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I have had a Orchard Bank Visa for a year now. I had no idea that they charge an $80.00 annual fee. Well they tacked it onto my last bill which caused me to go over credit limit, then they tacked on fee for going over limit. Now they want $132.00 instead of the usual minimum payment. My question is, I got a notice that my interest if going to change. How does the opt out option work. If I opt out, do they still charge me late fees or over limit fees each month. What about interest, do they charge my current rate or the new rate. Thanks for any information.

Well, looks like I’ve joined the dubious club of people who got in over their heads on PDL’s. Sigh.:( Mine was through a series of unfortunate events (aren’t they all?) that just dominoed into the current mess. My mother passed away last Sept. and I used all available leave and my savings to go to to her funeral several states away. Not a financial disaster…yet.

I am wondering if anyone has the address & fax number for Check Recovery Services? I need to send a cease & desist letter along with a debt validation letter to this company but when I called them (866-331-3124) they refused to give me this information stating that they do not give out that information and that there are several locations, blah blah blah. could someone please help me? Thanks a bunch!

I recently enrolled in Innovation Financial Consulting federally reconized program, and they were very professional and corteous. I will give updates as my program progresses.

Hi, Just found this site and have been reading the posts. I am getting calls from a John Alexander. He says he is from "National Payday Loans" and he gave me this phone number, 727-362-1242. He knows my name, my bank account number, my social security number, date of birth, and the whole 9 yards. He said he is calling because I took out a payday loan, and have never attempted to repay it.

I have sent Discovery and I have gotten no Response from the CA JD Buyer , It has now been over the 30 day limit that you must answer, My Def is No Business Relationship with Plaintiff, Could I request a dismissal before the case managment Conf ?????

I'm asking this for one of my co-workers.. he stated he applied for a Payday Loan on a website Nationwide Cash and then he rec'd email from Capital Funding Express stated that he was approved for a loan and a rep will call him. Which it was a different Payday loan from the site he applied.... So he talk with the rep as they verifed his info. He stated they call his Bank while on the phone as they verified that he does get direct deposit and that his bank account was active. He was approved for 300.00 but the extension fee is 90 he wanted to know that he didn't get scam!!!

I sent out a boat-load of DV letters approximately 3 weeks ago. So far, I have only heard back from 2 companies, and one of them went ahead and agreed to a payment plan - yay!!!! New World Collections if anyone has to do deal with them, they will work with you and there was no yelling - which was a nice change. CMI on the other hand....idiots.......anyway I signed ALL these letters!!!!

Do you have to close your bank account to stop PDL's from taking automatic withdrawals? I have called them to work out a solution and they will not.

Very cute :-)))),