Panicked in Indiana

He said they were getting ready to put a negative hit on my social security number. uugghhh...I will send for a copy of my credit report tomorrow. How do I dispute it wilth the credit bureau?

I answered the first two unknown numbers and they wanted to put money in my account...I said not interested and hung up.  I had two hang up calls also.  At that point, I just started ignorning any calls I didn't know who they were.  My first pay day hit that didn't happen was last Friday.  It hasn't been that long. That is why I was surprised to get two PIF's already.

As for the banks....that whole attitude is wrong.  I read on here tonight someone went to a bank to close their account and they were told no.  I was as well. That makes me so angry.  You are already vulnerable...I was ashamed.  Small town....so I said to the manager today, don't I have the right to dispute any charge on my account?  She said yes, but since she told me she had been told she shouldn't have closed my account, I really didn't want to give her a hard time.  And I didn't know if they had the ability to open my account up or let those charges go through next week..I wanted to make sure we were on the same team...if you know what I mean.   : )

The PIF's are good - I would be done with those two.. As for the bank - it shouldn't matter who or what you are paying - it would be like the bank saying you have to make your house and vehicle payments a certain way .. they do not control your account and money.. I didn't get any calls really - but I included in my letters that I would only discuss via email or US mail only.. That they were not allowed to call me, my work or my references. Who turned you over to collection already? 

I think Sure Advance and Cash Direct Express are both in Delaware so I am going to file a claim against both of them.  They both sent me PIF letters immediatley.  The bank thing is so weird....they just don't have any idea about the PDL thing....it is like they think you are trying to rip someone off when in reality you have been robbed blind.  It has only been a week since last Friday that I missed my first pay day.  I was expecting phone calls like crazy and I haven't gotten any.  Just one..turning me over to collection and two PIF's.  Out of 9!!!

Did he say why on the account closing being wrong? Di d he threaten you that they were going to reopen the old account.. maybe he needs to be reminded that you can file a complaint against them with the FTC also!- you have every right to close your account when you want, you can revoke ach authorizations when you want - it is your account and your money, Banks are some times so annoying like they control things. But like you said better that they can't get to your money! Filing with the AG is still a good idea, the more complaints they see, the more likely they are to do something.. is how I feel about it.. even if they don't, you did your part. 

The lady I am working with is very nice...but her boss told her that she should NOT have closed my account for me. Well...that kind of freaked me out....like...were they going to open my account up...so I backed off of the dispute of charges.  So...today I thought about it and think I need to be happy that they can't get me for any more money....It is what is is....This site is so wonderful. I printed off forms to file with the Attorney General, but since these places are illegal and offshore, is there anything they can do?

Thanks for your support,,,I can never say thank you enough...The only reason I was putting off mailing the letter to Cash Cure is because I am not going to be able to pay them anything for a month....I still have a long way to go with most of the PDL's, and it will take me a long time to catch up on bills....but at least I see a far away light at the end of my tunnel.  As far as the banks....don't I have the right to dispute any charge I want to?  That doesn't mean I will get any money back, but I think I have the right to dispute it....Yes...PIF's make me happy...but a little extra cash to pay some bills would be nice....I have applied for a part time job to supplement my income....I just don't understand the banks deciding what I can dispute..Thanks so much again!!

Yes HelpinAz...I am in a much better place...I won't let the dispute thing get to me...I just think they are passing judgement on me being a PDL junkie....ha

You already have your bank account secure - go ahead and email them... You don't need to wait... when they agree in writing to the $282.00 remember it is still on your timing -  what you can do when, as Paul stated you are in control.. I am sure they are illegal..they are another housed out of Delaware and not licensed in your state to lend.. Stop second guessing... Are you waiting to send any others out?  

Being happy with the PIF's and out from under all of this may just have to be enough.. don't let trying to get the refunds take control of things for you... You are already in a better place.. 

It is not that they are passing judgement and even if they are -- so what, they don't know what situation you were in... I think the reason, is like I said though - up until you revoked ACH authorization - you had told them they could.. if they reverse them the lenders,  can argue saying they had your authorization is all I was saying.. 

Sure Advance has also sent a letter stating they will not send a refund but they also consider the account as paid in full.  I find it interesting that the two lenders that responded quickly with account satisfied letters are located out of Delaware.  Found some interesting Indiana law today that they could be responsible for three times the amount borrowed.  The bank, if it so chooses, can reverse the charges for 60 days

Great news on the two and just because they state they are out of Delaware - really doesn't mean they were - possibly even offshore...  Glad they have already sent PIF's - print those and keep in a safe place... Getting the bank to go back prior to you revoking ACH is a little hard to do... I have seen others on here say they have, I could not get my bank to do.. 

