My PDL Journey to hell and back (LONG)

So I had 6, yes 6 internet PDLs, the fees got to be so much I finally closed my account and defaulted on all of them. Yes - very scary. I did the revoke ACH, wage assignment - Cease and Desist. I followed all the guide lines I found here. I signed up for DMP to repay these and after thinking about it for several months I contacted the MN Attorney Generals office. I couldn't get any of the PDLs to provide me any information. I had no idea how much was owed to these people.

I wanted to share my results with you.

Cash Central - borrowed $700. CC stated that I borrowed 700 didn't repay a nickle and the amount owed is $795, they stated they would wave the $95.00. I have bank statements proving I paid $550.00 of that amount which means I owed $150.00. I offered to continue paying this through my DMP and will see what they say. Should be case closed.

AAA - borrowed $400 - AAA stated that I paid $475 of the $500 I need to pay back, I have bank statements and DMP statements proving I paid $505.00. They "forgot" 2 payments. They now officially according to their records owe me $5.00 - case closed.

Cityview- vanished off the face of the earth. Cashed my first 5 checks and then disappeared. I consider case closed until I can find them.

Starcash - borrowed $300 - paid $270.00 have bank statements to prove it if I could just locate them. No where to be found. Will see..

Unloan - store front - borrowed $300 - paid in full on 10/22.

SSM- OSLO - borrowed $300 have bank statements showing I paid $360.00

Ashland - borrowed $300 have bank statements showing I paid $360.00.


SSM and Ashland are sister companies. Whats interesting is the AG had been trying to contact both of them but everything came back return to sender. Then all of a sudden I get a call from LRA. Lady named Ms. Cunningham called left a message on my cell and my 15 year old daughter's cell. I called them back yesterday and they told me that SSM and Ashland turned over claims to them. I said, thats funny these two were paid in full and I have bank statements backing my claim. I said further, I am so glad you called Ms. Cunningham because the MN AG has been trying to get in touch with your clients and everything has come back returned to sender. All of a sudden I hear "can you hold please" and got transferred to "Chris" who was a total a$$ he gets on the phone and says so lets hear the "readers digest" version of the truth. I repeated the same thing. I told him you are trying to collect a debt that has been paid in full. Further I have opened a claim and forwarded my bank statements to the MN AG office - who now, since you have kindly made contact, they now have someone to contact.

Have you ever heard a deafening silence. I have :D. As I hung up with "Chris" from LRA I said good day .

Now I cant promise things will go my way, but I can't imagine any illegal PDL trying to convince the MN AG that I owed them $1000 more dollars on something that I have already paid $720.00 that would be a total of $1,720 on a $600 loan. I just don't see it.

Opinions, does it sound like things could go my way. I certainly hope so. I have to tell you I was screaming with excitement the entire car ride home last night. LOL.