I am so done with my credit union! This afternoon they allowed a debit of $485 from payday max to go through my account---which leaves me a grand total of $92 in my account. Not to mention my $200 power bill that will come out tommorow! I had to run to the bank 15 minutes before they closed and fill out a penalty of perjury form. Now I don't know how long it will be before they put my money back in. I am just frustrated. If it wasn't for the kinds words and great advice I get here at this forum, I think I would lose my mind.

I signed up and a company followed up with me. I need the phone # to talk to the company, if someone in customer service could please contact me with the phone# i would really appreciate it..thanks.

I put up a link a few minutes ago, that has helped me a great deal in identifying payday lenders in particular. They have so many aliases, you know. You type in yadayadayada.com, and it gives you quite a wealth of information on the domain owner. I thought it might help some folks... Alas, it has vanished? Where forth did it go? :?

Okay--I received a bill in the mail on October 6,2005 from CCA (collection company of America) concerning a cingular debt. I sent out a letter to them on October 26, 2005 disputing this debt and asking for validation. Still haven't gotten it or heard anything else from them about it. Got a new credit report today and they're on it. Isn't this illegal for them to report to the bureaus when I have disputed and asked for validation? On the back of the statement is my 30 day right to dispute and ask for verification and they will obtain it for me. They didn't.

...just got off the phone with their supervisor and explained my situation. He was very nice and extended me two more weeks without fees to get them paid. Trucking right along today, only 3 more to call and hopefully will have success. One thing he did say was if anyone has any pdl's they can't pay CALL THE CREDITOR'S first. It's much better and most will work with you if you can't pay.

Hello to everyone! This is my first time here and I am so looking forward to getting some good answers. From what I have read I really like the repsonses. My situation is about the same as all of you. I took out a payday back in November of 2005. The loan was for $200. This loan has turned into a $1600 loan. It was never my intention not to pay it back, but things do happen.

My credit union has been a pain to work with - is there an alternative to closing my checking account? Some of the PDL companies are continuously trying to debit my account, each time that happens, I incur a $24 fee. I have paid so many salaries in the past month, its ridiculous.

Is the payday loan company cash-advance.us the same as cashnet 500 if not what is there address

I don't know if this is the right forum to us but I was wondering if anyone can suggest a good basic,simple budget worksheet. I don't need anything to involved but as I am trying to get by debt down I really need to figure out a budget plan. Thanks for your help.

Ok, so this is a continuation post stemming from another thread I had started. Hopefully somebody can point me in the right direction. I had a Citibank card that went to charge off and was bought by NCO. I settled and paid off the settlement with NCO in 5/2003. Equifax still shows the account as an open collection.