I need help in what to do to get out of this pdl debt.

Mrrl, Ag is attorney general. Welcome. If you would please list the names of the companies, storefront or internet and the ammount borrowed and total ammount paid to each pdl. This information will assit us with helping you.

Welcome to the forum mrrl. We're glad that you've joined us. Please provide the info Roxy has asked for & someone will be able to help you.

mrr, I'm posting your state law so we can all see it. When you list out your pdl's, please designate which ones are store front and which ones are internet. Store fronts are handled differently than internet. For each one, put the amount borrowed (principle only) and the amount paid back (total - don't break it down - just the total paid to date). On your storefronts, just put how much the check is for and exactly how you pay it back. Like do you go in and pay the full amount and re-write a new check? Or do you just pay a "finance fee" and they extend the check. As soon as we get more information from you, we can help you out! :D

You will find the Payday loan laws for Iowa here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

TG INV 390 TOTAL PD IS 650
ZIP CASH 550 TOTAL PD 710
ameriloan 550 total pd 495
2 power loans 390 pd out 540
cmg group Lic 390 pd out 400
arrowhead invest 390 pd out 600 to 800
sjm market 390 pd 735
all just in fees

stores
advance america 445 to be pay 500
checkngo same
check n2 cash same
chec king same
ace same
ezmoney same
i need the money and now its caught up to me per my paycheck

I must get ready work, will check form later tonight. thank all for the info.

I'm looking at this quickly, but just want to say that you're dealing with some illegal internet pdl's. And you've overpaid them. Your storefronts are going to be a different story, as they are licensed/legal. You've got a lot out there for $500 each. Let me look at some of your internets again. Hang on.... I don't understand the name of the first internet pdl. Is that the full name???

I tried to figure out the first one also. Couldn't do it.Maybe you will have better luck than I did.

It's probably just one we haven't heard of. They pop up every day . . . .

loan point usa

Hang on. I'm going to see what information on can find on each of your internets. Thanks for letting us know the name of the "mysterious" one. Hang on for just a minute. :D

i'm plan on closing my check acct today

i'm plan on closing my check acct today. also should i send out letter to each one. If so do any one have a copy or an sample letter.

I really like to thank you all for what ever help you can give me on this topic.

mrrl i'm sending you a PM with a letter that cannr gave to me. It's awesome!!! It covers every & any angle possible. Let me know if you have any problems getting it! Thanks Lisa

Mrr... I had loans with Zip and CMG and they were very easy to work with, they might give you a Paid in full.

mrr, did you read the information regarding closing your account? You need to be sure it does not get forced back open. When are your next debits scheduled to come out of the account? Also, have you handled your storefronts at all yet? I'm sorry I'm asking so many questions; however, I think we're moving really fast here. Don't send the internet pdl's any letter until your bank account is taken care of. Get the bank straight first. Very important. Take care of your store fronts. Very important. Then you can focus on the illegal internet lenders. Can you please give me an update as to where you stand right now? :D

i haven't close the acct yet but will later today. No i have not call any of the store yet.

Yes i read the closing of the bank acct.
I will also ask the ? about the ach forcing my acct open.
no I havent contact the store yet.

Hey Lisa thank you for the letter it will help me.

You're very welcome! As soon as you have the storefront & your bank account taken care of then send our your letters. Fax/email/mail(certifited) If you need help with address or any information just post...someone will be able to help you.

hey lisa did u get my pm

Yep I got it..I just replied. Sorry for the delay..I get so caught up reading the threads that I very rarely check my new messages. I'll keep an eye on it now though.

if there any way of getting the money i paid to the pdl or the over pay

Total Gen.INV also known as loans point 390 TOTAL PD IS 1080
ZIP CASH 650 TOTAL PD 1305
ameriloan 550 total pd 165
2 power loans 390 pd out 2160
cmg group Lic 455 pd out 1435
arrowhead invest 390 pd out 2430
sjm market 390 pd out 2520
all just in fees
some these I totally forgot about and now I look at my bank statement, i just can believe it. Is there any way of getting the over back????? help please. And yes the did close my checking.

