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I send one of my PDl's a complaint letter at the beginning of April, telling them that they overcharged me by $245 and I was demanding a refund (I knew my chances were slim). I borrowed $200 and they were continuing to take out $89 every two weeks. In ended up having to close that checking account. Yesterday they send me an email telling me that they were going to credit my account but needed my checking information. I called my bank and told them the situation and he suggested that I do give them the information, but if there is any money deducted, then the bank will dispute it.

Got a call the other night from SRS & Associates, telling me I had till Friday to resolve the issue with their client, Total LEnding, or legal action would be taken against me. Told him I was in the process of dealing with Total LEnding for my principal balance only and that since they were doing business illegally in the state of Florida, I would not discuss this any further with him or his company.

The Norfolk, Virginia branch of the Better Business Bureau must be on the take from Portfolio Recovery Associates' payroll. PRA has been harrasing me for months on a debt that is over 10 years old and out of sol violating every FDCPA and FCRA rule out there. They refuse to validate, they refuse to stop calling despite a cease and desist, they keep reporting it on my CRs, they keep posting ghost payments to try to renew the sol and they keep sending me fake summons. Aarggg! SO... I contacted the BBB to file a complain about PRA and I my case was transferred to the Norfolk BBB Office.

I've decided to try to get to grips with my student loans, finally. It's been impossible before due to my precarious financial situation, but now I feel I've reached an even keel (ironically given that the economy is in the tank). But I need some advice on how to deal with the lenders. My specific situation is as follows: I graduated over 12 years ago, so my loans are in deep default and almost half of the 60,000 I owe is interest.

Okay, so I'm extremely glad to have found this site. In November 2008, I moved out of my folks' house and needed a quick run at some money to put down a security deposit. The loan was taken out on 10/31/2008 was for $400. Payments were as follows: 11/20/08 - $120 - leaving my account at a negative 116.95. Payday/Direct Deposit was on 11/21/08. 12/03/08 - $120 - leaving my account at a negative 107.55 Payday/Direct Deposit was on 12/04/08 (notice a pattern?) Then I started getting into trouble...

The lenders I had listed, I have in the past had previous loans, multiple times and have paid them off. Now, since they are illegal and not licensed, am I able to have fees paid on previous loans and on my most recent loans applied to the principle outstanding balance? Just curious since it appears the fees are illegal to charge. And obviously, hopeful to help reduce the balance. Thank you again.

Hi MCA, I applied online to Regions Bank and received an email the next day telling me that my account is approved, and that I need to go into the branch to sign my signature cards. My question is my chex systems report is horrible so do you think that later on they will close my bank account? Do you know if they do sweeps? I already have a Suntrust Accont, but if I can get Regions Bank as well that would be great but I just dont want to get my hopes up high. I will keep you updated on the outcome as well.

We have started working with a debt consolidation group and we pay $3000. a month $40.00 goes to the company which is with the BBB. I feel that paying this off in 4 years is going to be too hard on us financially is there any way that we can ask for them to change it a 6 year term.. My husband and I are working 2 jobs apiece to try to make this work we got ourselves into this mess (due to bad financial choices and too big of hearts) and we will pay it off. I uld just like it to be less stressful. Thanks

I do not qualify for many programs as I have about $2500 - $3000 in credit cards. I signed up with Care One and wish to change to another company. Can I do this?

how long is bk reported? i've read upto 10 years..what does that mean? Ch 7 vs. ch 13.....