logo

Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

Integrity Advance LLC

Date: Mon, 10/13/2008 - 15:10

Submitted by jmagee8871
on Mon, 10/13/2008 - 15:10

Posts: 29 Credits: [Donate]

Total Replies: 8


After researching PDL guidelines for the state of Wyoming I sent out letters to my internet PDLs stating I do not owe more than the principal and all correspondance needs to be via US Postal Service or e-mail.

The problem I am having is Integrity Advance continues to send e-mails stating to call and talk to a customer service agent. Should I call or continue to only correspond through e-mail?

Has anyone dealt with them before? If so, are they reasonable? My loan was for $400.00 and I have paid $360.00 and offered to send the remaining $40.00 via money order if they would provide a physical address.


that's right.if an internet pdl is not licensed in your state you only owe the principle borrowed.nothing more.


lrhall41

Submitted by paulmergel on Mon, 12/15/2008 - 13:20

( Posts: 15514 | Credits: )


I got a $300 loan from Biggest-Cash, having to pay back $390. My 1st pay date, I didn't have the cash, so they took the $90. Long story short, I come to realize, that somehow, without my authorazation, Integrity/Advance, snuck another $300 into my account. These 2 companies are definately working together to really scam & mess you up. Now, I have 2 jerks taking $90 every week. I called, I thought, B-C, and told them to take what I owe on a certain date. The $ was available, but, instead, they took $90 again 2x's! This continued for almost 2 months. (personel reasons are what made me to let it continue for so long)Finally, I spoke to B-C, and agreed that they take $450. Instead they took $500. Then they call a week later & say I still owe them! Well, I gave them an earfull. Anyway, afew days later, they had the nerve to take another $90!! I never applied for a loan with Integrity/Advance. That's how I know that they are working together with Biggest-Cash.That & when I got the 1st payment of $300, it was from I/A. The one from B-C wasn't put in till a week later, but, B-C, are the ones who sent the contract & e-mail saying the funds are there on the date that I/A put it in! They are working together, but, they're not too good at it. Anyway, I finally closed my account& wrote to the BBB. What else can I do? Is there a way that I can recover all the x-tra $ they stole from me?Also, if pdl's are legal in NV, but, they gave me a loan in NJ, where it's illegal. Is it legal or illegal?How do you find out what states that they're licenced in?


lrhall41

Submitted by on Wed, 03/25/2009 - 22:56

( Posts: | Credits: )


If you reside in NJ then the loans were illegal.

It is good that your account is closed. They are some of the worst payday lenders out there. They are slimy.

The one thing you can try is to send them a letter that informs them they are illegal, even though they already know that, and that you are done paying them and you demand a refund.

You can read more info here about dealing with illegal lenders.

The template letter you can use is here. Scroll down to the 13th post to find it. You can change it to reflect your information and state laws. Just add in there your overpayment and your demand for a refund.

You may only get a PIF but that at least clears you from them coming back latter and saying you owe.


lrhall41

Submitted by nohiogal on Thu, 03/26/2009 - 04:10

( Posts: 2582 | Credits: )