logo

Debtconsolidationcare.com - the USA consumer forum

Need PDL Help in CA..... PLEASE!!!

Date: Tue, 03/24/2009 - 08:34

Submitted by crowe533
on Tue, 03/24/2009 - 08:34

Posts: 24 Credits: [Donate]

Total Replies: 60


Hi..... I currently have the following loans:

ACC / The Cash Spot
Borrowed 300, paid 535, they say I still owe 187.50

Clearwater Bay Marketing / Namakan Capital
Borrowed 300, paid back 810, they say I still owe 390

Eastside Lenders
Borrowed 300, paid 735, they say I still owe 195

National Cash Lenders
Borrowed 300, paid 655, they say I still owe 105

PayDay Max
Borrowed 1000, paid 452, they say I still owe 1186

Cash Transfer Centers
Borrowed 1200, paid 0, owe 1524

Cash Central AND CashNet USA AND Ace Cash Express
Borrowed 255, owe 300

United Cash Loans
Borrowed 300, paid 90, they say I owe 390

3B Payday
Borrowed 300, paid 180, still owe 390

Payday Loan Yes
Borrowed 350, paid 210, still owe 455

I can not afford this anymore. I feel so dumb for getting in this trap, but I need out! All of my payments defaulted last night, so I am expecting this to all blow up soon. I need help on where to start to take care of this. Is is possible to do this all on my own? I thought of hiring a company to help me but they were going to charge me almost 2000 for their assistance and I would rather put that money towards paying off these debts in a faster time. Please help me!


are NEVER something you should use. the lenders aren't even located in the US, and so they don't have to abide by our laws. they just deduct the finance charge on every due date unless you set up a payment. good job w/ the refund....that would never happen with most companies.


lrhall41

Submitted by on Wed, 04/08/2009 - 07:28

( Posts: | Credits: )


I got an email from icollect saying that my account with Namakan Capital had been sold to icollect for collection. I originally borrowed $300. I have paid back $810. They are saying that I owe $480 still. What do you think my next step should be? I can't find any good info (fax, email, address) for Namakan Capital. I know they are obviously illegal..... Does anyone have any suggestions?


lrhall41

Submitted by crowe533 on Wed, 04/08/2009 - 14:06

( Posts: 24 | Credits: )


I got this response from BBB regarding my complaint about United Cash Loans:

We recognize this complaint as a response to a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter.

I can't believe these payday loan places devote so much time and energy to collecting these little bits of money. Correct me if I am wrong... but there is really nothing they can do to me, right? They can't get my wages, they can't get any money out of my bank account, if they do put the item on my credit report I could easily dispute it and have it removed since it was illegal in the first place. I guess they could call and harass me but that's just a waste of their money since I will never pay them any more money, EVER!!!!!!!!!!!

I did not accept their response through the BBB, I sent in a "rebuttal" I'll see what they have to say.


lrhall41

Submitted by crowe533 on Fri, 04/17/2009 - 09:34

( Posts: 24 | Credits: )


I recently got an unotherized loan from a Namakan Capital. Do you have any information from them? I want to return it before they start messing with my checks. Thanks


lrhall41

Submitted by on Wed, 12/09/2009 - 08:15

( Posts: | Credits: )


Quote:

Originally Posted by Anonymous
Clearwater is illegal in almost evry state. Look them up. They go by namikan capital (sp) and sandpoint capital.
these things should be totally illegal.

I agree, and this is why it is so important that everyone file complaints against them with the FTC, AG and the BBB.


lrhall41

Submitted by Shazzers on Wed, 12/23/2009 - 07:03

( Posts: 17344 | Credits: )


Can someone please send me the e-mail address or physcial address to Namakan Capital/Clearwater Bay Marketing so that I may send my letter. I have paid them right at $200 the amount I borrowed if not a little more and found this website while trying to look for a way to pay them even more money, like an idiot. Glad I found out they were illegal and cant charge those fees. I probably won't return to these forms but my e-mail address is and in the subject if you could put Address so I don't mark it as spam I'd appreciate it.
It is against the TOS to post your email address.


lrhall41

Submitted by on Sat, 07/03/2010 - 11:58

( Posts: | Credits: )


[QUOTE=Anonymous;719160]Can someone please send me the e-mail address or physcial address to Namakan Capital/Clearwater Bay Marketing so that I may send my letter. I have paid them right at $200 the amount I borrowed if not a little more and found this website while trying to look for a way to pay them even more money, like an idiot. Glad I found out they were illegal and cant charge those fees. I probably won't return to these forms but my e-mail address is [email]HAlderman1983@aol.com[/email] and in the subject if you could put Address so I don't mark it as spam I'd appreciate it.[/QUOTE]


I do not know the address but if you have paid them the amount you borrowed and it is not a lot of trouble, CLOSE YOUR ACCOUNT at the bank and open a new one.


lrhall41

Submitted by on Tue, 07/06/2010 - 14:59

( Posts: | Credits: )