What questions do you have about pdls?

I will give that some thought and get back to you very soon!

I want to know how it works once you have defaulted-meaning stopped the ACHs' with the PDL companies, they refuse a Money Order-will not let you send them payment that way, because they will not give an address out. They want Moneygram, Pre Paid credit card #'s that is if you refuse giving your checking account out. They hire a CA. What can this CA actually do to you if they can validate this debt. I have a few PDLs in default. If they will not give me an address to send payment so I have a receipt for my records that I have PIF(paid in full) I will not give them any money. Also hesitant in giving any CA, for a PDL, any money as afraid the creditor will hire someone else down the road and so on. Maybe I am jumping the gun, but I don't see how someone would refuse money that they say is owed to them, because it needs to be in manner that they want it received. Do you understand what I am asking? I just want to know how these CAs are legal as well.

I would like to know exactly what recourse internet pdls have to collect illegal amounts of money, particularly if they are not licensed in the state in which the consumer lives. I know I sound like a broken record, and I know I got myself into this mess, but I really want to get out of it with as little headache as possible and want to have minimal contact with the pdl. The companies I need to know about are webpayday, ashland funding, littleloanshop, and discount advances. I also need to know how to ensure that they will not draft my account or contact my references, hr dept., my supervisor, or myself in a harrassing manner.

James...I have a few. I will forumlate them and post later. Can you answer questions on specific PDLs or PDLs in general. I am still intriuged!

James,

What kind of information do you have for us and how did you come about of getting all of your information?

Just curious.

Thanks,

Thank you all for the support on this. I'll pop back asap to explain. llw, you're the best. Please keep posting questions. I promise this will be fun!

Hey there James....

Give us some insight on these illegal PDL's that operate overseas. What laws can a consumer leverage against them?

Good question volleyballmom

James, do you have your PM's turned off, I'm still waiting for a reply.

I have a question? What about the unlicensed payday lenders, what do you plan to do about them?

James...I guess I would have to say that I could come up with a million questions regarding these operations. It would appear that you are asking for our help as well as we asking for yours. Seems fair enough to me. You seem very knowledgeable about the PDLs and I want to know EVERYTHING about the loans, lenders and the industry that you could possibly divulge. I guess I would ask just how this predatory system of sharking came to be and I am quite sure that you have just barely touched the surface of this nasty business. I guess I am also curious as to just how far reaching and profitable this is. Most importantly I would love to know just how to get these lenders back under the rock from whence they came. You have indicated that you have a plan. You have also indicated that they don't get the tatics which are used. Could you elaborate on that? Thanks a bunch.

James, do you have your PM's turned off, I'm still waiting for a reply.

Because James is a new member, he might not yet be able to receive PM's. This is very common. Once his homepage is up (if you click on his name right now, his homepage doesnt come up) he should be able to recieve and send PM's.

I have sent a few pm's and he has received them. We were having an issue last evening but they did go through and then they didn't.

I sent a final one to Shazzers last night and I think that was not received either. It did not show in my sentbox.

Do you think the polygamous-sect are behind these internet pdls. Where do they get the money to take care of all the women and children and build all those homes.

I don't know about the ranch in Texas but I am wondering just exactly where and how this started. Since there are so many PDLs that are intimately connected I sometimes feel that they are ALL part of one big giant conglomerate with off shoots in every nook and cranny of this country, and then some. Truth be known, our hard earned money is probably going to one individual core group, just being filtered through different smaller operations, thus the ease to which they can change names at the blink of an eye.

Good call llw. While it's not quite that simple, that is the general idea. The lead generation companies muddy the waters by taking applications and selling them to multiple lenders. That's where the scenario comes from when you are contacted by 5 lenders from 1 application. I put a new post up. It's pretty detailed, that's actually the reason I don't put an insane amount of detail here...it's tough to format and what not. I think at this point you all realize I'm not a spammer. Seriously, I'd love feedack. I think you'll see what I'm doing pretty clearly between my site name and the content

bjpetersen - read the latest news. There are government contracts awarded to some of the leaders of these sects - THAT'S where the money comes from.

