logo

Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

New jersey pdl hell please help

Date: Wed, 06/30/2010 - 06:25

Submitted by liz louden
on Wed, 06/30/2010 - 06:25

Posts: 15 Credits: [Donate]

Total Replies: 22


I'm thinking of closing my bank account but im so scared i have an ulcer b/c of my stress and i cant seem to breathe with these companies no one will talk to me. if any of you have info on these companies please let me know.
iadvance.com aka integrity advance loan was for $550.00 i have paid over $1200.00 and still owe like $250.00

Unitedcashloans $500.00 i have paid them close to $2000.00
Ameriloan.com $400.00 paid close to $700.00 owe $195.00
Nationwidecash.com $400.00 paid close to $1200.00 owe $200.00
Cashexpress.com aka loan government emp?? $400.00 havent even piad this one down yet but paid close to 400 in finance charges.
Nextdaycash $300.00 havent paid anything to them yet either

please help me im so scared to close my bank account. When i call these places they make me cry b/c they talk to me like a piece of trash that took out loans and cant pay them back. i just wanna die right now. i even borrowed $1200.00 from a family member and that still wasnt enough to pay these off. I've been looking on these threads and does closeing your account and sending them cease and disest letters really work? can these companies report to your credit? please please help me.


Quote:

Originally Posted by liz louden
I'm thinking of closing my bank account but im so scared i have an ulcer b/c of my stress and i cant seem to breathe with these companies no one will talk to me. if any of you have info on these companies please let me know.
iadvance.com aka integrity advance loan was for $550.00 i have paid over $1200.00 and still owe like $250.00

Unitedcashloans $500.00 i have paid them close to $2000.00
Ameriloan.com $400.00 paid close to $700.00 owe $195.00
Nationwidecash.com $400.00 paid close to $1200.00 owe $200.00
Cashexpress.com aka loan government emp?? $400.00 havent even piad this one down yet but paid close to 400 in finance charges.
Nextdaycash $300.00 havent paid anything to them yet either

please help me im so scared to close my bank account. When i call these places they make me cry b/c they talk to me like a piece of trash that took out loans and cant pay them back. i just wanna die right now. i even borrowed $1200.00 from a family member and that still wasnt enough to pay these off. I've been looking on these threads and does closeing your account and sending them cease and disest letters really work? can these companies report to your credit? please please help me.


liz,i want to you calm down and listen to what i'm gonna say.close your account asap.why?because all pdl's are illegal in NJ,therefore you only owe the principle borrowed.anything in fees goes toward the loans meaning you have waaaaaaay overpaid all of these.btw the people who call you are the trash,and you should treat them as such.close your account,and go to the sticky titled DEALING WITH ILLEGAL LENDERS at the top of this forum.again you have overpaid on all loans,and must close your account,or they will debit forever.you not only do not owe these,but they owe you a refund.to address your last point.no they cannot legally report on your credit.some will,but a simple dispute stating the loan is illegal will get it removed.


lrhall41

Submitted by paulmergel on Wed, 06/30/2010 - 06:34

( Posts: 15514 | Credits: )


I also have a pdl with Ameriloan. Called 1-800-536-8918 Ext. 2026 and talked to Tina.
Was very polite and helpful. Made payment of $100. and on the 16th of July I will pay
$90. and will have this paid off. Thank goodness
Learned my lesson though no more payday loans.


lrhall41

Submitted by on Thu, 07/01/2010 - 07:10

( Posts: | Credits: )


Quote:

Originally Posted by Anonymous
I also have a pdl with Ameriloan. Called 1-800-536-8918 Ext. 2026 and talked to Tina.
Was very polite and helpful. Made payment of $100. and on the 16th of July I will pay
$90. and will have this paid off. Thank goodness
Learned my lesson though no more payday loans.


glad things worked out for you.you are one-in-a-milliion they actually worked with.also glad you learned as well.no more pdl's.:cool::D


lrhall41

Submitted by paulmergel on Thu, 07/01/2010 - 08:56

( Posts: 15514 | Credits: )


