I purchased furniture from Value City furniture. I received a copy of their credit card agreement which is through WFNNB. The agreement says clearly that the minimum payment on deferred interest acct's will be 1% of the balance. They are billing me at 3.5% and when I called I was treated very rudely and was told they will put my acct in dispute and hung up on. Without a doubt, the worst customer service in the world. The rep didn't even know their own credit card agreement rules and denied that it said it. I read it to her twice and she still denied that it stated what I read her.

I have 6 Payday loans that are illegal in my State (PA) I have paid way to much interest that is allowed in my State. What should I do?

Hi, I am just starting to read these forums (great stuff) because I am considering trying to settle some debts. I am curious to hear from some of you who have gone thru the debt settlement process what life is like after settlement. -more specifically as it relates to your credit scores. I have read consistently that "it ruins your credit score". Yeah, no duh. But can anyone share real numbers? Like what your score was before and after.

GC Services employees are a bunch of crooks! They are also rude and disrespectful. I hope someone puts them out of business...and soon!

I am so glad I found this place, I was so down and giving up all hope. They were withdrawing half my paycheck per month in fees. Here is where I stand I took out three pay day loans. Redstone - $500 (paid 540) Sandpoint - $250 (Paid 375) Pack Mgmt/B&L- $200 (Paid 375) The paid amounts are how much they have withdrawn from my accounts. I have successfully put my account on deposit only. I know I now need to send the C&D letters which I am currently browsing for, however one tried to go through today and I immediatly got a call with him threatening me with jail etc.

I received a follow up letter from the NJ Department of Banking & Insurance basically confirming that everest cash advance is not licensed to lend money in my state. They also included some information on next steps to take regarding the issue. Just so happens that the day before I received the letter from them everest contacted me again about paying an outstanding loan or settling the account (I hadn't heard anything from them for about a week and half). I sent them another copy of the C&D letter and included the letter from NJDBI.

I have received a complaint from county court plaintiff midland funding.. The creditors listed in the complaint i have had no dealing with... Either midland or the listed arrow financial (original creditor) what should i do

they have called 6 times already- they wont talk

I live in MD, I closed my bank acocunt yesterday. I have 5 internet payday loans Cashnet USA-Which I know is a CSO Manhattan Processing Sandpoint Capital Cash Plus CMG Group I know the rest are illegal in the state of MD. My next round of finance charges to come out are scheduled for 12/10/10. When should I send the letters to them that they are not legal and I am only going to pay the principal amount? Should I fax them today, since I have no addresses for none of these compaines excluding Cashnet USA. I just need to know what my next step is? Can anyone help?? Please :)

can trs take my nsf check and send it to the da for a warrant in texas