logo

Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

Loan Shop Online - LTS Management

Date: Tue, 03/24/2009 - 10:23

Submitted by anonymous
on Tue, 03/24/2009 - 10:23

Posts: 202330 Credits: [Donate]

Total Replies: 36


I paid $490 back on a $500 loan with the Loan Shop Online. They subsequently were harassing me for $160, which would be the $10 to satisfy the balance, in addition to $150 in fees. I was a long-time customer (so I probably overpaid in fees during the lifetime of my loans), and this was the first defaulted loan I had with them.

In any event, about two weeks ago, I sent them an e-mail attaching a letter stating that I would gladly pay $10 to satisfy the principal, but wouldn't pay the $150 in fees, per the advice of the PA Department of Banking and the PA Attorney General's Office, as the Loan Shop operates illegally in PA.

I never heard anything, so I faxed the same e-mail to the same individual. I believe he was a supervisor. I followed that with forwarding the same e-mail to another supervisor -- still no response. I advised them to either contact me via e-mail or postal mail. In my opinion, they are too harrassing over the phone.

I am stuck, though. I want a paid in full letter, but they won't acknowledge me. I don't want this loan hanging over my head anymore.

Any advise will be appreciated.


Does anyone know Loan Shop Online's physical address??? They conned me into paying them out of my checking account.?? I need their address to report them to the FTC.?? I am behind on paying them, but he told me that I could pay no other way than by using my checking account.?? I WAS STUPID to listen to him.?? His name is Mr. Lister.?? Anyhow, I need their address for the FTC.?? he also told me that he did not have provide me with my loan documents.?? I am so mad at myself for listening to him.?? I am scheduled to have two more payments taken out of my checking account.?? Any suggestions on what I shoul do???


lrhall41

Submitted by Bayley5 on Tue, 03/31/2009 - 10:31

( Posts: 240 | Credits: )


I live in PA.?? For some reason, my other reply didn't show up.?? If it shows up twice, I apologize.?? I also have a pdl with two other companies that I borrowed $200 each.?? So far, I have paid $356 to each company.?? Is there any way I can stop paying fees.?? They keep deducting out of my checking account as well.?? I can't afford to pay both of them off right now.?? If I quit paying them, they will contact my employer, so they tell me.??


lrhall41

Submitted by Bayley5 on Tue, 03/31/2009 - 12:41

( Posts: 240 | Credits: )


So basically, the two pdl's owe ME around $155 each.?? I can't seem to locate the correct letter to send to them.?? I am afraid they are going to call my boss. They had me sign??the documents stating that they can call my place of employment.?? But being I was desperate, I didn't care at that time.?? Can I tell them also in writing not to call my place of employment???
Regarding Loan Shop Online, after I sent him a message yesterday about filing a complaint, he called and left me a message telling me that they will work with me.?? It's amazing how their tone changes, but he was still being a jerk.??
??


lrhall41

Submitted by on Wed, 04/01/2009 - 05:22

( Posts: | Credits: )


I just want to know why you dumb people take out these pay day loans online, too may to afford that is and not expect the company to charge fees and late fees. How are they any different from any other company that loans you money? Be responsible, pay your bills and don't borrow more money than you can pay back. it is as simple as that! AND FYI, those payday loan companies operate out the state they have their business in and according to that states law, they can loan to whatever state. just because you cant find them or their address does NOT make them illegal or give you the right to not pay them back. If they were illegal, why would they deposit money in your account? A business does not do that for FREE. Have you people ever heard of a PAYMENT PLAN? They will work with you. I just wise you people would quit trying to turn in valid loan companies for stupid crap when your the one with the problem and you can't pay back your loans. GROW UP PEOPLE!!!


lrhall41

Submitted by on Wed, 04/15/2009 - 20:02

( Posts: | Credits: )


surfer, we are not on her to be told what we are doing wrong. We know what we did wrong. And yes, some of these places are illegal. They prey on people that are desperate. So, please, don't try to make us feel bad or tell us we did wrong. And PS, we are not "dumb" people. We are all trying to survive.


lrhall41

Submitted by on Thu, 04/16/2009 - 05:07

( Posts: | Credits: )


spicoli.i mean surfer needs to grow up.all internet pdl's need to be shut down.how's that for grown up.they are in business to ruin people.you can never get in touch to pay off.resulting in endless rollovers.also not being licensed means they won't offer a payment plan because they don't have to.these are nothing more than cyber loan sharks.nothing more.buh-bye spicoli.


lrhall41

Submitted by paulmergel on Thu, 04/16/2009 - 06:42

( Posts: 15514 | Credits: )


To Baley5 may I also suggest you send your Payroll Department a short note stating that you revoke any and all wage assignments they may receive on your behalf. You can voluntarily revoke a wage assignment and also send the same revocation to your lenders.

Surfer if you think the people here are dumb try listening to yourself and then read the laws governing Consumer Protection regarding payday loans and when you are finished with that you might want to visit the various state data bases regarding unlicensed payday loan companies.


lrhall41

Submitted by kfstaff24 on Thu, 04/16/2009 - 06:50

( Posts: 1448 | Credits: )


I too have a payday loan out with Kingston Financial and I was laid off and couldn't afford to keep paying the fee to extend my loan. now their harrassing me constantly everyday. I want to pay them off so bad but right now I owe two other loans which makes it impossible to do. my bank advised me to close my account cause there was too much activity going on with the other one so I have another account that they don't know about. when you said Kingston was illegal what exactly does that mean? please anyone help


lrhall41

Submitted by on Fri, 04/17/2009 - 06:30

( Posts: | Credits: )


Why dont you morans go to a bank and get a loan. Oh, that's right...you can't so you have to go to pdls...and then you try to bite the hand that has been feeding you. But, what you fail to relize is that once you burn your pdl bridge then where you gonna go? You had no where to go anyway did you?[samebox:f85441f55e="paulmergel"]what's a moran?your examples also stink.internet pdl's are no better than loan sharks.only more criminal.spoken like a true pdl humanoid.[/samebox:f85441f55e]


lrhall41

Submitted by on Sat, 04/25/2009 - 20:40

( Posts: | Credits: )


How do you jnow if you overpaid the payday loan company?


lrhall41

Submitted by on Tue, 06/02/2009 - 23:21

( Posts: | Credits: )


Live in San deigo...The ff are the PDL:

Loan Shop Online-(300) internet, pd fees of 1260 owes 250
One click Cash(300)internet, pd fees of 369 owes 300
Payment direct(200) internet- pd fees of 267 owes 200
PDL Loan(300)internet- pd fee of 180 owes 300
Integrity Advance(500)internet- pd fees of 450 owes 500
Zip 19(600)internet- pays 719.88 every 2 weeks

Any help would be appreciated....Do I need to call a debt consilidation company like Oak view Law Office or langhorne to deal with them or just do it myself? Where do I start? I want to pay what i owe but this fees are get ridiculous!! What are my rights?


lrhall41

Submitted by on Wed, 06/03/2009 - 10:51

( Posts: | Credits: )