Okay, here goes. The situation is with JD Marketing, a payday loan company that is on my consolidation program. I had taken the loan out in May of this year for $300, plus the $90 finance fee. I had faxed the form in at the end of June to pay off the loan in full. I shredded the document because I had a previous loan with them before. They never debited the full amount. They continued to take the $90 finance fee every other week for the past six months. I closed this checking account last week. I only have my bank statements showing the debits. I do not have their orginal paperwork.

Yesterday, Wednesday, December 28, 2005. This was supposedly in regards to a loan from January. The lady that I spoke to was Karen Cohen. This lady told me that I needed to take care of this matter that was given to their Legal Dpt. She even stated that she had 2 Affidavits on me. I was given information on how to wire the money by Money Gram. She gave me 866)759-4158 as the # to reach her on when I made the pymt.

:lol: why dont you think god has given u brain its free of cost.its very simple .pay day loan is quick and easy but you have to read the terms and condition carefully

Has anyone dealt with CashnetUSA before? I had a payday loan through them online and have put a stop payment on this through the bank and have joined Town & Country. In the meantime, CashnetUSA is trying different dollar amounts to withdraw from my checking account, they are sneaky.... Anybody else experience this and what would you suggest? thanks

I just recd a phone message today to call 866-225-4872 and ask for Laura Push (spelling??). It said this msg was being document and either myself or my attorney should contact them today. I had a call from Ellis and Crosby probably around Aug and they got me for around $300 . I have my receipt. Are these people legit. What do I do now? Thank you, PA

I just got off the phone with windham prof.(Which i do not recommend. Rude alot of threats and not very curteous). My girlfriend has about 5000 in debts from umass lowell that was sent to this collection agency. I called to see if there was any deals I could work out with them. We worked out a hundred a month.But he informed me that at a hundred a month, the school will eventually take the debt back, tack on another 45% and either send the debt to an attorney or to another collections agency.

I received a harassing call from Allied today. I informed the rep that I had disputed the claim, a year or so ago and had sent letters requesting a summary of payment history. The rep said he saw that I sent letters, but they had denied my request. I asked how would I know if it was denied if they hadn't contacted me. He said in a very rude manner, because "they don't have to". I told him he didn't have to be rude, but I wanted a payment history. He told me that it was too late, it was in collection and they wanted their money and they did not have to furnish any information to me.

I am new to your site, but have found it very informative. I too have been contacted by CRSI. I told the individual that I have an attorney and have asked that they contact him. I did not have all the information in front of me, but gave them his name. They instead contacted my office again, telling the receptionist that they were filing a complaint against me, and then proceeded to get the physical address of my office. In fact, they have contacted my office twice since talking with them only yesterday.

Please feel free to share your experience/opinion about payday loans. Here is what I have learnt so far: 1. Payday loan companies do not report to the three major CRAs. They use another CRA called Teletrack that is used by subprime lenders. Defaulting on payday loans will not affect your credit history unless a lender uses Teletrack and usually only payday loan companies use Teletrack. I personally have defaulted on my payday loans for over 6 months and nothing shows up on my major credit reports. 2.

I recieved a letter from allied interstate about a "AT&T" bill for $177.58. I've never had AT&T for anything. My Identity was stoles about 18 years ago, and they are still using my info. So, how do i go about disputing this bill? I am on disability, so I really need this removed ASAP. Thank You, for your time. Two posts combined to one for easy understanding - Vikas