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Don't know what to do

Date: Mon, 04/01/2013 - 09:43

Submitted by sukekag
on Mon, 04/01/2013 - 09:43

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Total Replies: 4


So something came up and I needed the cash, budgeted everything out and had a plan to pay down my online payday loans. Then I lost my job. Now it's a game of catchup that I can't possibly win as it stands right now. Family is sick of helping me out and I can't have my bank account go negative again or the overdraft fees will eat me alive. Decided I should probably close my bank account ahead of the next round of PDL pulls.

I need some advice.. such as am I obligated to pay these companies and/or what is my best course of action.

Here's my current PDL's

CastlePayday.com owe $405.00 payed $0


OneClickCash division of SFS, Inc original loan was for $150.00 I currently owe $130.00 and have payed paid $140.00

USFastCash tribal lending entity wholly owned by the Miami Tribe of Oklahoma loan was for $150.00 I currently owe $195.00 and have paid $45.00

MoneyKey original loan was for $150.00 I currently owe (I believe) $195.00 and have paid $0

I live in the state of Indiana.


Your branch manager is an idiot..go back and get a district manager on the phone. Read and copy the information on this thread....http://www.debtconsolidationcare.com/paydayloan/federalregulationsconcerning-achrevocation.html

Reg E is part of the FDIC...she has to honor your ACH revocation BY LAW!!!


lrhall41

Submitted by SOAPLADY on Wed, 04/03/2013 - 11:49

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Ok here's an update:

Met with my banks branch manager.. went round and round with her, she didn't seem familiar with anything I was going through or wanted done.. whenever I brought up revoking ACH she said that I willingly gave these people my account number so it wouldn't help, but I was able to get her to reverse a few overdraft fees, bring my account out of negative, close it and open a new one that was in no way connected to the old one.

I thought the easiest ones to deal with would be Oneclickcash and USfastcash so I sent them the appropriate emails using Ohiogirls template. Success! They have not replied back to me but upon logging in it says my balance and next payment are $0.00.

2 down 2 to go. I'm about to send emails to moneykey and castlepayday. Moneykey worries me the most as their website SEEMS pretty legit and they don't overtly claim tribal sovereignty.

I just had a successful job interview yesterday and start next Tuesday so, even if I have to pay moneykey in a timely fashion it won't be too bad.

Thank you guys so much, I've learned alot browsing the forums here and now have a much better outlook about getting my financial house in order. Will update as the situation evolves. Thanks again!


lrhall41

Submitted by sukekag on Wed, 04/03/2013 - 11:41

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Follow the link in my signature line for information on how to deal with these illegal lender. You owe principal, no fees and no interest. Pay them back on YOUR schedule...not theirs.


CastlePayday.com owe $405.00 payed $0
ILLEGAL TRIBAL LOAN


OneClickCash division of SFS, Inc original loan was for $150.00 I currently owe $130.00 and have payed paid $140.00
ILLEGAL TRIBAL...YOU OWE $10

USFastCash tribal lending entity wholly owned by the Miami Tribe of Oklahoma loan was for $150.00 I currently owe $195.00 and have paid $45.00 YOU OWE $5...ILLEGAL TRIBAL LOAN.,

MoneyKey original loan was for $150.00 I currently owe (I believe) $195.00 and have paid $0 DE BASED...MORE THAN LIKELY ILLEGAL.


lrhall41

Submitted by SOAPLADY on Mon, 04/01/2013 - 12:35

( Posts: 17315 | Credits: )