Glad we could help... keep us posted and remember when you are setting up the payment plans, to keep it on your terms, what you can live with.. and only prepaid debit card or money orders - nothing linked to the new account.. 

did the one pdl you still owe agree to the amount owed?meaning the amount you really owe.not what they think you owe,and get it in writing even via email.just don't make a payment plan.make sure it's what you truly owe,and as helpinaz stated on your terms,not theirs.you are in control despite what they think,or believe.

Their first payment I will miss is next Monday, so I am not going to email them until tomorrow.  They 'loaned' me $600 and I have made two payments of $159.  I will offer to pay 282.  I will not begin making payments until they agree.  I am a bit  nervous.  Second guessing everything.  Cash Cure is illegal, correct?  Also, I told my bank I wanted to dispute charges that were made to my account within the last 60 days and they are stalling.....I have that right to dispute don't I?

Not unless you give them your bank account info... and yes you closed that other account and revoked ACH authorizations..the bank would be liable. 

Cash Direct Express already emailed me and said they are considering my account paid in full!!  Of course I was asking for a refund.  But I am amazed.  $743...gone....Thank you everyone!!!  One down....eight to go!!!

Congratulations!!! So Happy for you!!!

I went to the bank and they would not close my account.  I did not have the letter with me but I have it now.  Should I just go to another branch? 

They might try - but I don't know why you would be nervous.. You would win.. and you have the email from VIP - saying it is paid in full.. print and keep in a safe place.. like I said they are using scare tactics to get money out of you - if they call again, tell them not to call you at work - and that you need a debt validation and you would like their contact information to mail them a C&D.. relax you are making too much out of this -- especially since you have a PIF notice for who they are saying they are collecting for..

Can they sue for an illegal loan? I am getting nervous??

I did mail them a c&d snail mail. ok thanks bunches off to job 2.. ,,,on the road to recovery......one day at a time!!!

It was a manager that said no...I probably said too much and she, I am sure, was unfamiliar with PDL's.

I have a question about Zip19.  It is a loan that is paid in full every payday and it is not a rollover.  I renew every payday, so will I owe that loan for the full amount?  I really appreciate everyones help.  Reading the previous forums, I think I have a couple of difficult loan places.  But if this gets me out of this cycle it will be totally worth it.  Thanks so much.

Lets see if it is on it first, may have been an empty threat....and getting ready to, may not show up for awhile.. Could be a scam! I have never dealt directly with Total Recovery - someone else may have - see if you can find anything else on the forums..

Hang in there.  You are on the right track to get yourself payday loan free.  Again, it does take some time but eventually you will be free.  GOOD LUCK!

I can't find a list of legal  lenders in Indiana...

Thank you for helping to stay calm...tomorrow night will be worse!

These were all internet loans based from Indiana.  I have one store front that is legal and I am on the EPP there with 2 payments to go.  I thought these were all illegal, but I can't find the list.

Great Job - so happy to hear the good news for you on getting some money back, from your bank.... I would start blocking the numbers, so they are not ringing through... makes it a little more peaceful. Again - Great job, as always keep us posted. 

Update!! Starting to receive some calls and emails from some unhappy illegals that wanted to live off of my paycheck.  But the good news is my Bank (US Bank)  was able to put $982 back in my account last Friday.  It is not near what I had paid out, but very helpful.  Everyday there are emails to send, calls to not answer, forms I am still filing with the AG, BBB, and the DIF.  But if we can all be dilligent and not give up....we will slowly get our lives back.

Yes, I would send them a C&D - I would report them and if they call again - you need to tell them they are not to call you at work. Are they reporting on your credit?

There is no list per se of which are legal....state of Indiana will have a licensing board that you can look up each lender.  HOWEVER....I usually look at the lenders website...if they are located offshore or are tribal, they are illegal.  Most in the state of DE are too.

You are welcome, just remember you are not alone in this... Keep us posted.. 

Keep up the good work and keep us posted on all.. Best to just keep the bank account closed.. Did you open a new one there or some where else? 

