Search forum

So, I just settled my debt thanks to ovlg.com, and have questions. It was about 2K worth of debt settled for about 1K (the creditor was wells fargo). I lost my job last July and didn't make payments to wells fargo or to capital one, or GE money bank until January. Now, OVLG has all the cash needed to pay wells fargo, and has already made one payment, with two more coming soon (then everything with them is settled). I have been making more than the minimum payment to GE money bank and to capital one since January, and I'm wondering how my credit score will be affected.

I have a pdl with unitedcashloans.com and can't find any information about the company not even a physical address. Does anyone know if they are illeagal?

I never knew what a credit score or a report was. But when i hit 33 i was working and going to college and received bunch of credit cards offer that i sign for and thought i had the best reference on the world to receive credit card. When suddenly my job went drastically from 40hours to 15hours and i kept seeking jobs that continue to close due to bankruptcy and by the time you know i was never able to comply with payment and regardless that i kept seeking credit counseling and management.

Has anyone ever received a refund from Emerald Marketing, Impact Cash USA, or Integrity Advance? I have overpaid them by sooo much and i want a refund for overpayments. They haven't even responded to my emails about revoking ACH transactions, my complaints, or anything. I sent a certified letter...still no response.

I have sent about 6 emails each to Emerald Marketing, Impact Cash USA, and Integrity Advanece laste week and still no response. Impact's emails kept coming back saying mailbox full but i finally got an email through but no response was sent. I contacted my Dept. Of Banking - Consumer Finance & the Attorney General's Offie and they sent them letters. I also sent certified letters snd filed complaints with the BBB. It's not like I want them to contact me with their vicious ways but I want my PIF letters and some refunds!

i live in ny. i took out an illegal payday loan with sandpoint capital. After reading this website i sent them my letter stating they were illegal in ny and i was only going to pay the prinicipal owed. After review of records i paid them 390 on a 300 loan, however they insist it was all interest and rollover fees. Everything was quiet for a while.Today i get a call from an 857 area code stating there is a pending judgment against me for 800 dollars and they will settle with me for 200. I ask the caller where he is calling from and he says NJ.

Help!!! I was in a jam a while back and secured a payday loan with Integrity Advance for 500.00. They have debited my checking account over 900.00 over the past twelve weeks. I called today to find out what was up and they told me I still owe the 500.00 plus 150.00 admin fee!!! I've already paid them over 900.00! What can I do? Please help!

Hi, I live in WI. I was told about the payment plan. But first to pay off my loan of 845.00, borrow the money again and then start the plan in oct. I did verbally agree over the phone, but now I feel as if they are sticking it to me. Any advice would be helpful. I'm also on ssdi. By the way...I'm glad to have found your site.

While preparing my e-mails to my pdls for tomorrow, I reread the contract for One Click Cash. It states "if you timely revoke this authorization to effect ACH debit entries efore the loan is paid in full, you authorize us to prepare and submit one or more checks drawn on your account on or after the due date of your loan. This authorization ........ may not be revoked by you until such time as the loan is paid in full. WHAT?

I am in so bad with the payday loans I dont know what to do. I found this forum, and have been reading as many posts as possible. I cant afford to use a consolidation company. So I am trying to do this myself. Yesterday I emailed CashNetUsa with a copy of the letter to revoke ach agreement (I found in the do it yourself section here) Today they sent me this email The ACH Authorization can only be revoked AFTER we have received payment in full of the amount owed.