Help!

Here is the link:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
Read it, live it and stay the heck away from payday loans.

You are in luck! All payday loans are illegal in PA. You are only morally responsible for paying back the original principal amount borrowed, nothing more, nothing less. On this site, click on forums, then click on payday loan help, then click on sticky on how to deal with unlicensed lenders. Follow every step, do not skip. Good luck and keep us posted on your progress.

Remember you are in control of how you repay them -- mail only money orders.. the ones that are working with you so far -send them emails telling them that what you are willing to do when to make it more affordable for you and when they accept the offer then you do.. no form letter - just spell it out for them... the one that still wants more than what owed.. tell them no, this is what you are willing to pay and how and when they accept then they will get money..

The ones that are ignoring I would resend original revoke letters..

Good luck on your progress. Also, print the PIF's and keep in safe place in case needed for future reference.

So I sent the ACH revocation letters. My bank has been wonderful - they put stop payments/stop ACH's on all the accounts in question and reversed several that went through this past Friday. I also filed complaints with PA SAG Office.

whitehills borrowed $405.00 paid $364.50 balance $40.50 - they are saying my balance due is $526.50 and that I mail it to them. They stated they do not fall under our laws since they are under " Ft. Belknap Indian Community law"

Prestige/Vince borrowed $250.00 paid $220.00 balance $30.00 - they totally ignored me and hit me on Friday, which my bank is reversing.

Shamrock borrowed $300.00 paid $340.00 balance -$40.00 - received PIF email.

one click borrowed $450.00 paid $405.00 balance $45.00 - they too ignored me - have not seen them try to hit my account YET.

Ashland/crestwood borrowed $300.00 paid $180.00 balance $120.00 - they will accept $200 to close account - but want it in full 4/19.

Blue King borrowed $400.00 paid $212.00 balance $188.00 they too totally ignored me but have not YET tried to debit me.

Sonar/Optimum borrowed $200.00 paid $120.00 balance $80.00 - they too totally ignored me and hit my account Friday which my bank is reversing.

Payday Mobility borrowed $200.00 paid $154.00 balance $46.00 they ignored me and hit my account TWICE - my bank reversed the first one and is going to reverse the second one.

oakwood borrowed $200.00 paid $60.00 balance $140.00 - they said they will accept $140.00 but also want it in full by 4/19.

Cashnow borrowed $200.00 paid $0 balance $200.00 - they wil accept $200 as payment in full but want it by 4/12.

SOOO my question is - how do I respond to those that have "made offers"? I really can't afford to pay them in full by the dates the are requesting, and I'm not sure what to do about Whitehills, since they are wanting more than the principle due. Is there some type of "form letter" that I can send to counter-offer? I have every intention of paying off what I borrowed, but I just can't do it all at once. Thanks for your time!

So i got this in my email this morning. It came from carole.ftc@gmail.com. I xxxx'd out my personal info, but it was all correct. As stated previously, i have several pay day loans, but none are with US Cash Advance.

Let me introduce myself. I am Senior Affidavit Processor Officer Carole Williams from State Investigation Department. As we were trying to reach you since a couple of days regarding a very serious matter about a lawsuit filed on your name stating that you are doing some fraud and criminal activities.

I am really very sorry to say you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you I am sending you an final notification Email. So please take a piece of paper and write down your case file CA2d1180 and second thing since it’s a legal matter you will be needed my help, so please write down my callback number is 408-372-0192 Ext 2003

For the records you...

Name: - xxxxxxx
SSN:- xxxxxxx
Email: - xxxxxxx

The Factual Basis for the complaints is as follows:-

Mr. / Mrs. xxxxx , ascertained an income advancement from US Cash Advance with your Bank Account Information as collateral for said advancement.
Mr. / Mrs. xxxxx , agreed to return the funds from the aforementioned income advancement as per contract.
As of today’s date the funds have yet to be returned and the collateral has proven to be null, that is to say of no value.

At present, US Cash Advance is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.
Mr. / Mrs. xxxxx ,be proceeded against to the fullest extent permissible by current Federal Banking Law.

Mr. / Mrs. xxxxx ,as I was investigating your profile, I found you to be genuine person so it is my duty to help you out but for that I need some right answers from your side. Also we want to know your intentions?

So do you want to resolve this issue outside the court house, or you want to go to the court house with legal proceedings? This was a final notification Email to you as we found you to be genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount or the Settlement Amount as decide by the Court House? You have to give me a flat answer without any excuse.

Reply to me back on my phone number 408-372-0192 Ext 2003. or Email me.

