Payday loans in texas

Zipcash--500.00 Paid---1115.00
usfastcash--350.00 paid---1175.00
upfrontcash--400.00 Paid---1205.00
big ltd--225.00 paid---80.00
arrowhead--300.00 paid---390.00
payday loan yes--350.00 paid---695.00

magnum z---200.00 paid---570.00
northway credit--300.00 paid---381.00


And they are all internet loans

OMG you have paid them way to high already. I'm really sorry for you :( But don't worry you're amongst the friends here and there are experts who'll help you with your situation. Just don't lose hope and stick around.

I just do not know what to do anymore? I know I need to close my account. But I feel hopelessly lost. I have lost sleep and had/have hot checks because of these. What should be my next step. :cry: :cry:

Strp one-Close that account! Then gather all of the information you need. C&D Letters, Complaint forms to their AG and yours, the BBB Complaint form, and talk to your bank about who their ACH Processor is. I know thatUpfront cash uses ACH Commerce/Advantage Ach. Call and ei-mail Gail Sauter at gsauter[at]advantagepaymentsys.com and 702-240-5295.
UsFastcash uses Intercept EFT 800-378-3328 and intercepteft.com.

Once you have all of that information start bombarding. Call, e-mail, and fax everyone you can think of. The ACH companies are going to tell you haw they can't help you but don't worry when you tell them how much you have paid on a loan and how they harass you and what your state laws are they will help you. Be very nice with but firm, they are a real company. Ask them to at least investigate. This puts pressure on the PDL and they will back off. DEMAND A REFUND. YOU CAN GET ONE FROM UPFRONT CASH. I got 505

I know this is going to sound stupid but what is a C&D letter? Also where do I find the complaint form for their AG?

it is me ahorse4uto that asked the last post a guest
sorry forgot to sign in

Hello ahorse4uto and welcome to the forum. My gosh, you certainly have overpaid these accounts. Let me do some further investigating, and we will walk you through the process of clearing up these accounts, please hang tight, it may take me some time. First I am going to post your pdl laws, so you can look them over. We will get you through this nightmare!

You will find the Payday loan laws for Texas here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I just emailed Gail Sauter about the upfrontcash account but when should I call her?

Yes, getting in touch with these ACH processors have proved to be a swift and effective way of stopping these pdl companies from debiting your account to death. Since you have overpaid most of these, I would sit down and try to figure out just how much of a refund they owe you, based on your Texas laws. I am very stupid when it comes to numbers, so I am afraid I can't help you out there. :D And I wouldn't want to give you the wrong information about how much of a refund you are due. Also, I am sorry to tell you this, but you are going to have to close your account in order to stop these companies from debiting your account. Once they have your bank information, they will continue to steal money from you. After you have safely closed your account, contact these pdl companies and tell them your account is closed, and you will need their addresses in order to pay the rest of what is owed, that is, IF you owe any, and I don't think you do. The main thing to do right now is close that account ASAP! Here is a link, please read through this link BEFORE you close this account. And do not tell these companies you are going to close it, until after it is done!
http://www.debtconsolidationcare.com/paydayloan/close-account.html

ahorse4uto:
Quote:

I can't read that topic because of an advertisment that is covering most of it. Can any one help me there?

How on earth did you end up paying so much on these accounts? Did you roll them over, or refinance them, or just pay the interest when the payment became due? I am just trying to get a clearer picture of how this came to be. :)

Quote:

I am not really sure!! I know this sounds stupid but I just really don't know. I do know that some of these company's have taken money out of my account 2-3 times in the same day and all being different amounts. There are others that I did not apply for, that I can remember and I would remember something like that, like Magnum z has taken money out of my account in the amount of 510.00 for a supposably amount of 200.00 loan that we did not ask for and that started in January. I have not been able to find a number to call them and ask about it either.

No worries, we will figure this out, I am right now checking these companies out, almost done, hang tight!
We're going to get you out of this nightmare! But you REALLY need to get that account closed asap! Can you do that?

I am going to try to take care of that account this morning before and after I go coach my T-ball game. But I still cannot read that sticky concerning closing accounts.

