help

hello.i see you listed how much borrowed.can you recall how much was debited in illegal fees by each one?anything debited by each loan goes towards the loan.the letter is in the third sticky at the top of this forum.try to see if you can come up with the amounts.i'm guessing they debited already by the 900.00 negative balance.

Thank you for your response where does this topic go? I would have to look at bank statement - how do I let the pdls know about the debited amount or NSFs do they count
too? Dhould I pay Sonic payday the $217?

Some of he negative balance is with checks
Karen

What are the amounts you paid towards these loans so far?? Please list that information so we can further assist you.

I am also in the commonwealth of VA.

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No the checks are for grocery stores- not the lenders who debited my checking account. I'll have to look at bank statement tonight to see how much was debited from my account - did n't see the leter

to answer your question about SONIC.if you truly owe that amount pay it by money order only.about the NSF'S.some have counted them as the pdl's violated even there illegal contract with there debiting.it is up to you.

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They haven't debited anymore from my account and the bank closed it- I did find the letter. How do I let them know that I am finished with them - does the NSFs count towrds the amount owed

Here is a sample proposal letter:

Thanks - can I email this to the PDLs that I have emails to? I am working with Oak View Law Group - I really do not llike them and am thinking of going with Town & Country - not sure if I can do this on my own - would you be willing to work with me ?


[samebox:abac58e535="james"]

Hi inscoekaren,

I am James (Operations Manager) from Oak View Law Group.

Can you please let me know about the problems you faced in OVLG! We will definitely try to sort things out. This will also help us to serve you and other clients better in future.

Please mail me at [email="james@oakviewlaw.com"]james@oakviewlaw.com[/email]

Looking forward to your mail.

[/samebox:abac58e535]

actually.if you can find out ho much was truly debited by each.we can determine how much if anything you owe.sometimes places like OAKVIEW and T&C do serve a purpose,but sometimes you can do it yourself.

You seriously need to review your bank statements and add up the total amount finance charges from these PDL companies.

I do not think NSF fees from your bank counts towards these loans. Being they were not paid to the company directly. Try to speak to a branch manager at your bank and get some of those fees reversed if possible.

Rollovers and Exstension fees are Illegal in the state of VA. So any of those charges by the company counts towards the principal amount borrowed :wink:

the bank did zero my account- my church wrote a letter to the bank stating my financial difficulties. I have to open a new account with them for them to completely close the old account. I extended the loans several times and was going to pay them off but came throught some bad finances so they payoffs didn't go through - am in the collections with the loans - would the letter still help?

So you never made anypayment on these loans at all? Have they been in contacting you??

If that is the case send the letter proposing to pay the principal balance only.

Sonic is licensed in Idaho I think :? They will try to be tough with you.

Yes I have been making payments on these loans - I thought i would be able to pay them off but I couldn't seems like theoans went up instead of down them I extended the payments - I am thinking of going to a pdl consolidation firm - I don't think I could do this on my own. I see there is PDLAssistance and Progressive, I am not could at fighting with companies

If you seach for the different consolidation companies in the search box there are many threads about all of them.

I would suggest you read them and decide which one would be the best for you.

Please do your research before you decide. Best of Luck!

I have gone with Town & Country before and lliked them and I even got a refund back. I started with Oakview but don't like it that they set up a trust account and it has to be built up for them to start paying creditors - also PDLs say they don't work with 3rd parties. I am going to pay Sonic but with a money order - they wanted Western Union but can't afford it
will they accept money order?

They should accept a M.O. if they want their funds..LOL!

just ask to speak to a supervisor and explain you are unable to send a wire transfer.

My representative at Oakview tells me not to pay them - he aid he called and they don;'t work with 3rd parties - I am going to pay - because I am afraid I f I don't they will call my brother - I put him down as reference when I applied with SONIC about 4 years ago. Do you think they will call my brother?

It is a possiblity if you are in default they will contact references. I cannot say for sure if they will or not :?

I called Sonic Payday and tI don't pay them anything - they have received a power of Attorney from my representative at Oak View Law Group and they cannot call me or my references - that is a great relief - I had to fax them a permission slip to talk to my representative because of 3rd party I guess - I think I may have to do that with all of the PDLS that I have so my representative can talk to them.

Sonic hasn't called - they receivd power of attorney from Oak View Law Group and cannot contact me Payday services made an agreement with Oak View for #182.75 I owe $625 and noew they say they may go to collections - should I send them that letter? I am going over my bank statement this afternoon and let you know -about what - was withdrawn for these PDLs

cool.that will help determine how much you settle with each pdl.

I got a call from these pople last night - just left a phone number I googled it and its a collection agency - the chat on google says they ask for either you to call or to have your representative call - I emailed my representative at Oak View he said he would call. DO you know if this is a collection agency of payday loans? Should I send them a cease & disist Letter

I am going to send the pdls the proposal letter and cease letter should I include the Virginia State inofrmation in the proposal letter? I am going to go with Town & Country with my creditors.

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Do you know who Accounts Receivable Management and who they represent - they only called once and the message was their phone number

Can you pm me the Virginia Sta

What was the number?

I don't have i t with me its at home do you have the Virginia State information on PDL loans (the new one)

I have the notice.

You can find that here.

Do you know who Accounts Receivable Management phone-866-679-4046 represents? They called me the other night - no message just the phone number to call back

Depends, they sometimes collect for payday lending companies.

They are ARM located in Florida.

They collect for many PDLs. I have heard they are horrible.

If I were you I would not speak to them.