i have multiple pdl's

I just got a email from western asking me if i wanted another damn loan

Keep us posted.. if you use the prepaid - remember to only put on exactly what you want them to take out... Tell me what they say to your counter and if you can only do one at a time, then that is what you have to do... Have you heard from any of the other ones?

I was reading some of the threads and wanted to know where in the contract is the wage assignment and what exactly would it say? I want to verify if I agreed to it or not with 2 of m illegal lenders USFastCash and BestChoice123.com. I already closed my bank acct and opened a new one so they wouldn't continue to debit but I wanted to check out that information as well in the loan agreement to verify if I need to state "revoking ACH AND wage assignment" when I e-mail the companies this week about my loan. Thanks so much!

Yes, and they are pretty good as far as my experience with that.. They are the one that is the bigger pain - keep us posted and we will be here to help..

Yes, and they are pretty good as far as my experience with that.. They are the one that is the bigger pain - keep us posted and we will be here to help..

thank you that'll be my response , I'm still waiting to hear from cash call , that's the one I think I'll have the most trouble with

I' m going to sent them all emails that i will only respond via email or USPS , is that a good idea ?

Did you go to Delaware, I didn't think so - Michigan lending requirements state for licensing requirements: Online lenders must be licensed in Michigan to lend in Michigan - so unless they can show proof that they are licensed to lend in Michigan, they are Full of Poop... They need to agree to $700 on your terms of repayment or nothing, plain and simple

some won't show it to you/they will just e-sign it like your forms,and submit it to your employer.the important thing is getting some kind of revocation to your employer.so again it will be e-signed,and most likely they won't show it until they try to invoke it.

I got an email from sure advance stating that they were licensed in Delaware , and that Del. laws apply , they did say that no ACH debits would be drawn , and i could settle for $732 , the loan was for $700 , I'm still pondering my response

i'll do that , i'll probably pay with a prepaid visa or mastercard , I'm gonna check out my budget and pay accordingly , great advice , i'm gonna share my experience with others , i have 7 more to deal with , but this one little step buoys me to no end

got an email from mobilloans , they said they wil no longer debit from my account, they can't it's blocked, and will settle for 4 biweekly payments of $225 , not gonna accept, the loan was for $900 , you sure know your stuff, I couldn,t have got this goin' without your help, I can never thank you enough

Thanks for the thanks, but we have all been were you are.. we are all here to help... and will continue to be there for you...

It is good to know that they got you ACH revocation..4 payments of $225 is $900... but you need to offer them what you can afford when you can afford it.. they are offering to take the principal only so that is good... give them a counter offer of how you can pay it off and re-email it to them, remember you want an address so that you can mail them money orders.

worse case scenario for them you can fax the letter - fax number is on the same page....

I googled the email adress and saved it before I sent , you're alright Azzy

mobilloans llc has my account locked how do i send a revocation letter ?

Yeah - they will attempt to get you to re-borrow --I know amazing, like you will forget they are unlicensed and illegal..

I believe the spam hackers hit a little while ago.. It may get hard to post for the next little while please be patient... you know April Fool's

which link is it ?

you need to click on the link on how to deal with illegal lenders under HelpInAZ's post. Follow every step, do not skip.

ok i've defaulted with cash call , what doi do now, i just couldn't pay, had rent, utilities car insurance the only way to do it was to get another loan , I'll NEVER do that again

and i make payments by my budget at a rate and amount that i can afford ?

Yes... :) Like I said you are calling the shots.. You want them to agree to what you are saying before you send anything.. and you want to communicate via email or mail only so you have written proof of all.

if you want to try to post one of your letters here we can look at if you would like before you send...

When are your next round of payments due?

So since your account is locked down already - you need to get those ACH revoke letters out... now!!! You should have done 3 days prior to due dates...

Email just like the rest - you still need to revoke ACH auth- on those to remind them that you have paid well over your principal balance and that you are demanding refunds -
Plain Green - $330
American Web - $840

You will more than likely never get a refund but you have to ask for it.... and if you do by some chance get - do not cash at your bank..

i have 2 loans that I've overpaid on do I email them or usps of my intent to include both accounts paid in full

oh by the way ,they're plain green lending borrowed 800 paid1130and american web loans , borrowed 600 have paid 1440

They should not be able to access your new account.. make sure that they new is not linked in any way to the old one..... You will still want to give copies to the bank of the ACH revokes though, that way if they do let anything through then they are liable for after the revoke has been done. You want to get the revokes done right away...

when i call these illegal lenders do i tell them that my state law requires that they be licensed in Michigan , and my state doesn't allow rollovers , and tell them the maximum interest allowed by Michigan law as a basis for my decision ?

