Update on my iPDL's... and advice needed
Date: Fri, 03/27/2009 - 07:48
So, I have a post (http://www.debtconsolidationcare.com/paydayloan/ssm-sgq-vip.html) already going, but wanted to start a new one with an update on my iPDL's.
ACH Loan I paid them off before I closed my acct... didn't want to deal with them cause I heard they were difficult
SSM Marketing overpaid, got a PIF
SGQ overpaid, they sent me to a CA called PDM, LLC, sent DV and C&D letter, haven't heard from them since... not on my credit report yet
Ameriloan got a phone call, told them I couldn't talk, emailed them that all comm. must be in writing and willing to work out a payment arrangement. No response (been 2 weeks)
First Bank of Deleare making payments $200/mo - paying more than what they are asking so I can get them over with
City View Cash haven't heard from them after I sent my letter
VIP Loan Shop got 2 phone calls yesterday, sent another email, haven't heard since
Sonic Cash claimed they were legal, provided Idaho lic. #, called MN Dept of Commerce and said that the new law was overruled in November; made payment arrangements, BUT talked to my consumer atty and he said that he doesn't think they are legal and to hold off on the arrangements.
Payday 1 worked out a payment arrangement of $106.48 two times a month for 3 months
Cash Transfer Centers I emailed them after they called me a million times and wrote the advice that this forum and the consumer atty gave me. Got a response this morning that they ceased all telephone communication and willing to let me make 5 payments of 300 totaling 1500 of what I borrow due by/before June 30, 2009. I would either MoneyGram it or Western Union. Then they have a line in there that says "Alternatively, you may send your payment to the Northway Financial Corporation Ltd. address listed above." Yeah, that address is in Malta... don't know if Malta can cash a money order and I am too scared to Money Gram cause I got screwed on that once already.
The thing with CTC, I threatened them with reporting them, didn't actually do it by advice from the atty. I was expecting them to be really bad, maybe I am lucky. I did state that I verified with my company (U.S. Bank, yes I work for the big bank) that we do not honor wage assignments and attached my HR reps quote. So I think that is why they are so quick with this arrangement. ALSO... they attached the contract on thier email to me and guess what!!!??? They left out the 2 pages about the wage assignment!
My advice for new people coming on here is listen to what the people say here... its not that bad, I really thought I was going to die in the end of February. But really... what can these losers do... NOTHING. I had reloaned a few times with all of mine and I really wish I would have known this site before doing it because I still owe on the principles of my new loans... but hey- I borrowed, I will pay.
My next question is, with the legal lenders, FBD and Payday1, would it be safe to give them my debit card for payments over the phone?
ACH Loan I paid them off before I closed my acct... didn't want to deal with them cause I heard they were difficult
SSM Marketing overpaid, got a PIF
SGQ overpaid, they sent me to a CA called PDM, LLC, sent DV and C&D letter, haven't heard from them since... not on my credit report yet
Ameriloan got a phone call, told them I couldn't talk, emailed them that all comm. must be in writing and willing to work out a payment arrangement. No response (been 2 weeks)
First Bank of Deleare making payments $200/mo - paying more than what they are asking so I can get them over with
City View Cash haven't heard from them after I sent my letter
VIP Loan Shop got 2 phone calls yesterday, sent another email, haven't heard since
Sonic Cash claimed they were legal, provided Idaho lic. #, called MN Dept of Commerce and said that the new law was overruled in November; made payment arrangements, BUT talked to my consumer atty and he said that he doesn't think they are legal and to hold off on the arrangements.
Payday 1 worked out a payment arrangement of $106.48 two times a month for 3 months
Cash Transfer Centers I emailed them after they called me a million times and wrote the advice that this forum and the consumer atty gave me. Got a response this morning that they ceased all telephone communication and willing to let me make 5 payments of 300 totaling 1500 of what I borrow due by/before June 30, 2009. I would either MoneyGram it or Western Union. Then they have a line in there that says "Alternatively, you may send your payment to the Northway Financial Corporation Ltd. address listed above." Yeah, that address is in Malta... don't know if Malta can cash a money order and I am too scared to Money Gram cause I got screwed on that once already.
The thing with CTC, I threatened them with reporting them, didn't actually do it by advice from the atty. I was expecting them to be really bad, maybe I am lucky. I did state that I verified with my company (U.S. Bank, yes I work for the big bank) that we do not honor wage assignments and attached my HR reps quote. So I think that is why they are so quick with this arrangement. ALSO... they attached the contract on thier email to me and guess what!!!??? They left out the 2 pages about the wage assignment!
My advice for new people coming on here is listen to what the people say here... its not that bad, I really thought I was going to die in the end of February. But really... what can these losers do... NOTHING. I had reloaned a few times with all of mine and I really wish I would have known this site before doing it because I still owe on the principles of my new loans... but hey- I borrowed, I will pay.
My next question is, with the legal lenders, FBD and Payday1, would it be safe to give them my debit card for payments over the phone?
Do not "open the door" to your bank account to anyone. If they
Do not "open the door" to your bank account to anyone. If they will work out arrangements, then pay them with a MO or cashiers check. Since you wotk at US Bank, just get one of the disposable VISA cards that every branch has by the tellers and use it.
I agree, do not give them your account information. And do no
I agree, do not give them your account information.
And do not worry about CTC. They are scum and they are in Malta and will threaten and harrass with all kids of crap but they can not do a thing.
I am so glad things are working fairly smoothly so far.
CTC has a collection center call E Care Contact Center that take
CTC has a collection center call E Care Contact Center that takes moneygram payments. You can use that way to pay them off. I sent them my payment that way and it went smoothly.
