Cashnet USA help
Date: Thu, 06/14/2012 - 11:43
I've been working with my payday loan lenders, not paying the ones that are illegal, etc. Here is my issue. I have a PDL with Cashnet USA. Last week I set up an extended payment arrangement with them. I am not able to make the payments as specified. Yesterday I sent them an email requesting that instead of the payment coming out every week, they take half the amount every week until paid off. I also sent ACH revocation. I received a response from them that I can't revoke ACH. and that since I previously agreed to the payment arrangement they won't alter it. I asked for all communication to be done in writing, and to not contact anyone by phone regarding the account. A little bit ago I received a voicemail from them.
I need to know if anyone has had a successful experience working with them. As stated to them, I want to pay the debt, just differently than the way it was set up. My checking account is negative already, so I want to pay with a prepaid debit card, etc. Please help! I want to keep the communication with them in writing, so I'm not sure if I should return the phone call by tonight as the message stated or what I should do. Also, I need to ask if anyone replies, if you could also send the reply to my email, [email]paperlade1@aol.com[/email]. I am having a hard time accessing this board lately. Thank you all for your help
Cnu
Hi,
I just got off the phone with them also. First, I did cancel my ACH with them and I closed my bank account. Rather, I opened a new one at the same bank and they won't be linked. The young lady I talked with told me she could not set up payment arrangements with me. So I told her what I was going to do. I will be paying with my paypal card so that they won't get access to my checking account. They want me to continue to pay the $415 a pay. It will increase but she also wants me to pay a portion of the $415 I missed on 6/11. Told her I could not afford that. Asked her if they could be put in Chapter 7 bankruptcy. She became silent and then said yes. I told her to have a good day. I really hate it when they think they have more knowledge than you. CashnetUSA is legal in MD so I would have to pay them if I don't put them in my Chapter 7 that I am filing on 7/9.
cashnet
I just spent an hour and a half on chat with them. they kept telling me i couldn't legally cancel my ACH. That's all well and good, but you can keep debiting all you want, it's going to come back NSF, and that's only going to make the problem worse for me. After negotiating back and forth, I got them to agree to drop it from approx 350.00 every two weeks to 205.00 every two weeks, and they will make the payment on my prepaid card. I truly would have like to have gotten the payment to about 150.00, but I think this will still be good. I'm negotiating with so many creditors, etc., I still have nothing left, but at least I'm paying my obligations, which is all I want to do.
Good luck