Thank you

--

Carole Williams
Senior Affidavit Processor
State Investigation Department
Utica, NY
Contact: 408-372-0192 Ext 2003.
Fax: - 206-426-3556

That email is as fake as can be. The way its unprofessionally worded as well as the spelling mistakes are a dead giveaway. I wouldn't even worry about it. If you were being prosecuted. They wouldn't use the term court house and you'd have been served papers in person and in the mail. NOT VIA EMAIL.

a scam.report and ignore.

I thought the same thing, but wanted to be sure. what scares me is they have all my information correct. I will file complaints with AG and FTC and include a copy of the email.

Yes, report them. It does ease your mind somewhat.

Okay, so I did everything I was supposed (revoked ACH, worked with my bank, filed complaints etc.). I heard back from only a few of the PDLs and others never even responded. Only one was willing to work out my repayment of the principle on my terms and a few gave me their terms to which I replied "no" and have yet to hear back (I did find out the P-WEST is an in-house collection company for several of my lenders - Sonar, Vince, Shamrock as my replies came from P-WEST rather than the actual company I took the loans out with). So now my question is, what do I do about those that did not answer or did not answer back when I declined their offers? Do I just forget about them? Will they come back at a later date to haunt me?

And on a separate note, I just got 10 calls within 30 minutes from 901-217-8974. The first call they left a voicemail - a man with a very thick middle eastern accent telling me he was with the criminal bureau of investigation and that I have been warned that they will be coming for me if I don't call back and a whole bunch of other ramblings. I did just file a complaint with FTC and SAG on the phone number, but they just keep calling. I finally answered the phone and told them to send me something in writing and that I filed complaints against them and that if they continued to call me I would also be filing police reports for harrassment. He called me a "fat c****" and started rambling so I hung up. Was the the right/wrong thing to do? What is with all these middle-eastern collection agents and these harrassing calls? This is the 2nd one I've gotten lately. Sorry for the rambling - just trying to grasp what is going on.

Stop answering the phone if you do not recognize the number...it is a scam.

If there coming after you they wouldnt warn you, they'd just come get you

so i still haven't heard back from several of the lenders. I've sent at least 3 emails pretty much saying the same thing - ach revoked, wage garnishment revoked, etc (used the sample in the sticky). what do i do now? do i just wait? they aren't even acknowledging receipt or anything.

Then there are a few who keep insisting what i signed is legally binding and I still owe everything, to which I keep responding that I am willing to pay the principle and want an address to send the payments to. They don't send an address and just keep saying i owe the interest plus principle, etc. and we just keep going round and round. how long does this go on?

And lastly, I had one that never responded to anything and then out of the blue I get an email saying they sent me to a collection agency. So that one I guess I will wait out and then send c&d letter when they contact me?

Note that on all of these I still owe some principle, which is what I was trying to negotiate pay back with them. Thanks for any advice...

Just bumping this up to see if anyone can offer any guidance to my questions below?? Thanks!


so i still haven't heard back from several of the lenders. I've sent at least 3 emails pretty much saying the same thing - ach revoked, wage garnishment revoked, etc (used the sample in the sticky). what do i do now? do i just wait? they aren't even acknowledging receipt or anything.

Then there are a few who keep insisting what i signed is legally binding and I still owe everything, to which I keep responding that I am willing to pay the principle and want an address to send the payments to. They don't send an address and just keep saying i owe the interest plus principle, etc. and we just keep going round and round. how long does this go on?

And lastly, I had one that never responded to anything and then out of the blue I get an email saying they sent me to a collection agency. So that one I guess I will wait out and then send c&d letter when they contact me?

Note that on all of these I still owe some principle, which is what I was trying to negotiate pay back with them. Thanks for any advice...

Keep sending your letters. If they won't give you an address, then no money. It will be their loss. You have made several attempts to settle with them, and they just don't get it. Depending on how many times you want to send the letters, I would just forget about them.

i agree bingonut.make a reasonable attempt,but after so long move on.it's their loss.

I wouldn't worry about the ones that you get no response from......they are illegal lenders, they know it and once you stop the access to your bank account, they know their jig is up. You've made a reasonable attempt to settle, if they don't respond, it's their loss. Just make sure to watch your credit reports for any collections and then dispute them accordingly. There is only one illegal lender that I know (may be more but only one I have experience with) of that reports on your credit reports. You may get some harassing phone calls, but stay off the phone and send C&D's.

Thanks everyone for your replies. I will send them emails a few more times then let sleeping dogs lie I guess. I just have a hard time grasping that they aren't willing to take the remaining principle if nothing else, but at least I can feel better about myself that I tried if nothing else. On the plus side, it is so nice to be able to pay my bills when I get paid. This place is a God-send! And the regular posters are wonderful! Thanks again!

You are quite welcome. Hope everything works well for you.