Help In Tennessee

I have paid 1392 to Eastside Lenders so far that is fess and all on a 750.00 loan!

They are illegal. You only principal only, no fees/inerest

But I live in Tennessee..do the new laws help any for Tennesseans? I here that eastside is licensed i Delaware. Does that matter? I really need advice on what to do first..I am so afraid they will start calling my job if I don't pay them and I could get into trouble.

They are illegal lenders. 2 of them tribal, one of them a Delaware shill. Follow the link in my signature line to handle illegal loans. Your first step will be to revoke ACH/wage assignments and close your bank account. The steps are outlined in the link "how to deal w/ illegal loans"

Please keep in mind that they will call your work, home, cell, etc.

I am unsure about Eastside. Does the new laws in Tennesse help Tennesseans with it?

Nevermind that last statement..It wasnt showing up for some reason. First of all thank you for your help in advance. I will be following your advice. I am also having trouble registering at this time, so i will just appear as unregistered for now.

ok. I have the amounts that I have borrowed now from the lenders

500FastCash borrowed 550 paid 330 in fees
USFASTCASH borrowed 350 paid 575 in fees
EASTSIDE LENDERS borrowed 750 paid 1392 (i believe)


note: I am from Tennessee and I have no Idea what I am doing. And don't understand the Tn laws regarding pdls. I plan to go to the bank on Friday to close my account, but in the meantime, what can I be doing to prepare? My account is in the negative a little due to us taking an extra 50 bucks so i will have to wait till my paycheck comes in to be in the clear to close. I hope I will be able to open another account with the same bank. But will find another if not. Do I need to tell my employer about any incoming calls that I may get? As I said they kinda frown on it. And what about my HR dept?

Please try to register to the site. All 3 of these lenders are illegal as I have told you already. You owe them nothing more... I wouldn't bother with a refund request but you can try. You are paid in full - send them the letter in my signature line and move on.

Thanks Waffles, Just got registered. I will follow your advice.

Ok Waffles. I have went to the bank today, and opened another account. I have not closed my old one yet due to the fact I still have some checks out for utilities. I explained to the lady my situation and she told me closing that account was the best thing to do. I am just waiting on those few to come in anytime now. Next week she told me to come by and see her and close the old one. I plan to work on my letters this weekend to the lenders and speak with my hr department early next week. Just a question here, would eastside be considered to be illegal due to the fees that they are charging? I know that the others are tribal, but wondering about Eastside and knowing what type of letter to send to them. Should I state that they are illegal in my state (Tennessee) or the fact of the fees they are charging..Thank You so much for your advice here. And also is it common for the lender to contact your employer anyway reguardless of you revoking their right to do so? I thought about callingg them up and changing my contact info that they have to random numbers.....Just wondering I have learned alot from this site but still have alot to learn!!!! THANKS A BUNCH!!!!!

Ok..Dear EastSide Lenders,
In regards to account number: xxxxxxxxxx
It has come to my attention that payday lenders must be licensed by the state of Tennessee in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $750 on 07/24/2012, and have had 7 bi-weekly withdrawals debited from my account .
1. Withdraw on 08/03/2012 for $225.00
2. Withdraw on 08/17/2012 for $225.00
3. Withdraw on 08/31/2012 for $225.00
4. Withdraw on 09/14/2012 for $225.00
5. Withdraw on 09/28/2012 for $250.00
6. Withdraw on 10/12/2012 for $242.50
7. Withdraw on 10/26/2012 for $235.00
This results in an over payment of $877.50.
At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $ 877.50 over payment. A refund check of $877.50 should be mailed to me at the address you have on file.
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.
Future contact with me should be only through e-mail (that you have on file) or US postal mail from now on. Also I am revoking your right to contact my employer and my personal contacts that I may have given to you for references. If I do not receive a response I will be forced to contact the BBB and The Tennessee Department of Financial Institutions, as well as my States Attorney Generals office and the FTC.
Here is my letter to Eastside, I will be sending in the morning, after my last debit comes through my bank..Is this ok? I am working on my 2 others..just wanted to check and see if this is Good!?

Ok sent my letter to eastside lenders..Know I am working on USfastcash and 500FC. Should I sent them a letter stating that they are tribal or should I send one just stating they are illegal in my state? Confused, and a little nervous to boot! But I have to do this

Also..does anyone have any contact info on usfastcash or 500 fastcash?

Ok..all letters are out! I have not received anything from east side, and i sent it yesterday..I did receive an acknowledgment letter from US and 500. saying it will be processed in order received and it usually take 3 to 4 hours, so waiting for this sh*t to hit the fan!! I sent my e-mail to [email]christy@eastsidelenders.com[/email] and also [email]customerservice@eastside.com.......hope[/email] that was right between the two!!!!

Just got a letter from Eastside!!!!!!
East Side Lenders is responding to your correspondence regarding the above-captioned account.
We are sorry to learn that you are dissatisfied with the terms of the loan offered by East Side Lenders. Customer satisfaction is very important to us and we are willing to mark your loan as paid in full. Your financial obligation to East Side Lenders has been fulfilled however, we are unable to issue you a refund at this time. East Side Lenders has taken the above reported actions because of our continuing commitment to servicing our customers and not because of a legal obligation to do so.
We thank you for your past business and wish you well in the future. Thank you for bringing this matter to our attention.
Thank you,
Christy Finazzo
East Side Lenders, Manager
40 East Main Street, Suite 410
Newark, DE 19711
WELL NO REFUND FOR NOW BUT...1 DOWN!!!!2 TO GO!!!!!

