Search forum

I have 2 payday loans 1 with SSM Group LLC and the other with summitgroup.Both for 150.00.I live in Pa.Are they unlicensed/illegal ?Will needs less to say someone got a hold of my banking info.My money is gone.Had to close my acount and can't pay these now.

is there any way to get this off my credit file?

I sent out a request for direct negotiations to a credit card company that has negative marks on my credit file. they sent me a letter back saying: The above referenced account is no longer owned by *******. It has been sold to HILCO Receivables. If you have any any questions, or need additional information, please contact them. What should my next step be? Should I negotiate with the Collection Agency for pay for delete? I don't have the CA on my file -- however, I DO have the OD on my credit file -- should I dispute this with the credit bureaus??? Please help!

Hello, was managing my PDLs pretty well, but recently have had to take a lot of time off work and it started to get a bit out of hand, taking out one to pay for another etc. I only have 3 out, one for 500 one for 400 and one for 250. I couldn't afford for them to be hitting my bank accounnt all the time and paying non sufficient fees so I closed the account. Now the calls are coming and thus far they aren't being too nasty, but I'm so far behind with everything else I'm not in a position to make any payment arrangements just yet.

I recently canceled my account with credit solutions because i was very unhappy with their service.I was enrolled in the program for about 5 to 7 months. They did settle 2 out of 9 accounts i had enrolled with them. I sold one of my cars to help me get out of debt faster. With that money i decided to settle my remaining debt on my own. Once i tried to remove the accounts out of the program due to myself doing all the work. Credit solutions did not remove them at 100%. What they tried doing was removing the cards at 55% making me pay 45% of the fee to them.

I sent out a request for direct negotiations to a credit card company that has negative marks on my credit file. they sent me a letter back saying: The above referenced account is no longer owned by *******. It has been sold to HILCO Receivables. If you have any any questions, or need additional information, please contact them. What should my next step be? Should I negotiate with the Collection Agency for pay for delete? I don't have the CA on my file -- however, I DO have the OD on my credit file -- should I dispute this with the credit bureaus??? Please help!

I've done PDL's in the past out of pure desperation. I hated doing it, but at the time it was a tempting solution to buy groceries or pay the mortgage during various financial setbacks. So my question to any of the experts here is this: How can they charge 300% interest when other lenders (car, mortgage, personal loans) cannot? Why is it so difficult for the governement to step in & cap the interest they charge when they monitor all these other places? Just curious.....

I started taking care of my PDL's through this wonderful site and the State of Maryland in late 2007. Thankfully I'm in the clear now, except for the occasional recorded telephone call from United Cash Loans. As I began this process over a year and a half ago, I'm just curious, what's the longest period of time anyones' had where the PDL's try to contact you?

OK, so last year I was with citizens bank, and my account went into the negative by only a few dollars. They then charged me the overdraft fee of $35. That was fine, and I was willing to pay that. But THEN I got all of these other overdraft fees of 35 dollars for items I purchased up to two weeks BEFORE my account went into the negative!!! They said because the transactions hadn't gone through on their end yet is the reason why I was charged all of those fees.

I am late on my bofa credit cards and received a call from Creditors Interchange. They said bofa was going to sue me unless I settled. They sent me a pay off letter to settle for 50% of the balance. The letter doesnt say bofa nor the account number. It reads FIA Card Services, NA, the last four digits of the account number, and balance. I looked up FIA Card Services and I guess they are affiliated w/ bofa. Has anyone else heard of them or dealt with them before.