I need help, quick!
Date: Sat, 09/12/2009 - 12:44
I am an Illinois resident with 6 payday loans and three installment loans.
All Credit Lenders (Installment) $500 principle w/biweekly payments of $99.92 scheduled to continue until 4/10/2010. Current.
Cashnet Usa (Installment) $400 principle w/biweekly payments of $60.16 until 12/9/2009. Current.
Little Loan Shoppe (Installment) $300 principle w/biweekly payments of $105 for 20 payments. Payment agreement.
Paychecktoday $300 issued paid $555 total as of 8/14/09
Ace Cash Services $300 paid $430 as of 8/14/09. Defaulted as of 8/28
Tremont Financial $500 w/$150 fee, paid $450 in deferred payments, in which a maximum of your 80% of your loan balance is deferred with 20% of the payment applied to the outstanding principal. Limit of 4 deferrals per original loan. I owe $532 as of 9/1/09 with 8/28 payment in default.
Hushawk $200 w/$60 renewal fee biweekly. Current.
Shamrock $150 w/$45 renewal fee biweekly. Current.
Ace Cash Services and Paycheck Today are playing hardball. But Little Loan Shoppe and All Credit Lenders have agreed to work with me.
The bank won't close my account because I am overdrawn, and charge me $8 a day I am overdrawn. Any suggestions to get out of this mess.
Little Loan Shoppe is an installment loan? Now that's a new one
Little Loan Shoppe is an installment loan? Now that's a new one one me, they obviously changed their lender status, I wonder if they are registered with the Secretary Of State so they are legally able to lend as an installment lender. That might be something worth checking out if I were you. All of yours with the exception of the installment loans are unlicensed lenders. You need to go into your bank and speak directly with the branch manager, tell them you NEED a hard debit block on your account. Explain that you would simply revoke the unlicensed lenders right to debit your account per federal law (EFTA Regulation E) but due to the fact that these lenders are illegal it wouldn't do you any good to exercise your rights per the EFTA law. Explain that you need their help so that you are able to get things straightened out. Also file complaints with your AG and the FTC, tell the bank manager you are getting your Attorney General's office involved anf the FTC (Federal Trade Commision, that should help you with convincing the bank manager to place a hard debit block on your account so that you will have money for the bare neccesities. Then it will give you time to work on some type of repayment plan with the LEGAL lenders without the worry of them debiting your account. CLICK HERE to find out how to deal with illegal lenders.
Thanks. I went to the bank a few hours ago, I had to pay a fee
Thanks. I went to the bank a few hours ago, I had to pay a fee to stop Ace Cash Services and Paycheck Today from further ACH transactions. The I told them I would keep a minimal direct deposit going to try to get my bank account out of the red.
I figured Little Loan Shoppe maybe illegal, they offer payday loans or installments, in the US or UK, promoting the installment is a better option, because a small percentage of the $105 goes toward the principle, but it does not appear that my balance is decreasing, the majority of the money goes to processing fees, their fee, and finance charges, giving about $15 toward the principle. At one point they said I owed $325 if I paid in full, when I was current. But now that I'm deliquent, they agreed to monthly payments of $125 with no further fees, but now it going to cost me over $600. I think the added more fees because they said my balance was $565 or close to that amount.
In followup, Tremont refuses to respond via email requesting a settlement, but just keeps leaving voice mails all over the place. I want any settlement in writing. So, I check my status online and they said I can pay the balance via moneygram. Based on information I read in the forums, I emailed Paycheck Today and Ace Cash Services, because of their unwilling stance to work with me, pointing out that they are in violation of Payday Loan Reform Act in both my state of Illinois and Oklahoma, where their mailing addresses are supposedly located. Demanding a cease and desist of contacting me unless through email or US mail, pointing out wages assignments and ACH transactions are now revoked per their blatant violations of both Oklahoma and Illinois state laws.
Can you provide information from Hushshawk & Shamrock so that I can try the same tactics?
By the way, here is the brief version of the letter sent to Ace
By the way, here is the brief version of the letter sent to Ace Cash Services and Paycheck Today.
After doing research regarding payday loan laws in the State of Illinois, I have found that your internet payday loans are actually illegally violating the provisions of the law in both Illinois and Oklahoma in general.
