11 Payday Loans (NJ)

None of your lenders are legal. You should follow the step by step advice in my signature link.

Thanks Ohio Gal- I am doing just that.....But when I get to my bank, what do I do as far as keeping the account open temporarily, bc my pay is deposited tomorrow and the PDL's are to be debited on this Monday 9/17.

I would strongly suggest you withdraw your money after your pay check is deposited, and then close your account. If all these PDL's are scheduled to hit on 9/17, that is the only way you can be sure to stop them from getting at your money!

Make sure you close the account after you withdraw and create a new one or else you'll be negative and nailed with fees.

So here's an update for everyone...I bank at TD Bank in NJ, and I went in this morning and explained what was happening; they immediately CLOSED my old account, opened a new one ( made sure the two weren't linked in any way), and filed fraud papers on those lenders!

They gave me a copy of everything, and said that on Monday (9/17) when the debits are supposed to hit, they WILL NOT, as the old account can not be forced back open, due to fraud.

I shared with them, that one loan, "Holiday Group, LLC", which I obtained 8/10/2011 for $300. I was sick to my stomach to find that I have paid them $2520 as of 9/4/2012. I have never received an email from them about a payoff, a new balance or anything. Of course in the ach revocation letter, I have demanded my funds back to the tune of $2220.

Glad to hear that things are working out for you. I would still demand a refund as you are entitled to it, but if they are tribal or offshore, you probably won't get one. Good luck!

Good luck. You know, any charges you made to holiday group over the past 60 days can be reversed by your bank. Not sure if you inquired... but the bank does have that ability.

I didn't know that about Holiday Group; I am baffled that these ppl have continued to debit $90 every other week out of my bank account, and not notify me of a balance, a pay down or anything. This is Loan shark work at it's best! But I AM demanding my refund of $2220 back, so I will follow-up to let everyone know how it turns out.

I have also overpaid Discount Advances by $929. On an $1100 loan, I have already paid $2029.88.

Integrity Advance, I overpaid by $1596. On a $900 loan from them, I have already paid them $2496; I'm PISSED!

Everestcashadvance, I have overpaid them by $362, on a $400 loan.

So again, I will keep everyone updated to let you know ho wit turns out.

I just can't believe that these ppl have gotten away with practically robbing the innocent, for so long!:mad:

I told you, call your bank and ask them to do ACH reversals stating the charges are unauthorized. When you speak to the frontline CSR say "may I speak to claims intake please"

First off, nobody is going to judge you here, as we all have been where you are at one time. Second, I am so glad that things are working out for you and am happy to see you getting out of this nightmare!

Please let us know the outcomes. I'm going through the same situation myself with several pdl's that I've well overpaid, Netcash 123 being the highest. I'll let you know if I hear from Netcash 123. I sent my e-mails to the illegal pdl's over the weekend. Only one response so far, and that was telling me that my account went to a different company, I asked for the "new" company's name and address, as well as the original company's address, of course, no response so far.

OK, so here's the response that I received back from CashWebUSA, after sending allof my emails this morning:
_______________________________________________________

Dear Customer,



I have been notified by my staff regarding your concerns about your account balance remaining. You cited the laws governing payday loans in your state of residence; however, if you refer to the contract you signed with CashWebUSA, you will notice you willingly chose to subject yourself to the laws of Costa Rica. More specifically, the contract states:



Governing Law: You have acknowledged that the key elements of acceptance of this Application by us, approval by our underwriters, disbursement of loan proceeds and repayment of principal and fees all occurred or will occur in Costa Rica, and you and we agree that any controversies that may arise hereunder shall be covered exclusively by the laws of Costa Rica.




Despite this fact and in order to maintain customer satisfaction - our most important goal here at CashWebUSA.com - we will suspend all further fees related to the processing of your loan and you may remit to us the principal balance of $450.00. You may mail this payment to:



CashWebUSA

Apartado Postal 19

Plaza Colonial Escaz??

