pdl update

Same thing I am getting from them - I tried to make post earlier - it got stuck by spam, hoping it shows up later if not I will try to re-post. - I am just ignoring them and waiting to see what they do... I have a big folder of their mail... LOL - maybe they could save some money there... 

should only be 684. not paying more.  what are your thoughts helpin az???

and they would forget about the two payments i have missed. but id still be responsible for the 1,000 plus 500 fee. they also wanted me to update phone # . i dont think so. ive already made two payments and balance

lol, ok. i got another letter from cash call today. they said they would bring my account current if i paid 198.19 by 1/18/131

im sorry what does that mean waffles?

You should always pay back the principle of the loans but do no let any of your other bills fall behind for the illegal lenders.  If you need to skip a month or 2 because you just don't have the money that's fine but you should when you have the funds send them a little until the principle is paid.  There is nothing that illegal lenders can do to stop you from doing this as the contracts are void and unenforceable.

i do plan to pay them back just want to get ahead onmy bills that fell behind from the payday loans. I was just more curious what they could do if you didnt.

I am not sure - from what I understand only morally obligated to pay back principal - on our own terms... I would think that means when can.. I don't believe any of them can sue... they might turn over to collection but being that they are illegal it makes the contracts void to begin with. 

so what would happen if we never paid back the principle on the ones we still owr some?

saying we really dont have the money?

well i have borrowed the $299 a couple of times and they take $324 out your net pay check. they call it a line of credit that you can keep borrowing from as long as the amount is paid back the next pay period. But since I have been on here I have not paid back the $299 because I didnt know if it was like the payday loans and illegal. The website says its a tribal lending entity owned by the turtle mountain band of chippewa tribes reservation, north dakota, a soverign nation located within the united states. Really who comes up with these names????

LOL on the names, I would treat the same way as the others.. revoke ACH and email them...

bingo!! lol so i went to lunch and sent instant loans that email you suggested and they replied. they wanted me to call so i sent another one back saying nope im only communicating via email and if they want to set up arrangements to send me back an email stating they agree to my offer to pay remaining principle and my account will be paid in full after. Its funny though they say my principle balance is $120 and I know its more like $320. So lets see if they respond again....

here we go lucky day.

Dear XXXXX

Kindly note that we agree to the closure of this loan with $120 and your account would be treated as paid in full post the receipt of this payment.

Please find mentioned below the address for sending the money order:

Instant Loans USA
427 N. Tatnall st. Suite 95853
Wilmington DE 19801

Great news and $200 less than you thought!!!! keep copies of all when send with a copy of this email from them and I would attach copy of email with payment asking for receipt.. I would sent CMRRR, so you have proof received.. 

so i just got another message on cell stating i need to call instant loans usa within 24 hours that its urgent. should i bother calling them and tell them again what i stated in emails and that they need to stop calling or should i just keep ignoring the calls?

Happy Holidays!! Looking forward to the updates.

I know if they were legal they wouldnt try to drop it so much. they are doing everything to get some money,lol. mobiloans who I had 1000 with had agreed to me paying principle only Iave a printed email from them. but yesterday I get an email saying they are willig to drop balance if I contact them and make some arrangements. should I see if they go even lower than the 1000 or leave it at what was already agreed?

yes they went in the file

It might be worth seeing what they are offering.. I have no dealings with them - their loans always seemed strange to me so I had never gotten one with them... I would send them a response email and see if they will communicate with you that way... that way you will still have everything in writing...

ok i will try emailing them and see what happens

ok so I got offer #5 from cash call offering 18 payments of $100 which would be $1800 when I borrowed 1000 plus their $500 fee. hmmm so they make out with even more money, I dont think so. Should I even bother to email them saying no way or just keep ignoring them????

sounds good. Yes when Im home I will list the others and balances. These will be the ones I have not heard from at all. thanks for your advice once again.

