getting out...one step at a time...one hair less on my head.
Date: Thu, 07/17/2008 - 05:05
i am in ohio. my loans are as follows:
ACHLoan: 200, Paid 74
LoanPointUsa: 300, Paid 1080!!!!
OneClickCash: 400, Paid 240
Loan Shop/Hampton: 400, Paid 120
Loan Shop/DMS: 100, Paid 240
ZipCash: 500, Paid 300
Greenlight Funding: 200, Paid 85
CashTransferCenters: 700, Paid 0
PaydayOne: 500, Paid 0
CashnetUSA: 800, Paid 0
I have two storefronts, but am in process of working out payments with them.
I bank with a credit union and they have been VERY helpful in this matter. I was able to go to deposit only, with terms to pay back my negative account.
I spoke with my employer and they have been VERY understanding on making sure any calls/faxes/mail are not bothered with. I have provided them the letters I have/in process of mailing out (certified of course) to each company. My paycheck has been stoppe for direct deposit and my husband has opened an account.
I am trying to take this one day at a time...but it is a bit overwhelming. I have taken the advice on these forums and have drafted all the necessary letters to correspond with each company.
By the way, ZipCash is no longer making loans. What does this mean?
Thank you for your time in reading this post. You have all been so helpful to this almost bald lurker!!
Welcome and congrats on your decision to leave the PDL world beh
Welcome and congrats on your decision to leave the PDL world behind! Looks like you have done your homework and are on your way to setting things straight. Please keep us posted on your progress and know that if you need assistance someone is always here to help out. Best of luck. Oh. . .and thanks for the tip on Zipcash. . . .as for what it means I am not sure but any day a PDL stops loaning money, is a good day for us!
so ACHLoan has stated via their customer service that i am bound
so ACHLoan has stated via their customer service that i am bound by ireland, blah blah blah. i resent the same information stating that i am a resident of the US and bound by the laws of my state. i am not a resident of ireland. i asked for a physical address to send my payment for the principal amount, which is $200, less one rolleover of $74, for a total of $126.
i am waiting for the phone calls to start. but i will not be bothered. i am sending all information between myself and this company to the attorney general of ohio.
is there anything else i should do?
You could also file complaints with the BBB and the FTC. Good j
You could also file complaints with the BBB and the FTC. Good job on putting them in their place regarding abiding laws! Keep us posted.
Yes, it is VERY important that you file complaints with the FTC
Yes, it is VERY important that you file complaints with the FTC and your Attorney General, all this can be accomplished on line, and most of the links are in my signature. Please file complaints, the more complaints received, the better the chances of getting this madness stopped! :wink:
i sent ohio's attorney general the responses back and forth betw
i sent ohio's attorney general the responses back and forth between myself and ACHLoan. hopefully that will be sufficient. i will not go to the FTC to make the same complaints.
ACHLoan says they will continue to ACH my account. it doesn't matter. the account is deposit only right now anyway. good luck to them. they consider my reponses "closed" and won't be responding back. i will keep hitting them up though.
i sent an email to LoanPointUSA this morning and haven't heard back. how long does it normally take?
i feel a bit sadistic with this pressure off my back.
May I ask why you don't want to fill out a complaint with the FT
May I ask why you don't want to fill out a complaint with the FTC? IMO it's important they are informed. The more information they (FTC) receive about illegal pdl's, the better.
It varies from pdl company to pdl company, most likely what is happening they are forwarding to your emails to someone higher up, you'll hear from them, no worries about that. lol
i meant to say that i would go fill one out with the FTC. just d
i meant to say that i would go fill one out with the FTC. just did. i put "nots" in the wrong places sometimes. :D
xine, have you sent Cash Transfer Center a letter revoking the w
xine, have you sent Cash Transfer Center a letter revoking the wage assignment? They will send one to your employer for sure. Just wondering if you already covered that. :wink:
Thanks so much, I really advocate people do this! :)
Thanks so much, I really advocate people do this! :)
i have not sent one to CTC yet. i have not defaulted with them c
i have not sent one to CTC yet. i have not defaulted with them currently, but will next tuesday. i plan on sending them the revocation for wage assignment either tomorrow or saturday via certified mail, fax, and email.
my only question is what does it take to send something out of the country? i haven't ever mailed anywhere outside the US.
i appreciate everyone's support and advice. it really has helped me stay focused in getting these taken care of once and for all.
xine, I just faxed mine. Believe me, they will get it. Even thou
xine, I just faxed mine. Believe me, they will get it. Even though I sent them a letter revoking it, they (of course) sent one to my employer anyway. And it came via fax! So, I sent it back to them via fax. Jerks. So, just don't be surprised if you get one sent to your employer even after revoking it. CTC is retarded! But, like I said, you can do it via fax. If you have email, you can send it that way too. Honestly, they pay no attention. It's mainly for your records to cover your butt when they do send it to your employer. :wink:
Welcome to the Community xine :D Congrats on taking a hold of y
Welcome to the Community xine :D Congrats on taking a hold of your financial situation and getting things resolved! As Cannr said, be sure and cover all your bases and keep notes and copies of everything you get or send.