Oklahoma laws permit a finance charge of $45.46 on a $300 dollar loan, and the maximum loan term is 45 days. My initial loan payment of $90 was made 7/3/09, as of 8/14/09, I have made payments totalling $430, well over the alloted finance charge, as well as exceeded the maximum loan term. Extensions are not permitted in either state.
Illinois Payday Loan Reform Act (815 ILCS 122/):
Article 2. Payday Loans
(Source: P.A. 94 13, eff. 12 6 05.)
(815 ILCS 122/2 5)
Sec. 2 5. Loan terms.
(a) Without affecting the right of a consumer to prepay at any time without cost or penalty, no payday loan may have a minimum term of less than 13 days.
(b) No payday loan may be made to a consumer if the loan would result in the consumer being indebted to one or more payday lenders for a period in excess of 45 consecutive days. Except as provided under Section 2 40, if a consumer has or has had loans outstanding for a period in excess of 45 consecutive days, no payday lender may offer or make a loan to the consumer for at least 7 calendar days after the date on which the outstanding balance of all payday loans made during the 45 consecutive day period is paid in full. For purposes of this subsection, the term "consecutive days" means a series of continuous calendar days in which the consumer has an outstanding balance on one or more payday loans; however, if a payday loan is made to a consumer within 6 days or less after the outstanding balance of all loans is paid in full, those days are counted as "consecutive days" for purposes of this subsection.
(c) No lender may make a payday loan to a consumer if the total principal amount of the loan, when combined with the principal amount of all of the consumer's other outstanding payday loans, exceeds $1,000 or 25% of the consumer's gross monthly income, whichever is less.
(d) No payday loan may be made to a consumer who has an outstanding balance on 2 payday loans.
(e) No lender may charge more than $15.50 per $100 loaned on any payday loan over the term of the loan. Except as provided in Section 2 25, this charge is considered fully earned as of the date on which the loan is made.
(f) A lender may not take or attempt to take an interest in any of the consumer's personal property to secure a payday loan.
(g) A consumer has the right to redeem a check or any other item described in the definition of payday loan under Section 1 10 issued in connection with a payday loan from the lender holding the check or other item at any time before the payday loan becomes payable by paying the full amount of the check or other item.
(Source: P.A. 94 13, eff. 12 6 05.)
(815 ILCS 122/2 7)
Sec. 2 7. Wage assignments. Any payday loan that is a transaction in which the lender accepts a wage assignment must meet the requirements of this Act, the requirements of the Illinois Wage Assignment Act, and the requirements of 16 C.F.R. 444.2(a)(3)(i)(2003, no subsequent amendments or editions are included). A violation of this Section constitutes a material violation of the Payday Loan Reform Act.
(Source: P.A. 94 13, eff. 12 6 05.)
(815 ILCS 122/2 10)
Sec. 2 10. Permitted fees.
(a) If there are insufficient funds to pay a check, Automatic Clearing House (ACH) debit, or any other item described in the definition of payday loan under Section 1 10 on the day of presentment and only after the lender has incurred an expense, a lender may charge a fee not to exceed $25. Only one such fee may be collected by the lender with respect to a particular check, ACH debit, or item even if it has been deposited and returned more than once. A lender shall present the check, ACH debit, or other item described in the definition of payday loan under Section 1 10 for payment not more than twice. A fee charged under this subsection (a) is a lender's exclusive charge for late payment.
(b) Except for the finance charges described in Section 2 5 and as specifically allowed by this Section, a lender may not impose on a consumer any additional finance charges, interest, fees, or charges of any sort for any purpose.
(Source: P.A. 94 13, eff. 12 6 05.)
I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.
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.
My research shows that your company is not licensed to do business in Illinois, and should NOT issue loans to Illinois residents at all. I am requesting that you send me your license number which enables you to offer loans to Illinois residents.
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.
Sincerely,
CC: National City Bank
Better Business Bureau
Illinois Attorney General Office
Federal Trade Commission
This is all the information I have on Hushhawk, you might try se
This is all the information I have on Hushhawk, you might try search the BBB for more information on both of those pdl's. You can also type in the name "Hushhawk phone number" or "Shamrock address" into the search box located in the upper right hand corner of this forum, it may take a while but I am sure you will come across their address and phone number somewhere in this forum.
