Help in NJ

Payday lending is prohibited in the state of New Jersey. You should contact your payday lenders and pay them only the principal amount and nothing else. They won't be able to come after you for any kind of interest charges or fees.

You can contact your bank manager and discuss your situation with him/her and I'm sure he/she will help you in closing your bank account. If your account is placed on "deposit only" status, then you can receive credits but no debits.You should speak to your bank manager regarding your specific needs and he/she will help you know which type of "block" will be best suited for you.

I once closed my bank account when a illegal pdl company was debiting money without my permission. Thankfully, the bank branch manager was extremely co-operative. I didn't face any problem.

Do not be ashamed!! Simply tell them your account was compromised and your bank advised you to close it.

emails have been sent - im so nervous now!!!

:p

just know we can advise,and reassure when they call/email.i for one have been through this as well,and can help with any threats.keep us posted please.

thanks paul i will!!

What should i say in my complaints that im going to file - is there a template for that? I just dont want to say anyhting wrong

I am from NJ too and I used the template and went and talked to my bank and the HR representative at my job! Don't be ashamed everyone may fall short at some point in their life and feel they need help and we don't know that these companies are hurting more than helping. I love this site it has empowered me and allowed me to empower my girlfriend and my sister!! There is a few templates to go by but when you file your complaints with the BBB, FTC and AG just be honest you were in a bind and fell on hard times you wer eunaware that lending in NJ was prohibited and these lenders preyed on your desperate situation. Them lending to you is fraudulent activity so stop it!!! Close your bank account! I went to my bank and explained to them what happened and I let them know I filed complaints against the illegal lenders and they put a deposit only status on my account until my job made the change and then the account was closed!

Good Luck keep us posted!

Plain green responded that I should call them. What should I respond with?

I would not call them I would re-send the email back to them when you call them they will attempt to twist you up!

Yaaay!! I got this response from Plain Green!!!

The other 2 havent responded yet :mad:


Your account information has been updated. We have revoked your ACH authorization as requested. You may log on as a returning user using the email address and password for your account.

Please contact Customer Support should you have any questions or need additional information.

recieved this response from Sigma Solutions:

Mr/Mrs/MS Jennifer Perry,
This e???mail is a reminder that your account is extremely delinquent. We have not received a payment or any attempt by you to make
arrangements. It is important that you respond to this e???mail immediately in order to avoid further action to collect on this debt. If you
have already contacted us in regards to this matter, please accept our apologies.
Thank You.
Sincerely,
Sigma Solutions
phone 1???800???620???8813
[email]help@Sigmasolutionsonline.com[/email]

you borrowed 200.00 from them.how much was debited before default?if that amount meets or exceeds the 200.00 you owe nothing.just know that.i would respond by resending your letter by email.