Well still nothing from usfc and 500fc. There is a problem with my bank account though that i closed. it is not.. 2.00 in the negative so that reopened it!!!uggg I have got to get that worked out monday!!!! and i need to speak with the manager about closing it period. it has a overdraft on it..so im scared as heck that fc or 500 will hit it! but they are not technically suppose to hit till next friday...but i have already sent my letters..I have read how dirty they are..also i haven't read any success pifs on the forum on them in a while.. I contacted the tn dept of financial inst about eastside and they wanted the pif letter I got from them, he requested because they said they were unable to give me a refund at this time.....so maybe he can get it for me!! wishful thinking!! Haven't heard from waffles in a while..hope she/he ? was't caught up in hurricane Sandy!! Stay safe my friends and Always a BIG thank you, I have got one pif, and could not have done it without you!!1

Keep that PIF in a safe place in case you need for future reference and congratulations! :D

Thank You! I haven't received anything from usfc and 500..I am going to send them the e-mails again on wed! They e-mailed me a reply saying it would be 3 to 4 business hours but thats been 3 or 4 days ago. There payment is suppose to come out this Friday, so I guess they will find out when they cant get it hah> Bout peed my pants today, was at the office and an officer came in to see the hr dept to issue a garnishment for someone. Very scary! I HAVE HAD ONE BEFORE..no fun! which i never remembered being served..medical for one of the kids.. I did speak with our hr dept today about voluntary wage assignments..She promised she would contact me if she got anything in and that she does nothing without a court order. I just want this to go away....I had a so called attorney fax a bogus ;rtter to them about 6 months ago, asking about my wages and if my wages were currently being garnished and she called me then to ask me about what it was..it was Lipson Burns and Klien! SCAM!!!! anyway have a great day and thank you again for all your help!

You are welcome and we were glad to be able to help.

Well good news and bad. The complaint with i filed with Tennessee came through. I received a e-mail on where to send my refund from eastside to....yeah!!! they told me at first they couldnt do one at this time and then i guess tn got a hold of em....lol But the bad news is I finally recieved something from us fastcash. RECOVERY! stating i owed 325. and to grab my credit card! they have yet to answer my e-mail about revoking ach and such...should i reply to them with my original e-mail? need help on how to handle from here. thanks for your input 500 fastcash has called me i believe but i am not answering...I am just going to send them the e-mail AGAIN!

Keep the pressure up on the lenders who haven't acknowledged you revoking the ACH agreement. Make sure you remain vigilant and keep track of your bank account (new or not) and your credit report until you have PIF's for all of your lenders or at least acknowledgements the accounts have been closed and written off. From there just print off everything and keep copies in safe places. I have e-files on my smartphone that I can forward at will to show I'm payday debt free.

The only thing I have gotten from US fastcash is a recovery letter telling me to get out my credit card. And 500 has not responded to any of my e-mails. I sent both letters last week again :confused to cease and desist on their collections for these accounts. They evidently got my office number from our main receptionist and are calling me. Of course they dont know they are speaking to me when they call. But they are saying they need to speak with me about an application i submitted online. nice soooo far!!! but both company's are calling my boss's office. geezzz when will they stop..if i talk to them will they stop calling or will they get ugly cause they know i am located there? I read where one lady faxed them and mailed a illegal company a cease and desist and they just stopped calling. I am so going to get in trouble if anyone answers these calls and they get ugly. what can I do next? advice? :confused:

you are going to have to tell you boss and co-workers that you are a victim of fraud thus the phone calls. Explain to them that they constantly call and simply hangup on them. No need to answer their questions, etc. Simply Ignore.

I sent them more e-mail's wishing them a Happy Thanksgiving! lol I plan on flooding them with fax's as well, got that idea from a member who recently got a pif from them. Maybe that will wok for me..

Keeping my fingers crossed! Good luck!

When usfc called me at work the other day, I got an idea. It was around lunch time when they called and noone was in the office but me, so i had to answer the phone. well when they called i answered. I told them that i was not in, thats when they gave me bs about an online application i submitted. lmao ANYWAY.. I plan to tell them next time they call that I no longer work there and that I have no forwarding information..think maybe that will slow the calls or maybe stop them? still no response from e-mail on fastcash or 500...JERKS!!

Well Good news and bad..I recieved a refund from Eastside for 877.50...yeehaww! lol Bad news..BBB sent me an e-mail about complaint on 500fc.. 500 stated to them that is i have any questions regarding the account i can e-mail the compliance department...well hello i have only sent about 50...lmao and yea that they could not disclose a 3rd party about my loan..what about when they call and disclose info to your employers..i returned it with the same thing i just said and said that they are liars...and are only saying that due to the complaint. but they did send me to recovery and i got the very first e-mail from them today..along with recovery letter from usfastcash.. any input would be appreciated..by the way I went to a check cashing company to cash that check.

Wonderful news on the refund!!!