Payday-loan-yes is impossible!

There behavior is typical of an illegal/unlicensed pdl. If they agree to the principal amount only you may want to consider paying your account with a prepaid Visa Card. This way they can only get whats loaded on the card and it is fast and easy.

**FYI** PDLs are ILLEGAL in NC.

They have been harassing me by email and by phone at work even after the C&D letter. This is the latest exchange after I asked for the 8th time for a copy of my contract(which was not printable when signed and has since NEVER been supplied to me) and a physical address for payment.

Payday Loan Yes wrote:
What your asking is with in your rights. Its's also our right to charge a
reprint fee of $35 for a copy of your contract. If you would like to discuss
this matter with a supervisor call 800 644 7444 ext 823 Stuart Davis. I'm
sure he will be happy to assist you. You should have been concerned at first
if we were a legit company in which we are before you got the money, and not
after. You received this loan on 12-03-09. Your first payment was due on
12-31-08. You went to your bank after you received the $350, and closed your
account. That is theft by deception. I gave you Western Union information
for payment. WE DO NOT ACCEPT MAIL IN PAYMENTS. It's the 20th century
everthing done electonically now a days you should catch up. But it was ok
for us to electronically give you this loan. That you have never made a
payment on.

I responded:
I will no longer deal with this issue. I do not appreciate your sarcastic remarks. IF you were a legitimate company you would of provided me with a copy of my contract from day one. I will not give you access to any of my personal accounts and I will not pay to have a "copy" of something that I never recieved. This is NOT theft by deception. I am offering to pay what I have borrowed. I have made my final offer and all communication must be in writing, as this is in my best interest. As of today, I am turning in all information to the attorney general. I will not make any payment on this account until I recieve a copy of my contract WHICH WAS NEVER GIVEN TO ME!

The NC Attorney General will be in contact with you and your boss Mr. Stuart Davis. Your lending tactics are shady and abusive and your customer service is even worse!

They responded by calling me at work again! I promptly hung up on her. She quickly responded with an email saying that she would try again tomorrow and another email stating:

Blah Blah Blah. Your account has been marked a refusal to pay. This will
soon go to a collection agency anyway. You taking this loan out, and
receieved the moneis deposited into your account then closing the bank
account SURE is theft by deception. You have a good one. When you feel like
being responsible call the office another rep will work with you.

Thank You,

Jodi Phoenix
Advanced Collections

800 654 7444 ext 847

So, I have sent information to the Attorney General's office. How do I handle the constant harassment? Any suggestions? They refuse to comply with even the simplest of requests. They also refuse to give me even the first copy of my contract-why? The typos in her email's are funny...guess that's the caliber of employee that I am dealing with!

They won't give you a copy because then you can prove the loan is illegal.

Dont waste your time with these people give them the dial tone each and everytime they call. Report them to the FTC and the BBB as well.

Agreed they are relentless.

Has anyone had a favorable outcome dealing with this company? They also refuse to give me an address to send payment and will only accept a bank account, credit card or Western Union Quick collect...ridiculous!

You can do a prepaid Visa and they will accept that. They don't know it is not a creidt card. It looks and acts the same but they can only get out of it was is on the card.

A pre-paid card is a good idea...had not occurred to me. They have agreed to the principle payment but still insist on a $35.00 fee to send me the contract?!?! Also, they said that they would "freeze" the remaining balance on my account. Should I insist on a paid in full letter and the contract before I send a payment? I have already sent a complaint to the Attorney General and will send complaints to the FTC and BBB today.

Sorry, forgot to login the previous post is from me. I do not think that I should send anything without an agreement to mark this account paid in full after the principle payment. I should also have this in writing, right? Do I insist on the contract? I would like to have it to supply to the Attorney General. Thanks.

I would leave the contact issue alone but I would get something in writing that claims you are paying an X amount of dollars and on receipt of that payment the account is considered PIF.

First, thank you to ALL of your for your help! What a great community!

First, I want to get this straight...

I am in Missouri. I currently have a PDL with Payday Loan Yes which, I understand from reading this board, is an illegal company. I have overpaid them by hundreds of dollars and need to get out of this endless cycle.

First, I need to contact my bank and either put a hard block or close my account.

Second, I need to send a letter, via email will do but also via regular mail, that orders them to cease and desist the automatic debits. The letter should also include info to revoke my wage assignment and I also need to ask for a refund since I'm overpaid by hundreds of dollars.

Is this correct? Is there anything I should do that I haven't included above?

Thanks, again, for all the help. I feel relief already although I realize that is premature when dealing with this company.

You got it! Good Luck and keep us updated :D

I would like to know which pdls are license. I have five that I am trying to pay off but with no avail. Can someone help me please

We need the state you live and the names of the PDLs

Also it would be a good idea to start a new thread with your information as it will get more attention.