New here, need some help

first off welcome.second we can so help you here,but we need more info like.

1)names of each lender
2)amount borrowed from each
3)amount debited by each thus far


since i know you are in GA i'm also guessing these are internet.meaning they are most likely illegal,but we need to know for sure.please provide the info requested and we can and will help you here.

I have the following (and I'm a bit ashamed of my stupidity):

• Lakota Cash. 400.00, 480 debited in fees only (120 per two weeks)
  
• Advancemetoday.com - 250, 240 debited so far (60 per two weeks)
  
• White Hills Cash (2) 100 each, 120 paid on one, 80 on the other (30 per two weeks)
  

i've got news for you.all of these are illegal in GA.therefore not only do you only owe the principle,but those fee debits get deducted from that.here is what you really owe.

lakota owes you 80.00
advancemetoday you owe 10.00
white hills offset as you overpaid by 20.00 on one and owe 20.00 on the other.

you need to go to ohiogal's sticky titled (dealing with illegal lenders)at either the top of this forum,or on ohiogal's signature.follow every step.the first is to close your account and open a new one.do that asap as again the only one you owe is advancemetoday and that is only 10.00.

Thank you so much for the help. I will be following her steps and get this reigned in. You've made me feel a lot better.

Brad

it's a pleasure brad.now keep us posted as this is only the beginning,but we can help you further as needed.we are here for you.

Congrats on dealing with your illegal lenders Brad!

As you go forward, be careful with Advance Me Today. Make sure you completely close your account before contacting them at all. Those guys are really, really horrible people. They will scream at you, threaten to sue you, the works. Also, if they have any reference numbers for you, they will start calling them incessantly.

I had three lenders, and they were the worst BY FAR.

Good luck, hope you beat them!:)

z

Thanks everyone for the help so far. I've got a new bank account open, switched my direct deposit for work over to the new account and will be closing the old account today. Tomorrow the letters go out and I'm braced for blowback from them, but I think I have what I need to manage the storm, thanks to this forum.

I totally agree,
I have been dealing w/ Advance Me Today since October. I haven't received any further calls from them but at the begining it was a challange.
If they can they will constantly attempt to withdraw funds from your account even though you have revoked it.
I checked my account on their web site and it says its been charged off...
I'm just waiting to see what will happen next, even though the Department of Corporations did send me a copy of the order they were served with.

Wells Fargo is giving me the run around currently. My account went negative and they don't seem to care about the ACH revocation letters I want to send. They keep wanting me to file a fraud claim but I'm not sure what to do. I don't have the money to bring the account current at this time and they are also giving me a hard time about freezing it. I have not sent anything to the lenders yet, but I'm stressing out majorly right now about what to do with the bank that won't cooperate.

Okay, I finally got through to someone who knows what I'm trying to do. I need to stop back into a branch (after stopping in one and them not knowing what to do) and tell the banker to put a stop to all debits on the account until I can get the negative balance fixed. I'll be doing that tomorrow, then the ACH revocation letters go out.

you see a manager,not a teller.a teller will do stop payments.those cost money,and do not work.the manager is the one you see.you can get one of two things done.

1)bring the ACH revocations and all other papers and get those debits returned and the NSF fees refunded.
2)if they won't do that get the account on (deposits only)that is something only a manager can do.

now the D.O. is temporary only about a month or two,and only for negative accounts.again see a manager only for this.keep us informed.

Yeah, this point in the process can be tough. I'm going through this with Bank Of America right now. Debit blocks, balance holds, I've been promised everything in the book, but it never seems to actually work. I swear I've been there 10 times in the last 2 weeks. I'm beginning to hate bank lobbies and their stupid cushy chairs...

Keep us updated on how it goes when you stop in again.

Round two at the bank. I called the 800 number Friday night again and they told me I'd need to go into the branch and get a debit block put on my account. I went in today to do just that, however, I was told that the "system would not let me do it, I think because you are overdrawn". On top of that, he asked if I could come up with the money so we could just close the account. *sighs* I don't need this additional stress. I'll be calling the 800 number again as he suspects they might have started something. All I want to do is make sure it's locked down. More after I make another call.

did you see the manager at the branch.do so,and accept no substitutes.the drones on the 800 line won't tell you about (deposits only)as only a manager can do that,and it's for overdrawn accounts only.try to stay off the 800 line again as their info is basic at best.

Supposedly the guy at this branch said he "had logged in as the branch manager" and simply told me the manager would say the same. He mentioned that the system wouldn't let him block all debits. It sounds like I have no choice but to go to another branch and find someone more competent.

