valid address? She can't make me send the payment by moneygram, can she?

Tell her if she wants a payment, you NEED an address, no address, no payment. Money orders are cheaper, and what ever you do (I know you already know this) DON'T give her your debit card or account number, EVER! :)

Thanks Shazzers. I need to hear this encouragement. I tend to break under pressure. I stay on this site so I can be encouraged by others and to be reassured that nothing terrible is going to happen to me. Have you made progress with your situation? I don't know if you are dealing with pdls or other things. If so, what has been your experience so far? I'm afraid they are going to call my supervisor or something. I'm not really scared about references, but I don't want my job to know.

I'm debt free with PDL's at this time, it was a longgggg road, but well worth all the effort. Just hang in there, you'll get there!

Freaks...I am a Nurse and I had to tell my HR and Nurse manager. Stop thinking you are the only one who has to do this. I was petrified, and yes they called, but everyone has told them to reach me at home period. And you will have to send them that C&D letter if they do not comply?
both the HR and Manager were very supportive. And it sure beats waiting for those calls and being nervous about them.
Everyone these days has financial problems.

Thanks Egypt. You're right. Everyone does have financial problems right now. It just seems overwhelming right now. I haven't sent the c&d letter yet, but I think I will send it by email. So far (knock on wood) the only one who has called is webpayday. Have you managed to get a mailing address out of yours, or are you handling it another way?

Shazz, congratulations on being pdl free. I hope to say that very soon. My goal date is July of this year. If everything goes as planned, I should be able to be free of them at that time.

Freaks...you are ahead of me! I have to get new ink cartridges for my printer or go to the library or something to get the letters out!
Or I will e-mail them If I can't get an address. Like I am sure I won't get one from BIG and in fact I have no e-mail address for them, nor have they sent me loan papers/agreement ever. I have to go back over my statements, but I think I should only owe them a hundred or so?

freakmeout - WebPayDay claims to be licensed in Utah. No WebPayDay on the Utah licensee database. Nada. Nothing. I dealt with these idiots. I dealt directly with them. I got a refund of over $200 that I overpaid and a "paid in full" letter. Here is the information I have on them:

WebPayDay
320 W 200 St.
Ste. 350-B
Salt Lake City, Utah 84101
Phone: 800-814-5451
Fax: 800-814-4960
Fax: 866-870-0820
email: info(at)webpayday.com
email: loans(at)webpayday.com

Here's who I dealt with:

Ken Collum
email: kcollum(at)webpayday.com

They were VERY easy to deal with in my case. I sent them "the letter", they responded, I responded, we went around and around for a few emails, then I got it straight with this dude.

So, there's the information I have. Hope it helps! :D

Wow! This is great Cannr. So far I haven't gotten up the nerve to deal with them very much, but I plan to shoot them the email and letter in just a few minutes. I'll let everyone know how it goes. :-)

One more thing. I managed to be able to pay them $140. I originally borrowed $400, and this is my first payment to them. (used a pre-paid visa from Wal-mart). So now, I only owe them $260 more, correct? They aren't licensed in my state, and like you said in the previous post, Cannr, you can't even find them in the state that they claim to be licensed in. They say I Owe them over $500 more dollars. I think that if they do not want to settle for the principal amount, then I'll see that they get their $400 back an forget about them.

You are correct. You only owe them the principle amount. You now only owe them $260. Send an email to Ken Collum. He'll probably wonder where the hell you got his email from! :lol: But send a letter stating you are willing to pay the principle amount only, that they are not licensed to legally lend to you, etc. I swear, he was painless. Now, I had overpaid the hell out of mine, but you still have a case here. I told them they were illegal and they refunded every penny that I paid over the principle amount. They should agree to your payment of $260 and calling it paid in full. Please keep us updated as to your progress!

best of luck to you! and as always...

Thanks, Cannr. I am going to send him an email. LOL! If he asks where I got his email from I'll say "I got people!" Wonderful people who have my back. :-)

Socks, Thanks so much for the encouragement. I love the graphic. I don't know your circumstances, but best of luck to you, too! We'll all make it if we hang in there. :-)

I have a loan out with WPD also. I emailed them last night offering to pay the balance of what i borrowed. Haven't heard anything back as yet. will try to come home at lunch and check again. hopefully they will except my offer and i can get this acct. off my back.