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Indiana - online PDL Troubles

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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.




Congratulations, bikergirl! :wink:

Sub: #111 posted on Wed, 09/12/2007 - 19:45

cannr cannr

(Posts: 9317 | Credits: )

Well, got bank account closed, and opened another at the same bank, however, she did tell me that if anything came through they would credit me any funds that I got charged. But, I will be getting paper checks so if my account is negative tomorrow, I just won't put my check in there!! I'm faxing my letters right now. And I did not get an email from Whistler to give me my refund yet and have not heard from B&L as to my refund either. Will let you all know what happens next....

Sub: #112 posted on Thu, 09/13/2007 - 09:26

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Biker Girl, Good work.. Just keep watching that closed account so that if anything happens you know right away and can take care of it right away. I am happy to hear things are going well for you.

Roxy

Sub: #113 posted on Thu, 09/13/2007 - 09:29

RoxyNY RoxyNY
Moderators
(Posts: 4178 | Credits: )

Now that I have faxed my letters, I am going to wait and see how many of them respond... Then if I don't get a response, I will mail them certified mail next week. I wonder how long it will take them to respond to my offers? Thanks again for all the help on here!! I really do LUV you guys!! I would love to buy you all a drink sometime!!

Sub: #114 posted on Thu, 09/13/2007 - 09:41

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Some of us would take you up on that...we could really use it. :lol:

Sub: #115 posted on Thu, 09/13/2007 - 09:53

RoxyNY RoxyNY
Moderators
(Posts: 4178 | Credits: )

Woohoo here's my Release from Whistler that I paid $2400 to:

[quote]RELEASE

THIS RELEASE (???????Agreement???????) is entered into as of the ______ day of September, 2007 by and between Whistl;er Marketing, LLC, a Delaware limited liability company (the ???????Company???????), and me(the ???????Borrower???????).

WITNESSETH:

WHEREAS, the Borrower and the Company entered into that certain Loan Agreement dated June 22nd, 2006 (the ???????Loan Agreement???????) and other documents related thereto; and

WHEREAS, in connection with the transactions contemplated in the Loan Agreement, the parties desire to execute and deliver this Agreement.

NOW, THEREFORE, the parties hereto, in consideration of a $1,000.00 refund, the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged by all parties, hereby agree as follows:

Release.

(a) Release by the Borrower. The Borrower, for herself and her present and former agents, predecessors, shareholders, directors, officers, employees legal representatives, descendants, spouses, successors, predecessors, agents, attorneys and assigns (collectively, the ???????Affiliates???????), does hereby fully release and forever discharge the Company and its Affiliates from and against any and all claims, demands, obligations, causes of action, actions, suits, controversies, debts due, sums of money, trespasses, privileges, covenants, contracts, agreements and promises and any damages, costs, expenses, attorneys???????? fees, obligations and liabilities of whatever kind or nature, at law, in equity or otherwise, whether asserted defensively or offensively, whether known or unknown, that any of such parties ever had, now has or may have, but only to the extent arising or occurring from or in any way growing out of facts in existence or alleged to have been in existence on or prior to the date hereof (collectively, the ???????Released Claims???????).

(b) No Suits. The Borrower (for herself and her Affiliates) hereby covenants and agrees that they have not directly or indirectly, alone or with others, brought, commenced, instituted, maintained, prosecuted or voluntarily aided, and that they will not directly or indirectly, alone or with others, bring, commence, institute, maintain, prosecute or voluntarily aid, any action, at law or in equity, or any other proceeding against the Company or its Affiliates, either affirmatively or by way of cross-complaint, third-party claims, defense or counterclaim or by any other means with respect to any of the Released Claims.

(c) No Claims Assigned. The Borrower (for herself and her Affiliates) further represents and warrants that they have not assigned or otherwise transferred any right, title or interest in any of the Released Claims. The Borrower further agrees to indemnify and hold the Company and its Affiliates harmless from and against any claims resulting from any such assignment or transfer.

