PDL hell- need help in NJ

The companies keep on calling my work. They are crazy. I let it go to VM and some of the messages are just rude.....wage garnishment....report me to the authorities...can they do that?

These people have already taken a lot from me and they are still saying I owe them....they are crazy.
Here is an update from the bank I have gone again to the bank. I have told them I have reported them to the OCC. Once they heard I reported them they said they are going to look into my account. The manager can see at the NSF overdraft in my account and she said she is personally is going to look into this. As of now I really don't trust the bank and certainly not those PDL companies. They will do anything just to get more money. I told them I am tired of the round about from being transfered from one department to another. I told them because of your employees in that branch telling my account was closed but it wasn't you caused all these fees in my account. All she can say was she apologizes for what has happened. I have told her I have tried to close my account but I have been denied my request every single time. I told her I will pay what I need to pay but I need this account to be closed or just to stop these transactions. She said she can't she will need her boss to authorize it. I told her I need to see her boss but he was not there. At least I was able to talk to a branch manager not a representative. I honestly don't think they know anything else or they are just pain lazy. I am going to keep going into that branch until this is resolved. They still did not put a block on my account but least they are aware they have been reported and the OCC is now on there case.

Good for you.
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Go back again and again until you talk to that boss!
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Sometime you have to yell to be heard.
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Seriously if this is ever settled...I am done with BOA.

Ya! as Nohiogal said.. keep going back. If you call, ask for the branch manager, if they ask "is there anything I can do" tell them the branch manager is already handling it for you. that USUALLY gets them to transfer you to them.
Did you??give a wage assignment revokation to your HR? These are completely volentary. If you didn't I'd get one written up ASAP and handed to them. Tell them that you were a victim of fraud on your account and if they get any calls they are not to talk to them.
Also wanted to add, the calls will eventually stop, especially once DFI gets ahold of them and tries to contact them.

Where do I get a wage assignment revokation form? Can they still issue wage garnmishment in NJ for PDL companies? I thought they can't.

They can not garnish wages. They need a court order to do that , and since these loans are illegal in NJ that will nit happen.
As far a wage assignment there is no set form. Just write a letter saying that you revoke any and all wage assignments that you may have signed for them or any of their affiliates.

Thanks for the info. I just got a phone call from the manager from BOA. They put a freeze on my account....finally ....and they have credited all those NSF fees in my account. The branch manager is waiting for the credit to hit and then she is going to officially close the account.I guess they are nervous because I told her I reported BOA to OCC. Now they are sucking up....they automatic changed their tune.

That is one thing...now I got to deal with those companies. I have sent the C&D letters to the companies thru email but they continue to call my job and sending emails that I still owe them. I know they are trying to get more money from me.

Well finally! That is good news.
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It is sad that it took all that to get something done.
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They will continue to contact you but now that our account is secure they can't get any more money.

Make sure after your account is closed you monitor it closely. That way if it reopens up again you will be able to catch it. Ensure the BM puts a freeze no re-open hole on your account.

That is wonderful news!!!!?? Everyone who has an account with them should complain, they are down right nasty.

My account is still on freeze because they keep on trying to submit different amounts. There were 2 companies that tried on Friday 4/3 but for each company they submitted 5 different transactions. So a total of 10 transactions. I am glad my account is still on freeze. I have the branch manager monitoring on a daily basis.

Well they are after you and how. As soon as they can't get their money they try all sorts of things.

I am glad that your account is still secure. BoA probably sees now they you were not kidding about them being illegal.

I don't know how it happened but B of A put a hold on my account. What a blessing!

I have still not heard anything back from the complaints I have filed with B of A. I do not expect to hear anything from them but you never know.

I have not heard from most of the illegal pdls this week - is it possible that the silence is deadly? or is this just the game they play?

I responded to the other thread :wink:

I have Ameriloan and SJM Marketing keep on leaving messages on my VM at work and I have sent letters to them and I also told them I have reports them. I only had a $300 loan with each and I can see on my old bank account that I have paid SJM $540 and Ameriloan I had paid $640. They are saying I owe they $690 each. I sent them that they are prohibited in NJ. I don't know what to do. I don't answer the phone calls and whenever I email they are demanding payment. Need Help.

