Payday loan help in NC!

All PDL's are illegal in NC. You owe the principal balance only. No fees, no interest.

You need to close your bank account ASAP. Revoke your voluntary wage assignment...sounds like you already took care of of the ACH rights. Stay off the phone, only communicate via email. They will probably try handing you a pile of BS about the legality of the loan...ignore it.

Thanks for your quick response. I had no idea these type of things were illegal in NC. About closing my account, we have 2 different direct deposits including a SSI disability check going into the account so I really do not want to close it if I don't have too. I cannot find an address on their website to send a ACH revoke notice too, any advice? Can I send it through email? That is the only thing I have besides a phone number that they hardly answer.

Voluntary wage assignment? I have not heard of that.

As far as I know, you can send them a e-mail in order to revoke the ACH. However, if you want their contact details, then you can even contact them and get their address. However, whether or not they will let you know the address will be their discretion.

A wage assignment can be defined as a voluntary agreement by the assignor to have a portion of the employee's wages assigned to a third party. The assignment gives the creditor an opportunity to recover the entire unpaid debt amount if the employee fails to repay the debt.

If you don't intend to close the account, then why don't you talk with the bank branch manager to put a hard debit check into your account.

The address is not there in their official website. Most illegal payday loan lenders don't display their address in their website. So, send the ACH revoke notice via email.

FYI....THERE IS NO SUCH THING AS A HARD DEBIT CHECK....IT IS NOT A BANKING TERM!!!!!!

THERE IS NO SUCH THING AS A HARD DEBIT CHECK...OR BLOCK FOR THIS MATTER!!! PLEASE STOP USING THESE RIDICULOUS TERMS!!! If you are going to give out advise, please make sure that the advise you give is factual, not copied.

These are not banking terms...if you google them, only credit board type places use them. Banks do not. You want to put the account on a deposit only status or do an ACH revocation.

Hi Soaplady,

Actually, I was going through the Forums. I came across about the term 'hard debit block' here only.

http://www.debtconsolidationcare.com...debitstop.html

Here, a community expert 'Paulmergel' has referred to it. Since, he is a community expert, so I didn't doubt it. Quite confusing!!!

That was 2.5 years ago! Think he has learned since then that the correct term is ACH revocation.

I have worked in banks in both the US and Canada, most recently at Wells Fargo up until 6 month ago. Hard debit anything is not banking vocabulary. My point here is that parrot posters keep posting bad information simply by cut and pasting. They do NO research and have no understanding of US rules and regs.

Even Shazzers said the same thing.

http://www.debtconsolidationcare.com/settlement/thread89623.html

Anyway, thanks :p!!!

giselle.your examples are really old,and btw soaps is right.i not only retracted that advice,but i haven't advised that since.also shazzers hasn't been on here on about a year so another outdated post to justify the stupidity.please give it a rest will you?you are wrong as i was 2.5 years ago.at least i admit it and learn from it.unlike you.the OP should ignore you at all costs,and do as soaplady advises.

And you used the term "hard debit check" anyway. So your examples are moot. If you did go into your bank and ask for a "hard debit BLOCK" they would at least be able to figure out what you needed, especially if you explained the situation. If you asked for a "hard debit check," however, they wouldn't have a clue as to what you needed.

Nice try though. :rolleyes:

Don't know if you're still needing info on garnishments in NC, but here ya go.

"Under North Carolina law, an employer may be ordered to withhold wages from an employee and pay them to a creditor for the following types of debts: taxes, student loans, child support, alimony, and payment of ambulance services in certain North Carolina counties. However, the courts of North Carolina are not permitted to order an employer to withhold wages for other types of debts such as car loans, credit card debt, and other personal debt items. While the North Carolina courts are not permitted to garnish wages based on these debts, creditors in other states may be able to get an order of garnishment under their own states??? laws. It is not a violation of the North Carolina Wage and Hour Act for an employer to withhold an employee???s wages if required to do so by law. If a court from another state issues a valid order under that state???s laws requiring an employer to withhold a North Carolina employee???s wages for payment of a debt, the employer does not violate the North Carolina Wage and Hour Act by obeying that order."

http://www.nclabor.com/wh/fact%20sheets/garnishments.htm

I live in NC and am going thru hell with a PDL, so we're in the same boat in that regard.