mia'smom

Hi!
Welcome to the Forums!

Payday loan lending is illegal in New York. So, you'll only be required to pay principal amount to the aforementioned companies. You don't have to pay the interests or fees.

I'm wondering if anyone has dealt with any of the above companies in the mia'smom post and what I might expect when I don't make the scheduled payments next week.

I apologize for not posting correctly but I am still learning how to navigate!

since you have waaaaaay overpaid on everyone but one,and you only owe 280.00 on that one.go to the sticky titled DEALING WITH ILLEGAL LENDERS at the top of this very forum.it has everything you need from template letters to complaint forms.you must follow it and not skip steps,the first will be to close,or secure your account.by that i mean a hard debit block not a stop payment.see the manager for this.btw i have dealt with a couple of these and they are stupid and rude.once they know they can't access your account they will threaten everything,but really they can't do anything they say.just know that.go to the sticky,and follow it.you should be okay.

I "second" what PaulMergel says; but I would add, make sure you get your checking account closed or on hard-debit block status before contacting any of these outfits. That way they won't be able to jump into your account and grab your $$$. (and when you go to the bank, talk to the bank manager about what's going on)

I have actually dealt wit CCS if it is Community Credit Services Money to Advance.com they marked my account paid in full after I filed my complaint with the Better Business Bureau. I am going through a struggle with Everest Cash Advance who uses an illegal address in Delaware but is really located in Nevis. They sent he account to Total Recovery Solutions who called and violated the law so I filed a complaibt against them and I sent a debt validation letter and I haven't heard from them since. Stay calm and stay fighting mad this is how I stayed steadfast it will get frustrating because I go through it but in the end to be free of these monsters I will be so relieved and at peace!!!!!!!

http://www.debtconsolidationcare.com/forums/showthread.php?t=89893&highlight=York

Here is a thread here chronicalling(sp?) my battle with getting out of PDL debt. It might be helpful, as I am in New York. If you have any questions, please don't hesitate to ask. I owe everything I learned to the good people on this forum....

Mike W.
Buffalo, NY

I sent letters out on Thursday morning via email. So far I have only received an email from CCS stating my account was settled and that I will be issued a refund in the amount of $1100 within the next 10 business days. Guess I'm in for a fight with the rest of them since I haven't heard from them yet!

you will hear from the others.let us know how they respond as some will threaten everything,but be able to do none of it.for now just wait and enjoy the silence for now.btw 1,100.00 back congrats to you!!!!!!!!!!!!!