pdl nightmare begins
Date: Tue, 04/21/2009 - 13:52
I live in NY. I loans with this pdl's nou, united cash loans, ac
I live in NY. I loans with this pdl's nou, united cash loans, achloan, oneclickcash, ssm, cmg, tendollorpaydayloan, cashdirectexpress, coldcashtoday, and nationwidecash.
PayDay Loans are Prohibited in NY. All your loans are ILLEGAL.
PayDay Loans are Prohibited in NY. All your loans are ILLEGAL.
PDL's are illegal in N. Y. CLICK HERE to view your payday loan l
PDL's are illegal in N. Y. CLICK HERE to view your payday loan laws. CLICK HERE to find out how to deal with illegal lenders.
pdl nightmare begins
Is there a sample letter to send to my employer? What do I say when they start calling my job?
If you click on the link I gave you above you will find a sample
If you click on the link I gave you above you will find a sample letter.
They can't garnish since they are all illegal. They may try a
They can't garnish since they are all illegal.
They may try a wage assignement so I would place a wage assigment revocation statement with your payroll/HR.
Oneclickcash called me should I return their call.
Oneclickcash called me should I return their call.
No. Did you send out the letters to the illegal lenders? I
No.
Did you send out the letters to the illegal lenders?
If you did it should have stated to only contact you via email or USPS. Stick to that. You care better off not talking as they are only going to threaten and harrass you.
You can add this in: Quote: I demand that any contact be ma
You can add this in:
Quote:
I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. |
Talk to your boss
You will definately need to tell your boss and your co-workers something--because you will probably be getting alot of calls and some of them might get alittle crazy. I told my boss and co-workers that my bank account was being drafted for money that I didn't owe. (kinda like mistaken identity or even identity theft.) I told my boss and co-workers that was the reason I had to close down my checking account. I also told them that I had talked to the Mississippi Dept. of banking and consumer finance (and I did contact them to make sure that all my internet loans were illegal in my state--and they all were! The man at the dept. of finance told me not to pay any of these companies a dime!) When all the calls started coming at work I would answer the call but I would politely tell these companies that I would only communicate with them in writing and then I would hang up. One company called me about 6 times within 10 minutes saying all kind of threatening things. I just would say please send me this information in writing and then I would hang up. These calls lasted about 2 weeks. I have not heard anything from any of these companies in 2 months. It just helped that my boss and co-workers had an explanation when the calls started--so I wasn't humiliated at work. That is what these scumbag illegal companies intend to do. They are trying to make you uncomfortable at work so that you will do anything to make the calls stop. They are illegal and no matter what they say thay can not do anything to you.
pdl loans nigtmare
I finally got my letters out. Now all I have to do is sit and wait for the responses. I think I am ready for the fight. I just need to contact the AG, my job, the BBB, and the FTC and call for information on the banking laws.
CAN PAYDAY LOANS FILE CRIMINAL CHARGES AND ARRESTAGAINST YOU AND
CAN PAYDAY LOANS FILE CRIMINAL CHARGES AND ARRESTAGAINST YOU AND ARREST YOU FOR NOT PAYING YOUR PAYDAY LOANS IF YOU GET THEM OVER THE INTERNET?
NO. Debt is a civil matter not a criminal one. If they are
NO.
Debt is a civil matter not a criminal one.
If they are threatening that then most likely they are unlicensed and illegal.
I am pretty certain that you should be able to tell collectors t
I am pretty certain that you should be able to tell collectors to stop calling you at work, and if they continue to do so, they are doing so illegally. It is illegal to harass a debtor at their place of business.
I HAVE PAID THE LOAN AMOUNTS THAT THEY WANT BUT CANT SEEM TO GET
I HAVE PAID THE LOAN AMOUNTS THAT THEY WANT BUT CANT SEEM TO GET THE PAPERWORK TO THAT STATES THEY HAVE DISMISSED ALL CHARGES OR COURT DATES YET THAT THEY SAY THEY HAVE. SUPPOSITIVELY I AM SUPPOST TO RECIEVE ALL THAT INFORMATION WITHIN 7 DAYS. THEY WANT ME TO TAKE THEIR WORD AND I AM NOT WHICH THEY ARE GETTING VERY HOSTILE ON THE PHONE BUT TO ME THIS IS A BIG ISSUE AND I WANT TO MAKE SURE IT IS RESOLVED PROPERLY.
There were no court dates or charges. Debt is a civil matter not
There were no court dates or charges. Debt is a civil matter not a criminal ones.