San Jos??, Costa Rica



After you make this final payment of $450.00, we will record your account as paid in full. Please reply to this email stating your acceptance of these terms; by emailing us an acceptance acknowledgment, both you and we agree that this matter is fully and satisfactorily resolved and no further action will be needed from either party after the $450.00 payment is made.



If you would like to discuss alternative payment options, please contact our Customer Service Department at 877-365-0361 or by email at [EMAIL="CustomerService@CashWebUSA.com"]CustomerService@CashWebUSA.com[/EMAIL].



Thank you for your cooperation with us, have a great day, and I look forward to hearing from you soon.



Sincerely,



Fabian Alvarado

CashWebUSA.com

________________________________________________________

I politely responded that I am only governed by my states laws, within the US, point blank. And legally I am not required to pay back more than owed on that account. They released to me $450, and I have paid $270, so I told Fabian, that I am ONLY willing to pay the difference, which is $180.

Waiting on a response now.

So I heard back from one lender: Cashwebusa....... and they basically told me that I was governed by their laws in Costa Rica; however, bc they are inclined in providing excellent customer service, they will STOP all fees and interest, and allow me to repay only the principle balance of $450.

Well I only received $450 from them, and have paid them $270 thusfar, so I responded back that I was ONLY governed by my state's laws in NJ, and that bc I had already paid them $270, morally, I will complete the balance of $180 to satisfy the loan.

They have yet to respond back! Smh.......:mad:

So to update everyone who may be looking for an email address on Mycashnow.com and Discountadvances.com; they are "sister sites", owned by the same entity.

The email address that I was sending my ACH revocation letters to was just a general customner service email; however, the emails bounced back to me.

So I contacted them both and received their "FAX" numbers:

Mycashnow: 866-318-2274 ( include your referral code as the "attention to" in your fax)

DiscountAdvances: 866-729-3376

Quote:

Don't back down!! Keep at them

Thank you; I will definitely use that in the email that Cashwebusa sends back; though I haven't heard from them again, as of yet anyway!:rolleyes:

I received a confirmation of my ACH Revocation, cease and desist order from Everest Cash Advance, and also a PIF letter.

However, they owe me an overpayment of $362.00, which I am going back and forth on emails with them about now! They are telling me that the terms were mutually fulfilled, so they nor I have any further obligation.

I may continue to fight on this, or I may just chalk it up to experience, bc that's one less lender to worry about!:rolleyes:

Keep that PIF in a safe place just in case you need for future reference.

Just giving an update, I just heard back from another lender: Fast and Reliable Cash.

[COLOR=#2f2f2f]Here's what I told them in the ACH Revocation letter...............Though not legally required to do so, I will repay the principal of the loan for $500.00[/COLOR][COLOR=#2f2f2f]. [/COLOR][COLOR=red]I have already paid $135.00 leaving a balance of $365.00, in which I am willing to repay via credit card in 5 monthly installments of $73.00 each on 10/1 10/15, 10/29, 11/12 and 11/26[/COLOR][COLOR=red].[/COLOR][COLOR=#2f2f2f] Once paid, I am requesting an immediate [/COLOR][COLOR=red]???Paid In Full???[/COLOR][COLOR=#2f2f2f] letter. Please advise via either e-mail or USPS where I can contact you to complete the balance of $365.00. [/COLOR]
[COLOR=#2f2f2f][/COLOR]
[COLOR=#2f2f2f]This was their response to my letter:[/COLOR]
[COLOR=#2f2f2f][/COLOR]
[COLOR=#2f2f2f][FONT=Book Antiqua]We are in receipt of your most recent communication. We pride ourselves in ensuring that we take care of our customers, and service their needs with respect and in a timely manner. You came to us on 8/8/2012 for a loan and we helped you in your time of need. While we may disagree with your interpretation of the law ??? as we are not located in the State of New Jersey and our loans are not written in the state - we therefore do not have a New Jersey License. We did not solicit you in any way, nor was the loan written in the State of New Jersey. You were given the terms of the loan verbally and in writing you verbally agreed to the terms and conditions and E-Signed the loan documents accepting and executing the contract.

