My PDL Journey

You're on the right track. LSO is actually pretty quick to respond. I received a refund from them of about half of what I overpaid. Both of your LSO loans were overpaid and you should request a full refund of the overpayment (anything above the principal amount borrowed). UCL, you owe $120. ACS, you owe $210 and USFC you owe $300. Definitely go to your bank and secure the account either via the hard debit block or by having them change your account number or close and reopen an account. Make sure that the old and new accounts are in no way linked. After the account is secure, send your illegal letter lenders and make sure to include language stating you are revoking ACH authorization and any wage assignments. Give a copy of this letter to both your bank/CU and your HR department. If you stay in contact with them, there is no reason for them to contact your references. Some will, just to be a-holes but, I would let those people know that you have been a victim of fraud and that, if they receive a call, they should answer once, tell them that they are aware this is fraud and then never pick up the phone again when called by these people.

I hope this is helpful. Good luck to you and please keep us posted on your progress.

Thanks for the reply...

If a PDL says they are illegal in the state they claim to be in and in my state, can I report them to both state's AG?

I found the list for Delaware... I do not see USfast Cash, LSO or United Cash

Thanks! :-)

Yes, reporting them to both agencies is a good idea. Also, if they're illegal in your state but legal elsewhere, I like to report them to their state's AG and their state's BBB as well. The more negative feedback they get, the less likely they are to stay in business. And their state's AG will compile those complaints and revoke their license if they continue to operate illegally by loaning in other states illegally.

Does Magnum Cash advance have different address, I have an address for wilmington and they sent me an email from National something about my payment. I tried to go their website and check to see what I owe, and can't get into my account. Now that I have been reading these forums I have never signed anything with Magnum, and they never disclosed their APR, interest rates. I have had loans with them before and all you do is tell how much, and away it goes into your account. I saw that on another post about them being in the British Virgin Isle's?

Magnum Cash Advance is also International Cash Advance. I would simply contact them via email rather than bothering to mail anything to them. What state are you in?

I have gone to my bank and opened a new checking account. I am waiting for a new debit card. Once I receive that and everything has cleared I will send the letters.

Once more question...with them know all my personal info...do I need to do anything to protect my credit. Do they ever try to get even with opening things?

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Thanks :-)

I do not plan to get anymore PDLs...I was just wondering if they ever use your information to steal your identity...

Also is there anything that I should print from my PDL accounts before they block me??

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I would take screen shots of all the information on your accounts.

I didn't take offense from what you said :-) I understand from reading this forum that PDL's share info.



I appreciate your information and guidance. Thank you for taking your time from your family to help me out! :-)

Update:

Closed my account....a week later a sent "the letter" to my PDLs....now waiting for the phone calls...4 days later, all is quiet....

I guess the quiet before the storm....

Enjoy the quiet while you can! lol

UPDATE :

I got a refund!!!!!!!!! woohoo.... I over paid LSO complained to the BBB and got all of what I overpaid....

Luckly I just closed my checking account and kept the same bank so when the deposit came in....yeah!!!!!!

Way to go! Keep it up....these illegal lenders must be stopped.

Ace is calling (left a message) to say they are putting points against my social security number.....LMAO

No one wants to respond via email to me.....I'm not taking any calls...

btw wtf are they talking about?there is no such term.you can have points put on your DL but that is for parking tickets,moving violations,DUI'S.not an illegal pdl.ignore them knowing everything they say will be a lie.