RE: Loan ID: 18806801
Want to lower your loan payments and interest and get a fresh start with CashCall? Here is how you can do so:
As you may be aware, your account is delinquent at this time. We will lower your payments to $125.03 per month, re-amortize your account to bring your account current, and reduce your interest rate to 79% you have until January 31, 2013 to accept this offer by doing the following:
 Pay us at least $125.03 in certified funds (Money Order, Certified Check, MoneyGram{Code: 3299 City: Anaheim, CA} MoneyGram fee may apply. No personal checks.
 Sign and fax to us the attached Modification Agreement outlining the new terms of your contract.
 Please Note: Collection activity will not cease during this offer.
Upon completion of the above, we will bring your loan current and you get a fresh start with CashCall. We will report your CashCall loan as CURRENT to the credit reporting agency and you will be on your way to raising your credit score.
Don’t let this incredible deal pass you by. Act NOW, or if you have any questions about this fantastic deal, please give us a call. We are here to help you!
Sincerely,
Gaile Kefallinos
1-866-899-1844 Ext. 6598
Return the signed agreement to: CashCall, Attn: Loss Mitigation Team, P.O Box 66007 Anaheim, CA 92816 or fax it to (949) 225-4697.
This communication is an attempt to collect a debt and any information obtained will be used for that purpose. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.Re: Loan Modification Agreement
CashCall Acct. No. 18806801
Dear LISA ROUSSEAU:
This modification agreement (the “Modification Agreement”) shall confirm the agreement we have reached to modify the terms of your loan with CashCall (Loan No. 18806801.) Please read it carefully and be advised that the terms of this Modification Agreement will only be effective if you sign, date and return the acknowledgement below. If you fail to sign and return the Modification Agreement by January 31, 2013, the terms and conditions of this Modification Agreement shall be null and void.
You have represented to CashCall that your financial circumstances have changed such that you are no longer able to meet the full monthly payment obligation (the "Monthly Payment Amount") under the terms of your CashCall Promissory Note and Disclosure Statement (the "Note"). Based on this representation and subject to the terms and conditions set forth below, CashCall has agreed to lower the interest rate on the Note and extend the maturity date of your Note from the current contract maturity date to a new maturity date (“Modified Maturity Date”). The modifications set forth in this agreement will lower the amount of your monthly payment (the "Modified Payment Amount").
Please see the details of the modifications as follows:
Current Interest Rate: 149%
Modified Interest Rate: 79%
Current Payment Amount: $198.19
Modified Payment Amount: $125.03
Current Maturity Date: 11/1/2014
Modified Maturity Date: 3/1/2015
As long as CashCall receives your signed and dated acknowledgement and agreement to this letter by January 31, 2013, the Modified Interest Rate, Modified Maturity Date and Modified Payment Amount of $125.03 will become effective with your next monthly payment due on March 1, 2013.
Please be advised that this Modification Agreement will not change the outstanding balance on your loan, which is currently $1488.06. This is not a payoff.

Like I stated above on the ones that you have not heard from  you can resend email to them if you feel better about communicating with them - add something like "I have tried repeatedly to get in touch with you to get this resolved, if you want your remaining principal you will respond to my email via email. If not then I can only assume that this matter is closed and my account with you is marked paid in full." What and when you repay them is in your court! But, you need to get them to agree to or you are just throwing money away, I would just send them the email and then wait it out. How long has it been since you started the process? The above amounts are the totals still owed after all payments have been subtracted? 

yes definatley want to be done with them I will email them tonight. no never heard from mobiloans and the email was confirmed it went through. I did get my tenth letter from cash call today :)...still havent heard a word from vip loan shop or red leaf. what if I never hear?

:) remember it is no longer about them... only you!! 

You do know that they all received the original letters - correct? Just remember you are in control.. it will take time... I have been dealing with WS/CC and Plain Green since Oct.. just stand strong.. keep us posted on any progress... What did you get back form One Click and Castle - just telling you that it was with compliance?

@ helpin az,

I received an email from great plains today, they agreed to accept my remaining 116 principle as paid in full. i orginally told them i would mail it out 1/30/13 but didnt because i had other things to pay. so sent me an email today reminding me they havent received my agreed payment yet and what my next action is. how should i respond. do i tell them reasons or just say i will be sending it when i can??

I would just ignore and block their number.. It is up to you- You could send them a reminder email that you are wondering why they are calling you since they have already been notified that you will only communicate via mail or email. I personally would stay off the phone with them, I am sure a phone call will only frustrate you more. 

oh i will thanks. It was so funny how quickly they responded after i sent that email. it was instant. Now on to the others...

lol sounds good to me. I will destress now :). I will keep you posted

Really at this time I think all you can do - I wouldn't let it stress you too much if they want their money at all they will respond.. And for the ones that have already agreed it is because they knew they were illegal and they will be fine with when you can send - like I said if you want send them $1.00 at least then you know you are paying LOL -:)

Im just worried which i know everyone says not to because they are illegal. But the ones that have agreed to my terms I wont be able to pay for a bit because im so behind on other bills because of these pay day loans. So the three that agreed to just finish paying principle, jupiter funding, great plains lending, and mobiloans who i originally said id give money to at the end of January I really wont have until february. Is that ok?? I blocked Instant loans usa's number last night and sent them another email. I dont have the list in front of me of th balances on the others they are at home. But I havent heard a word from any of these other companies. i dont know if I should just keep playing the waiting game???/

I would treat Snap Credit the same -Tribal Illegal - How much have you already paid them on the $299.00 borrowed? 