However, in order to resolve this matter, we are willing to settle this account for the remaining principal of $365. We funded you $500 on 8/9/2012 and you have made one payment of $135. To consider your loan paid in full we must receive the entire principal amount back. Per your request, we are willing to accept the 5 credit card payments of $73 on 10/1/2012, 10/15/2012, 10/29/2012, 11/12/2012, and 11/26/2012. Please call 866-446-1760 or reply to this email with your credit card information to set this up. We will need the name on the card, expiration date and address associated with the card to set up the payments.
______________________________________________________
[FONT=Arial][/FONT]
I responded back saying that I WILL NOT call to provide a credit card for them to debit payments from. I will call in each month with a pre-paid card, and if that's not acceptable, they can send me a mailing address to where I can get a money order to them!!
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Otherwise, I will not pay. I also told them that they OWE ME a refund, bc this is the 4th or 5th loan that I've had with them, and have always paid the loans off in their entirety.
[FONT=Arial][/FONT]
I'm waiting to hear back now!:eek:
[/FONT][/COLOR]

If it were me, I would ONLY pay via money order. If they do not wish to provide an address, then they dont want the money.

SoapLady- you are so right!

They just responded back to me, saying that a Sr. Manager wants to speak with me and they would appreciate if I could provide a telephone number where I can be reached tomorrow.

I said absolutely NOT, and if you would've read my entire letter, you would see that all telephone calls are prohibited. If the Sr. manager wants to speak with me, they can do so either via US Postal mail or email ONLY.

So I guess they don't want their money; there's nothing else to discuss!:mad:

If this is your 4th or 5th loan and they owe you, subtract what they owe you from your current loan. Don't give them any more than you need to.

OhioGal- I lost track, but I think this is my 5th one with them. And you're totally correct, I can just subtract the fees paid on all of those loans; when I do that, of course, I don't owe them anything further.

I hadn't thought of that one!

Thank You

Notice my two edits above....this company who is violating TOS and is soliciting people after their bankrutpcies are discharged. I went to his website..he is a broker not a lender. The website is new, 2012 and has visable errors on it and looks copied from other sites. You are refered to loan companies without outrageous interest rates.....for people getting out of bankrutpcy, this is NOT the way to go.

Bankruptcy most certainly is NOT on my list of things to do, so thank you for the response back on that!!

I was wondering what this advertisement was for and where it came from. He needs his own forum, not any of us on here whom has already gotten GOT!!:mad:

Just giving an update, that another lender, Fast and Reliable Cash caved in, though I still owed them on a current loan, and marked my account as "Paid In Full".

I went back and forth with the manager several times, as he was trying to tell me that I was bound by the laws according to the State of DE. I told him that after the many loans I've had with them, they actually OWE me a refund, so I think that is what sparked the "PIF" letter.

So I have 9 more to go..........but I haven't heard back from anyone else.

Stay tuned everyone

Great news! Good luck with the others. Keep that PIF in a safe place in case you need for future reference.

So here is what GreatPlainsLending just sent me today:

Dear Customer:

Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account.

Your account has been closed from further activity.

________________________________________________________

Now they actually OWE me a refund, but I won't hold my breath on it; I'm just glad that this is considered CLOSED!;)

Great!

I have yet to hear back from any other lenders regarding my loans, so this morning, I receive a voicemail from TR Solutions....someone by the name of Mr. Swoger.

He proceeds to say that my account was just turned over to them today (10/2); however, this is my FINAL notice (10/2), and if I don't call them by 4pm CST, they will proceed and I will be served.

He left a claim # and a phone number (855-238-4061)

**How should I respond to this guy?**

Quote:

SoapLady, thank you for that response. I will definitely be using that one on him when he calls back, as I am aware that it was his first contact with me today! So yeah, he'll call back or someone and when they do, I am reading them the riot.

I am going to see if an address can be provided; they may not give it to me, but it's worth a try.

