PDL's in Texas

BOA can be a bunch of butt heads....it took me going down to 4 different branches before I finally went to the main branch (the big building not the lil offices) and explained everything to the manager and he finally froze my account so like I was told.........don't give up and be persistant just like the PDLs will be with you don't take no for an answer and if you have to go to different branches of BOA until you find someone who will listen.

Best of luck and you are in great hands with all the great ppl and advice here.

I send out my letters tomorrow!!!! Best of luck.....

Sent out my letters, filed my FTC, BBB and AG complaints.,....waiting for PDL's to call! Any advise on next steps? Just wait for them to contact me and stick to my guns? SOmetimes I wonder as I sit waiting for bottom to fall out if I should cave and offer to pay off a settlement and drag it out for 6 months.....would that stop collections and them trying to call my dead grandparents and every cousin, aunt, uncle and former boss? I hate this worry but I guess at least I have $ for gas in my car to get to work now!!!!

I decided I cant deal with the stress of trying to do all of this myself and had some cc debt too so I am going with Town and Country Acceptance for help. It may cost me a little more in the long run but worth it for me not to have to sit up till 2:00AM trying to get things done to only have to get up 3 hours later to get the kids ready for school and me work.

stick in there fixingit, they may or may not call. I did go ahead and send my letters out, to date I have only heard back from 2 of my PDL's. I'm sure I will hear from them sooner or later, but in my letter I did tell them that I was going to be working with a debt management co so they may be waiting to hear from them.

people on this site are great, they will help you. With a lot of searching you can find all of your answers but if you cant just ask, someone will reply to you.

Have a great day and keep your head up!!

I hope you did not send out your letters before your account is safe. They are illegal and will not listen to your letter. They will go in and keep on debiting until your fees hit the roof. They will not stop. Please secure your money before sending out letters to anyone. You need to get the bank to hard block the account .

I'm good guest thanks for checking.....that was taken care of

the bank says it is between me and the pdl's. They said as long as I have a record that I sent the letters revoking the ACH's if they try to debit again after I have sent them letters it is considered fraud and then their fraud prevention dept will take over from there. Kind of a hard way around things, and if they do try and I turn it in as fraud the bank will refund the od fee's. Well at least that is what they told me anyway, hope its true if I have to use it..........

checked my email today and I have a letter from Zip 19 saying my balance is 0.00!! I didn't even tell them they were illegal, I just revoked my ach and wage garnisment and told them I was working with a 3rd party to handle things for me. I'm keeping that email safe and sound, but I am still going to pay them, I did borrow the money and I do owe them I'm just going to let Town and Country handle it for me.

Now why can't I get eastside and ameriloan to get me PIF when I've overpaid the 1,000ssss!!!!! I don't even care about refund just want PIF! I know I'll NEVER get a refund!

I have a funny feeling about getting the pif from Zip. I'm afraid I havent heard the last of them. I know they got my c&d because I can't login to my account any more. guess we'll wait and see what happens.........

lkub65
How is it going? It is still "suspiciously" quiet on my end...a few emails but still waiting for the bottom to fall out. No PIF's...I'm sure they are still hitting my closed account. GFS/GFSIL I expected to be worst...emails don't bounce? Ameriloan I expected alot of flack from to but just a few emails so far.....

lkub65
How is it going? It is still "suspiciously" quiet on my end...a few emails but still waiting for the bottom to fall out. No PIF's...I'm sure they are still hitting my closed account. GFS/GFSIL I expected to be worst...emails don't bounce? Ameriloan I expected alot of flack from to but just a few emails so far.....

lkub65
How is it going? It is still "suspiciously" quiet on my end...a few emails but still waiting for the bottom to fall out. No PIF's...I'm sure they are still hitting my closed account. GFS/GFSIL I expected to be worst...emails don't bounce? Ameriloan I expected alot of flack from to but just a few emails so far.....

Well, I received an email today from PDL Loan Center stating that RBT Loans is no longer handling my account and gave me a phone number to call and when I call it all I get is a voicemail stating that it is customer service and that the hours are 9:00am to 8:00PM EST, and it was 5:45PM EST when I called.

Also, Ace called and said they dont wont with any consolidation company and that they dont offer a EPP, that it is either pay in full or they will press charges.

