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Date: Tue, 04/21/2009 - 06:00

Submitted by inscoe.karen
on Tue, 04/21/2009 - 06:00

Posts: 16 Credits: [Donate]

Total Replies: 36


live in Virginia and have 6 pdls out -
Sonic Payday - $217.97. for nonpayment of last loan
Payday Services - $650.
Cashadvancenetwork - $500.
Paycheck Today - $420
Cash Today - $420.
do I have to pay them back -They have tried debiting my checking account twice and each time they were returned because of insufficient funds and I had over 900 in NSF How do I go about telling them I don't have to pay because I know they are illegal in the Commonwealth of VIrginia but the pdls are in different states I have also applied for debt consolidation help with the Oak View Law Group. Please let me know what to tell them when they start calling me on Monday and they do call me at work.

Also what is the letter everyone is talking about to the PDLs to get loans PIFs?

Karen


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.


lrhall41

Submitted by paulmergel on Tue, 04/21/2009 - 06:16

( Posts: 15514 | Credits: )


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.


lrhall41

Submitted by paulmergel on Tue, 04/21/2009 - 06:29

( Posts: 15514 | Credits: )


Quote:

do I have to pay them back -They have tried debiting my checking account twice and each time they were returned because of insufficient funds and I had over 900 in NSF How do I go about telling them I don't have to pay because I know they are illegal in the Commonwealth of VIrginia but the pdls are in different states


You are morally obligated to pay back what you borrowed form these lenders even though they are Illegal in your state. That is why we asked how much have they taken from you so far. If they have taken more than the principal loan borrowed then you are finished with them.

Try to have the bank put your account on deposit status only or freeze it untill you can get the negative alance cleared up. Hopefully this will stop the NSF fees from piling up :?


lrhall41

Submitted by Cool_Abyss on Tue, 04/21/2009 - 06:42

( Posts: 2936 | Credits: )


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]


lrhall41

Submitted by inscoe.karen on Tue, 04/21/2009 - 06:49

( Posts: 16 | Credits: )


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.


lrhall41

Submitted by paulmergel on Tue, 04/21/2009 - 06:54

( Posts: 15514 | Credits: )


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:


lrhall41

Submitted by Cool_Abyss on Tue, 04/21/2009 - 06:56

( Posts: 2936 | Credits: )


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?


lrhall41

Submitted by inscoe.karen on Tue, 04/21/2009 - 07:01

( Posts: 16 | Credits: )


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


lrhall41

Submitted by inscoe.karen on Tue, 04/21/2009 - 07:12

( Posts: 16 | Credits: )


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?


lrhall41

Submitted by inscoe.karen on Tue, 04/21/2009 - 07:19

( Posts: 16 | Credits: )


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?


lrhall41

Submitted by inscoe.karen on Tue, 04/21/2009 - 07:28

( Posts: 16 | Credits: )


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.


lrhall41

Submitted by inscoe.karen on Tue, 04/21/2009 - 08:12

( Posts: 16 | Credits: )


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


lrhall41

Submitted by inscoe.karen on Thu, 04/23/2009 - 05:14

( Posts: 16 | Credits: )


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


lrhall41

Submitted by paulmergel on Thu, 04/23/2009 - 06:46

( Posts: 15514 | Credits: )


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


lrhall41

Submitted by on Tue, 04/28/2009 - 10:39

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