Huskhawk Group
P.O. Box 556
Charleston, SC 29401
FYI, asking the original creditor to cease and desist contact wi
FYI, asking the original creditor to cease and desist contact with you isn't backed by any laws, however, I sent them at the time I was dealing with them anyway, some of these pdl companies employ people who aren't very bright, so my thoughts were, what the heck, they may or may not abide by it, I had nothing to lose by trying. A cease and desist order however is a federal law which applies to the 3rd party collector. Again, FYI.
Shamrock Mrtkg
[FONT=Arial][SIZE=2][COLOR=green][COLOR=green]No luck with the address, but the emailed me their change of phone number.
[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=green]
[/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=green]Shamrock Marketing Group, LLC[/COLOR][/SIZE][/FONT][SIZE=2][COLOR=silver] [/COLOR][/SIZE]
[FONT=Wingdings][SIZE=1][COLOR=navy][COLOR=navy]([/COLOR][/COLOR][/SIZE][/FONT][FONT=Tahoma][SIZE=1]: [/SIZE][/FONT]800-370-5293[FONT=Tahoma][SIZE=1] [/SIZE][/FONT][FONT=Wingdings 2][SIZE=1][COLOR=navy][COLOR=navy]7[/COLOR][/COLOR][/SIZE][/FONT][FONT=Tahoma][SIZE=1]: [/SIZE][/FONT]888-577-9399[SIZE=2][COLOR=silver][COLOR=silver][/COLOR][/COLOR][/SIZE]
[FONT=Arial][SIZE=3][COLOR=black][EMAIL="cust.service@shamrock-llc.com"][FONT=Tahoma][SIZE=2]cust.service@shamrock-llc.com[/SIZE][/FONT][/EMAIL][/COLOR][/SIZE][/FONT][FONT=Tahoma][SIZE=2] [/SIZE][/FONT]
Thanks for posting this informatiom, I will add it to my files f
Thanks for posting this informatiom, I will add it to my files for future reference, hopefully it will help others who are seeking info about them.
Tremont
I emailed Tremont Financial a revoke of wage assignment, as well as sent a copy to my payroll department. Mailing a certified letter today. When I checked my email, my spam folder had a untitled message from somebody asking I call 1-888-357-9106 x8020 to discuss my account. A google search lead me back to the forums, apparently it is Tremont's collections department, but the email address given is not the same. I'm not calling the number, since that was all the info given. So I guess I need to get ready for the drama.
Quote:Originally Posted by blujeansI emailed Tremont Financial a
Quote:
Originally Posted by blujeans I emailed Tremont Financial a revoke of wage assignment, as well as sent a copy to my payroll department. Mailing a certified letter today. When I checked my email, my spam folder had a untitled message from somebody asking I call 1-888-357-9106 x8020 to discuss my account. A google search lead me back to the forums, apparently it is Tremont's collections department, but the email address given is not the same. I'm not calling the number, since that was all the info given. So I guess I need to get ready for the drama. |
Nah, I wouldn't call them at all and if they call you, hang up immediately, if you don't recognize the number, don't answer it.
Blue Jean I noticed that you put stop payments on a few of your
Blue Jean
I noticed that you put stop payments on a few of your loans. It will not work sorry to say. They will simply use another name to get in and take your money.
You need to either close the account or put a hard debit block on it. It is the only way to be safe
Internet PDLS
I spoke with the bank, and they only agreed to stop ACH payment attempts from two of the loans. Everyone else apparently has stopped attempting to withdraw money for the moment, but I did initially agree to pay them, until I realized they had been overpaid based on my state laws.
Quote:
Originally Posted by Anonymous Blue Jean I noticed that you put stop payments on a few of your loans. It will not work sorry to say. They will simply use another name to get in and take your money. You need to either close the account or put a hard debit block on it. It is the only way to be safe |
Quote:Originally Posted by blujeansI spoke with the bank, and th
Quote:
Originally Posted by blujeans I spoke with the bank, and they only agreed to stop ACH payment attempts from two of the loans. Everyone else apparently has stopped attempting to withdraw money for the moment, but I did initially agree to pay them, until I realized they had been overpaid based on my state laws. |
Your financial institution can't do that, they MUST abide by your wishes to revoke ALL ACH transaction per the EFTA law, or they could be held liable. I have to agree with the guest, placing a stop on their ACH's will NOT stop them. It may not happen soon but I can guarantee you some time in the furture they WILL change their names and they WILL withdrawal funds from your account. They didn't follow the law to begin with by loaning to you, why would they start now, well, they WON'T. My advice is, close that account. Also, go back into your bank and remind them they MUST abide by the EFTA law, I will copy it here for you to print out.
