EastSide Lendrs payday loan

I do have a loan taken out with ESL. I am going to include a few emails, which include my balance, how much I owe, and what arrangements I have gotten setup. I have recently found out the requirements for SC, my state, and have tried to get my account zeroed out, but they will not do that. After one of my latest emails, I called in to try to see what was happening. She said they had removed my arrangements, and I would have to repay as normal unless I want to go ahead and get that setup. I did ask her what would happen if I just close my bank account to which she said they would send my account to a third party collection agency. I do have to reply to let her know if I want this arrangment setup within 30 minutes though. Can I please be advised of what to do hear. Conversation is below.


I have deleted the arrangements you set,, I have no control if the system debits your account. Thank you, Sherry

-----Original Message-----
From: Adam Goode [mailto:a-goode@live.com]
Sent: Friday, February 10, 2012 6:12 PM
To: Sherry W.
Subject: RE: loan

I do appreciate the help that has been provided, but after further research, I have decided to complain to the Deleware BBB. I have had time to think about this arrangement that we made. Since you would have, with the settlement, make more then double, I must also file a complaint with the FTC and my attorney general of SC, Alan Wilson. I have already submitted my complaint to the DE BBB, and would not take further action if I can get a written response that, without paying the $350, that my account is paid in full. I would also appreciate a refund of what has been overpaid, as I have found out that EastSide Lenders is not licensed in my state of South Carolina, thus only holding me liable for the principal.


________________________________

From: [email]sherry@centrinex.com[/email]
To: [email]a-goode@live.com[/email]
Date: Tue, 7 Feb 2012 13:16:02 -0600
Subject: FW: loan







Dear Valued Customer,



Thank you for your time today. Below are the arrangements we set up on your account. Have a wonderful day.

1 ach at 350.00 on 02/17 to pif

Thank you,

Sherry

Eastside Lenders 800-689-5603

Hours-7 am to 3:30pm cst

Operating hours- 7:00am to 9:00pm cst

From: Adam Goode [mailto:a-goode@live.com]
Sent: Tuesday, February 07, 2012 1:01 PM
To: Sherry W.
Subject: RE: loan

May i get you to set the full 350 up for 2/17... and i will email you for a paid in full statement... thanks

________________________________

From: [email]sherry@centrinex.com[/email]
To: [email]a-goode@live.com[/email]
Date: Tue, 7 Feb 2012 09:23:13 -0600
Subject: FW: loan

You can use the 02/17 and 03/02 due date--- 3 days after the 03/02 payment, if you want to e-mail ,,, I can e-mail you a paid in full statement.. Let me know. Thank you, Sherry

From: Adam Goode [mailto:a-goode@live.com]
Sent: Tuesday, February 07, 2012 9:17 AM
To: Sherry W.
Subject: RE: loan

I do have one other question though. If I were to pay this amount, which I would be greatful to settle, how could I be assured this would be the end of it? If I do agree to do, would this be updated on the website. Would I be able to call in on a specific date to make a payment and get a final confirmation number?



Thank You.

________________________________

From: [email]sherry@centrinex.com[/email]
To: [email]a-goode@live.com[/email]
Date: Tue, 7 Feb 2012 08:10:33 -0600
Subject: FW: loan

53779849 The lowest I'm able to settle for is $ 350.00, and that's if you want to pay it in full within the next couple of weeks, Thank you, Sherry

From: Adam Goode [mailto:a-goode@live.com]
Sent: Saturday, February 04, 2012 5:30 PM
To: [email]service@eastsidelenders.com[/email]
Subject: loan



My name is Adam Goode, and I currently have a loan with your company. I recently missed some payments, and therefore I have some arrangements set up. I am wanting to get the details of those payments. I also see that my outstanding balance is in the amount of 550.00. I was also wanting to see if I could set something up where I could pay off the balance, but pay a lesser amount then what is due. I paid a most recent amount of 137.50 as of 2/3/12, an amount of 137.50 on 1/20/12, 150 on 1/6/12, 150 on 12/23/11, 150 on 12/9/11, and 125 on 11/25/11, . That is already an amount of 575. There are debits back before then, but I am not trying to include those in this attempt to possibly settle. I will be able to make my next payment on 2/17/12, as scheduled, but what I would like to see is if I could settle this account for around $200, and be done. The debits so far have totaled the amount of $850. If the fore-mentioned $200 payoff were too be accepted, the total amount you would retain from me is 1,050.00 The original loan was for the amount of $500 on 11/17/11. From me, you would end up having gained a total of $550 over that original loan amount. I am trying to do this, so that we can work out something that works for the both of us. Neither of us wants to see another default on the loan, and what could even potentially lead to a charge off. Furthermore, this might make me more then willing to be a returning customer.

Thank You for reading this email, and any consideration given to the matter. I do look forward to getting a response to this email.