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In the middle of a PDL NIGHTMARE. Reading and following instructions here, I have knocked one out in less than 24 hours.

Lender: Sierra Financial dba Sierra Lending

They have been KILLING me with finance charges on a $400 loan. Of which I have overpaid approximately 3 times. I emailed them one of the sample letters in this forum stating I need them to provide me with proof of their license in Texas, stating laws in Texas, revoking ACH, requesting a refund and only allowing contact via letter/email.

Less than 24 hours later, I have received a cease and desist email from them and a paid in full confirmation.


My only regret is not seeking the help of this forum sooner.

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