(d) Complete Defense. The parties hereto agree that this Agreement may be pleaded as a full and complete defense to, and may be used as a basis for an injunction against, any action, suit or other proceeding which may be instituted, prosecuted or attempted in breach hereof.

2. Non-Admission. The parties agree that nothing in this Agreement is an admission by any party hereto of fault, liability, of any unlawful act or breach of contract, violation of applicable law or commission of a tort, all of which are expressly denied.

3. Entire Agreement. This Agreement contains the entire agreement between and among the parties hereto with respect to the subject matter hereof and supersedes any and all prior agreements, arrangements or understandings between the parties hereto relating to the subject matter of this Agreement.

4. Successors and Assigns. This Agreement is and shall be binding upon and inure to the benefit of the parties hereto and their respective successors, assigns, administrators, legal representatives, servants, directors, officers, employees and agents.

5. Amendment; Waiver. This Agreement may be amended only by a written instrument signed by the parties hereto. No provision of this Agreement may be waived orally, but only by a written instrument signed by the party against whom enforcement of such waiver is sought.

6. APPLICABLE LAW. THIS AGREEMENT, AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HERETO SHALL BE GOVERNED BY AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF MISSOURI, WITHOUT GIVING EFFECT TO THE CONFLICTS OF LAW PRINCIPLES THEREOF.

7. Representations. All parties warrant and represent to all other parties to this Agreement:
(a) that they have read and understand all aspects of this Agreement, and all of its effects;

(b) that they have executed this Agreement as a free and voluntary act of their own free will without any treat, force, fraud, duress or coercion of any kind; and

(c) that they will not disclose the existence, or the terms, of this Agreement to any third party.

8. Invalid Provisions. If any provision hereof is held to be illegal, invalid or unenforceable, such provision shall be modified to the extent necessary to render such provision enforceable and, if necessary, shall be fully severable; this Agreement shall be construed and enforced as if such illegal, invalid or unenforceable provision was so modified as of the date hereof, or never comprised a part hereof, as the case may be, and the remaining provisions hereof shall remain in full force and effect and shall not be affected by the illegal, invalid or unenforceable provision.

9. Counterparts: Facsimiles: This Agreement may be executed in multiple counterparts, all of which, when combined, shall constitute one (1) agreement. Facsimile signatures shall be effective.

[Remainder of page intentionally left blank; signature page attached.]


IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first above written.

BORROWER:



_________________________________________

My Signature



Whistler Marketing, LLC
a Delaware limited liability company


_________________________________________
By: Rachel A. Kimball
Lending Manager[/quote]

Sub: #116 posted on Thu, 09/13/2007 - 10:29

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Wow..that is awsome..now you go have that drink for all of us... Roxy

Sub: #117 posted on Thu, 09/13/2007 - 10:31

RoxyNY RoxyNY
Moderators
(Posts: 4178 | Credits: )

Just got my first call from Paychecktoday, some guy by the name of Lamar, he was questioning me regarding the $300 I borrowed saying that I didn't research these laws prior to my loan and now I am trying to enforce them... I told them a debt consolidating company advised me of my laws and that you had to abide by them. He started yelling at me and I asked him not to yell at me or I was going to hang up on him. Then I told him I would settle for $159.00. I have paid $180.00 so far on this $300 loan and according to my state laws I only had to pay $39 interest on this loan, therefore leaving a balance of $159.00. He said he would settle for $300 I said nope and he hung up on me, lol. He sure got me going, lol!!

Sub: #118 posted on Thu, 09/13/2007 - 11:18

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Okay, got an email to call Paycheck immediately, so I did and spoke to Mark, he was rude too, saying that they are licensed in my state, but couldn't give me their licensing number. Then said they would set up payment arrangements on the $300, I again offered them the $159 and they just said no. Then I said I would be filing complaints. I did file with the Indiana AG.

Sub: #119 posted on Thu, 09/13/2007 - 11:53

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Good strong reply BikerGirl...your doing excellent!!! Hey...the drinks are on you with that refund...whoo hoo!!!!

Sub: #120 posted on Thu, 09/13/2007 - 16:27

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )


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