The payday company is lying to you to get more an more money. :(
WELL THATS GREAT I HAVE BEEN LAYING AWAKE FOR 2 WEEKS NOW WORRYI
WELL THATS GREAT I HAVE BEEN LAYING AWAKE FOR 2 WEEKS NOW WORRYING ABOUT THIS. THINKING THE COPS ARE COMING TO ARREST ME FOR THIS EVEN THOUGH IT IS PAID IN FULL.
I am sorry that has happened to you :( They were mostly like
I am sorry that has happened to you :(
They were mostly like illegal. They say all sorts of things to get you to pay which in most cases you do not even owe anymore.
HOW DO YOU KNOW IF THEY ILLEGAL? HOW DO YOU KNOW SO MUCH ABOUT
HOW DO YOU KNOW IF THEY ILLEGAL? HOW DO YOU KNOW SO MUCH ABOUT ALL THIS?
Please try not to post in All Caps. It comes across as if you ar
Please try not to post in All Caps. It comes across as if you are yelling :?
Quote:
HOW DO YOU KNOW IF THEY ILLEGAL? HOW DO YOU KNOW SO MUCH ABOUT ALL THIS? |
Reason being is many of us have dealt with these lenders in the past and are offering information and advice on how to deal with them based on experience. Many of us have done research and have alot of knowledge on how to handle them. To find out the Legality of these lenders, you can simply check with your state's Dept of Financial Institutions. We often do and give you the information based on our findings. Hope that helped :wink:
When I shut down my checking account I started recieving calls b
When I shut down my checking account I started recieving calls but I didn't answer unless I knew the number was a work related number. Almost two weeks after I sent my letters out they stopped calling me at work. I also changed my home and cell phone number to basically force them to contact me in writing.
How do i find a number for the states dept of financial institut
How do i find a number for the states dept of financial institution or is there a website i can visit. didnt mean to seem as i was yelling just did not realize i had the caps on thats how we do everything at work is with caps.
INDIANA Dept of Financial Institutions Licensee information.
INDIANA Dept of Financial Institutions Licensee information.
I was looking on the state dept of financial institution and the
I was looking on the state dept of financial institution and there are none listed for the state I live in that does mean that they are illegal?
Sorry I am a confused person too. i did not think that my last 3
Sorry I am a confused person too. i did not think that my last 3 responses got posted sorry.
So I do not see anything on there for my state what does that me
So I do not see anything on there for my state what does that mean?
Okay wait. Are you all the "guests" the same person? What sta
Okay wait. Are you all the "guests" the same person?
What state and what are you looking for?
What is the name of the payday loan company?
Yes I think they are all me. To see if the payday loan Bahamas
Yes I think they are all me. To see if the payday loan Bahamas Marketing group and VC Funding are legal or illegal in the state of Indiana? Thank you all for you help!
BMG is not. They are illegal. If you search in the search box th
BMG is not. They are illegal. If you search in the search box thre are a lot of thread on them.
VC I am not sure.
If you looked on the database and did not find VC then the best bet is they are unlicensed.
So if they are unlicensed or illegal what exactly does that mean
So if they are unlicensed or illegal what exactly does that mean?
That means a couple things. First you should close your bank
That means a couple things.
First you should close your bank account. Once they have access they AWAYS have access.
Second it means you only owe them what you borrowed. Any fees or rollover charges are applied to that amount.
i.e. If you borrowed $300 you only owe them $300.
They will threaten and harrass all types of things but they can not legally do anything since they made a loan to a consumer in a state that requires them to have a license, which they do not have.
I wish I would have found this site about 3 weeks ago before I p
I wish I would have found this site about 3 weeks ago before I paid them out the butt with additional fees. But if they do not have a license in my state it also means that they can not come after me criminally correct?
Correct. If they threatened you with jail, criminal or arrest
Correct.
If they threatened you with jail, criminal or arrest charges they were lying. They are most likely illegal as legit companies do not threaten those things as it is illegal to do so.
Again, debt is civil not criminal.
The most a legal company can do is file a case in civil court and get a judgement to garnish wages.
No one can be arrested for a debt.
I feel bad what has happened to you but a lot of us have been there and been intimidated by these types of people.
We all live and learn. It has happened to many of us. :(
Thank you so much maybe I can get a good nights sleep tonight wi
Thank you so much maybe I can get a good nights sleep tonight with all your wonderful advise and wisdom. God bless all of you!!
pdl nightmare
So far I have been contacted by National Opportunities Unlimited (NOU) It'sMyPayDay.com by a Mr. West and a Tamika Smith. I faxed my paperwork over to Mr. West at 1-866-850-1199. I will see