Did I understand correctly when someone around here said, when you file a lawsuit against one collection agency for several violations of the FDCPA, you must file a separate lawsuit for each violation?
This site is ACN. ACN is a debtor help company?? This same company is harassing ME with collection phone calls for someone I hardly know and haven't seen in almost a year. Refuse to quit calling. What low life. I wouldn't do business with this trash company.
I too, am in Kentucky and have EIGHT PDLs - can anyone advise me on how to deal with these? Or tell me if they are licensed in KY? All are internet lenders. I am drowning...
PayDayOne
PayDayLoanToday
Americash Advance
Zip19
CityView Cash (Red River)
PayDayLoanYes
ACC
LoanPointUSA
:D I am so happy to be online after being without internet for almost a year. It took me awhile to get over the withdrawals,but i survived. I hope all my old friends are still here and doing well. It's going to take my awhile to read over the posts (boy, it been a lot) but i will be checking in everyday. :hug:
JUST WANTED TO POST ABOUT THE BETTER CHOICE LOAN.I HAD TALKED TO A VERY NICE WOMAN AT THE DEPT OF BANKING IN PA ABOUT MY PAYDAY LOAN SITUATION AND SHE RECCOMMENDED I LOOK INTO THE BETTER CHOICE LOAN OFFERED AT MANY CREDIT UNIONS.IT WAS OFFERED AT MY CREDIT UNION AND I ASKED ABOUT IT AND EXPLAINED MY SITUATION.THEY WERE VERY NICE AND THE LOAN PROGRAM IS PARTIALLY SUBSIDISED BY THE DEPT OF BANKING.I REQUESTED TO BORROW THE FULL AMT WHICH IS $500,THEY TAKE OUT $25 PROCESSING FEE AND THEY HOLD $50 IN A SAVINGS ACCT UNTIL YOU PAY IT OF.TOTAL WITH FINANCE FEE OF 15% IS $512.66.I HAVE TO MAKE 2 PAYM
Hello,
I am in the process of getting out from under a payday loan fiasco...LOL I have read many of the posts and I am trying to go about this in the correct way. I have 5 PDL's that I am unable to pay for. I have contacted my bank and put a stop payment on any and all amounts from these agencies. I've also faxed/emailed letters to the 5 companies revoking my authorization to withdraw from my account. My next step is to make arrangements with these companies. How do I find out if they are even legal and what is fair?
I finally received a letter from One Click Cash regarding a refund! The only reason that I received this was due to the fact that I involved the Ohio Attorney General's Office.
Hello,
I had a CC when the .bomb went off and was forced to close my company and take a meager job to pay bills. I had $5 a day budget which obviously did not include the CC payment. The original amount that I owed was about $4k. This then went through the late fee, late fee, late fee/over the limit fee until they finally sold it. Now Asset Acceptance has it and they have run it up to $18k!
Woohoo!!! I am official now!!! Thanks again - turns out it was my firewall (go figure). But now I am *finally* logged in. Woohoo!!!
And day eleven and still no dunning letter, and no further calls from CA after AT&T told them that the account was sold in 2001. So thank GODS I came here first... otherwise I would be paying on yet another debt from my ex-husband which the SOL had long passed. Seriously, I am so grateful...
Life is good =) Gonna go watch Monster House again with my little man. He likes anything with monsters or skeletons in it (just like his mommy).
Patti