I could not have not it without this site.  When the first bank refused to close my account, I was lost.  I am a google queen and had never googled about PDL's.  I think I was in denial.  Once I found this site I found my voice again.  I still have hurdles in front of me...I plan on starting a part time job very soon.  Thanks to everyone who takes time on this site to help.  I really don't think I would have ever gotten out of the cycle if it wasn't for this site.  I didn't have a dollar left to buy a lotterly ticket so all hope was gone.  : )

I will ask the helpful bank manager.  I was afraid to mention it when I met with her because I was afraid she would call that manager (who was much older) and she might give her a reason why they shouldn't close the account.  I would love to get back that $1200.  I don't know how I let myself get into this mess, but I am going to do everything I can to get out....thanks to everyone's help on her.  Thanks so much!

I will email all of them tomorrow.  I wasn't sure when that was supposed to happen, so thank you.  Very nervous...hoping none of them have my parents info on anything.  I have had some of them for so long I don't remember.  Thanks for the support.  I will post when I begin hearing back.  I am also contacting attorney general tomorrow. I was wondering if the bank can reverse any of the debits if I request them too? The manager was so nice, unlike, the first branch I went to. That cost me that entire check. I have given up my entire check for way too long.

You might be able to get your last check back at least - go talk to the one that helped you explain that the other manager refused and see what they can do - once they list it as compromised you may be able to recoup some, my bank was helpful but we couldn't go past the date from the revoking of the ACH!

Is there anyway for them to access my account at a different bank?  Tomorrow is the first paycheck I plan to get in years...almost wish I would have asked for a papercheck.....I guess I would just go in and file a claim if that were to happen and the bank should reverse the charges???

I can't find an email for nationwide cash.  I haven't read much about them on the site....does anyone have any info or insite?  Thanks.

Glad all is working out... you will be find - glad we were here for you - keep us posted on progress!! Some people just don't understand, because they have never dealt with anything bad in their life... the girl at my bank that helped me had her own BK in the past so it made it easier for her to relate.. I closed mine and opened at the same branch, they had my old one on compromised deposit only hard block for 60 days to try and catch them trying to dip in after told couldn't ... 

Thanks to this site and all of you!  I think I would have ended up losing my house.  I couldn't find a way out.  I know it will get harder with the phone calls, but after going to the first bank branch and being treated like I was a thief, it was very difficult walking into another branch.  But I had discovered this site and all of you and had more confidence that my checking account could be closed.  They assured me the accounts would not be linked in anyway.  I will be nervous about it.  I am opening an account at a different bank, but I didn't want to say to the bank manager helping me, I don't want to do business here anymore, but I need your help....thought she would care about my situation more if I was still a custumer there.   

That is what we have been telling you... If you have your old account closed you will be fine.. It sounds like the person you worked with at the bank knew not to link the accounts in any way.. And remember we are here for you ... we have all been or are still going though the exact same thing.... :)

I contacted the Indiana Department of Financial Institutions today and was told ALL internet lenders are illegal in Indiana.  He said to close my account, and I told him I already had.  He said they will be relentless, but cannot legally get any money from me.  I emailed all of the lenders with notice of revocation of ACH.  Tomorrow is my first payday they will hopefully not be able to debit my account.  I will keep you posted. Thanks for the support!!

You want to send out your emails telling them that you are revoking ACH authorization and wage assignment.. now....if your bank account that they have info to is all secure and in no way linked to the new one.. they should be done today or tomorrow if can.. 

That was the balance I owed.  I am hoping they just wrote off the balance.  That would be nice.  If true, three down, quite a few to go!! Thanks!!

I just got an email from the VIP Loanshop that said "Thank you for your payment of $520.00.  I didn't pay it and today is not my payday.  I looked at my bank account and there were no pending charges.  What do you think? It makes me nervous, but do you think it is there way of saying PIF?  They shouldn't have my new bank info. 

They are not in your bank account, I have seen other post like this.. don't be nervous... Check with your bank today if it makes you feel better...they will not let it go through after you revoked ACH or they would be liable for the money... Is this what you would have owed them, if yes then print out and keep in a safe place... it says you paid...:D

Like I said keep in printed out in writing.. they said you paid, you paid - who are you to question LOL...

Friday is the first day I will be missing these payments.  I looked on the list for Indiana and I am assuming that all of these lenders are illegal because they were not listed.  If anyone could verify I would so appreciate it.  So, closed account, emailed letters to revoke ACH.  I have paid much more than borrowed on all of these.  Correspond by email or postal mail only...Tomorrow I will contact the AG.  Are my bases covered?  Never again!

National $600
Integrity $620
Nationwide $600
Sure Adv. $ 826
Cash Dir Express $625
MyPayDayLoan $750
VIP $450
Zip It $500
Cash Smart $550