pdl help in Tennessee

Follow the link in my signature line for step by step instructions on how to deal with your illegal loans.

quick question, do i take into consideration the previous loans i had with the payday loan companies, (and overpaid before paying in full,) when i send them the ach revokation letters? for example, i had a loan with everest cash advance and probably paid 300 extra before i paid it off. then 3 months later i reloaned. should i add that overpayment amount to the letter as well?
thanks,

Yes, any amount that you have overpaid goes towards the principal loan amount, no matter how many loans you have had. Demand refunds.

Hey K2, I too am from Tennessee and am going through the same thing, I have sent you a PM..These people on here are great and will help you in every way they can. Hang in there!!! You have come to the right place for help!!!!!!

Thank you! that makes a huge difference. before i closed my bank account, i went online and made a spreadsheet of all the PDL transactions i have had since April. I included every transaction in my email to the lenders and requested refunds for overpayments. i started sending out the letters at 5:15pm eastern time and have already heard back from one lender. i am so thankful that this site is here. you have been a great source of knowledge.

here is a response from a lender. this took less than an hour! Whoo! you guys rock. i am so glad i found you!


KRISTINE
Let this letter serve as confirmation that KRISTINE account with Fox Enterprises, account number 356876, is paid in full as of 11/07/2012.
Thanks,
Fox Enterprises

name redacted per member request - waffles

Heyyyy!!! That is great news, and fast! Congrats!

good news

Great News, on to the next... keep us posted!!!:D

Congratulations and keep that PIF in a safe place in case needed for future reference :p

just got another PIF email today. Whoo! 2 down so far without a fight. I had my WHOLE paycheck today for the first time in 6 months. I have one lender who is being a pain so far, but I am not giving up. i have not heard anything from the others yet. I feel empowered finally. Thank you again for this site. :D

Congratulations Great Job!!! who was the second PIF from?

2nd PIF was from Everest cash advance. i got an email first that said they were confirming my C&D letter, then i got the PIF statement. I also got an email from VIP Loan Shop confirming receipt of my C&D letter,but i have not received a PIF statement yet, but both lenders are under the same company, ( e finance support) and they both came from the same email address. when i log into the websites, it shows the same message for both. "please call 1-888... for the status on your account. I am counting the VIP Loan Shop as a win also.
I am just so happy to have money for food and to be able to pay my essentials. i only wish i had found this site sooner.

Great news again, so happy for you -- yes this forum is a god send for sure..Not even sure how I found it in September - but so glad I did - still working on some legal lenders here in AZ - should be done with all of them in Feb. But I did some math and between the 3 online illegal lenders (2 still fighting with) and 2 legal lenders that I have been able to work out plans with I went from spending $1,245.632 a month to them to only $200.00 a month between the 2 legal lender payment arrangements, settlement offers in Feb to pay in full. The others will be about $925.00 a month -- I don't even remember how or when it all happened.. Just glad it is almost over.. So once all is said and done I will have $2,170.63 back each month!!! Not sure how I kept all afloat for so long.. But nice to have my paycheck back..

i just logged into cashcure.com to check my account status and it says paid in full. i never even received any correspondance from them after i sent my letter, so i thought i should check. that makes 4 down in less than a week.

Great Job!! - Print that page out and keep in a safe place...:D

Congrats! Glad to hear things working out well for you!

there are 3 lenders that i have not heard from since sending my ach revoke letters. i know they are not getting any money because i have closed my account. do i just wait for them to contact me? or should i resend the ach revoke letters? thanks

Personally, I would just wait for them to contact you. They are deciding what their next options are.

also, i had been emailing integrity advance and they were being stubborn about paying until i asked them for proof of their legality in my state, then they sent me and email asking me to call them and that my account had been sent to the recovery department. i called them and he asked why i was being difficult and not paying, i told him i was not being difficult and all i wanted was a valid mailing address to remit payment to. ( i owe 350 to them). so the guy put me on hold and then disconnected me. i got a voice mail from a woman this time wanting to discuss my account. my question is this: is it ok for me to demand contact only via email? do i really need to go round and round on the phone with these people? does it reflect bad on me to not call them back?

Yes, you can demand communication only through email. It is recommended. If they won't give you a mailing address, then simply forget about them. They know they are illegal and it will be their loss not to give out that info to get their money.

i did make a good faith call to speak to the woman that called me. she put me on hold and then sent me to the manager. he was a jerk. threatening me, also said they do not take payment via postal mail, that they take prepaid debit cards only. i told him i would pay via prepaid debit and when i told him i would pay only the 350 remaining, he started threatening again so i hung up on him. another person called me back and left a voice mail to call to discuss settling the account. i dont even want to play this game with them.

Only respond via email. If they want their money, they will give you the address. If not, it will be their loss.

so something interesting has happened. I stopped receiving phone calls. i was getting several a day from cashcure, zip19 and integrity advance. i know that my state dept of finance has sent a letter to integrity advance so that may explain that one. i sent email to the others asking for proof to lend in tennessee and also notifying them that i was filing with my AG. i also found out from my state that it is the lenders responsibility to ask a customer if they have more than 3 loans out and how much is out. if the customer has more than 3 loans and they are over 500, then the lender is supposed to reject the loan. none of these illegals ever ask and i never signed anything to that effect, so the contract is void. i have been sending that info in my email to them also. i am sure i will hear something from a collection dept, but at least i am ready. anyone else in tennessee dealing with this and has a story to tell, i would love to hear it. thanks!

got another PIF letter today. This one was from GECC (cash direct express). yipee!
For anyone going through this PDL hell, please take the time to read through these posts on this site, follow the directions very closely that the experienced people have put on here, they know what they are talking about. Be vigilant, be smart, be empowered. This CAN be done. I am doing and all I did was follow the steps listed. Keep good records and keep a notebook of contact, phone numbers, times and dates. That is my best advice. Good Luck!

Way to go! Keep PIF in a safe place

i received this email today:
Applicant# xxxxxxxxxxx
Dear xxxxxxxxxxxx,
Your account with Hydra Financial Limited Fund I was sent to National Credit Adjustors, 866-660-1626
Thank you,
FTPIC

what should i do at this point? do i call them and ask for a dunning letter? i borrowed 300 and paid 90. so i owe 210 in principal, which i am willing to pay of course, but i am sure that will not sit well with NCA. i have been reading some past posts and NCA seems vicious.

Your loan was illegal. By Hydra selling it they have committed another illegal act. This collection company will now use threats etc. to try to get you to pay an illegal loan. If you can get a physical address sen a C&D letter. You no longer owe the principal due to this action by Hydra in my opinion.

Yes, NCA is relentless. They are another bottom feeder. Hang in there.