I have paid so much fees...NO WHAT?

What state are you in?

OREGON

I locked the duplicate post you made in the Debt Settlement Forum.

http://www.debtconsolidationcare.com/settlement/about63956.html

Never mind, I re-read your post and see you are in Oregon, CLICK HERE to view your payday loan laws. Oregon requires Internet based pdl's to be licensed by your state. The lenders below are not licensed to lend to Oregon residents.

Loan Point
VC Funding Tran
LOAN SHOP-Paid the amount I borrowed
Nation Wide-Paid them $500 on a $300 loan
One Click Cash-Paid them $500 on a $300 loan
CASH TRANSFER CENTERS-Garnished

CLICK HERE to find out how to deal with illegal lenders.

I do have a question about Loan Shop, is that an Internet loan?

ALL OF THEM ARE...I was a faithful customer up until then. I even called these places up before hand asking to make some type of arrangement to avoid this mess. I know now to NEVER resort to these type of loans.

I don't think Loan Point is legal either. You really need to review the link I left you on how to deal with illegal lenders, it will give you step by step instructions on how to deal with these illegal lenders. CashNetUSA is legal, so you will need to make payment arrangements with them. The garnishment of your wages can be lifted, unless it was court ordered which I rather doubt. It was probably a wage assignment you signed when you obtained the loan, all you will need to do is send them an email revoking thier right to do a wage assignment on you, show it to your employer, then they MUST STOP taking money out of your wages to send to this lender, it is the law!

Click on the link below, it will describe how wage assignments work, you can print it out and show it to your employer, but first you need to send an email to this lender and revoke their rights for the wage assignment, print out the email and show it to your employer along with the article at the link below.
http://www.bankruptcylawnetwork.com/2007/09/21/payday-loan-wage-assignment-just-say-no/

It's funny that 2 different agencies are coming after me for the Cash Net debt. I even called Cash Net and they told me to play phone tag w/all the places it's been sold off to. My balance is $243 and Tri Financial wants $900 and PN Financial wants $1000. PN Financial sent me a generic letter demanding for payment by Feb 23rd. I don't think any right collector would leave me voice mails mentioning about court, law suits, blah. Both companies seem fishy to me. Plz note I have proof showing that I have been a customer to Cash Net since 2006! Can you imagine all that money they made off me.

The garnishment has been paid in full. I won't try to fight for the money back. I have too much going on. Right now I want to focus on the link you sent me and also what to do w/Cash Net and even my charge off BofA checking account. I can't even open a account anywhere anymore. Any suggestions on that?

I know what you're saying, unfortunately CashNetUSA operates legally and not as a pdl, but usually as a CSO (Credit Service Organization), which means they are not regulated and can charge any amount of interest they want. It seems unfair but until the Feds jump in and regulate them, people need to avoid them altogether. But that doesn't help you now so let's focus on that. Did you receive a dunning letter from either of these collection agencies? A dunning letter is a bill required by the FDCPA stating the amount you owe, and stating that you have 30 days to dispute the debt.

I have been hearing a lot of complaints about BOA lately from the members here, it seems they are not very helpful and charge excessive amounts of money for overdrawn accounts. The only suggestion I can give you is to look at the banking section of this forum, there are banks listed that do not use chexysystems and are easier to get accounts with. The only other thing you can do is file a complaint with the FTC about BOA and the way they mishandled your account, I would also write complaint letters to the Branch Manger of the BOA where you held your account.

Both companies have caught my attention by leaving me vmails stating that a civil case will be ordered against me. **Tri Financial has NEVER sent me any correspondence except a email confirming payment arrangement. Which didn't fall through because I so happened to lose my debit card. All of a sudden **PN Financial steps in and left vmails on my cell and work #. I actually got a very generic letter in the mail showing "FINAL NOTICE". Here's a insert from the letter, "Be advised that by Feb 23rd if you have not accepted our terms and conditions, we will have exhausted all voluntary methods of resolution. Our intentions are to seek whatever legal remedies are avail. Additionally you are cautioned that unless this balance is paid, our office will execute all interest, legal fees, and/or penalties allowable under the terms of the original contract in accordance with the state laws in which you reside."
Okay...I have seen collection letters from like Wells Fargo before and they normally have this break down that you have 30 days blah blah. This letter is dated 2/12/09 and a payment is demanded by2/23/09.
Yes these CSO's need to be regulated!!

I have had like others on this line alot of payday loans,I recently have been receiving calls from a thurston-berg and associates telling me that I had a loan from a partner of Ace Cash express called 1500xtra cash.com online ,now this was back when I lived in Texas at an address which was in 2003 this is 2009! I think that this is a collection agency wanting money back that the company couldn't handle,what should I do they keep calling me ,telling me that I have committed check fraud....he gave me his number,but I didn't call back...Also I am dealing with a company called PDM anyone heard of them? I paid one of the debts off with this lady that called me,and she gave me her personal number a cell phone to call her back,should I pay the rest of the companies off ?Arrowhead Investments,210.00 and NY another loan company which is 215.00 by moneygram should I pay or what should I tell Ms.Ross?