[QUOTE]
Electronic Funds Transfer Act
907. Preauthorized transfers
(a) A preauthorized electronic fund transfer from a consumer's account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. The financial institution may require written confirmation to be provided to it within fourteen days of an oral notification if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent.
(b) In the case of preauthorized transfers from a consumer's account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer, in accordance with regulations of the Board, of the amount to be transferred and the scheduled date of the transfer.
[Codified to 15 U.S.C. 1693e]
[Source: Section 907 of title IX of the Act of May 29, 1968 (Pub. L. No. 90-321), as added by title XX of the Act of November 10, 1978 (Pub. L. No. 95-630; 92 Stat. 3733), effective May 10, 1980][/QUOTE]
Tremont
Good News,
This is Tremont's response to my letters--
[COLOR=#1f497d]Directly responding to your concerns, Tremont Financial is confident that it has not violated any Illinois statute or loan limitations. All loan applications, credit checks and loan approvals are conducted within the state of South Dakota, where Tremont Financial is a registered limited liability company and maintains a Money Lending License through the South Dakota Department of Commerce & Regulation. As you read on the documents you signed, there are clear and conspicuous disclosures made on both the Tremont Financial website, and also within the Note and Disclosure Agreement stating that all transactions are conducted in the state of South Dakota, and that South Dakota law applies to all matters therein. You agreed to these provisions in order to receive a loan from us.[/COLOR]
[COLOR=#1f497d] [/COLOR]
[COLOR=#1f497d]Tremont Financial does not operate a store or business in the state of Illinois, nor is any employee of Tremont physically present in the state of Illinois. All transactions are conducted under the laws of the state of South Dakota as so stated in our contracts. Our contracts are drafted in the state of South Dakota, accepted in the state of South Dakota and are executed in the state of South Dakota. Under the general principals of conflicts of law, our contract and business is deemed to be conducted in the state of South Dakota.[/COLOR]
[COLOR=#1f497d] [/COLOR]
[COLOR=#1f497d]In an effort to settle this matter amicably, we will accept your offer to pay $152.50 to bring your account to closure.[/COLOR]
[COLOR=#1f497d] [/COLOR]
[QUOTE=blujeans;469544]I turned to payday loans to get my car fixed, and catch up on credit card bills. Now due to all the loans, I am behind with all my creditors and barely have food to eat.
I am an Illinois resident with 6 payday loans and three installment loans.
All Credit Lenders (Installment) $500 principle w/biweekly payments of $99.92 scheduled to continue until 4/10/2010. Current.
Cashnet Usa (Installment) $400 principle w/biweekly payments of $60.16 until 12/9/2009. Current.
Little Loan Shoppe (Installment) $300 principle w/biweekly payments of $105 for 20 payments. Payment agreement.
Paychecktoday $300 issued paid $555 total as of 8/14/09
Ace Cash Services $300 paid $430 as of 8/14/09. Defaulted as of 8/28
Tremont Financial $500 w/$150 fee, paid $450 in deferred payments, in which a maximum of your 80% of your loan balance is deferred with 20% of the payment applied to the outstanding principal. Limit of 4 deferrals per original loan. I owe $532 as of 9/1/09 with 8/28 payment in default.
Hushawk $200 w/$60 renewal fee biweekly. Current.
Shamrock $150 w/$45 renewal fee biweekly. Current.
Ace Cash Services and Paycheck Today are playing hardball. But Little Loan Shoppe and All Credit Lenders have agreed to work with me.
The bank won't close my account because I am overdrawn, and charge me $8 a day I am overdrawn. Any suggestions to get out of this mess.[/QUOTE]
Shamrock
Success!
Shamrock provided a payment in full letter this afternoon. :D I used Nevada payday loan laws to base my letter and Illinois laws. So apparently they are in Nevada. They requested in the letter that I notify any additional parties, that the complaint has been resolved.
