Mess in florida

Most of your payday lenders are NOT legal, I need to research them to be certain though. Don't make payment arrangements with your illegal lenders, we will discuss that as soon as I return. :)

None of your lenders are licensed to lend as a payday lender, nor are they a Credit Service Organization, so, they aren't legal. First, close your account, then offer to pay them through the mail with money orders, then, ask for a valid address where to send payments, and last, only pay what you borrowed, none are entitled to fees or interest because they do not have the proper licensing.

Who did you make payment arrangements with? [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders.

You REALLY REALLY should close that account, it will never be safe again. Never.

Thank you so much. I am with Greenpath debt solution and they are going to try to get this paid off at $10 a month. I know some of these I have already paid the principal back. I may contact a lawyer. It seems like alot of work. But I am probable due thousands since I have take many loans and paid in full until this point.

I would ditch the debt solution company, illegal lenders do not negotiate, so basically, you will be paying for a dead horse.

I had payday loans with Eastside, US Fast Cash, One Click Cash and others. You don't need a debt consolidation company to handle this. I sent them certified letters and also via fax, revoking ACH authorization - but FIRST I closed my checking account. In my letter I offered to repay only what I had borrowed since they were illegal. I was very successful and actually received a refund from one of them.

If you've already paid back the principal, then you owe them no more. You would state that in your letter. If you would like sample letter I sent to Eastside or US Fast Cash, PM me and I'll provide it.

We can guide you to getting out of this payday loan mess sooner than a consolidation company that has offered to help you pay illegal loans.

PLEASE LISTEN TO THE ADVISE BEING GIVEN TO YOU .... IT IS YOUR ONLY WAY OUT.
I have followed the advise of the experts on here and it lead me out of PDL hell, honestly. One of my loans was with Eastside Lender who I over paid by $950, last week I got a ful refund for $950 by following the advise. I took control of the situation and was the agressor with them, IF YOU HAVE PAID BACK THE PRINCIPLE TO AN ILLEAGE LENDER YOU DO NOT OWE THEM ANY MORE MONEY. iN FACT YOU SHOULD FIGHT FOR A REFUND. HERE'S WHAT I DID.....I HOPE IT HELPS.

The only letter I used was the Authorization Revocation template that Shazzers has posted. I put all the detail of all my payments to them on there. I must have email that letter over 50 times to them, I would flood their mailbox every single day. I also filed complaints with the BBB of MO and Delaware. The MO Attorney General Office, The FTC, The Commissioner of Banking of Delaware. I sent them copies of the confirmation screens on the agencies websites after filing the complaints. I also found on the internet several articles where Eastside was involved in class action law suits and had to pay out millions. I sent copies of those.
I really believe the key is this....1. You have to file the complaints, not just threaten to do it because until they get a letter from the office you filed it with they dont really take it serious. Also, when the BBB gets their first response it will be the typical response that they did nothing illegal. You then HAVE TO DECLINE THE RESPONSE on the BBB website. 2. You have to keep sending emails to them, repeatedly everyday and include any communication you are getting from the offices you filed with.
I hope this helps. I will be more than happy to send you a copy of the letters and some emails I sent if you want to give me your email address. GOOD LUCK!!! :-)

Where do I find the ACH revocation letter? I have to get them ready tonight to email My credit union said I must notify the creditors prior ro closing the account. So I am going to send the notices early tommorow morning and then she will close my account first thing in the morning. Some of the lenders came back for a second time did not get any $$ from my account she reversed the NSF charges because they tried so many different amounts she said it was phishing.

Thanks so much I appreciate the help. Is there a way to send my email address without posting it?

Will these people call my references? I have answered there phone calls one hung up on me when I said they were not legal in Florida. They said they were legal enough to give me my money.

Question if I have borrowed from the lender several times and paid back can I count those interest payments towards this loan that I did not pay and just took out?

Quote:

Thanks! I have prepared the ACH Revocation Letters and am going to email later tonight. My credit union is going to close the account first thing in the am.

I spoke with the debt mgmt co and they said I can still try to get the refunds and pay only the debt even if I am in the program. I don;t have to pay any fees for the program my credit union pays. I have plenty of other debts so I think this will help. Hopefully I can get some refunds. I have to figure out all the loans I got from these people. Any ideas on how to do that?

Go through your email inbox, look through your bank statements.

I am reporting that I sent all of the ACH revocation letters last night. My account was closed this morning. I am opening anew account in the am. I sent out letters stating that they are illegal lenders in Florida and how much I had in loans and how much paid. I asked for paid in full and a refund. I spoke to some lenders over the phone one hung up on me when I told them this, one said send an email to customer service and one when I mentioned BBC,FTC and AG's office she said I can't speak with you I will forward your account to the compliance department! Maybe there is some hope. Some have said they forwarded me to collections. We will see but noone has been to rude except for the one person who hung up on me! It feels good to have done something. It would be wonderful to get some $$ back but I am sure it will be along battle!

You have to be persistent! Don't talk with them on the phone anymore, it will force them to contact you via email. Also, make darn sure you follow through on all those complaints! I will be doing the happy dance if you get refunds! Keep us posted!

Good For You!! And I fully agree....stay persistant in be the aggressor with them. I never to one phone call from them nor did I contact them by phone, does absolutely no good!! Keep up on your follow up with the complaints too!! Good Luck!

Thanks so much. Who do I file the compliants with? DO I just follow the links BBB, FTC and then the Florida AG office? Should I send them copies of what I filed?

YES...you have to file the complaints with all of those offices, not just threaten them with it. They will only react when and IF they get contacted by those agencies....not by you. The BBB of your state and DE for Eastside Lenders, the FTC and the AG of your state. Each of these sites will show you a confirmation page after you file.........Make a screen print and email that the EL so they know you did it. When the agencies reply to you....forward that to them too. You are being the Agressor showing them that you are not just TALK but you are ACTION and will not stop until you get your refund.

two responses to my letter. One sent settlement amount of 50% of what I owe. I just responsed by saying I was reporting them to the FTC< BBB and AG's office in my state.

The other said they would look into it and get back to me in 7-10 days a canned response letter.

500Fastcash calls once a day and leaves a message.

But the others have sent canned emails and the one's I spoke with have not called again. But I am sure they will.

Thanks for listening