OK ahorse4uto, I am going to post the information I have found so far about these companies you are dealing with. When you come back from your T-ball practice, we will continue this venture to get you out of this nightmare. If I have listed any information incorrectly, someone else please jump in here and correct it!

These will be your illegal lenders, which means you are only morally obligated to pay back the principal amount, and you have MORE than paid them that, so this is what they owe YOU! Getting a refund doesn't always happen, BUT sometimes it does, and you have nothing to lose by trying. I'm going to make some suggestions on how to attempt to get some refunds from these leaches! Hang tight!

usfastcash is illegal - they owe YOU $825.00
upfrontcash is ilegal - they owe YOU $805.00
Big is illegal - all you morally owe them is $145.00 (work out payment arrangements with them, with money order only, through USPS. They probably won't accept it, and threaten you, but since they are illegal, they can't take you to court, so they will be forced to work with you, on YOUR terms.
Arrowhead - Illegal! They owe YOU $90.00
Payday Yes - Illegal - They owe YOU $345.00
magnum z - Illegal - They owe YOU $370.00
northway credit - Illegal - They owe YOU $81.00

Here is the sticky for ya!

Before you close your bank account due to payday loans eating away at your paycheck, please read this.

Some banks have a policy regarding ach transactions that allows them to force open closed accounts if any ach transactions go through within a certain time frame after the account is closed. This can leave you owing a legal bank $1,000's and reported to chexsystems, instead of owing barely legal (or not at all legal) payday loan companies. Not a good thing. Ask your bank what their policy is on ach transactions on closed accounts before you close the account. It's best to go in person and talk to a branch manager.

If your bank does have this policy, tell them your situation. Don't be embarrassed. Take letters with you showing that you have revoked authorization for each of your payday loan companies to debit your account. Tell the bank to put your account on deposit only, an ach block, or a hard hold before they close the account. Your bank can do one of those, don't take no for an answer. This will prevent any payday loan ach's from reopening the bank account.

It's always best to close your bank account. Leaving it open gives ways for the payday loan companies to continue to take money out. These companies have many different dba's, so blocking them won't work. They will also produce paper checks and run them through your account. Closing the account is the best way to prevent these companies from taking money out of your account.

Some state laws do allow for prosecution if you close your bank account, but that is usually in cases of fraud. But it's always best to check with your state's attorney general or department of financial institution before you close your account. You want to make sure you are not causing more headaches!

ok I just talked to my bank and they are going to try to get me some phone numbers and see what they can do for my account. I won't know anything until I get back from my game. Thank you so much for all this help I did not know what to do until I found ya'll. I love this site. Keep it up!!

OK I am back and the bank gave me a phone number to Magnum Z but the problem is I never took out a loan with them, What do I do?

Ok I have talked to my bank again and they can not do anything until Monday. I am a little worried about opening up a new checking account with another Bank because of the fact that all these companies have taken money out and caused me to have hot checks. What do I do now? Please help



I also called the phone number to Magnum Z 1-888-276-4189 and it said that it was Debt Doctors and I will have to call the Monday.

OK don't panic, we'll figure this out. First of all, what reasons did your bank tell you they couldn't help you until Monday? We're you trying to close your account? If they can't close it today, then you need to GO directly to the bank before they close today, speak with the branch manager directly, and place a hard debit block on that account until you can get it closed. This will stop any and all debits from coming out of your account, including yours, so if you need money, get out some cash first.

They could not even do that because it is Saturday and it closed at 12:00, she told me this right at 12:00. If you ask me they are being lazy.

Yes I was trying to close the account or transfer my funds to another account, but could not do this until Monday because of it being Saturday.

Do you know if there are any other payments on these Internet loans come Monday?

I really could not tell you, but to my knowledge no.

Let's pray not! :shock: Monday you need to scamper to the bank first thing and get that taken care of. Do you have email addresses for these Internet companies, you might want to search for those so you can send an email to them and revoke any and all wage assignments you may or may not have agreed to. Please don't let these companies know you are closing your account until it's closed and safe. Monday, you need to tell the bank that you want the phone numbers and names of the ACH processing companies who processed these transactions for each and every one of these companies. After you obtain that information and have your account safely closed or have a hard debit block put on it, you need to call these ACH processors and tell them there are some unlicensed and illegal pdl companies that are bleeding you dry, tell them they are not authorized to debit your account any longer, but they continue to do so, and you will have to put the pressure on these ACH processors in order to get them to help you. I am going to give you a link at the bottom of this post and ask that you read it thoroughly, it will help you understand how these ACH processors work, and how contacting them have helped others.
http://www.debtconsolidationcare.com/paydayloan/ach-processors.html

I can not read the topic because of that advertisment that is in the way.