Paycheck Today
I received a email from Paycheck Today offering a settlement to my account, if I responded in two days. I am not willing to settle, since I have already overpaid them $200. I have emailed them, faxed them, and mailed them letters, they are not willing to budge. Now they threaten to report the account to the credit bureau and a third party collection agency. Now what?
Quote:Originally Posted by blujeansI received a email from Paych
Quote:
Originally Posted by blujeans I received a email from Paycheck Today offering a settlement to my account, if I responded in two days. I am not willing to settle, since I have already overpaid them $200. I have emailed them, faxed them, and mailed them letters, they are not willing to budge. Now they threaten to report the account to the credit bureau and a third party collection agency. Now what? |
It's probably just a threat but keep an eye on your credit report, if they do fill out a formal dispute with the CRA's, let them know this is an illegal/unlicensed lender, therefore the loan is null and void.
i notced nothing about AG,or FTC complaints.if you haven't filed
i notced nothing about AG,or FTC complaints.if you haven't filed them against paycheck today.do it!that way this illegal lender knows you are serious about the matter.
I have filed a complaint online with the FTC, Oklahoma AG and ma
I have filed a complaint online with the FTC, Oklahoma AG and mailed in the Illinois AG complaint form. In response to Paychecktoday's email I provided the reference # provided by the FTC, and stated that if they intend to carryout their threats, I will seek further remedies.
Quote:
Originally Posted by paulmergel i notced nothing about AG,or FTC complaints.if you haven't filed them against paycheck today.do it!that way this illegal lender knows you are serious about the matter. |
Paycheck Today
I got a call from 866-679-4046, which I believe is their collection agency, Accounts Receivable Mgmt of FL. Leaving a voicemail for me or my legal representative to return their call within the hour, or something to that effect. The person did not leave any info other than that. I did call back, and got a general voicemail. I decided to play a mind game too, so I left a vague message as well, just because I'm irritated. Not giving any pertinent information, stated who I was, said something to this effect, just so you are aware, your client issued an illegal loan, this matter has been turned over to the FTC, AG, etc. If your client (didn't offer a client name) wants to contact me regarding the pending case, they can do so by mail. and BTW your company ARM is not licensed to collect in the State of IL. Stop calling me. Have a nice day.
I'm sure I will here from them again, because of course it was a general mailbox.
Quote:
Originally Posted by blujeans I received a email from Paycheck Today offering a settlement to my account, if I responded in two days. I am not willing to settle, since I have already overpaid them $200. I have emailed them, faxed them, and mailed them letters, they are not willing to budge. Now they threaten to report the account to the credit bureau and a third party collection agency. Now what? |
Good for you bluejeans, I hope they put that in their pipe and s
Good for you bluejeans, I hope they put that in their pipe and smoke it!
Is ARM licensed in IL, I checked with ILDPR which shows one lice
Is ARM licensed in IL, I checked with ILDPR which shows one licensed ARM in IL, but the agency calling me is located in FL? Someone also stated they are a subsidiary of LVNV, which is licensed in NV. Are they legally able to collect in IL or is their license good for any state?
they have to have a license in IL to lend or collect.ARM of fl c
they have to have a license in IL to lend or collect.ARM of fl collects,or attempts to collect on illegal pdl's.in fact they specialize in it.i sent you a response to your PM.just follow that,and you should be fine.
ARM of FL
So a new guy calls back from ARM of FL, Mr. Kelly, who was actually very cordially. I let him go through his whole spill, stating that Paychecktoday was in the process of making my case a legal matter in IL, but can be stopped if I accepted the one time settlement offer he was prepared to make. I stopped him, before he can get it out.
I then reminded him that the loan was not legal in the state of Illinois, and is to be considered null and void, as the account has been overpaid, a refund is due. This issue has been turned over to the AG of OK, IL, & FTC, and will be fought in court if necessary. He then stated that the conversation is being recorded, and asked for my attorney's name, which I stated is been handled privately. He said good luck and hung up.
I did send ARM of FL a DV certified mail yesterday. The FTC and AG of OK, take 30 days for a response, and AG of IL requires the complaint to be mailed in, so who knows how long it will take. Wish me luck.