It is also good that you are working out something with the store fronts, as they are the ones likely to take you to court, or at least they are here.
Let us know if you have any questions we are here to help.
I deleted your duplicate post so that all your replies will come to this one post..Good Luck..karen
If you are dealing with CTC, try sending your info to this addre
If you are dealing with CTC, try sending your info to this address.
Northway Financial Corporation Ltd.
Steve Reay
Floor 8 Suite 3, Plaza Commercial Centre, Biazza Street
Sliema
MT
SLM15
+356-21322461
[email]js@blizzardi.com[/email]
Yeah, CTC and Northway are bad news. Before I ever knew any o
Yeah, CTC and Northway are bad news.
Before I ever knew any of the information I have learned here about illegality, etc, they managed to garnish my wages for $1100 on a $300 loan. I just went and looked over what was sent (via fax) to my payroll department, and they actually sent a wage assignment that they had marked as a garnishment. I didn't know there was any difference so I didn't dispute it with my company.
If that whole mess hadn't been 2 years ago, I'd probably go after them about a refund. $800 would come in handy for my upcoming honeymoon!
Congrats on your impending marriage! What they hey. . .if they
Congrats on your impending marriage! What they hey. . .if they can decide after 2 or 3 years to try and collect on a debt what is stopping you from asking for a refund. . .2 or 3 years later! Keep us posted.
Updates (long winded): Storefronts - Check Into Cash - Accep
Updates (long winded):
Storefronts -
Check Into Cash - Accepted a payment plan after defaulting. Since I had been such a loyal customer for such a long time, they decided to work with me.
Advance America - Haven't heard anything yet. Kinda worried about this. I have called twice, but no pick up. Going to try and try again. I am sure they sent the check to the bank, but I haven't gotten the call to say that I defaulted.
Internets -
Zipcash - Offered me a settlement. But not the settlement I required. The original amount of the loan was $500 and I have paid $300 already. They want me to pay $350 and sign the mutual thingamabobber. I offered to pay $200 to clear the loan and have it marked Paid In Full. Should I resend them the documents? They only called me once and seem to be honoring my cease and desist. What should I do????
Greenlight Funding - Haven't heard a peep. Sent them the cease and desist, revocation of ACH, and revocation of any wage assignments. Should I be concerened?
Loan Shop - I have two with Loan Shop (one under Hampton, one under DMS Marketing). They sent me the first notice and I fired back with my letters. Haven't heard anything back yet. DMS should be giving me a refund, but I owe the remainder principal balance on Hampton.
LoanpointUSA - I haven't heard anything since I filed with the AG and the BBB. They owe me a huge refund, so I am not sweating it too much.
OneClickCash - Spoke to the "nice" customer service rep and he asked if I was going to voluntarily (sp) pay the $700 I owed them. I told him about the licensure...and of course he told me they didn't have to follow Ohio laws. I reminded him of the Cease and Desist...and he told me that was my right. And that was that. I did have one call after speaking to him, but I haven't heard anything yet. I am sure the CA will try to get a hold of me.
CashTransferCenter - They keep calling...I keep not answering. I don't know what to do with them. I sent them the letters (with the revocation seperate), filed with the BBB (international), the FTC, and the AG.
ACHLOAN - I haven't received any calls yet.
PaydayOne - Set up a payment plan to pay off the remaining balance. I was asked why my bank account wasn't opened...but at least they are willing to work with me. I have to use Moneygram...so I guess that's ok?
Installment Loans -
ThinkCash - No luck with getting an installment plan to pay off the balance. I suppose I could just pay more to get it cleared up faster. I actually spoke to the same person who worked at PayDayOne. It freaked me out quite a bit.
CashCall - Since I am not on my husband's checking account and I am not going to open my own account for awhile, they will only let me pay by Moneygram or Western Union. Maybe I will just pay extra to get them off my back.
So there you go. I am taking it one step at a time...feeling sick to my stomach though...but hopefully it will get better.
It will get better. Sometimes it just takes time. Try not to t
It will get better. Sometimes it just takes time. Try not to tie yourself up in knots. Keep us posted.
just had a rather spirited conversation from a ms. katherine o'n
just had a rather spirited conversation from a ms. katherine o'neil from cashtransfercenters. i told her about my cease and desist...she said it wasn't on file. so i sent it 5 more time. same as the revocation of wage assignment. i also told her it wasn't my fault that people don't know how to update the system with new information.
basically the conversation boiled down to me asking what bank provided the loan. she said northway. i said are they licensed to lend in the US? she said that they were licensed to lend according to malta law.
she asked who signed my contract documents. i said "god could have signed them."
she said that i have to pay all the fees according to malta law because i pay tax. i told her that tax is levied by the United States government. plus i didn't know where malta was.
she said that i was trying not to pay. i told her that she was putting words into my mouth.
then i told her that she could go ahead and send me to collections because i wanted to see the debt validated. she seemed to not want me to send collections.
so that is how the story goes.
Sounds good to me. Once you start reading the facts to them the
Sounds good to me. Once you start reading the facts to them they don't like it. Then they know they are not dealing with a flunkie. Keep up the dialogue!