James.....thanks again for your insight. I did read your post. And, once again, interesting and informative, as exactly where the "legal" line is drawn has always been a topic of conversation and a bone of contention. Please keep the snippets coming. I love piecing things together to come up with a plausible solution/reason for what is taking place. It would appear that even though we bombard these "tiny puppets" with our C and D letters and DV stuff, we may be wasting valuable time in getting to the root of all evil. With your most recent confirmation, they could be termed the "messenger" in all this, doing the "dirty work", if you will. Funny thing about that statement is, when I speak with Customer Service Reps and start reaming them out, I always apologize as I tell them that I know they are just doing there job, but I am pissed nonetheless. I wish simpilcity could prevail here but I am sure this is WAY BIGGER than would be expected at first blush. I can see why these posts are oh so important. Building a case is paramount to get what you are after....life has taught me that lesson very well. After reading, I do have a question. When you talk of "my" loan amounts and contracts, are you speaking of a "hypothetical me" or do you have first hand experience. Your zeal in this endeavor is akin to all of us on this forum. Whatever the reason for your involvement, thanks a bunch for your willingness to help. AND, the possibility of going after the BIG GUNS is enough to keep me in the loop and go forward with this.

Honestly, the $500 loan I speak of is not mine. Just an example. I've been known to take small $100 loans and pay them right away to look at documents and what not. Or, sometimes I've just not paid them at all. I don't claim to be a saint and I don't claim to feel the need to pay the principle back. I don't like these guys, but I'm not going to encourage others to not pay them. I like to have a little fun with them. But that's just me. Thanks for checking out my site. Do you see yet where it's going?

I don't like them either. I have, however, paid back what they deposited into my account but two are hard core hold outs. As for the fun thing, I get your point. Actually, I wait patiently for a reponse from them when I do email them, which is almost never. I guess I like to be challenged from time to time. I'm certain if I totally understand what is going on or the outcome, but give me a few more posts and I will eventually put it all together.

James...a question. I am so tired of dealing with the slug end of these organizations (lower level PDLs) and am hoping to find a way to trace their lineage back to the parent company. Do you know how that can be accomplished? I want to get to those who can do something about remaining balances. Not just the "no" men.

I wasn't aware of that, thanks.

Hello James,
Thanks for your interest in this topic. I also have a question for you--actually about you. Most of us, including myself, came to this forum and this topic after being burned by PDL's--be they internet or storefront. You said that you've taken out small loans to see how they work--what is your interest in this topic??Why would you take out small loans to see how they work? In short, if you didn't need the money, why do it?

Why is it that when you tell your bank that you want to not let these payday lenders take out any money out of your account,, they look at you like you are crazy? Is it because they are part of some of these companies?

I don't know if they are necessarily part of the problem as much as it makes more work for them to stop all the nonsense. I, personally, did not have a problem at all closing my account with my bank. I told them that I had some fraudulent activity on my account and the closed it immediately.

Hey James. . . .I hope you had a great evening. I did! I've been thinking since I have been in for the night and I feel that I have just had some sort of epiphany. We all know for a fact, that the PDL henchmen frequent this board. Correct me if I am wrong, but won't all this public discussion give a glimmer of light to what is happening within this board and gaining the ammunition needed to bring what we have been trying to accomplish to fruition? Your input has been invaluable and giving us the means to figure this out has been brilliant. Please keep the info coming.

I read complaints on ripoffreport.com and under usfastcash complaint #9. an exemployee listed a company and names, Selling Sources, Inc. out of Las Vegas, NV. Also there was a mention on another complaint about a Bremer Bank in Lake Elmo, MN involved in payday loans ACH.

The only info I have on UFC is the Miami, Ok address, which is what the BBB uses and it is the same as ameriloan which is an MTE, I believe. I am doing battle with them as we speak and quite frankly, I am tired of doing business with the mamby pambies of the PDL world. I am tired of their nonsense regarding "accounting" and how monies are applied. They are illegal as all hell and in my case, offered a loan in a state where it is clearly prohibited. I want to speak with the head idiot and be done with them.

kscornell, there's not much to this short of saying pdls damaged someone I care for greatly. You'll notice I always link to my site. The reason I do not discuss an agenda is simple...my site is written on a factual, not opinion basis. Linking opinions, or showing an agenda, compromises my credibility. I don't intend to come off as pompous or cold, that's for from who I am. My goal is to display the facts, unbiased. I think we all know they speak for themselves. I implore you to read between the lines of what I say. You'll find your answers. Power comes from unbiased, concise facts. This site is triggered by emotion, pain and frustration. Rightly so. I intend to get results with facts that smack people in the face. Notice my site name. Notice my posts. By the way, I understand internet marketing well and believe in scale. and read this again. It should come together what my FIRST agenda is.

No, its triggered by people who care and want and will help each other. Some of our "pain" as you call it may or may not be greater than the other one. Pain does not drive me or this site but an effort to rid each other of mistakes in the past and maybe in the future. James welcome to this site but just who are you and what is your real purpose here?

