Question on overpayment

Can you talk to your bank and make your account a 'deposit-only' only? Will that offend your husband? It will be better if you talk to your husband about the loans and then close your account. Otherwise, these illegal PDLs will empty your account.

Check out the link to know how to deal with these illegal lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

So don't send the letters? Telling my husband is not an option, his health isn't good right now and this will most likely stress him way too much. The bank is not a cooperative bank as I have already tried the deposit only and the manager says it can't be done :( any other options?

You can send the letters to the companies but I don't think it will help much. These companies will hit your account on your next payday and take out their money.

You can ask the bank to revoke the individuals companies abilites to block your account. Secure your account before sending any sort of letter that may inflame the lender while they still have access to your funds. Who do you bank with that is this uncooperative?

I am in a similar situation in that I have not told my husband about the payday loans and therefore could not close my bank account. I sent letters to all of my lenders revoking the ACH authorizations and requesting my accounts be paid in full. The first pay day after none attempted to debit my account and I have recived verbal confimration from one company that my account has been closed and marked as paid. I haven't gotten that in writing yet - but? My point is this, I know securing your bank account by closing it is probably the only way to 100% ensure that no shenanegans occur but it may not be practical in all cases. I did not close my account and so far nothing bad has happened. My lenders are not the same as yours so I may have just been lucky so far and I don't want to give you false hope. I do believe, however, if you revoke you ACH authorizations and the companies go through with the debits you can file a fraud complaint with your bank and have the charges reversed. I have no experience with this either so I don't know if it works, but it is an option. You have to break the cycle, though. Believe me, you panic when you first send out the letters but the first Friday I check my bank account and saw no debits fro PDLs I was thrilled.

I don't care if they withdawn the payment amount - well I care but I just don't want them to automatically withdrawl ALL of the money - does that make sense? I'm gonna send the letters via e-mail and see what happens - oh and I bank with M&T. I had an account with HSBC but loanpoint usa wouldn't stop debiting it and it got WAY overdrawn, I opened one at citizens bank and they found that one and overdrew that one so I have 2 checksys marks. I have since paid both but for some reason they can't find this one maybe because my husbands name is first?

OK I emailed the letters wish me luck!!! And why can I not access paydaymax? Their website has been down for days - anyone?

Yeah...don't know whether they have closed down, lol!!!!Best of luck. Keep us posted about the proceedings.

Well ameriloan has locked me out of my account and the other unitedcashloans and ezpaydaycash have not, :)

Unitedcash loans must be the same as ameriloan because they have locked me out and I get the same message to contact compliancedepartment @ blah blah blah lol - my payment is due the 15th lets see what happens

Once you have sent your letter to paydaymax you will be locked out of your account online.....have you done that? It happened to me within minutes of my sending them the letter!

I didn't close my bank account....but have been lucky so far that nobody has tried anything crazy.

Good luck!

My paydaymax account is paid - I did send a letter requesting a refund but have heard nothing and they no longer have a contact me email on their website so I don't know if the eamil address I used is correct. I am patiently waiting though because tomorrow is a payment due for unitedcashloans and I am curious if they will debit or not