First, thank you all for the information. I've calmed down now, and I need to make sure I either take a copy of Regulation E with me or remember to mention it to the branch manager (I'm going to a different branch tomorrow; The first one proved that they don't particularly care) that they must heed my request. I don't get paid until Friday, so I won't be able to get the account fully out of the red until then, otherwise I'd have closed it long ago.

Success!
It really does matter who you talk to. I went to a different branch and spoke with a manager there. Without question, she applied the block all debits to my account and as soon as I can get it to a zero balance I will be closing it. I got her to print off confirmation of that in case something does come through. Now comes the revocation letters and ensuing fight.

Once again, thanks to everyone for the help, I may actually sleep tonight. :) ACH revoke letters have been sent and refunds asked for. Bank account is secured, and there is NO way I am ever getting into this kind of mess again. I'll keep people posted with how things go as I don't think I'm out of the woods with these people just yet.

I just started this process too. And, with a little courage from OhioGal's knowledge. Hopefully, things will work out on the banks end. I Just worry about the after shocks the PDL places will cause, these places are just shameful. It truly is amazing I wish I would have never done it had I known. Good luck!

I think things will work out fine on the bank end of the matter. The only worrisome thing is that the PDLs are going to affect your credit score.

From what I've read, an illegal PDL can't effect your credit score legaly. If they do report to one of the agencies, the negative mark should be disputed.

So far, I've gotten one response from Advancemetoday.com:

Quote:

you have come a long way in a short time.yes you are correct,and should respond as such.you are not fooled and need to let them know that.

Not holding my breathe on this but White Hills sent me the following today:

[QUOTE]Thank you for bringing your concerns to our attention. We have stopped all ACH debits to your account, per your request. Please be advised that White Hills Cash is a Sovereign Native American owned company, and therefore state laws are not applicable. As a courtesy, we have waived the remaining balances on your outstanding loans and have closed out your account. In addition to waiving the remaining balances we are going to credit your bank account $200.00, as a courtesy for being a loyal customer.

[FONT=Arial]If you have any questions, please contact me directly at 954-302-5169 or at [EMAIL="amarshall@whitehillscash.com"]amarshall@whitehillscash.com[/EMAIL].[/FONT]

Thank you,

April Marshall
Manager
[/QUOTE]

Good thing the account is in a debit hold status at this point, but again, I'm not holding my breathe on this one. But, 2 down and done away with!

Wow!

I wish I could get a letter like that. That's the dream response.

I've still been dealing with AdvanceMeToday. They've stopped responding to letters and don't call anymore, but they tried to debit $622 out of my account a couple hours ago (midnight, my time) but my bank account is finally closed so they didn't get a dime. They did send me a "thank you for your payment" letter though. Hilarious.

It's sorta fun watching them desperately try to get at my money and have absolutely no success!

Congrats on the two down!

If they are still trying to siphon funds out of your bank account, lodge a formal complaint with the AG

Oh, don't worry Steven, I hav.e. Thanks to much help here on the forums!

Just an update. The debit block worked just fine, nothing more came out of Wells today (payday). White Hills actually made good on their email and my old bank account got a credit of 200, which is enough to officially close it out today. I'm still prepared for a bit of a fight with Advance me today, as they attempted to collect the entire amount with their ACH attempt (and funnily enough, I got a "thanks for your payment" email). I'm almost out of the woods thanks to the fine people at this site.

i'm shocked white hills actually did that.great job on that,and just know that advancemetoday will fight you tooth and nail.just know that you are right and they are wrong,but they will lie and act like they are right.don't believe a word of it and keep us posted.

Hi all, just an update. I did in fact receive my refund from White Hills. Now, Advancemetoday.com sent this:

Quote:

Same here. I'm choosing to just ignore them. Now that my bank account is pretty much safe, they can't really do anything. Hopefully they'll just F*** off sooner or later.

I've send my revocation and C&D letters three times now. After the first time, they stopped responding.

I sent the same letter back to AdvanceMeToday, and I got response back saying their recovery department is now dealing with my account. I'm not sure what, if anything else, I need to do at this point. I believe they've started calling me even after I told them they did not have my permission to as well.

I got the same letter back as well. I re-sent my revocation letter and cease and desist letters to the recovery department (collections@advancemetoday.com) and then as usual, ignored their calls. It's hard not to respond to them, but that's the best thing to do.