Thanks,
Luke

llw, sure...they read here. They know how to evade, but there are realities in their world as well. I can change my username and become a new person here quickly. No different than they change sites. But, can I really change who I am? Will you not recognize my style, if you really pay attention? Much as you understand these posts, and recognize the "Nicks" quickly, I look at pdls the same way. Do not be fooled into thinking you're always speaking to a low level person. We can all take different personas behind a computer or phone.

Fair enough. But won't all this "exposure" of the facts on here make them more aware of just how much people are becoming aware of their insanity? I know it has made me more aware of how deep this situation is. And yes, you are right. The computer is a wonderful invention but it can also be a curse. We can be anyone and/or anything we want. As for the low level slugs, I am stil tired of talking with them, be it real or perceived. I am sorry for the damaging effects of the PDLs on someone close to you, but I am glad that you disclosed that fact.

James...that post was from me. Sorry.

Luke...I know for myself, I came here for some desperately needed help and I found it. Although I am not, by any means, out of the woods completely, I hope to be soon. I agree, I came here for help, I stay here for what I have learned. Yes it is frustrating, it's painful but that is what's the driving force behind my desire to bring these people to their knees. I guess I am big fan of justice and what better way to get it than to see the PDL industry crumble.

...and crumble they will llw1995 in time, they all will and one at time at that. I will be around to watch this happen and open a bottle of wine to celebrate.


Luke

Well put Luke. What I was trying to say, and didn't say effectively, is that pain and frustration drive most of the posts here. I'm not trying to indict the contributors. In other words, the typical post says "Help. I'm in PDL trouble...". Again, rightly so. Individuals need an outlet and a resource. However, fragmenting posts and company names all over the place makes it difficult to create an actionable environment. Lawmakers need things handed to them on a silver platter. It is not their nature to pick up fights, particularly against individual companies, without knowing it will be a win and enhance their career. Truthfully, does an AG get more from fighting drugs or payday loans? They need sitting targets, and their resources are limited. If you take out the companies that move the funds for pdls, there will be no ways around it. These companies will bow to pressure. The risk/reward is not worth it for them. So, let me be sure to address your issues.

"No, its triggered by people who care and want and will help each other." - Luke
That is awesome, seriously. People need help and those who have knowledge should provide it and sleep well at night for doing so. However, it solves problems individually. Truth be told, 90% of the posts come here for help, get it, and leave. That's their right. Their problem is solved, but the problem is not solved. I'm able to offer that help but feel that folks like yourself have that covered. My time is better spent elsewhere. So, please don't take my words as an indictment of your efforts. That's far from the truth.

"James welcome to this site but just who are you and what is your real purpose here?
Another fair question. I'm a regular guy that probably has a different perspective. Obviously I care enough to spend a lot of time here. I'm new to you, but I've been on this board for an extensive amount of time. For that, I'm sorry. My real purpose? To help. So, to all of you that continue to do this, please look outside of yourselves and understand that different is not always bad. What could my real "purpose" be? Read what I write. I'd post it here but it is too detailed to write in this tiny little box. These writings take a long time and they are for your benefit. This is going to upset a lot of you, but you say things as the truth that are wrong. Please don't start with the "how do you know?" questions. Just read what I'm saying and hopefully it makes sense. If you want to understand this industry in detail, it takes time. You could not learn computer skills in one day nor could you become a professional chef in one day. There are levels of detail that can not be touched in this forum. It does not make sense to put hours into a writing that will disappear in a post. It makes sense to store detailed, easily referenced information in one place. That is why I keep telling you There is not, or will not, be a single link on that I will profit from. So, I'm explaining why I don't want to keep answering this question yet I realize if I don't I may be ostracized. Please use your common sense, read my posts, and tell me if any of this does not make sense. Clearly there is nothing in anything I do that goes against your goals. And clearly I support you and your efforts. So please stop attacking me and looking for confirmation of what you probably already think I am. Listen to the depth of my words and the details I back up, and assume whatever you believe about me, or my past, you're right. Interpret that as you will, thanks for the welcome, and I look forward to a healthy back and forth. Please comment on as I will become more open as I get to know you, but not in a forum.

James... I have read your writings and they do make sense. We are all in this together and I don't think there is anyone here who does not want justice served. As for me, I am taking things at face value. Hopefully you will enjoy your time here.