1st of all you don't call them - follow the link on how to deal with... http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html... form the sample letters to meet your needs... and email them to them if can from their own sites.. or mail.. try to stay off the phone with them... ACH revocation and wage assignment cancellations have to be in writing.. you need the proof to show the bank and your payroll department..

when i call these illegal lenders do i tell them that my state law requires that they be licensed in Michigan , and my state doesn't allow rollovers , and give them the maximum interest allowed by Michigan law ?

I've closed my account will they still try to debit from my new one ?

Yes, wage assignments are strictly voluntary, that is why you are going to cancel any wage assignment you may have signed!! And in order for them to garnish they must go to court and get a judge to allow.. and that is never gonna happen..

Remember when you are working out arrangements to pay on the balance of principal only minus anything already paid that you are the one in control!!

And you are welcome - remember we have all been where you are and will be here to help with what we can..

are wage assignments strictly strictly voluntary ?

i'm so glad i found this sight I can't even begin to thank you enough , I know it's just the beginning of a long and hard process but now i have hope again , thank you

When you send out the letter to revoke ACH authorization you are also going to cancel any wage assignments that you may have signed... and you will give a copy to your payroll department... so no problem... Western Sky/ Cash Call is the only real sticky one you have I have been dealing with since Oct.. and they have not attempted wage assignment...

Follow the steps in the link... and please make sure your bank account is secure before sending the ACH revocations out and make sure that your bank has copies..

Western Sky is Illegal Tribal also... I don't see the link for you above it is in my signature - but to make it easier for you here it is - follow all the steps in order... http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

yes it was through westen sky

the great plains loan was for,700 my mistake

will these companies evoke wage assignments immediately , or will they try intimidation first ?

cashcall 294, due TOMORROW us fastcash 150.00 due 4-5-13 american webloans 180 due 4-5-13 great plains 12.43 due 4-5-13 great plains 118.13 due 4-5-13red leaf lending due 4-5-13 150

as you can see there's no way i can pay , that's how i got into this mess borrowing to pay what i borrowed it has to stop

The same one that I have given you already - how to deal with illegal - unlicensed lenders.. This is the 3rd time I have pasted into a reply and it is in everyone of my post via my signature lines.
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

duh , I'm glad you're here to help me with this, I' be lost without your advice , I'm doing everything you have posted .one question do i give my employer the same letetr i sent to these lenders or do I draft one tailored for all wage assignments

Stay off the phone with them, all correspondence with them needs to be in writing via mail or email only!!!!! - just block their numbers. remind them via email that you are only willing to discuss via mail or email.. you only owe the principal.. and at your own terms.. Cash Call was through Western Sky - tribal.. They will be the hardest...

that's what I have to do I guess , haven't heard from plain green or great plains yet , but i'm gonna email them the same , mail or email ONLY , your advice has been invaluable i paid all my utilities and my rent and I had a little left , really feel i can do this, I'm still worried though

First off try to stop worrying - it will be OK. Glad to hear that you had money to cover the more important things in life..

Now...Lets get a status on all - to see where you need to go...

great plains lending $7003 paid $355 balance $345 - I would send them reminder with what you will pay when...Have you tried to log on to your account with them?

plain green loans ILLEGAL TRIBAL 4 borrowed $800 have paid$1130 balance ZERO - I would also try to log in to your account and see what it says, and I would resend email demanding PIF

us fastcash ILLEGAL TRIBAL borrowed $ 500 paid $150 balance$350 - Status??

mobilloans llc ILLEGAL borrowed $900 , no payments yet balance $900 Status??

american web loans ILLEGAL TRIBAL borrowed $600 have paid $1620 owe ZERO Status??

red leaf lending ILLEGAL TRIBAL $400 balance 340 have paid 60$ - Status??

sure advance ILLEGAL borrowed $ $700 no payments my account is blocked - Status??

WS/CC borrowed $2625 balance $2625 have paid $ 440 - Like I said stay off phone and if need resend them email reminding them that all contact is to be through email or mail, should have been stated in your original email to them if you used the template out of the link I sent you!

The rest you are only morally obligated to repay principal balance minus anything already paid - lay out to them how you are will to repay and make them agree to before you send them anything - then I would recommend only paying via money order via mail.. if they disagree then they get nothing...

well i heard from cash call , they want $200 bi weekly plus interest , i cant pay that , i told them that i would have to check my budget ,and get back with them , I'm so worried about this , didn't even think to write down the callers name , I sure wish I'd never gotten into this mess

yes it started with western sky, got an email from american web loan , they said will settl for 50% of what i owe, but ive overpaid by $800 , sent back an mail saying that I wanted that amount refunded back to me , said the same to plain green , they haven't made any arrangement offers

every loan I have is currently in default