Lakota finally responded via email with a "Serious Collections letter"

Dear xxxx, [FONT="][/FONT]

Your Payday Financial loan payment was returned by your bank for UNAVAILABLE ACCOUNT. Your current balance is $550.00 which includes an NSF fee of $30.00. It is important that you act immediately to resolve this matter. [FONT="][/FONT]

We have suspended the renewal process so there will not be extra fees added to your bill IF you make an honest attempt to work towards paying off your balance with the following option, take note that fees will be reapplied to the account if there is any default on payment arrangements:

o Pay in Full - we will waive 50% of the Finance Fee.

We do accept VISA or MasterCard, Cashier Checks, Money Orders and Western Union.

Late payments, missed payments or other defaults on your account may be reflected in your credit reports. Maintain your preferred status with Lakota Cash by working out a reasonable payment plan. You must call us immediately to take care of this.

Please contact us at 866-971-4477 M-F 6:00 AM to 5:00 PM MT to set up a custom payment arrangement.

Thank you,

[COLOR=#c00000]Lakota Cash[/COLOR]][/QUOTE]

I'm about to re-send them a copy of the letter I sent to the customer service address, also letting them know that even after I revoked their authorization they still attempted to debit my account. Is there anything else I should put in my second email to them?


[COLOR="Red"][Personal Information Removed for Your Protection. Please refrain from posting your personal information on public sites. Thank you.] ~OG1


[/COLOR]

actually respond this way.

since you think i still owe you when you got 480.00 on a 400.00 loan i'm filing complaints with my AG as well as the FTC.i will not talk about this stupidity over the phone as again this loan by my scorecard is paid.i have revoked your ACH authorization as well as any wage assignments.btw do you really think i want to maintain any status with an illegal tribal lender?

respond that way.

I agree with Paul. Make it very clear to them that you do NOT owe them anything and that they, in fact, owe YOU! File the complaints and keep at them.

It's been a while since I've posted, and all was going okay, until I got this in my email inbox a couple of days ago:

Quote:

you sent the revocations and your employer won't honor any wage assignments.did you file the AG complaints?if so forward that to them.if not do so asap and attach that with it.they are moronic,and not worth responding to anymore.

Respond with the same info you've given them previously. Reiterate your state's laws and that you are not bound by their tribal authority, stress that you've overpaid the principal of the loan.

They can't do anything to you. Don't stress.

First, I wanted to thank you all, again, for the help provided to me so far. It's been three months since I've started this process. I still have two lenders hounding me.

Lakota Cash
AdvanceMeToday

Lakota is contending I am bound by tribal law, even after reiterating my original letter multiple times. They have now sent me a note outlining the tribal law in the paperwork I originally signed and are threatening further collection actions. I've sent complaints once to the FTC and state authorities, but I suspect I will need to do so again.

AdvanceMeToday is starting to call me outright, at work, even after I explicitly forbid them to in my note I had sent to them. They have not provided me a mailing address and are still after the original overblown amount.

Is there anything else I can / need to do? I followed Ohiogal's information to the letter at this point.

This chain of posts is simply amazing. Here we have a struggling young man, Brad, who took out what I would classify as modest unsecured loans. As we know, PDL's excel in illiegal activities, while many borrowers take advantage of the PDL's by borrowing money from them interest free. The borrowers know these lenders are doing so illegally, and thus they only owe principal. This wink & nod activity creates negative side effects.

In Brad's case, he has had to invest significant time and endure a lot of stress just to dispose of the problem. For others on these boards, I would caution you against using these interest free loans.

Brad, reading through your plight, I send you my sincerest sympathy. You are a nice person and didn't deserve this. You are trying to make things right. You will face more hardship. I hope you pull through, and I know you will be stronger for it.

If you'd like to share more details of your overall financial situation, I would be most interested. Thanks in advance.

never before have i seen a longer post say nothing absolutely nothing.incredible.i don't believe you are a chief of anything so thanks for stopping by.btw the only side effect is a no-good tribe giving immunity to a complete bunch of scumbags as affiliated with the tribe as i am.again buh-bye.

I never thought about this before- I can purposely take out what I know are illegal payday loans on the Internet and use the proceeds to pay down interest bearing credit card and legal payday loan debts.

My plan as follows:

-Open a special purpose bank account for debits.
-Get a new phone number for this purpose.
-All on one day apply for every illegal payday loan I can get.

Use the free float to reduce my high interest debt. Hold off paying back the interest free illegal loans as long as I can. Rinse and repeat. Genius. Thanks Chief!

nobody who has been here and registered is gonna take that stance.if you borrow.you pay at least the principle,and make every attempt to do so.the idiot playing chief was trying to mock us by that statement.so if you feel that way...go away!!!!!!!!!!!!!!!!