New Posts and More Payday Loan Questions

James. . .nice to see you again. Your site is becoming quite the little gold mine! As you know I am now totally PDL free. . . .what a great feeling that is! As such, I am sure there is tons more that I could learn about this business. My dealings with the PDLs has just brushed the surface, I am sure, but my desire to "know more" is as strong as ever. Please keep the posts coming. . .a day without learning is a wasted day. Thanks again.

'Click the www below to go to my page'

Where below? thanks

Should be attached to my profile if you're logged in.

sorry, James' profile above. I wasn't logged in, either.

(scratching my head) I don't see profile above either.
I am signed in.

James where have you been lately? Do you have any new info. You had so much and have helped so much just wanted to see if you had anything else to add.

I sent him an email but he never responded.

He seemed to know alot of information. You don't think he was a pdl worker do you?

It's hard to say. Have you tried to view his website lately? It seems you have to login with a password in order to view it. Do you have any idea what may have happened to it?

I tried too just to see if there is any new information out there but it is blocked. Also this comes up in the web browsern usapaydayloan.net/

Well, it would appear that when trying to access the website you get and oops flag. I hope all is okay with him.

Hi all. Thanks for the concern. It is really nice to come here and see that. My site is in fact down. However, if there is anything I can do to help I'll be glad to. Everyone has been very kind and receptive even if my thoughts didn't reflect the norm. I am not abandoning any of those that may need help. If you have specific questions about the PDL industry I'll be glad to answer to the best of my ability.

My words of advice would be this:
In trying to get out of this mess, understand that you are not dealing with a simple right or wrong, legal or illegal, matter. Addressing a pdl may not be useful because they, frankly, don't follow laws as you and I know them. Addressing your bank may not be useful. If they can get you off the phone and do as little work as possible, they will. Processors will do the same thing. There is no one, sure-fire solution. Your individual cases will not be opening eyes to something new.
Rather, to get out of this will take knowledge, determination and persistence. It's about negotiation. Many people will take the same courses and get different results depending on how they present their case and, simply, who they get on the other end.
Try to deal with the legal companies involved in your transactions as much as possible and get them to help you. Go to your bank in person, if possible. Bring a copy of your Letter of revocation as well as a copy of the Electronic Funds Transfer Act and how it pertains. Don't assume they know the laws...they usually don't. Do not allow laziness to be an excuse on their part. we've all had a lousy customer service experience where right/wrong didn't matter because of a stubborn ass...get around those people. Do not talk to an uncaring rep on the phone. Get a manager, in person, and make them be responsible. Do not accept an answer contrary to the law from legal companies. Do not let someone tell you that you are wrong or belittle you for getting into this mess. Make it worth their while to get rid of you by showing knowledge, persistence, determination and focus.
Some people reading this will say it doesn't work. For those people, they are right. It doesn't work. But for those that have gotten out of this, and "this" is exactly the same situation over and over with different names, they know otherwise.
Use any outlet or resource you can. This is not a 1 solution problem. That would be my sincere advice to anyone.
-James

Good to hear from you James, we were getting a bit concerned about you. Thanks for the info, once again. :)

James I have a question.....I am not sure how much you may be able to help but I will ask! I am having problems with my bank and have since the start. I had filled out all the paperwork that they made me fill out and they actually deemed that three withdraws from the pdls were fraud which was in early Jan. Anything after that up until March they said was not fraud even from the same companies that they said were fraud. How is that? Nobody at the bank can help me and tells me I need to talk to the ACH department which I call and everytime I call, and I am not kidding everytime, I get a voice mail. I leave a message they NEVER call back. I guess I just want to understand how they could say some are fraud and some are not especailly when they are from the same company at a later date. Do you have any information on this. I am also in the process of preparing a letter to the president and CEO of the bank as suggested by someone here on the post. The bank has not been helpful in this mess and I wanted to let them know. I am also filing a complaint against them with the CCC. I can never get the same answer twice and get the run around all the time. It has been a mess.

They are correct that you need the ACH Dept. Is there a branch manager you can grab as a go between? I can give you lots of Electronic Funds Transfer Act info that will support your case. You just need to get to someone that cares about right or wrong. Can you grab an email address for the ACH Department or a physical address? I'd probably tell you to outline your case and send it certified. If you tell me what bank I may be able to find contact info. There are also options you could pursue through NACHA, just to get their attention. It's hard for me to say why they would or would not agree with your position of fraud. That would depend on the pdl contract. For example, if you agreed to withdrawals of $90 every second Friday and that is when and how much they debited, that would not be fraud. If the amount was unscheduled and/or a different amount that would not be fraud.
I know these answers are not clear but I'm hamstrung without details. Often times your own bank is just as bad.
I guess what I'd need to know is
1. When was a "Stop Payment" acknowledged if there was one?
2. What were the terms of the contract..if you tell me which pdl I can probably dig up their contract.
3. What are you trying to accomplish (have pdl fees returned, returned item fees, etc)
4. How close to 60 days are these transactions. After 60 days this fight will be virtually impossible.

mandywebb. . .I do just about all my banking on line. When I got to the internet site there is an email button that I can click on for help. That is how I got in touch with the ACH department of my bank. They called me right back and that was how I got the info I needed to set the wheels in motion. I must tell you, I bank with a small hometown bank and they are very acommodating. Not like the biggies who have thousands of customers. Can you call your bank and just ask for the ACH department?

I have called the ACH department and they only have a voicemail that comes on. They are also only opened till 5 pm. I called another department once and they said I needed the ACH department and they could not help me. They also throw in there that they close at 5pm and that was 3 hours ago call back. Very rude people!!!

James....I will get you the info. tonight when I get home from work...Thanks for your help!!

James- Any idea when your sight will be back up?

Hi angell. I'm not putting it back up. The information was too in depth. The site had an analytics package built into it that showed a great deal of pdl activity. Too much so for the level of detail I had posted. Feel free to ask anything, however. I'll do my best. There may be a new, more general, site coming in the near future. But thanks for asking.
-james

James...the bank manager is no help and has no clue what to do. I bank with Charterone. I had tried to stop payment back in Dec. but did not go through the bank I tried through pdls. I found this site in late Feb. and that is when I went to the bank and they refused to close it and said I had to fill out the fraud forms. I could only go back to Jan. because that was sixty days. They filled out three and then the manager stopped and said I had to come back in for more questions. The three were credited back to my account. They were from early Jan. then the rest of the forms were done filled out by a teller because the manager was not there. They did not give me any credit for them because they said it was after they had been posted. I think the teller filled out the forms incorrect. So the process was started within the 60 days. I am trying to find out why my first three were fraud and not the rest. I can get no answers. I am seeking the fees that pdls charged and the charges from the bank.

I have the following loans.
MW Marketing/edollars
3bpaydayloans
loan shop
ezloansbynet
ameriloan
united cash loans
little loan shop

Would you be willing to sue the bank in small claims court over it? It won't over get to court, but you'll get your money. The Electronic Funds Transfer Act covers all of these issues in your favor. Google electronic funds transfer act and you'll find it. It's not too bad. I'm afraid the answer to your question is "because they can"...not to be sarcastic. Let me know if you want me to organize any info for you...for emails or otherwise