Quote:
Originally Posted by blujeans I got a call from 866-679-4046, which I believe is their collection agency, Accounts Receivable Mgmt of FL. Leaving a voicemail for me or my legal representative to return their call within the hour, or something to that effect. The person did not leave any info other than that. I did call back, and got a general voicemail. I decided to play a mind game too, so I left a vague message as well, just because I'm irritated. Not giving any pertinent information, stated who I was, said something to this effect, just so you are aware, your client issued an illegal loan, this matter has been turned over to the FTC, AG, etc. If your client (didn't offer a client name) wants to contact me regarding the pending case, they can do so by mail. and BTW your company ARM is not licensed to collect in the State of IL. Stop calling me. Have a nice day. I'm sure I will here from them again, because of course it was a general mailbox. |
I still have not heard back from Ace Cash Services and Huskhawk,
I still have not heard back from Ace Cash Services and Huskhawk, do I need to keep emailing and faxing them? Ace is has the debit block. Huskhawk keeps sending me the form to authorize the refinance fee to debit from my account. I did blacken my name off the form and send the ACH revoke letter, along with the information regarding the payday loan laws of Illinois.
Quote:Originally Posted by blujeansI still have not heard back f
Quote:
Originally Posted by blujeans I still have not heard back from Ace Cash Services and Huskhawk, do I need to keep emailing and faxing them? Ace is has the debit block. Huskhawk keeps sending me the form to authorize the refinance fee to debit from my account. I did blacken my name off the form and send the ACH revoke letter, along with the information regarding the payday loan laws of Illinois. |
Nah, just wait until they respond.
ARM of FL & Paychecktoday
ARM called today, apparently Paychecktoday, they received initial notification from the AG of OK. I spoke w/Mr. Kelly previously telling him that the matter had been reported to AG and stop stopping contacting me. Mailed C &D, as well as a DV. So they called again stating they could send me the signed contract and their client is an internet loan and does not have to follow OK or IL laws. I sought them out, kept refinancing, and needed to pay my debt. In turn stated, it was illegal for the loan to be issued w/out a license in IL and they are not in compliance with OK laws. I have overpaid this acct, and a refund is now due, if they wanted to discuss that. So a manager gets on the phone, trying to get the same point across, then demanded my attorney's info. I said, here is the contact number from AG's office in OK, and the complaint #. He hangs up the phone on me in midsentence. Now what? Should I complain because they violated the C & D, or wait to see the outcome from the AG's office?
Quote:
Originally Posted by blujeans So a new guy calls back from ARM of FL, Mr. Kelly, who was actually very cordially. I let him go through his whole spill, stating that Paychecktoday was in the process of making my case a legal matter in IL, but can be stopped if I accepted the one time settlement offer he was prepared to make. I stopped him, before he can get it out. I then reminded him that the loan was not legal in the state of Illinois, and is to be considered null and void, as the account has been overpaid, a refund is due. This issue has been turned over to the AG of OK, IL, & FTC, and will be fought in court if necessary. He then stated that the conversation is being recorded, and asked for my attorney's name, which I stated is been handled privately. He said good luck and hung up. I did send ARM of FL a DV certified mail yesterday. The FTC and AG of OK, take 30 days for a response, and AG of IL requires the complaint to be mailed in, so who knows how long it will take. Wish me luck. |
i would file follow-up complaints.include the violation of the c
i would file follow-up complaints.include the violation of the c&d.they are a true bottomfeeder.
Loans
Paycheck Today and Ace are abiding by the C&D letter. But I am unsure whether they have closed out the accounts as paid in full or intend to try other collection methods. I don't want to contact them, because they are leaving me alone for the moment, I did over pay them, but a piece of mind is payment enough. I have an acquaintance that has PDLs reported on her credit report, I don't need additional headaches, I have already been reported to Chexsystem and my bank account charged off.
Both AG's in my state and OK have responded to my complaints, stating they are investigating and will be in contact if needed. I have not back heard from FTC, or Dept of Financial Regulation.
