Credit Community Services/Fast & Reliable

most will say close your account if they are not legal. Plus you have paid more than what you should have paid

I just spoke to my bank and revoked the pre-authorized payment for Fast & Reliable. The bank said that my revocation will only be in place for six months. I know that I need to write the letters today (email, fax and send them Certified), file my complaint with both the AG and BBB and request a refund from Fast & Reliable. If what Wells Fargo says hold true, then 6 months will give me enough time to estabilsh myself another checking account. What do you think about my strategy? Also, I thought I would reverify that the hold is actually in place on Monday before I send out the cease and desist, revocation and refund letters.:confused:

I need to do some research on these lenders, then I will return with more information regarding their legality.

Community Credit Services is also known as money2advance.
They are NOT licensed to lend in Ca., they are required to be or the loan is considered illegal.

Fast & Reliable Cash Advance, LLC
They aren't licensed to lend in your state either.

An ACH block will only work temporarily because illegal lenders will change their name and debit your account, only once they learn you are aware of their legality, they will debit as much money as they can, over and over again under several different names, so as you can see, this is not a good solution. The worst part of this is, once they have your account information they will share it with other illegal lenders, so the only sure way to protect yourself would be to close that account asap! CLICK HERE to find out how to deal with illegal lenders.

Yes, I concur the bank did say that the block would only be guaranteed for 6 months. I am really only trying to buy 30-60 days of time, so that I can change my payroll check over to a new bank. So, it is your advice to close the account on Monday.

[QUOTE=Shazzers;764619]Community Credit Services is also known as money2advance.
They are NOT licensed to lend in Ca., they are required to be or the loan is considered illegal.

Fast & Reliable Cash Advance, LLC
They aren't licensed to lend in your state either.[/QUOTE]Shazzer, do you think I should send the letters out now and file complaints with both the AG and BBB for California or should I file my complaint with the BBB in Delaware - where these pdls have their offices?

Quote:

[QUOTE=surreal4me2;764574]Hello Everyone,:) - Forgot to tell you that I live in California.

I borrowed $500 from Fast & Reliable - paid back $1199, with only $200 being applied to the principle.
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First of all, I would close your account ASAP so the bank doesn't "accidentally" let something slip through. I would write a letter to Fast & Reliable (I had a loan with them too) telling them they are illegal in your state and that you want a refund for the difference between what you borrowed and what you paid.
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They sent me a refund a week after receiving my letter.

You're amazing. Now that I've closed my account. The letter will be going out tomorrow. Should I send via fax, email or certified mail, or all three. Also, would you advise me to also file reports with both BBB in California and Delaware?

I appreciate your help. Thank you so much.

I would advise you to send them the letter via email only. No need to waste money in certified mails. And, do file reports against these illegal lenders with all the relevant authorities.

Thank you!

You are welcome surreal4me2. Let us know about the proceedings.

When you fax your documents you will receive a faxed confirmation that the fax was sent but nothing more. Although it does cost to send certified mail I've found it best to send via email, fax and certified mail. Some times when you try to email a lender the email will bounce back undeliverable and that is because their email is set up to only send and not receive.

From personal experience, putting a block on your account is not fail safe! Once a lender figures out they can't withdraw out of one name they will use another and they all seem to use several names. I would close your account, as that is the only way to stop them.

I took everyone's advice and closed my account! Does anyone know if there is a thread here that provides the business addresses for the payday lenders?

I am preparing letters now and will send them by way of email, fax and certified mail return receipt. I am also simultaneously lodging formal complaints with the AG in Delaware and California, as well as with the BBB by using their online forms or should I call? Oh, I am asking for a refund from Fast & Reliable and CCS aka Money2Advance. Guys, I looked at my past statements determined that I've paid more than $2300 in interest for 2 PDLs. I am asking for both a PIF and a Refund. Regarding Extrafunds, I simply want to pay back the balance of the original principal of $120.

Everybody, Thank YOU so much for your suggestions and support.

Peace and Blessing.

I received an email yesterday from CCS saying that you have defaulted on your loan, please contact us to work out arrangements. I promptly sent them another copy of the original letter I emailed to them.

Any thoughts?

Call them. I recently did the same with CCS. I sent them email and fax daily for 5 days with no response. I filed a complaint with their state BBB and sent that to them as well. Once I called, they closed my account, PIF and a partial refund.

CCS has not responded other than with you "loan payment is in default", please contact us so that we can assist you with payment your delinquent loan. How long did it take for you to hear from them with a response re your request for Refund?

Okay; I will start faxing and emailing again tomorrow. I have already received confirmation from the BBB that they are waiting for them to respond to their initial correspondence.

Thank you.

be very careful. I had an account being compromised, and so I closed it and now two payday companies are swearing out warrants for me becuase they said I perpetrated a fraud by closing the account out and they are treating these payments as a check being returned account closed. This is a mess. I had to travel out west to get to my daughters wedding, I was desparate and now I have dug a big black hole and can't get out and could end up going to jail.

no,you won't go to jail as both parties are illegal and they can't count an ACH debit consent as a check.the threat of jail is and old favorite of illegal pdl's,and collectors of them.do not worry treat every threat as illegal and groundless.btw congrats on your daughter's nuptuals.