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My son charged $170 worth of premium texting and internet usage on his phone. I blocked the internet usage so I am unsure how he did this. The texting is things he receives from 3rd party texting...but I blocked texting as well. Verizon is playing stupid saying that texting was not blocked. Do I have any recourse on this? He is 11 years old and only has the phone for emergencies. However, the phone is now taken from him and he will not get it back. We have been verizon customers for 11 years and this is a hard one to swallow.

First off want to thank everyone on this site for trying to help others. Reading through alot of topics really helped me with my situation with PDL companies. Am still slowly getting rid of them currently, but further along than I would have been without this site. First off all three of my PDLs are storefront. I called the corporate office of two of them to set up a payment plan or at least an EPP. Both told me to contact the store if my loans were current and talk with them. I did that and neither store would offer anything till the loan defaulted, not even an EPP.

I won a $6,000 (mlaximum) judgement against a contractor who installed tile badly in my home and caused $7,500 in damages to walls, baseboards, and various other areas...including dumping grout residue down one of my toilets which may have caused pipe damage.

Can I revoke my ACH payment? ACCORDING TO CASHNET USA: No. The ACH Authorization can only be revoked AFTER we have received payment in full of the amount owed. Because our advances are single payment advances (that is, we advance a sum of money that is to be repaid in a lump sum), we are permitted to require ACH repayment in accordance with the federal Electronic Funds Transfer Act ("EFTA"). Under The EFTA, a lender cannot require a consumer to repay a loan by means of preauthorized electronic funds transfers as a condition to approving the consumer’s loan.

I have a new CA calling me, I found them on my credit report this morning and they started calling this morning. Anyway, I do owe the money, but I have no way to pay this at least right now anyway. This debt has been with other CA, but I've managed to put them off. I want to answer the call, but I really don't know what to say to them, without confirming or denying anything. Does anyone have any suggestions?

I recently got in over my head in payday loans, to focus on paying them off I had to close my past bank account so I could stop incurring the fees and start paying them off one by one. To my surprise LoanPointsUSA began debiting my NEW bank account for $400 at a time, do they have authorization to take money out of any of my accounts?

I need to get a CC to boost my credit. I currently have no revolving accounts, which i know cripples my score. I have student loans that are all current, but they had past delinquicy (2005). They also have a I guess high balances compared to amount borrowed. I also have a few accts in collections, which are being paid and stem from either a PDL or one bank overdraft. At last check my EQ score was around 637, I think the others were low 600s though time has passed since i last checked and i got one CA deleted since then, which I assume helps. Is there anything out there I can do?

I sent GC Services a letter requesting validation, their reply was to send 2 more collection notices and pass on the "account" to National Enterprise Systems. So do I now send a validation request to NES, or do I assume that it is further attempt by GC to illegally collect a debt ?

:oops: I am quite embarrassed to say this but I have fallen into the depths of hell with online payday lenders! I am meeting with my atty, on Monday to discuss a chapt7 or 13, to help me out of this hole, I need to know 1st, is this a wise thing to do, 2nd- I closed my account at my bank. And 3rd can some one tell me the numbers and adresses for these places?

ok, so like everyone here i am in the payday loan mess....i put my acct on dep only and they still put the fees through....i opened a new acct and bank of the west refunded one of the charges but the other two they are saying are "first time web charge" and cant be refunded and told me to talk to the merchants.....i have told them MANY times that these companies are not legal (im in nebraska) and the bank doesnt seem to care. any suggestions would be great. the two companies are solomon finance and the cash spot thanks