Maine Payday Loans

Keep fighting for a refund. Many times, the lenders who are running an illegal online loan (i.e. they are located in Delaware lending to a Maine resident) will cough up the refund. It's the tribal and the offshore ones who will usually not budge. Keep pressing them and threaten them with legal action.

I had a loan with Dollar Quick which I took out in 2007. After finding this site, I decided to ask for a refund in November 2011. After many emails and bank statements from closed account, I proved that I was entitled to a refund. I did receive it. Email address I used at the time was [EMAIL="customerservice@dollarquick.com"]customerservice@dollarquick.com[/EMAIL] Phone number was 866-435-0358. Not sure if this is still correct. Good luck to you!

I went to open another bank account today and was denied due to Chexwhatever. I am going to try a local credit union tomorrow. It seems like my main problem now is I may have to leave my account open with the evil BOA.

Has anyone here tried the second chance checking accounts? I am leery of doing an online checking account, but I need a place for direct deposits.

Avoid those second chance checking sites. Try the credit union... if that doesn't work you can try ING direct.. they'll approve you if you have credit above 620 or so but you'll just have a lower line of credit.

Well, my credit score is about a 610...so probably no ING. Hopefully the credit union will work. I used to be a member there, so crossing my fingers.

You can give ING a shot if the credit union doesn't work. It may or may not approve you. I work for the company but I don't know the exact number. I just know anything in the 500s will get automatically declined.

Well, my credit union gave me a savings. But on a whim, I decided to stop at the evil TD and they actually gave me a checking. Phew! Now I can send my letters and close BOA.

Good for you and good luck! :p

Well, the credit union would only give me a savings account; however, on a whim I applied to TD and they did give me a checking account - phew.

I sent my emails and went to BoA today about closing my account or making deposit only. They refused since I was overdrawn. They said my only two options where stop payments or just let the account keep overdrafting until the bank closes the account. They also told me that if I opened a new account with BoA, they would probably take money from the new account to clear up the balance of other one.

Guess what I chose? Guess I have to stick with TD for 5 years until BoA gets taken off of Chexsystems. At least now I don't feel bad about being in the negative at BoA.

Wow - Cashjar emailed my PIF within 2 hours of sending the email! I hope the other 8 are as easy, but somehow I know they won't be.

Congratulations! Doesn't it feel good to be on the path to freedom from payday debt? Suggest that you keep that PIF in a safe place just in case you need it in the future. :p

Woohoo~ Another one down - JD Marketing sent me a PIF!

7 more to go :rolleyes:

Good for you!!

Make sure you save that PIF from JD marketing. They are a favorite for illegal collections scammers to use as the original creditor.

Well - it has been over a month now. The only 2 lenders I have problems with right now are Cashcall and IdealGelt. Both of these are still trying to hit my account and insisting they talk to me.

I keep reply that I will only discuss this via email. I have one daily collection call, but crossing fingers here. (PS - IdealGelt is the only one that I have not paid off my entire loan amount - I still owe $100 to them but they will not respond to attempts to pay them off)

Three paydays and I am getting caught up on credit cards, insurance, kids allowance, and car payments. You guys rock!

Don't worry about it... if they're refusing to take your hundred dollar payoffs tell them to drop dead. When they sell you to collections just cease-and-desist them ... as for cash call it'll take a very long time to get them to work out your settlement