I know that I'm not a registered member here but I have been reading the forums for a long time. I noticed yesterday that there were some disturbances (for lack of better word) in the main forum yesterday. I do not understand what direction this forum is heading but I hate to see members squabbling. I also hate to see the "older" members like KYSIDE, MISHELE, STEELERS, TAMMY,FINS, IRISH, being corrected all of the time. I learned a lot from these gals and they helped me get out of my own payday loan mess. This was just by their postings.

vital recovery services are harrasing me for an old debt That is not on my credit. I Sent a letter stating the fair credit act. They are still bothering me.

I got a call from PaydaySvcs this morning and put them on hold while I looked on my spreadsheet - I borrowed $600 and have paid $650 - if I went by NY small company they would be able to get $150 in interest. I offered to pay $100 today to be PIF. They checked with supervision and called me back and accepted the offer. I told them to email me the details on how to get them payment and make sure they marked the PIF in the email and I would send it today. I know some of you will think I'm crazy but in my heart I know I borrowed the money in good faith and I am willing to pay the 25%.

I was wondering if anyone out there has actually had ANY luck getting a PIF or Settlement with CashToday?

How can I get the telephone number for this T&C? Having problems paying back a pdl(payday loan). Will they prosecute me?

Are there good PDL companies? can you suggest us some good PDL companies and why they are good.

Now when government knows that PDL companies are charging heavy interest rates like 300% per annum then why is govt not banning such companies? Are these PDL companies legal? Is there any upper limit for interest rates?

[[Thanks for this forum, was much needed]] When a person need quick cash he goes for payday loans. We know people who take payday loan are basically under urgent financial need and are with poor credit standings. So what can act as alternatives to payday loans? Help us with Also let us know, [list=1]

If you have ever taken a payday loan.

The reasons why you took a payday loan.

Were you aware of the high interest rates on these loans? Lets find alternatives to payday loans.

before accepting a credit offer, is it possible to ask the collection agency to send a letter to the credit bureaus to remove the negative information.

I have sent a validation request letter to a debt collector that does under a law firm name but all they did was sent back a stack of statements. Is that consider debt validation? How do I proceed in getting the rest of the information I requested for? Also I checked with dept. of consumer affairs and it stated that now license was found under their law firm name as a collection agency. Are they legally able to do that?