Mixed up, I also have a loan with ameriloan. Had u defaulted? How much did u owe and how much did u pay back? I cant believe they were polite and helpful! What did u say to them?Quote:

Originally Posted by Anonymous
I also have a pdl with Ameriloan. Called 1-800-536-8918 Ext. 2026 and talked to Tina.
Was very polite and helpful. Made payment of $100. and on the 16th of July I will pay
$90. and will have this paid off. Thank goodness
Learned my lesson though no more payday loans.


lrhall41

Submitted by ballplayersmom on Thu, 07/01/2010 - 17:18

( Posts: 365 | Credits: )


hey guys my comp went down and couldnt reply to anything. I closed my bank accounts sent my letters 07/06/2010. its weird that only 2 companys have actually responded i thought for sure after they found out my bank account was closed they would harrash the crap outta me. Mynextdaycash aka MBM made a nice settlement with me. Cashexpress.com aka loan government emp, replied the day they got my letter saying they wanted to resolve this promply but only if i didnt report them to my state Attorney General. I did report them so replied saying i already reported them but would like to settle this promply i havent heard a peep from them. Ameriloan and Unitedcashloans wont reply to me at all. I hope this isnt the calm before the storm. Or is it possible they know they are illegel and just washign there hands with me????


lrhall41

Submitted by liz louden on Wed, 07/21/2010 - 08:54

( Posts: 15 | Credits: )


Quote:

Originally Posted by liz louden
hey guys my comp went down and couldnt reply to anything. I closed my bank accounts sent my letters 07/06/2010. its weird that only 2 companys have actually responded i thought for sure after they found out my bank account was closed they would harrash the crap outta me. Mynextdaycash aka MBM made a nice settlement with me. Cashexpress.com aka loan government emp, replied the day they got my letter saying they wanted to resolve this promply but only if i didnt report them to my state Attorney General. I did report them so replied saying i already reported them but would like to settle this promply i havent heard a peep from them. Ameriloan and Unitedcashloans wont reply to me at all. I hope this isnt the calm before the storm. Or is it possible they know they are illegel and just washign there hands with me????


just an fyi,you stated you borrowed 400.00,but paid almost that in fees.then try to remember what was debited as again no pdl is legal therefore anything in fees goes towards the loan.i like it that MBM is going to work with you,but make sure you only pay the 300.00 borrowed.as for the last two.they are getting ready to deluge you with illegal threats.they are part of MTE,and absolutely the worst.never fear though most of us have dealt with more than one d/b/a of theirs,and we can help you with how to handle them.please continue to update us.


lrhall41

Submitted by paulmergel on Wed, 07/21/2010 - 12:58

( Posts: 15514 | Credits: )


Thats crazy! You already paid them what you borrowed and I wouldnt pay them anymore. Did they send you a settlement offer via email or did they call you? I feel your pain Liz, I am also in NJ and everyday feel like I am going to have a stroke over these PDl's. I started with about 13 PDL's 2 months ago and have gotten 2 PIF and refunds from Kenwood Services and Upfront Pay day. However I am now dealing with companis like Ameriloan, Loan Point, Ten Dollar and am not having any luck getting PIF. I would tell Ameriloan NO!


lrhall41

Submitted by ballplayersmom on Tue, 07/27/2010 - 07:14

( Posts: 365 | Credits: )


Quote:

Originally Posted by liz louden
Ameriloan wants to settle for 390.00. It doesnt even make any sense my balance was 195.00 before i closed my bank account and now they want 390.00 thats more than what i owed.


are they for real?you borrowed 400.00 and they debited almost 700.00.that means you owe nothing.ameriloan is illegal and they owe you.tell them to pi$$ on a spark plug.


lrhall41

Submitted by paulmergel on Tue, 07/27/2010 - 07:20

( Posts: 15514 | Credits: )


So i called them back and spoke to someone else. They said 100.00 and its paid in full. I dont want to give them any more $ but just want to be PIF and done. Now unitedcashloans wont even talk to me. Anyone have any info on Intergrity advance aka Iadvancecash.com. My original loan was 500 I have paid them close to 1000.00. anyone have info on this company. who to speak to etc.


