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Indiana - online PDL Troubles

Date: Wed, 09/05/2007 - 07:59
Submitted by BikerGirl on Wed, 09/05/2007 - 07:59
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I live in Indiana and I have taken out several online PDL's. A few of them have just charged me the interest for over a year now. I am in a trap and can't seem to get out of it. $300 a week is taken out of my checking account and that is just the fees. The companies I deal with or have Dealt with are Cash Direct, Up Front Pay Day, Paycheck Today, Discount Advances, Interim, Instant Cash Til Pay Day, One Click Cash, MTE, and Zip Cash. Any suggestions would be helpful.


me again, Bikergirl... I printed this letter out and I am going to use this along with my cease letters to see what happens. I am also going to file complaints with AG. I also found another letter stating that if they charged over the allowable interest that the loan would be void as well. Just gathering me some ammunition, lol.


Submitted by on Thu, 09/06/2007 - 16:47

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If you check your earlier posts..I checked all your pdls already...please read the info I posted for you earlier in this posting...all the info is there for you.

That secondary letter from Indiana..I was told any loans made after 07/01/07...if the pdl loans more than 25 times in the state without a license they will be rebuked. File with our Indiana AG's office they were very helpful to me.

If you need anything else please let us know...


Submitted by Morningstarr430 on Thu, 09/06/2007 - 17:20

Morningstarr430

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I went to the AG site and printed off the complaint form;http://www.indianaconsumer.com/consumer_complaint.asp

I filled one out for each ipdl I was complaining about. I had 5 that I had paid/overpaid. Then I attached to each complaint the C&D letter I wrote, and an emails I may have ahd from them. I then wrote a letter explaining how I had gotten involved in these loans without realizing the illeaglity of it all..and how I was trying to set things right. I asked for help.

About a month later I got a letter saying my complaints were being investigated. About a month after that I got another letter from the assistant AG that was handling my mediation. He sent me a copy of the first answer they had gotten with recommendations to accept their offer. It was the 1st PIF I got from them.


Submitted by Morningstarr430 on Thu, 09/06/2007 - 18:59

Morningstarr430

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Tweety...I really only got nasty emails from one of the ipdls I had, a couple just kept sending the same one telling me that their debit was refused...duh!

After i sent my letters to the AG I haven't heard from any of them except when getting my PIF. Ot ut of the other 5 I had that I still owe...I managed to make arrangements through my debt management program and have paid off 2 of them so far. So out of 10 I have 3 in the dmp and the 2 I haven't heard from??....GFSIL....and MCN...and I really don't expect to hear from them any time soon!!


Submitted by Morningstarr430 on Thu, 09/06/2007 - 19:03

Morningstarr430

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me Bikergirl again, I can't seem to get logged in for some reason. Anyway, I have a couple questions, I some of my loans have only been renewed once or twice, however I have used the same company for past loans that I pd the renewals on and then paid off can I go back and use what I pd on the last loan with them and count toward my new loan, or would I have to just use the numbers for the new loan? Also who said they were in Indiana?


Submitted by on Thu, 09/06/2007 - 19:42

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I tried that with one of my loans that I so overpaid the first time...and I still owed like $100. on the second one...they refused to acknowledge the first loan. And we are still fighting about it...it's one of the 2 I haven't heard from since the AG letters went out. So in a nut shell I was told by the DFI office (Department of Financial Institutions) that no it probably would not work to pit a past loan against a new one.

I'm sorry I didn't understand your last question.


Submitted by Morningstarr430 on Thu, 09/06/2007 - 19:49

Morningstarr430

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i am in the same situation as bikergirl, i live in indiana, and recently opened online loans from a few of the same companies and i need help. not sure what to do? any advice? sounds to me like closing down the account is the best way to handle it. if anybody has any other ideas please please let me know. thanks!


Submitted by on Thu, 09/06/2007 - 20:17

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Wrighton welcome to the forums...actually if you go back to page 1 of this posting, all the info you need for Indiana is here. Just post any questions you may have and we will help you along. also please read:

http://www.debtconsolidationcare.com/paydayloan/close-account.html

Many times the only recourse we have is to close our account and open a new one. Please read as much as you can to understand the process.