I use the firefox browser, which has an adblock built into it, so I never see any of those unless I am using Internet Explorer. You must be using IE. If I repost it, will you be able to read it?

maybe

if you put it in your last post as a quote I might be able to read it

Here is the post as a quote.

ok i just recieved an email response from Gail Sauter and this is just what it said

Mr. xxxxxx,
Federal Rules provide you an immediate, no cost, relief method to stop ACH entires to your bank account, which is to go to your bank and file a revocation of ACH authorization. It is simple, quick and free. Your bank will immediately process the instruction from you and prevent further ACH debits to your bank account. The resource that is apparently your source of misinformation would be serving you and others better, if they gave you the above simple fact.
And, we are not legally empowered to conduct any of the actions you are requesting below.
Kind regards,
Gail Sauter
Senior Consultant
Main: 888-718-6767



So now what do I do?

Yes yes, in a perfect world that would work, except for one thing, these pdl companies, especially the illegal ones keep changing their names! So unless you place a hard debit block on your account so there is NO debits permitted, not even your own, these companies will simply change their names and continue to debit the heck out of you. I think llw should answer this and how to handle it because she has dealt directly with Gail, and actually got results. I will send her a PM and ask that she step in and direct you on how to handle this situation.

Well I have just contacting Oak dale law and they have taken over my accounts. I will let you know what happens.

Thank you so much for the help that ya'll have given me and I will be giving updates.

Good luck!

ahorse4yto. . .I hope all goes well for you with Oak Dale law. Should you change you mind, I would be happy to help you deal with our little Ms. Sauter. I know that it does work but I think she is getting a tad frustrated with the fact that they are doing something they shouldn't be. Good luck with all of this and remember, we are here to help if you need it.

Ok I am back. My old account is closed and the bank is going to block any ACH, debits or any other withdrawal from my new account until they contact me to OK anything going out of my new account.

Also Oak Dale Law is in the process of sending out letters to all above listed company's to stop the ACH and then they are going to try to get some of my money back. Let's just all hope and pray the this works.

To llw1995,

What is up with that lady? Is she just a bad word or is she getting frustrated with all that is going on with other people? Thank you so much for the offer to help but if you think that you can use what she sent me to help someone else please do.

I will keep all informed of my progress.

Thank you to all that was there to help me. I am still upset and crying because of my real bills are pilling up, hot checks some by the way the bank is going to try to fix. It is just all so overwhelming and I am still going to come on here to see if I can be of some support to others.

BEWARE THE PAYDAY HOGS!!!! DO NOT BORROW FROM ANY PAYDAY COMPANY THAT YOU ARE NOT SURE OF ESPECIALLY ONLINE COMPANYS!!!!(not yelling at anybody just trying to get the message out)

Again thank you everyone!!!!!

We wish you well ahorse4uto and hope for a possitive outcome. Please keep us posted on your progress. :)

I can't find any actual e-mail address for this company? I have a loan outstanding due on June 3rd and I don't know what they are going yo do to me - I borrowed $100.00 in april, they took out $60. and extended it t6o june now i cant get in touch with them

ahorse4uto. . .sorry to hear that little Ms. Sauter is being pig headed about this whole thing. Let me give you an excerpt from an email I received from her.