Thanks and I've got to remember to sign in

Well put Luke. What I was trying to say, and didn't say effectively, is that pain and frustration drive most of the posts here. I'm not trying to indict the contributors. In other words, the typical post says "Help. I'm in PDL trouble...". Again, rightly so. Individuals need an outlet and a resource. However, fragmenting posts and company names all over the place makes it difficult to create an actionable environment. Lawmakers need things handed to them on a silver platter. It is not their nature to pick up fights, particularly against individual companies, without knowing it will be a win and enhance their career. Truthfully, does an AG get more from fighting drugs or payday loans? They need sitting targets, and their resources are limited. If you take out the companies that move the funds for pdls, there will be no ways around it. These companies will bow to pressure. The risk/reward is not worth it for them. So, let me be sure to address your issues.

"No, its triggered by people who care and want and will help each other." - Luke
That is awesome, seriously. People need help and those who have knowledge should provide it and sleep well at night for doing so. However, it solves problems individually. Truth be told, 90% of the posts come here for help, get it, and leave. That's their right. Their problem is solved, but the problem is not solved. I'm able to offer that help but feel that folks like yourself have that covered. My time is better spent elsewhere. So, please don't take my words as an indictment of your efforts. That's far from the truth.

"James welcome to this site but just who are you and what is your real purpose here?
Another fair question. I'm a regular guy that probably has a different perspective. Obviously I care enough to spend a lot of time here. I'm new to you, but I've been on this board for an extensive amount of time. For that, I'm sorry. My real purpose? To help. So, to all of you that continue to do this, please look outside of yourselves and understand that different is not always bad. What could my real "purpose" be? Look at my site. Read what I write. I'd post it here but it is too detailed to write in this tiny little box. These writings take a long time and they are for your benefit. This is going to upset a lot of you, but you say things as the truth that are wrong. Please don't start with the "how do you know?" questions. Just read what I'm saying and hopefully it makes sense. If you want to understand this industry in detail, it takes time. You could not learn computer skills in one day nor could you become a professional chef in one day. There are levels of detail that can not be touched in this forum. It does not make sense to put hours into a writing that will disappear in a post. It makes sense to store detailed, easily referenced information in one place. That is why I keep telling you all to go to my site. There is not, or will not, be a single link on my site that I will profit from. So, I'm explaining why I don't want to keep answering this question yet I realize if I don't I may be ostracized. Please use your common sense, read my posts, and tell me if any of this does not make sense. Clearly there is nothing in anything I do that goes against your goals. And clearly I support you and your efforts. So please stop attacking me and looking for confirmation of what you probably already think I am. Listen to the depth of my words and the details I back up, and assume whatever you believe about me, or my past, you're right. Interpret that as you will, thanks for the welcome, and I look forward to a healthy back and forth. Please comment on my site as I will become more open as I get to know you, but not in a forum.

Asking questions is not a sign of attacking anyone or anything, so if you have issues, even if you have been here a long time in the back ground, then let it out so that we may be of better service to you James.


Luke

James, for what it is worth, I feel that your presence here is beneficial to all of us. Yes, you are illusive, but sometimes illusive is perceived in different ways. As I said before, I am intrigued and I also want to know everything about the PDL industry and you seem to have that knowledge to share. I am hoping that, in time, you can enlighten me further.

James, you are welcome here, we are very grateful that you are willing to give your time to help and advise people. :)

Thank you all for saying that. It's appreciated. I certainly don't intend to be illusive, I'm just not inclined to say much without knowing people. I hope you can respect that. And, to Luke, I understand reluctance to take advice from an unknown commodity. So I understand your questions. Just a bit defensive. Peace!

James, I too am glad you are here with us. Join us and lets fight for our rights to be free from our own debt we created for ourselves and show us the way.

Thank You,
Luke

James, sometimes we HAVE to be illusive and yes, I do respect that. I myself speak in cryptic terms and not everyone takes kindly to that. And yes, there is a lot of "treading carefully" on this board, but I am sure you can understand and appreciate that as well.

I have a question, why do payday lenders use drop boxes to get their mail?

4 reasons...
1. They don't want lawsuits served and without an address it's pretty tough to do
2. They spend a decent amount of money on infrastructure (cabling, wiring, telecom, computer, etc) and employees. They prefer to not move locations, its expensive.
3. The owners are in the office. They go to work there everyday and don't want to move, either.
4. Could you imagine what may show up on their doorstep if some of these folks found them? :idea:

All the Payday Lenders that I was associated with had real postal point of business addresses. I was able to mail what I needed to them to bring these payday loans to a close. I would find it uncomfortable to do business with anyone who did not give me a real address up front.

I'm with Luke. I didn't send a penny until someone gave me a mailing address, which they did do. Of course, it was a completely different address than you'll ever find anywhere; however, I got addresses.

Hey cannr....James posed a question....could we imagine what would show up on their doorsteps if we had a physical location.....wanna go? I bet it would be fun!