One Click Cash has sent me an email saying that I missed my payment, and I forwarded them the info for Town and Country.

Other than that is has been pretty quiet so far.

Oh, I got the SAME THING from PDL loan center.....sorry aobut the multiple posts my computer must have freaked out b/c I didn't mean to post that 3 X! Ace is storefront/ CSO right? I thought they had to do an EPP..........Check with a senior member of forum and maybe they can give you assistance......hang in there!

Ace does not offer the EPP. They are not a member of CFSA. The consolidation company probably informed you that some PDL compnaies will deny working with them. Just send your responses to T&C and let them handle it. That is what you are paying them for :?

Ace is FOS (full of s***) They will not press charges because a debt is a civil matter not a criminal one. What they can do is file in small claims court to recover the loan balance.

Yeah Cool Abyss Ace told me they wouldn't work with any consolidation company, I called T&C today and told them and T&C told me not to worry about it. Ace is still calling me though, guess I need to send them another C&D letter and remind them that I requested email or postal mail and no phone calls.

Fixingit,
Yes Ace is a CSO, I got the loan online and didnt go into a storefront to get it but I'm sure that doesnt matter either way. I heard from them today (so far) so maybe they decided to go ahead and work with Town and Country after all. One can always hope anyway.......... :)

I'll keep my fingers crossed for you!!!!

Thanks!!!! It's nice that the phone isn't ringing off of the hook all of the time. Would be peaceful if I didnt have my husband down my throat all of the time, but I think that is for a different forum. :)

Oh, yeah....that is why boyfriends are better (heehee~) Well, I'm like 4 for 6 at this point but Ameriloan is going to be the royal pain in my a**. I don't know what I'm going to do about them....If I keep pushing a little longer? From what I'm reading on this site, they won't play don't care about AG complaints, the BBB in OK closed my complaint as unresolved...GRRRR.....Only other outstanding is High Country / PDL loan Center/ RBT whatever they are which noone answers the phone! If I could get these 2 resolved I'd be SOOOOO happy. I know it has only been about a month working on this and I should be pretty happy - we'll see......Have a good weekend!!!!

that's great that you have almost all of them taken care of and in just a little bit of time!!!! I am wishing now I had taken care of he pdl's myself but I just didnt think I had time to deal with everything along with everything else going on in my life right now so I went with T&C. But they are doing a good job, if I have a question or a problem they have been pretty quick to answer the phone or make a phone call for me.

Hope everyone has a good weekend!!!! :D

well........PDL Ventures got to me today.........Eugene in their customer service is a jerk....Eric Livingston was nice seemed like a poor guy trying to make a living. I shouldn't have talked to them on phone....BIG MISTAKE!!!! Totally disagree they owe me $, just fine we will turn it over to collections. BAD EXPERIENCE.

You are posting everywhere and we are telling you the same information. Do not contact them, they are ILLEGAL! Just get an address and send the principle amount borrowed. If you have overpaid then I would not hold my breath for a refund. The more you engagae them the more you eill stress!

fixingit, listen to Cool Abyss and dont talk to them. They will just stress you out more and no one needs any more stress in their lives these days. If you have sent them Cease and Diciest letters I would just ignore them or do like I have done with a couple and let them tell me who they are with and quickly remind them that they have been sent and have received a C&D from me and that specifically states NO PHONE CALLS PERMITTED and that they are in direct violation of the FDCPA. Since I am working with T&C I also tell them that they need to contact T&C about it and give them the number and hang up. I just talk over them in a calm voice, and when I hang up I call T&C and tell them who called and ask them to take care of it.

well just as I thought everything was beginning to go well I check my "hard lock - deposit only" checking account to find that BoA allowed Ace to debit it sending me OD'd AGAIN by $650. I am definitely disputing this tomorrow because Ace knew good well that their ACH thingy had been revoked because I have the green card showing they signed for the letter!!!! And when I called "customer service" they said they had no record of me having a "hard block" put on that account and that I should have closed it if I didnt want any debits coming out of it, NO you should have left the damn thing blocked like you told me you would do, a'holes!! I'm closing ALL of my accounts (my kids savings, my savings and checking) with BoA and opening them at the little hole in the wall bank here in my home town, esp now that they have debit cards. :x

OK, I'm dont ranting for now........

So how is everyone else's PDL nightmare going?