Ameriloan pay day loan...Help!
Date: Thu, 09/27/2012 - 11:52
Im not sure where my last post went so I figured that I would post again.
In July, I opened up a pay day loan online with Ameriloan for $300. I get paid bi weekly and ever since then they have been debiting $90 from my account. To date I have paid $360, and that doesn't even touch the original $300.
From all of my research on this site, and from another poster I found out that Ameriloan is illegal in my state (NJ) and I read the steps that I should take to hopefully, get rid of them.
This Wednesday, I am supposed to get debited from my account $140 from Ameriloan. I have no idea how I am going to do that and feed my family.
I am so nervous to cancel my checking account and have Ameriloan come after me. I can not have them calling my work or my relatives (they have all of that info).
Here is what I was thinking, if I go to the bank today and close my account. I will also write Ameriloan the e-mail that is stated in another post. But, I will also add that I am willing to pay the $390 (what they are saying that I owe) but I can only pay $100 a month. I am hoping that keeps them from harassing my job and my relatives. If I have to explain why a debt collector is calling me it will make this mess so much worse. :(
Whatever I do, I have to do it today! I work all day tomorrow and I get my direct deposit in a couple days. Please someone guide me on what to do...
In July, I opened up a pay day loan online with Ameriloan for $300. I get paid bi weekly and ever since then they have been debiting $90 from my account. To date I have paid $360, and that doesn't even touch the original $300.
From all of my research on this site, and from another poster I found out that Ameriloan is illegal in my state (NJ) and I read the steps that I should take to hopefully, get rid of them.
This Wednesday, I am supposed to get debited from my account $140 from Ameriloan. I have no idea how I am going to do that and feed my family.
I am so nervous to cancel my checking account and have Ameriloan come after me. I can not have them calling my work or my relatives (they have all of that info).
Here is what I was thinking, if I go to the bank today and close my account. I will also write Ameriloan the e-mail that is stated in another post. But, I will also add that I am willing to pay the $390 (what they are saying that I owe) but I can only pay $100 a month. I am hoping that keeps them from harassing my job and my relatives. If I have to explain why a debt collector is calling me it will make this mess so much worse. :(
Whatever I do, I have to do it today! I work all day tomorrow and I get my direct deposit in a couple days. Please someone guide me on what to do...
Follow the link in my signature line for step by step instructio
Follow the link in my signature line for step by step instructions on how to deal with them.
The point is that they are illegal and therefore you owe them no
The point is that they are illegal and therefore you owe them nothing legally. You have already overpaid. It is you who deserves a refund. Anyways, go through the link Soaplady mentions.
