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Date: Fri, 05/31/2013 - 06:14

Submitted by overmyhead
on Fri, 05/31/2013 - 06:14

Posts: 11 Credits: [Donate]

Total Replies: 4


I had a number of payday loans that I sent a letter to, per the fine help of this forum. 3 of the loans were illegal in my state (Texas). One of those (Flash Cash) came back and said they would waive some interest, but not all. I responded that I would pay principal only. They never responded back.

CashWeb USA never responded to 2 emails. I owe them about $300 in principal. I've asked them how to pay this and gotten no response. Golden Valley never responded, but I had already overpaid the principal.

What do I do about these illegal lenders who are not communicating with me? I don't know if they have tried to call me, because I block 800 and unidentified callers.

I worked out pay arrangements with the legal lenders and will pay the last one off next pay period. Still, I'm worried about the principal I owe to the 2 illegal lenders (about $700). I am willing to pay this, but do not want to pay without some agreement and have no means to pay them without an address or pay instructions. I do not want to talk to them, but they seem unwilling to communicate via email.


For your illegal lenders, you dont need an agreement. Legally you owe them nothing!! You pay it back at YOUR convienence. You dont need their appproval.


lrhall41

Submitted by SOAPLADY on Sat, 06/01/2013 - 03:37

( Posts: 17315 | Credits: )


Also, if they don't send you something with an address to mail the payments to they get nothing until they do - you have proof that you have requested.. just put the illegal lenders on the back burner until the send you what you have asked for in writing, period..


lrhall41

Submitted by HelpinAZ on Sat, 06/01/2013 - 04:15

( Posts: 1870 | Credits: )


OK. It sure looks like they are not going to respond in writing, as it has been about 6 weeks. I sent follow up letters and received no response either. I suspect they have tried to call me, but I block 800/anonymous calls.

Do these illegal lenders usually put something on your credit report in these cases? I just worry that it will follow me...

The three in question are Cash Web USA, Golden Valley and Target Cash Now.


lrhall41

Submitted by overmyhead on Mon, 06/03/2013 - 09:44

( Posts: 11 | Credits: )


Have not dealt with those 3 personally - but if they do report on Credit you will dispute.. If they don't respond in writing, they get nothing...


lrhall41

Submitted by HelpinAZ on Mon, 06/03/2013 - 17:37

( Posts: 1870 | Credits: )