By the way Huskhawk has ignored my emails and faxes, and are still taking ACH deductions. They email me every two weeks a form reminding me of the payment and the option to send additional money to pay down the balance. I have put ACH revoked numerous times, they just keep deducting from my only available bank account that I don't want to mess up. Fortunately, they are only taking $45, so I don't mind as much. I thought I mailed them a certified letter, but a received receipt never came back. Maybe I should just pay them what they are asking as full payment so I can be done with everyone, but they have been paid at least $300 over.
Quote:
Originally Posted by blujeans I still have not heard back from Ace Cash Services and Huskhawk, do I need to keep emailing and faxing them? Ace is has the debit block. Huskhawk keeps sending me the form to authorize the refinance fee to debit from my account. I did blacken my name off the form and send the ACH revoke letter, along with the information regarding the payday loan laws of Illinois. |
Quote:Originally Posted by blujeansPaycheck Today and Ace are ab
Quote:
Originally Posted by blujeans Paycheck Today and Ace are abiding by the C&D letter. But I am unsure whether they have closed out the accounts as paid in full or intend to try other collection methods. I don't want to contact them, because they are leaving me alone for the moment, I did over pay them, but a piece of mind is payment enough. I have an acquaintance that has PDLs reported on her credit report, I don't need additional headaches, I have already been reported to Chexsystem and my bank account charged off. Both AG's in my state and OK have responded to my complaints, stating they are investigating and will be in contact if needed. I have not back heard from FTC, or Dept of Financial Regulation. By the way Huskhawk has ignored my emails and faxes, and are still taking ACH deductions. They email me every two weeks a form reminding me of the payment and the option to send additional money to pay down the balance. I have put ACH revoked numerous times, they just keep deducting from my only available bank account that I don't want to mess up. Fortunately, they are only taking $45, so I don't mind as much. I thought I mailed them a certified letter, but a received receipt never came back. Maybe I should just pay them what they are asking as full payment so I can be done with everyone, but they have been paid at least $300 over. |
I fear that Hushhawk will never stop debiting your account, as long as they have your account number, it will never be safe again.
Paycheck Today Follow Up
So Oklahoma Attorney General wrote me Monday...they have determined that my complaint with Paycheck Today follows under the FTC office, turning over the case. Hopefully, I will get some results.
Quote:
Originally Posted by blujeans I received a email from Paycheck Today offering a settlement to my account, if I responded in two days. I am not willing to settle, since I have already overpaid them $200. I have emailed them, faxed them, and mailed them letters, they are not willing to budge. Now they threaten to report the account to the credit bureau and a third party collection agency. Now what? |
Quote:Originally Posted by blujeansSo Oklahoma Attorney General
Quote:
Originally Posted by blujeans So Oklahoma Attorney General wrote me Monday...they have determined that my complaint with Paycheck Today follows under the FTC office, turning over the case. Hopefully, I will get some results. |
Keep us posted, I'm interested in hearing the outcome.
Ace Cash Services
Success! After four months of waiting, I received a letter from Oklahoma AG providing Ace's response to their investigation. Ace's "Legal Department" sent a letter stating that, they consider my account paid in full and closed. No mention of a refund of the overpayment, but at least I am finished dealing with them.
Hi there...I've gotten one of those "notices" from Termont, too,
Hi there...I've gotten one of those "notices" from Termont, too, but I'm in California. I'm going to have to draft a letter to Tremont in relation to their threat to take me to court in Minnehaha County, South Dakota. (Already have complained to the Department of Corporations in CA as I don't believe that they're licensed here). I've sent them a wage assignment revocation letter already, and have started paying them some of the money I owe. I just need the potential Court action to be removed. Any suggestions?
Huskhawk Group
Success...After 6 months waiting, Huskhawk finally stopped taking money out of my account. The address below is not good, I sent a certified letter and did not receive a confirmation that they received it. They did email a ACH confirmation letter with their new contact and fax numbers. So I re-faxed my original letters and a new letter, with the FTC complaint #, etc. Apparently it worked, they haven't take any money from my account the last two pay days. ;)
[QUOTE=Shazzers;469603]This is all the information I have on Hushhawk, you might try search the BBB for more information on both of those pdl's. You can also type in the name "Hushhawk phone number" or "Shamrock address" into the search box located in the upper right hand corner of this forum, it may take a while but I am sure you will come across their address and phone number somewhere in this forum.
Huskhawk Group
P.O. Box 556
Charleston, SC 29401[/QUOTE]