What to do now...

Date: Wed, 01/11/2012 - 20:30

Submitted by new_england
on Wed, 01/11/2012 - 20:30

Posts: 23 Credits: [Donate]

Total Replies: 3

Well, I still have 5 online pdl out that just found out last friday cant pull anymore money from my account. I have been getting calls at work and they are getting annoyed.. I really need them to stop calling my work.. What is the best way to get them to stop calling my work? If they call me, or I call them to try and settle with them, should it be for the principal ammount only? I know all my PDL are illegal in my State.. What if they don't agree to that? Is it safe to talk to the collection companies...? What should I tell them? Should I try and set up a payment arrangement? Just need advice on what to do now.. So confused... And I need them to stop calling my work.

Have you revoked ACH and wage assignment authorization? How muc

Have you revoked ACH and wage assignment authorization? How much did you borrow from each lender? How much did you pay before closing your account?

We need more info to help you.

Please list each lender, the amount you borrowed from each and the amount debited from your account by each before the account was closed.

lrhall41

Submitted by OhioGal1 on Thu, 01/12/2012 - 07:35

( Posts: 5253 | Credits: )

Hey, I have loans out with loanshoponline for 200 have not paid

Hey, I have loans out with loanshoponline for 200 have not paid back anything, mycashnow for 420, have not paid back anything, ameriloan for 200 have paid back one finance charge of 60. SSM group deposited 200 without me even signing anything have paid them one payment of 30 and another for 60. 123 wages for 200 have paid back nothing. I have sent Emails to most of them but have not heard back from anyone yet.. Ive had 2 debt collectors calling my work and its really bothering me! I have not revoked the wage assignment or ACH, but I did close my bank account assiciated with those loans and opened a new one, that is why they are starting to harass me at work and my cell phone. I filed complaints online with the AG last night for mycashnow and onlineloan shop cause I believe those are the 2 collectors that are calling my work. I just wanna know the what to say when these collectors call.. should I try and work something out over the phone for the principal ammount only? Or just keep ignoring them and hope they fade away..?

lrhall41

Submitted by new_england on Thu, 01/12/2012 - 09:11

( Posts: 23 | Credits: )

You owe LoanShopOnline $200 You owe MyCashNow $420 You owe Ame

You owe LoanShopOnline $200
You owe MyCashNow $420
You owe Ameriloan $140
You owe SSM $110
You owe 123Wages $200

What did you say in the emails you sent them? Did you tell them they're illegal but you're willing to repay the principal balance of the loan? Did you revoke ACH authorization? Did you revoke wage assignment authorization? Did you close your checking account?

Yes, you should set up a payment arrangement with them. Do NOT give them any account info for payment. Pay them with a prepaid debit card. Pay them amounts that are convenient for you at times that are convenient to you.

No, don't just hope they'll go away.

You can't really make them stop calling, but if you ignore the calls and stick with email communication, they usually stop calling.

Did you file complaints with your Attorney General's office, the FTC and your state's banking/financial department?

lrhall41

Submitted by OhioGal1 on Thu, 01/12/2012 - 10:13

( Posts: 5253 | Credits: )