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Advice - what I owe for letters SICK!!!

Date: Fri, 05/22/2009 - 08:51

Submitted by fixingit
on Fri, 05/22/2009 - 08:51

Posts: 228 Credits: [Donate]

Total Replies: 8


I've had 2 loans with PDL (High country...whatever they are calling themselves today)

feb. 13 300 DEP 9-Apr 350 DEP
feb. 27 90 30-Apr 105
13-Mar 390 15-May 105

Shold I put in my letter I legally owe them 140.00 (350-210) or that they owe me because of the overpayment on the 1st loan I had with them? I don't want to make a mistake...Want to follow letter of law but this makes a BIG difference on another lender I've had multiple loans with over a year. I feel SICk saying this....I've had 7 loans with Ameriloan over a few years. I currently have one I owe 550 for but with all overpayment I've done on other loans they'd owe me $2265.00!!!! I want to throw up....at my stupidity.


Im no expert at all. but i had one pdl that i had a previous loan with before i knew they were illegal and what they were doing was illegal and i did bring that up in my letter. but im actually overpaid both times, i can't say how much because it makes me sick. i looked at their website today and all my next due and what i owe info is gone. Im hoping that's a good sign. Good Luck with Ameriloan they are terrible to work with and i owe them nothing overpaid on that by alot as well with no previous before on them.


lrhall41

Submitted by on Fri, 05/22/2009 - 11:11

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Okay.....Letters are out to illegal, bank account is closed and I'm terrified......Just scared to death. Friday is first day they miss the payments and I'm just so scared about calls, harassment......I'm doing right thing, right? This won't be decades of having 15 calls a day from these yoyo's? I'm beginning to think this is what i've started....


lrhall41

Submitted by fixingit on Tue, 05/26/2009 - 07:37

( Posts: 228 | Credits: )


It'll be ok. yes you are doing the right thing, they will take over your life and make you a nervous wreck. remember they can't hurt you. I have sent formal complaints to the BBB on both of mine and i received the case #'s Friday. I thought that was really quick. I hoping that works along with everything else i have one, since on mine the principal's have already been paid and i way overpaid. I would like a refund (haha) but i will settle for PIF's. Hope everything works out for you...


lrhall41

Submitted by on Tue, 05/26/2009 - 09:49

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Fixingit, yes, your doing the right thing.

Remember two things, the first and formost, they are illegal.

2nd you will not go to jail, you will not be arrested, will not be "downloaded" for check fraud, or whatever other charges they may think of.

I would also involve your States AG/DFI on their illegal activity.

Some you may hear from some you may never hear from, some will sell your account to an Illegal collection agency right away, others will wait.


lrhall41

Submitted by beli2005 on Tue, 05/26/2009 - 12:01

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Thanks for the reinforcement.....I just set up EPP with Cnet USA and am already kind of uncomfortable as they are saying "my bank" didn't "notify them" I had closed the account and it stills shows open on their side.

Oh, well.....Let the games begin! Thanks for the words - i REALLY needed them more than you'll ever know!


lrhall41

Submitted by fixingit on Tue, 05/26/2009 - 13:12

( Posts: 228 | Credits: )