"Deny new" - could this mean a PIF?

don't know about a PIF,but it does mean that they will not lend you again.i know you are devastated by that.it could be that they are close to either giving in with a PIF,or writing your loan off.either way it's not bad for you.

They have been very difficult to talk to. Their customer service almost hung up on me. I filed a complaint with BBB and FTC and I hope something good will happen cause I cannot close my bank account right now and 12th dec is my due date.
I also tried to find their ACH processor but I couldn't.
Anybody ever heard of Instant Cash USA? They used to be quickest-cash-advance but at some point they changed names.
I don't know what to do bcoz I really don't want them to go into my bank account. And Bank of America wasn't too helpful: they say I need to know the exact amount of money and the name so they can put a stop payment to the ACH debit. But if these illegal PDLs change names what's the point of all that?

Could you put your account on deposit only?

I have 2 other PDLs which debit my account. They are legal so I don't want to default on them. I already opened another bank account and I was trying to slowly transfer the direct deposit of my check and other legal ACH debits to this new account.
Untill that happens...I don't know. I guess I'll have to wait for the 12th and see whats going on.
But I would really like to discover who is their ACH processor. That woould help me a lot
Thanks for your replies! I appreciate any input!

wildk, you can give the legal companies a new bank account number and keep the other ones on hard block. i would not trust them to not take money from you. an ach block will not work because they will than submit live checks or go in under a different name.

Yesterday I noticed that my account went from "collection" to "deny new".
And my minimum payment was set for 90$! Today it's 0 but my balance is still 300. What could this mean?
This is what I see on their website!

"You owe a current balance of $300.00

Your minimum required payment is $ 0, which will be deducted on

Our records indicate your paydate after the next one is Tuesday, December 14, 1999, is this correct?

Yes, my Next Pay Date after Next is Tuesday, December 14, 1999

No, my Next Pay Date is not Tuesday, December 14, 1999

Please choose a payment option* from below for your payment on 12/12/2008:

Pay Minimum (Finance Charge): $0 "

to me, that means they still want the money? because you still have a balance? I really do not know.. :(

My two accounts went from Deny New right after I defaulted to Bureau. I am guessing they mean credit bureau.

I didn't default. I talked to Instant Cash USA long before my due date.
Right now the status of my account is "deny new", the balance is 300$ and the minimum payment due is 0.
It sounds funny doesn't it?

While my account status still says "deny new" when I try to see the payment options this is what I get :

"You are too late to setup payment arrangements.
To pay off, pay down, or change your current arrangement please email ..... immediately what you????????d like to pay. Please keep in mind that if your payment is due tomorrow it may be too late to make any changes. We do require 3 business days notice."

I did send right away the CD letter but I hope and pray they won't go into my account tomorrow.
What do you guys think?

That sounds TOO confusing to even TRY to 'decifier' it. How crazy!! They say you have a balance, but, they say the next payment is $0? Gosh........maybe THEY don't even know what they are writing. :roll:

How weird. How would try to set up payment arrangements? Do you have your bank account closed or at least hard debit?

I know it sounds crazy. And I was also crazy enough not to close my bank account yet. The good new is that they didn't take anything from my account today !!!!!
So for now I can say yay!!!! But I know I gotta hurry up and close that account coz I can't push my luck too much.
It is strange though that they yelled at me, they threatened with collection agency and so far nothing happened. Maybe my BBB complaint did some wonders!

if you don't want to close your account, at least put a hard block (debit only) on it, they will go into it looking for money and an ach block will not help, as they go under different names and amounts.