Submitted by Morningstarr430 on Fri, 09/07/2007 - 03:34

Morningstarr430

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me Biker girl... Too funny Whister did not withdraw their $90 out of my checking account today and I haven't closed my account yet. Hmmm... I have been paying them since July/06. Should I call them, I haven't filed anything or even taken action at all... I think they read this forum.


Submitted by on Fri, 09/07/2007 - 05:39

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I don't think I would contact them over this...they will contact you in time..have you decided what to do with your account. If payday is here I would withdraw what's left and go talk to the bank about closing the account. Make sure you read the info available on that..it's important. After your account is closed you can start getting your letters together and your complaints filed with the AG...by next payday you should have control of your money again.


Submitted by Morningstarr430 on Fri, 09/07/2007 - 06:34

Morningstarr430

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Oh yeah, I am sooo ready to have control of my money again!!! I think I am oing to withdraw what is left and close my account today, I have a few items that haven't cleared yet, but going to keep that amount in there and hopefully I can give the names and check #'s to my bank so they can clear only them. We'll see.


Submitted by on Fri, 09/07/2007 - 07:47

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Bikergirl here... Oh and I also contacted my payroll department and I don't have to worry about them making wage assignments or calls to verify my employment because she told me that they will only communicate by mail so they will have to mail something to get my info and if it isn't court ordered by a US court she doesn't abide.


Submitted by on Fri, 09/07/2007 - 07:52

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Biker Girl, I had several things still out when I closed my acct. I just told the person exactly who they were to and how much they were for and they took care of it. I took the rest of my money and opened a new account. The companies tried to hit my account the next day but were returned and all the items I listed were paid.


Submitted by RoxyNY on Fri, 09/07/2007 - 09:09

RoxyNY

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Okay, now I got my password and can talk with myscreen name again. I am soooo ready to get these payday loans over with. Going to bank on Wednesday to close account, I am so nervous about the harrassment, but I believe I am ready to stand up to them, especially the ones I have paid over 2500 dollars to already!!! I will be back asking questions... see ya in a bit!! Ready to get my bills back on track and take control of my paycheck again!!


Submitted by BikerGirl on Sun, 09/09/2007 - 10:26

BikerGirl

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Yea Biker Girl...I am so proud of you!! You CAN do this...and we are behind you 100%. Know you have the law on your side...and us (we are like the cell phone network following you every where you go) anytime you feel nervous, stressed, scared or frustrated...we have all been there...come post and let us lift you back into place.


Submitted by Morningstarr430 on Sun, 09/09/2007 - 16:02

Morningstarr430

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Biker Girl, Here is what i found searching this site...
Paycheck Today
515 G St SE
Miami, OK, 74354-8224
Phone: 1-866-756-0600
Fax: 1-800-671-0131/866-344-9701
email: customercare(at)paychecktoday.com

CMG
10108 Summer Oak Ln#103
Las Vegas, NV 89134.
866-516-9300


B& L Marketing
320M S. POWELL AVE.
DUNN, NC 28334
Phone - 866-656-1136
Fax - 866-370-7045

Xpresscash
2207 Concord Pike #505
Wilmington, DE 19803
800-757-0122
option 1 is for loans
option 2 is for collections
option 3 is for customer service (who told me they were related to Whistler-Holding)

Other numbers on the BBB site are
800-351-8820 and 800-493-3380.
xpresscash.com/

Rio Resources/MTE Financial Services
147 Eubank Blvd NE
Albuquerque, NM 87123

Phone: 866-859-6129
Fax: 866-668-0535

Hope this helps - Roxy


Submitted by RoxyNY on Tue, 09/11/2007 - 07:11

RoxyNY

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bikergirl, do you know how to go to the bbb site and search for a company? Go to www.bbb.org and type in the company name. It should pop up with the address and phone number. That's how we've all found the majority of our pdl's. :wink:


Submitted by cannr on Tue, 09/11/2007 - 09:29

cannr

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Yes, I got all the addresses and info now. Thanks a bunch!!! Got all my letters ready to go out on Thursday!!! I thought this was interesting, I called one of the payday companies and asked for their street address, they told me for security reasons they couldn't give that information out??? Then asked for my name and I said for security reasons you can't have that!!!


Submitted by BikerGirl on Tue, 09/11/2007 - 09:35

BikerGirl

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