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Relief, LLC

Date: Sat, 07/17/2010 - 14:38

Submitted by Dory N
on Sat, 07/17/2010 - 14:38

Posts: 8 Credits: [Donate]

Total Replies: 5


I am working with a PDL Restructuring Company called Relief, LLC.
Since I paid them and gave them all my details I discovered, through this forum, that PDL's are prohibited in NJ. My account rep hasn't mentioned this to me, yet. When I emailed and asked if they were aware of this they said yes, they did and my negotiator takes that into account when structuring my payments.

My question is- shouldn't they also know that if I have internet loans which are prohibited in NJ, I should only be responsible to pay the principal and not the ridiculous fees? Including the fees, I have over paid, and in a couple of cases, double paid, several of these loans.

Does anyone think I should bring this up to my "negotiator"? And if my "negotiator" doesn't try to get these particular accounts to issue PIF documents, would it be ok for me to do it myself?

Another puzzling issue is that, even though I closed my bank account two weeks ago, all of my loan companies (7) debited my closed account and think they have collected fees or payoffs. I checked with my bank and the account is closed. So, I dunno...what?

Thanks to anyone who reads and knows and shares...
Dory:p


Quote:

Originally Posted by Shazzers
I wouldn't use a debt company, especially since payday loans are prohibited in your state. why should you need to tell them anything if you are paying them to do a job?


I know this now. But I was stupid and they were promising. So should I go ahead and do this work myself in spite of the fact that I have a representative company who is apparently intent upon getting money out of me that I don't, in reality, owe?

Yes, I realize now that my PDL restructing company is another predatory animal feeding on the "working poor". I just don't know what I can or should be doing about it. I have one loan with FBD that is a bank loan and not a PDL (which i didn't know the difference from at the time) They has discovered that their debit didn't go through and now have sent me an email stating my account is seriously past due (3 days) and are going to take "action". My eyes are crossed! I'm dizzy. I don't know how to deal!!!
Help!


lrhall41

Submitted by Dory N on Sun, 07/18/2010 - 05:46

( Posts: 8 | Credits: )


Quote:

Originally Posted by Dory N
I know this now. But I was stupid and they were promising. So should I go ahead and do this work myself in spite of the fact that I have a representative company who is apparently intent upon getting money out of me that I don't, in reality, owe?

Yes, I realize now that my PDL restructing company is another predatory animal feeding on the "working poor". I just don't know what I can or should be doing about it. I have one loan with FBD that is a bank loan and not a PDL (which i didn't know the difference from at the time) They has discovered that their debit didn't go through and now have sent me an email stating my account is seriously past due (3 days) and are going to take "action". My eyes are crossed! I'm dizzy. I don't know how to deal!!!
Help!

I'm sorry Dory, I wasn't aware of this, I was under the impression that you were dealing with these lenders on your own. Is there any way you can get out of their contract? Perhaps you can re-read the contract to see what you might have to forfeit. Or, stay with them and guide them through the process, I would make it known to them that you are not going to pay any of these lenders (except FBD) anymore than they are entitled to, and that would be the principal amount owed less any payments you have already made.


lrhall41

Submitted by Shazzers on Sun, 07/18/2010 - 05:54

( Posts: 17344 | Credits: )


Quote:

Originally Posted by Shazzers
I'm sorry Dory, I wasn't aware of this, I was under the impression that you were dealing with these lenders on your own. Is there any way you can get out of their contract? Perhaps you can re-read the contract to see what you might have to forfeit. Or, stay with them and guide them through the process, I would make it known to them that you are not going to pay any of these lenders (except FBD) anymore than they are entitled to, and that would be the principal amount owed less any payments you have already made.



Thanks, Shazzers. That's what I wanted to affirm. I will guide these people through so they do this thing my way, not theirs. I'm not against fair enterprise, they deserve to make money. That's why they are in business but it doesn't have to come from me!

Thanks again. Your opinion and advice has been invaluable to so many people on this forum. You deserve cookies. If you're ever in my neighborhood, drop by and I'll make them for you!!


lrhall41

Submitted by Dory N on Sun, 07/18/2010 - 09:18

( Posts: 8 | Credits: )


Quote:

Originally Posted by Dory N
Thanks, Shazzers. That's what I wanted to affirm. I will guide these people through so they do this thing my way, not theirs. I'm not against fair enterprise, they deserve to make money. That's why they are in business but it doesn't have to come from me!

Thanks again. Your opinion and advice has been invaluable to so many people on this forum. You deserve cookies. If you're ever in my neighborhood, drop by and I'll make them for you!!

Oh goody cookies, peanut butter chocolate chip please!


lrhall41

Submitted by Shazzers on Sun, 07/18/2010 - 10:18

( Posts: 17344 | Credits: )