If they refuse to give an address you can be almost certain they are bs artists

......of this (800) collector? I have been receiving several messages since last week at the following number: (281) 661-1946, which shows on my caller id; however when the message was left by someone named Mr. Miliano, he left (866) 803-6960, and that I needed to call back with a case #, as one of their clients had forwarded my information over to his office. (He never mentioned the name of his company)

I have not called back; I ignore the calls; I just wonder has anyone came across this # and this Mr. Miliano person?

...that all of these are illegal in the State of NJ and I do intend on ignoring all calls, as I've been doing. I just find it funny that the calls will stop for a few mos, then start back with an urgent message attached to a voicemail. Just smh!

I did google the Delaware Asset Management company and they are legitimate; however, I don't think they realize they're trying to collect on illegal debt, and I'm not telling them.

Not me personally, but you are correct to just ignore these scammers

filing those complaints make you feel better though! Good luck!

Today, low and behold, the same guy from DE Assets Management calls my cell phone, and of course I didn't answer; now he saying, he wants to talk to me before any papers are forwarded over to the county clerk's office for suit.

I am sure by now you know they are illegal. Simply ignore. If calls persist, report to your SAG and the FTC, if you have not done so already. Don't let them get under your skin!

The above post is mine. Not sure why is showed anonymous.

handle his sorry ass as you would any bottomfeeder.file a police report.then file an AG complaint.then ignore him.just another sorry bottomfeeder that needs to break the law.

Thank you for your response; I do intend to do that today; this is crazy!

Over the past few days, I've received calls from the DE Asset Management Company re: a client whom has turned over a file in my name, with my social security # attached seeking remedy...and I know that since that Collections agency is in Newark, DE, then their "client" was none other than "Integrity Advance", who's in Newark, as well.

This afternoon, I received an email offer from Integrity Advance:
_______________________________________________

Integrity Advance, LLC

300 Creek View Road, Suite 102

Newark, DE 19711

(P) 866-378-0084

(F) 866-972-7401



Settlement Offer!


Date 2/20/13


Amount $600.00


Dear Valued Customer,

At Integrity Advance we understand that during the course of an entire year some of our customers may have encountered financial difficulties and end up relying on their Income Tax Refund to pay off outstanding debts.


You have been selected by Integrity Advance for a special offer. We are willing to settle your outstanding balance with us for the reduced amount of $600.00.


Please call 866-378-0084 within 30 days of the date above and ask for James Jacobs. Don’t hesitate; this offer is time sensitive so call today!



Thank you,


James Jacobs

Customer Service Manager


This is an attempt to collect a debt and any information obtained will be used for that purpose.

Integrity Advance, LLC 300 Creek View Road, Suite 102, Newark, DE 19711
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I live in NJ and have/had 14 payday loans that I've been battling since the end of October since this site woke me up to the laws of the great state of NJ! I recently received the same call from him but he doesn't leave an amount I can tie back to to figure out which payday loan my "debt" (that I've probably paid off 3x already) pertains to. How many times did he call back and did you ever send him the letter or read him the riot act if he got you on the phone?

I apologize for just seeing your message on here, but to answer your question, NO he did not call back nor have I received anything in the mail. I was waiting for him to call back, so I could read him the riot, but to his luck, he didn't call.

I received a voicemail this afternoon from some guy name Thomas Artre', that works for Delaware Asset Management Co. He stated that there was a "legal" claim filed against my name and social security number with their office, and that It was of great importantance that I contact him back at (866) 226-1147, due to the time-sensitive nature of the matter....and that we need to discuss it in its entirety.

I believe this is from Integrity Advance in Newark, DE, as this collections agency is in Newark as well.

With Integrity Advance, I overpaid them by $1596. On a $900 loan from them, I have already paid them $2496; I'm PISSED! On January 23rd I received a call from one of their collections ppl and the very next day, I re-faxed/emailed my letter to them, staing that obviously they weren't adhering to my letter and that THEY OWE ME.

So, I didn't hear anything else from them, now all of a sudden here's this DE Asset Management Co, calling.