Online Payday Loan Help
Date: Mon, 01/19/2009 - 10:01
I have worked with 4 places already to work out agreements. Those places are:
1. Cardinal Management
Loan Amt: $325
Pd: $75
Setteled to make two payments for $125 each to clear the account.
2. 500Fast Cash
Loan Amount $400
Paid: $945
Settled to pay $244 to clear the account.
3. ACC-American Consumer Credit AKA The Cash Spot
Loan amount $320
Already Paid $440
Settled to pay $200 to clear the account.
4. Integrity Advance
Loan Amount $400
Already paid $805
Signed an agreement that I will never request another loan and will not take them to court and the balance was cleared.
Actions taken so far:
I have contacted the State of Iowa Attourney General and he did explain that the loans were illegal in the state of Iowa no matter the verbiage in the contract.
I also blocked all ACH debits from my account thus far and will work on getting the account closed.
Here are the remainder of the accounts:
1. Payday Max
I recieved an email that I needed to contact them and when I called they asked me to hold while they check my account and then pay a message to call or fax 1-403-770-8760 or to write to: Suite 20115225 Thrift Ave, White Rock, BC, Canada V4B2K9. I called the number and it went nowhere. I have yet to try and fax something. I have called the number of 1-866-645-1661 that was originally given to contact them twice and recieved the same response. I will be faxing the documents I originally sent today.
2. OneClick Cash
Amount of Loan $450
Paid: $0 Have taken out at least 5 loans previously and have paid at least $2000 in interest.
I have yet to hear from the company.
3. Midland Financial
Amount of loan $325
Already Paid $150
I have not heard from the company.
4. SDS Processing
Amount of loan $325
Already Paid $150
I have not heard from the company.
So my main question is: Should I contact the companies I have not heard from to be sure they have my accounts closed?
On some of te loans you made payments to pay , they OWE you a re
On some of te loans you made payments to pay , they OWE you a refund. If they are illegal lenders and I believe they are do not pay them another dime. You have way overpaid 500fast cash, integrity and acc. You do nit owe them they owe you.
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just saw this and guest is right.the three they stated owe you ar refund.do not pay them another dime.the others look okay as far as arrangements go,but get them to accept money orders.
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I have received 2 emails from Payday Max and they provide me a number to call. When I call that number they tell me they are going to check my account and then I hear a recording of another number to contact and an address is British Columbia, Canada to contact. I call that number and it goes to Voicemail and I have left a voicemail. I then received a 3rd email stating they have tried to contact me by phone and email and that my account will be soon turned over to an outside agency. Any suggestions?
Reply to Question
I borrowed $610.00 in December. The last print I obtained from the website shows that I owed $827.85. I have made one payment of $167.94. The email I recently received stated that I owed them $927.07. I have loaned 5 times previously with Payday Max:
1st loan $500 pd $93.10 interest
2nd loan $500 pd $385.70 interest
3rd loan $500 pd $301.91 interest
4th loan $500 pd $502.36 interest
5th loan $500 pd 362.43 interest
I am willing to set up a payment plan to clear this last loan, but I can not reach anyone to speak with them to get this completed.
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if those numbers are right you owe them 442.00.you could try to get them to take into account the other loans.the fact that they are based in CANADA means you owe the principle borrowed.again you could try to get a PIF,but these places are a pain.at worst you owe 442.00 don't let them tell you different.
Paul, Double check your figures. I read this as the 1st 4 lo
Paul,
Double check your figures. I read this as the 1st 4 loans have been paid and then reloaned, so there is only one loan outstanding. If this is the case, the poster only owes approximately $138.00
Actually, when I reread it, I had forgotten about the loan in th
Actually, when I reread it, I had forgotten about the loan in the paragraph. I think that the 5 listed are prior history...
Yes at this point there is only one loan outstanding. I just wa
Yes at this point there is only one loan outstanding. I just want to get it taken care of because they said they are going to send me to an our collections group, but they have not even tried to contact me by phone. Only by email and when I call the number in the email it refers me to another number in Canada and I have called and left two messages now. If I can get this one cleared up then all the others are taken care of and I will never loan again!
Thank you
I would like to thank everyone for your assistance on clearing up the Online Payday Loans. I have worked with each lender and closed each account. I thought I was going to be buried in PDL's forever. I am so glad there is this wonderful site that was able to point me in the direction I needed to get out from under the loans. I see brighter days ahead and will never fall victim to PDL's again!
How do I block these people from taking money from my account?
How do I block these people from taking money from my account?
Quote:Originally Posted by AnonymousHow do I block these people
Quote:
Originally Posted by Anonymous How do I block these people from taking money from my account? |
The best way is to close the account. You can try to send ACH revocations - but I think most people on here will tell you the same thing ... close the account to protect yourself.