Yes, it is OK, just tell them you had a change and you will be paying- If you feel better send them a payment for $1.00 until you can pay in full, you are in control this time -..not them! Waiting is the game on the others, you can resend email to them if you feel better about communicating with them - add something like "I have tried repeatedly to get in touch with you to get this resolved, if you want your remaining principal you will respond to my email via email. If not then I can only assume that this matter is closed and my account with you is marked paid in full." 

I have to laugh when they say that your account is in their "Compliance Dept". Makes it seem like they want to follow the rules, right?

Just wanted to say congratulations.. Keep up the good work!! - Remember we are here for you, even if just to chat....

Thanks so much. You have helped me so much I cant thank you enough. So I just got a pleasant email from Castle PayDay stating their usual bull. But they are trying to get more money out of me even though I have overpaid. They sent a proposed settlement want like another $300 from me but no way they are getting it. They said if I dont they will send to a third party collection agency and that I have to reply back to the Tribal Association. Can you tell me whats the best thing to reply back to them?? Im basically thinking to just say your not getting any more money and go ahead send to a collection agency??? Your additional help would be appreciated "HelpinAZ" :)

I am glad that I could help, glad that I am back on the forums too...

I would remind them that they owe a refund and how much, tell them if they want to go ahead and send to a third party collection fine, your will tell them the same thing. Not sure what the Tribal Association is, but hell cc them on the email as well I guess. You can tell them if they would rather just mark the account paid in full, you are willing to forgo pursuit of the refund.

This is what I last sent to Plain Green, of course I haven't heard a thing from them since, LOL "Dear Plain Green,
Do yourself a favor and mark my account paid in full. I am not paying you another cent - you owe me a refund of $1002.89, that I have paid on my loans with you. If you charge me off to collections I will not hesitate to not only cease and desist them, but make them aware that I informed you I am aware of the illegality of the debt and the fact that I will not be paying any remaining balance and that you in fact owe me a refund again for $1002.89. Cut the crap and save yourself the time.
You lost this one, I know that you are illegal to loan in the state I live in.
Love,
Your past customer"

I think what he meant to say - was "They can do absolutely nothing - to make it simple" 

lol, I love that, think I will use it. It might not have been Tribal Association, it was Tribal something, dont have the email in front of me. But they can take a hike too. I will keep u update on how things go.

Waffles suggested most of it, I can't take credit for that all..
I will look on here for you - I have started to keep notes so I can find the treads for now to make it easier to find. LOL.
If you need anything let me know..

Well thank you too waffles, lol. Believe me it took me awhile to figure out how to register.lol. I know where to find you too so believe me if I need more advice I will let you know. Im going to go pester a couple more pdl's that havent responded back.

What do you mean consolidating? using an outside source to pay these people? NO!!! These are illegal lenders... List out the ones you still owe and how much? you just need a plan that  you can live with - you have already gotten most of them to agree to your terms, why would you need a consolidation company? 

I have gotten like 3 of those so far, they are in the file with the rest...

They can absolutely nothing to make it simple.

Hi Helpin AZ , Yes these are the remaining balances minus what i paid in fees. I wasnt planning on sending any money until i get an agreement from them. I will do what you suggest and resend the above email to them.

I have not began the process of worrying about getting them off my credit - I will worry about later... You did the right thing with them as for calling your work.. You can file with the FTC, you can send a C&D - doubt they would follow... I would also block their number... 

how do i get cash call off my credit reoprt they have me as 60 days past due. I did a dispute online with the credit report but is that all i can do? Also I just finally got a call from instant loans usa at my work. I told them not to contact at work and by email or mail only would i discuss anything. Was that the right thing to do??? How do I keep them from calling again? They also called my cell phone and left a message stating if i did not call back i would be in serious trouble.