I got to go to work I will check back tonight @ 11:00pm central time . thank for all the help.

mrr, if they are unlicensed and you overpaid, you can request a refund of your overpayment. You may or may not see it. More than likely not. I overpaid all of mine and so far I have received three refunds of nominal amounts. I requested my refund in my initial letter. Roxy

mrrl, if you have paid this much money (my goodness!), you can certainly demand a refund of any overpayment. Like roxy stated, we can't promise anything, but some pdl's will refund overpayments. Not all. But some. Especially if you file complaints with the agencies. That will work in your favor anyway. But you have really overpaid a lot. Feel free to demand a refund. Like I said, can't promise anything, but I'll be damned if I wouldn't demand one. They took you for a lot of money. But, don't feel alone. They've taken a lot of members for thousands of dollars. So, please, do NOT be afraid to demand that refund. If you use the letter that lmk pm'd you that I gave her, just reword it to state your amount borrowed and your amount paid and demand a refund of the overpayment amount. If you have any questions, just post! :D

I would absolutely demand a refund..they didn't mind robbing your bank account with there so called I call them ream fees. Go for it.

ladybug

think guys for all the help.

question, how long should give these company to response to my email and US mail.or if possible to return my refund back to me.

mrrl, give a week or so for the nastiness to start. If you've emailed, it might be sooner. However, it was pretty quiet for me for a couple weeks. Then it was like World War III broke out. Once they start noticing they're not getting their debits any longer is when they'll really start to hit. If you get any refunds, it depends on the pdl. Some are really easy (as they know they are illegal) to receive a refund and work fairly quickly. I think I got mine right off the bat within a few weeks. But they were pdls that were not as horrible as others. Others might give you a PIF but never send you a refund. And, still others, will argue your head off that you still owe more money even though you have overpaid. You'll notice a difference between them all. Stand your ground. If you need us, we will be here for you. :D

this is what I rec'd today from SJM. SHOuld I continues trying to get my refund or just give on them.

[quote](name removed for your safety. cannr),

Your account has been marked "paid in full". Your confirmation number is 664581-04.

You will not be receiving a refund.

You can send all future correspondence via US Postal mail to our address at:

SJM Marketing, LLC
The Edith Solomon Building
PO Box 636
Charlestown, Nevis West Indies

Do not reply to this email.


Account Services
Platinum B Services - SJM Marketing
866-722-2770 Phone
866-599-5161 Fax[/quote]

also rec'd and highly confidental from zipcash. have any one rec'd such letter?

Yes, these letters have been received by others. mrrl, if you get a pif - go with it. You can continue to push for a refund; however, they stated "no refund", so I know they will fight you tooth and nail. I personally would take the pif and run. But you do whatever you want to. If you want to push it, by all means, go ahead. However, like I said, I can see them giving you the worst way to go. Congratulations on your pif! :D

hey ameriloan keep trying to take money my bank acct. even with the acct closed. & bank keep charging me a return check charge. I have an hard hold on my check acct. what should i do now?

mrrl, do you still need letters to send out? I can send you a letter. Also, I got your message on my home page. I can help you with that also. Do you know how to use the "pm"?? Under my post is a button that says "pm". Click on that. It'll send a message directly to me. I can reply to that, make sure you get it, then I can send you some stuff. Okay? Try it and see if you can get a message to me. :D

mrrl, how is your bank charging you NSF fees if there is a hold on it? Is it a total debit block? If so, nothing should be able to go through (no debits) and also there shouldn't be any NSF fees. I'm confused about the bank. Is that what they're doing? Not allowing ameriloan to get money, but then charging you NSF? Ameriloan is not getting any money, are they?

mrrl, Welcome! You are in the right place.
Just a thought - If one of these companies DOES offer you a refund DO NOT GIVE THEM YOUR NEW BANK ACCOUNT NUMBER!!! They are very sneaky and might use that ploy as a way to get more of your money. Make them send you a check OR (LOL) a Moneygram!
Best of Luck to you, and everyone is here to help.

I let them post the refund to my old account and my bank just moved it over to my new one when it hit.

ameriloan try to send an check thru and my decide to charge an return check charge.

Who is going to charge you a return check fee?

the bank, for everytime they send a check in.
the branch manager said that u must them why will they keep trying. i explain again to her.

The account is closed right?

hard hold on all checks and ach

So apparently ameriloan is now resorting to sending through their famous "electronic checks" instead of attempting ACH debits. Famous for this. Gotta love MTE. So they're not getting their money, correct? But your bank is still charging you NSF fees? Now, volley, is this the correct procedure for an account that has a hard hold on ACH and checks? They can still charge NSF fees?

how do i stop this. i did send them another letter stating that I overpaid them by 1070 and that should cover any outstanding loans.

This should not be happening...if thre is truly a "block" then you could have $1.00 in your account and they cant charge you fees because they arent paying anything or attempting to pay.

If they arent honoring checks and debits, case closed!

well i will talk with the manager today and see what happen

ameriloan will continue to do this until they feel the arent getting any $$....

BUT the issue here seems to be the bank charging you fees right? For an account which they have a hold on and are not honoring checks and debits..