In over my head - HELP!
Date: Tue, 06/12/2012 - 07:27
united cash loans - $440 owed,
vandilier group- $390 &
cash call $1500.
I made the mistake of taking these loans out online and am not getting calls from people with such thick Indian accents that I can barely understand them stating that they are governmental officials and that I will be taking to court. They call my work since my cell has been cut off. They called before with my bank account number (part of it) and my address and personal information. I had not defaulted on these loans at the times of these calls and asked for a letter of debt and the calls stop for a bit and every little bit I get another call, one person even said "when you apply openly over the internet you are asking for it".
My account is in the negative and I do not know what to do. I get paid twice a month and these payments are sinking me fast and now that they have been repeatedly trying to debit my account I have NSF's like crazy.. I also have a few defaulted loans from a couple of years ago. I have paid off a few but have Brookwood loan, FBD loan & Advance America PDL that is in collections.
I was expecting to get a tax refund and a past due debt with Social security(my husband is disabled but was cut off his disability because I make too much) took it all now I am even more in the hole, that was what was going to get these things paid off.
I am having a hard time paying any of these and paying my bills, as my husband is not working and I am the only one employed at the moment. Just was garnished over medical bills (25% of my wages) which really hurt us by making every bill we owe past due.
Not sure what to do, any advice would be greatly appreciated.
United Cash Loans - Illegal tribal lender Vandilier Group - Ill
United Cash Loans - Illegal tribal lender
Vandilier Group - Illegal tribal lenders
Was the CashCall loan originated by Western Sky? If so, then its perfectly tribal and illegal.
What was the actual principal amount that you had borrowed from each of them? YOu owe them nothing other than the principal.
Talk to your bank manager immediately. The NSF charges needs to be stopped dead. Your first step is to get your bank account out of overdraft. Put your bank account on 'deposit only' status and put in enough cash to nullify the OD. Once you are done with that, shut the account down and open a new one.
You need to read this: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
United Cash Loan - Borrowed $400 In Jan 2012 - paid $120 twice/m
United Cash Loan - Borrowed $400 In Jan 2012 - paid $120 twice/mo and $170 once.
Vandlier - Borrowed $300 in Dec. 2011 - paid $90 twice/mo
Western Sky - applied with them in April, got the loan through Cash call, but have documents that say Western Sky. Borrowed $1000, ($1500, $500 loan fee), pay back $198 once a month (made one payment).
What a mess.. Have sent them all revoke ACH, and Cash call stopped the ach's, and so has UCL - after attacking my account 8 times. Vandlier will not stop the ACH even with the revoke letter.
All three payments tried to come out the first of June, and been running multiple times since - even after I asked them not to. Just sent the revoke ACH letter last week.
Thank you for your advice.
Ok, I registered. I had to wait till I had time, today is my day
Ok, I registered. I had to wait till I had time, today is my day off.
I have been reading the sticky threads and there is a lot of good information there.
You all are just great, and very thorough.
Any information or advice is GREATLY appreciated. Thank you in advance.
Totallyst
follow the sticky
if you go to ohiogal's sticky you should be okay.just demand(not ask for)refunds from both pdl's besides western sky.you waaaaay overpaid both and are entitled to have that money back.they will try to BS you,but let us know how they respond to the letters once you send them,and you close your account.we can help from there.
I have sent Revoke ACH emails already, and just sent the refund
I have sent Revoke ACH emails already, and just sent the refund request letter to Vandelier. Have appointments to go to and will send the refund request to United Cash Loans when I return.
Will keep updates coming. This is the response I got from Vandelier about the revoke Ach:
[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=4][COLOR=black][FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=4][COLOR=black][FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=4][COLOR=black]Per the loan agreement, by revoking authorization for the lender to process payment from the account you in turn are authorizing the lender to prepare a payment to payoff the account when the loan comes due. If the payment is not successfully processed then you promise to pay the remainder of the debt by mailing a money order payment.
Unless you call in by 6/13/12 to setup alternate arrangements, we will debit the principle owed of $300 on your next due date, 6/15/12.
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stand your ground
as long as they can't get anything as far as debits go.they can pi$$ on an electric fence.they owe you big.don't back down from that.