Revocation notices, other than to the party to which you gave the authorization are, according to Federal Regulation E and NACHA rules, given by sworn Affidavit by the consumer to their bank, and by notifying the business to which they gave the authorization, in the manner their authorization specified. The consumer's institution conducts the Authorization Revocation notice to the Originating business. That is the proof on which we would cause the merchant to act. We have never had a consumer, until you and your friends within the last few business days, ask us to accept a revocation notice differently than the Federal Regulation E and NACHA rules specified manner. I have already instructed you correctly to file the Authorization Revocation claim with your institution. I also have already offered to assist you in contacting the business and achieving immediate recognition of an Authorization Revocation, even without filing an Affidavit with your institution.
We have not previously experienced a business we serve failing to comply immediately with the consumer's request. You have not yet provided to me sufficient information for me to contact a business customer about a specific authorization you wish to revoke, such as the business name, your name, date of last transaction and the last 4 digits of your bank account number. Without that information, I am unable to assist you.
You are welcome to call ACH Commerce. They will also inform you correctly of your recourse according to Federal Regulation E and NACHA rules covering ACH activity. And, if you are seeking assitance with contacting a business to revoke authorization to a business served by Advantage Payment Systems, they will refer you back to me. I will be happy to help you make the call to the business and ensure they receive and act upon your notice of Authorization Revocation.
Kind regards,
Gail Sauter
Senior Consultant
Main: 888-718-6767
Direct: 702-655-7595
Fax : 702-256-0271
gsauter (@) advantageach.com


I think that little Ms. Sauter speaks from both sides of her mouth. She has cleared offered to help me AND accomplish it without benefit of going to the PDL or my bank by just supplying the information which I have previously suggested to people on this board. I have responded to her, enclosing the part of my C and D letter that clearly indicated my revocation of the ACH authorization, and I have not heard back since. As you can also see, she has clearly indicated that she is an employee of advantageach.com and by calling ACHC you would be referred back to her at that email address and a phone number which is totally different than ACHC's. Please keep me posted.

And yes, to answer your question, she is not the most congenial person to deal with. I also think that she is seeing the handwriting on the wall and it is, to put it mildly, just a tad pissed at all of us right now. Too bad I say. It's about time those who may be guilty by association share in the consequences. I have stated numerous times that I have no sympathy for the PDLs nor do I have any for the folks who know what is going on and continue to indulge in that behavior. Good luck.

It is me again. I have not had a good day. My bank called this morning and informed me that I am still using my debit/ATM card. My reply to that was no I am not, that account was closed and I left them with a piece of paper concerning all the transactions that was due to come in on that account including checks, debits and atms. Well then they told me that there is two debits comming out of the old account from Heritage, I then told them that I did not know them, so they gave me their number to call and when I called them they told me that they do transaction for epayday, also known as paydayloanyes, I also told them what they are trying to do and they told me to call paydayloanyes, that they could help me. When I called the bank to tell them what I found out they then told me that there is nothing that can be done, the transaction had to be honored because of the debit card and I told them that I had never given them my debit card information. Well guess what I now owe the bank!!!! Well I also have news for them, we are going to the bank in the morning to close all accounts with the bank and talk to the president about the situation. I am also going to inform the president that his employees jumped the gun and was rude to me by telling me that we are still using the debit cards, instead of asking us if we are still using the cards. I also called my lawyer about the situation and he is going to call the company in question and ask them what they are trying to by withdrawing more money with a different company name.

I will let you know what else transpires this week.


ladywiretwister my advice to you would be get away from that company and any others that you have as far as an email address I would not know what to tell you there. Good luck with it and I will try to help with anything you have but I do not know how much help I will be.

Run, do not walk to you bank and get those accounts closed ASAP. Make sure they will not try to force it open if a debit comes through. Good luck and keep us posted.

I'm sorry to hear this is happening ahorse4uto, I do hope you can get things cleared up, don't give up the fight. Something similar happened to me at my bank, I searched on the net for the name of the CEO, and obtained his email address, I explained to the branch Manager I was in the process of contacting the CEO to inform him of the mistreatment I had received, as well as the bogus charges, I had a nice letter all written up ready to go. The Branch Manager was more willing to help me then, I even received a refund to my account the bank had charged me. Sometimes you just have to apply pressure, and keep applying until it hurts. Good luck!

That account is closed!!! Just got back from the bank and the account balance is 0.00.

Ok we are currently on the phone with Paydayloanyes and they have agreed to refund us some money back. I can not believe that they have acctually said that we we have overpaid and will be sending the money back to us. We will let you know how it goes.

make sure you get a PIF letter....have them email you one...just to make sure!!! Congrats!

Already done that.