lrhall41

Submitted by liz louden on Tue, 07/27/2010 - 09:00

( Posts: 15 | Credits: )


nationwidecash is THE WORST!!! this guy is telling me he can see i have multiple bank accounts with large amounts of money in them. this is so far from the truth it makes me sick. if i had all this money in bank accounts why would i need a pdl. i share the same name with my mother so i pray hes not looking at her accounts. i wanted to tell him go ahead try and debit money from those so called accounts i have and see what happens. I really hate this nationwidecash theywanted 300 i said no way, then he said a good faith payment of 50 and then 250 which still equals 300. I got them down to 200 i still think i owe them nothing what should i do.


lrhall41

Submitted by liz louden on Wed, 07/28/2010 - 07:14

( Posts: 15 | Credits: )


Quote:

Originally Posted by liz louden
nationwidecash is THE WORST!!! this guy is telling me he can see i have multiple bank accounts with large amounts of money in them. this is so far from the truth it makes me sick. if i had all this money in bank accounts why would i need a pdl. i share the same name with my mother so i pray hes not looking at her accounts. i wanted to tell him go ahead try and debit money from those so called accounts i have and see what happens. I really hate this nationwidecash theywanted 300 i said no way, then he said a good faith payment of 50 and then 250 which still equals 300. I got them down to 200 i still think i owe them nothing what should i do.

You have paid them $1200.00 for a $400.00 loan, you owe them NOTHING! They OWE YOU $800.00!


lrhall41

Submitted by Shazzers on Wed, 07/28/2010 - 07:17

( Posts: 17344 | Credits: )


All pdl's are illegal in NJ its prohibited so unless they r licensed in NJ they cant lend to you. So I would say they r illegal and you mentioned you already paid them close to 2000 on a small amount. Also from all the posts I have read if they report on your credit it can easily be disputed. Are they harrasing you?


lrhall41

Submitted by ballplayersmom on Fri, 07/30/2010 - 16:52

( Posts: 365 | Credits: )


Quote:

Originally Posted by liz louden
unitedcashloans wants me to pay them 390.00. can they report to your credit? the reason they say they are "legal" is b/c the operate out of oklahoma. i'm not paying them 390 they must be crazy. what happens if i just dont pay them? im really getting nervous about this one.

I really doubt they will follow through with their threats, and even if they do you can easily have that negative remark removed by filing a dispute and including your payday loan laws.


lrhall41

Submitted by Shazzers on Sat, 07/31/2010 - 06:47

( Posts: 17344 | Credits: )


Thanks guys. i've decided that none of these companies are getting another dime from me and if they wanted the money they can take me to court. I'm sure a judge will side with me that i have paid them plently. Thanks so much guys you really helped me get through this. One more question, my bank account is closed if i open another one what is stopping them from finding my new account and stealing my money.


lrhall41

Submitted by liz louden on Mon, 08/02/2010 - 13:04

( Posts: 15 | Credits: )


Quote:

Originally Posted by liz louden
Thanks guys. i've decided that none of these companies are getting another dime from me and if they wanted the money they can take me to court. I'm sure a judge will side with me that i have paid them plently. Thanks so much guys you really helped me get through this. One more question, my bank account is closed if i open another one what is stopping them from finding my new account and stealing my money.

They won't, unless you apply for another online payday loan, that is the only way they can obtain your new account information, make sure you go to a different bank. Good luck!


lrhall41

Submitted by Shazzers on Mon, 08/02/2010 - 15:02

( Posts: 17344 | Credits: )


just as i thought i was done. Who is spot on loans??? I have a feeling its unitedcashloans b/c they just called my work and i flipped out that they cannot call my buisness. And then they just sent me an emial telling me my account is paid in full and im approved for a new loan im not that stupid to fall for that trick. Thanks for the paid in full letter you dumb*ss.


lrhall41

Submitted by liz louden on Tue, 08/10/2010 - 08:14

( Posts: 15 | Credits: )