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I called AIP today ( 800-274-4159 ) and spoke to a Maggie, who transfered me to her supervisor Franny.

I spoke to them about my paying 1500 on a pdl of 200 since feburay.

I was told they were governed by the laws of england.
I was very polite to the woman and told her that in my state, she needed to be licensed to do pdl's and that the company was not, nor were they abiding by the state limits. I explained that I over paid by 1200 so far and that I was not looking for a refund, but simply to have it considered PIF. I'd much rather have it stopped than to attempt to get a refund, to be honest.

She said she would call me back in a few minutes after she went through my file, so I asked her if she knew when because I had spoken to someone in my states department and informed them I would be calling AIP and was "sure they'd be reasonable" and was expected to call them back if and when I was ready to go further with my concerns.

I got a call back within ( no lie ) 50 seconds to inform me they consider it paid in full.

She did tell me that they do not charge intrest, just a processing fee ( I'm thinking this is how they trick people ).

Anyways, thanks to this forum I had enough ammo to call and state my case. I am so happy that I did not have to get loud with her....even though I was completely ready to do so! lol

Now to call the bank and give a list of names to be blocked....just in case :P

Maybe I'm being dumb, but they already know who I was incontact with in my state. They are fully aware I was prepared to file a complaint and charges if possible. The smart thing to so with someone who just wants a PIF status is to give it to them, instead of having banks involved, FTC involved, and state attorney's involved. They know that. She knew before she even called me back that PIF status is the easiest way out of trouble

If only it were that easy . . . . There is little the authorities can really do to these companies but tell them to stop.

If you need help finding another bank account because of a chexsystems report, we can help you with that.

Sub: #11 posted on Thu, 08/28/2008 - 10:25

goudah2424 goudah2424

(Posts: 7936 | Credits: )

So why did you post this again :?

Sub: #12 posted on Thu, 08/28/2008 - 10:28

Cool_Abyss Cool_Abyss
(Posts: 2936 | Credits: )

i have every documentation I need to press bank fraud charges against both companies should they try to be sneaky, and my bank has already advised me that they will fully back me on the matter, and the department of finacial institutes is also aware and willing to do a full investigation pressing any chrages necessary with the help of the attorney general should I decide to follow through with a complaint.

There are no "charges" that will be filed. The state will do an investigation, and tell the company to stop lending. That is about it.

Even state's that have sued a payday loan company for not stopping lending rarely every gain much out of it but a paper victory. They just close up shop under that name and open another elsewhere.

As far as the bank goes, the extent of that is just a refund of any charges taken out. It isn't like the police or anything gets involved.

I'm not trying to be mean or anything here. I just feel that you have some unrealistic expectations and don't want to see you get fried when things don't go as you think they will.

Sub: #13 posted on Thu, 08/28/2008 - 10:28

goudah2424 goudah2424

(Posts: 7936 | Credits: )

I agree Goudah. Keep us posted with the final outcome.

Sub: #14 posted on Thu, 08/28/2008 - 10:29

Cool_Abyss Cool_Abyss
(Posts: 2936 | Credits: )

Where's the other post? I will delete the dupilcate.

Sub: #15 posted on Thu, 08/28/2008 - 10:29

goudah2424 goudah2424

(Posts: 7936 | Credits: )

I understand, and I probably am giving an illegal company more credit that it should ever deserve.

Sorry for the second post btw.

I will update tomorrow with what AIP has or has not done.

I won't know the final result of LOANSHOP until Wednesday.

I do have a second checking account that I got JUST incase that I can use if I get screwed over.

Hopefully, I won't have to.

Sub: #16 posted on Thu, 08/28/2008 - 10:47


Well that is what we are here for. Believe me we have all gambled with the PDL world, and they can be ruthless. We wish you the best :P

Sub: #17 posted on Thu, 08/28/2008 - 10:52

Cool_Abyss Cool_Abyss
(Posts: 2936 | Credits: )

An FYI about AIP - They do everything over the phone. In the past, when they have said PIF on the phone, they have meant it. While getting it in writing is nice, I wouldn't say it's necessary with AIP.

Sub: #18 posted on Thu, 08/28/2008 - 10:57

goudah2424 goudah2424

(Posts: 7936 | Credits: )

Hope everything works out for 'ya!

Sub: #19 posted on Thu, 08/28/2008 - 11:42

desperatelyseekingsanity desperatelyseekingsanity

(Posts: 1129 | Credits: )

Well, it's payday and AIP has held up their end of the bargin by not debiting my account under any name.

LOANSHOP has taken the amount agree'd to and I will know for sure on wednesday if they debit me for the remaining $98.

So far, so good.

Sub: #20 posted on Fri, 08/29/2008 - 07:33


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