You just need to continue to ignore them and keep sending the letters. They will give up but sometimes it does take time.

I keep on sending it and they keep on sending to another person and they are always saying I am wrong and I need to pay them the following day by a certain time. They are ridilicious

Yes they are...lol

I also receive numerous phone from International Payments Services. I never heard of this company but when I went into my old bank account...they have take out over $400. I never ever heard of this company. Is this company part of another PDL company. Now I receive voicemails they are going to report me to my employers and they are going to garnish my wages. They call about 3 to 5 times a day. I have not returned their phone calls. The people who call have really deep accents and you can not hardly understand them. I need help on this. I don't understand how they are going to garnish my wages if it's illegal in NJ?

because they are not.they will threaten that,but try to send a wage assignment.that is different from a garnishment.if you haven't already.get a wage assignment revocation letter to your HR or payroll person.they won't garnish because they will never take legal action.being illegal hinders them in that way you know.

International Payments Services is just a call center for many illegal companies.

Tell them to eat dirt. They are as illegal as the lenders.

Wow I didn't know International Payments Services is just a call center....they keep on calling and keeping leave VM's but I keep on deleting it. The guy's name is Max and he calls about 3 to 4 times a days saying he is going to garnish my wages and legal action is going to be taken. Max can't speak english...you hardly understand what he is saying. Am I taking the right step by not answering his phone call?

Yep. Keep doing what you are doing. I know it can be frustrating but they will give up eventually.

Now I have Gevena Roth calling. I had a $350 loan and I have paid them $1080. What action should I take with them. I have read other post that they will find out your new account and take from there. I heard that their practices are illegal.

They can't get your account information unless you apply for another payday loan.

That is how some people have gotten their new accounts hacked. Many of the companies are sister companies and they thought they were appling for a new loan with a different company when in fact it was the same.

Once they got the new information they took the money from the new account.

I also get this from the loan shop:

FW: Contractual EnforcementThursday, April 23, 2009 11:19 AM
From: "Princeton Harris" Add sender to ContactsTo: [email]abbybowls@yahoo.com[/email]















Princeton Harris

Floor Manager

Loan Shop Online

Phone: 1-888-265-5074 ext.4484

Fax: 1-800-383-3300

[email]pharris@LTSmanagement.com[/email]

All payments MUST be wired via MoneyGram!
Receive Code: 4959
Pay to: LTS Management
City: Wilmington , DE
Loan ID or Account number: Call me at 1-888-265-5074 ext 4484
Please call (8) digit reference number into the office immediately after making the MoneyGram payment.

Walmart store locations accept MoneyGram payments. Complete BLUE Express Payment form.




--------------------------------------------------------------------------------

From: Christina J.Seelbinder
Sent: Thursday, April 23, 2009 9:45 AM
To: Princeton Harris
Cc: [email]abbybowls@yahoo.com[/email]
Subject: Contractual Enforcement
Importance: High









If you do not respond to me with payment today your file will be escalated as of 4/28/09. I will have no choice but to assume you are unwilling to resolve this debt. If you would like to repay the loan per your contract with my company, I am willing to assist you with voluntary arrangements. If you do not wish to repay this loan on a voluntary basis and handle this file I will forward the file for contractual enforcement.



If that is the case please understand that the opportunity was given to you to handle this matter voluntarily. This is a serious matter and all necessary actions will be taken to ensure this debt is cleared. Remember time is of the essence, if you would like my assistance, please respond via telephone immediately.





Thank you.







PAYMENT FORM

Loan shop

Christina Seelbinder

Account Manager

Phone: 1-888-265-5074 Ext 4242

[email]cjseelbinder@loanshoponline.com[/email]

Please fill out form with proper payment date, dollar amount and information to repay balance due in order to waive additional penalty amounts. Send completed form back via FAX or PDF file to e-mail address [email]cjseelbinder@loanshoponline.com[/email] or Fax number: 1-800-383-3309

DATES AMOUNT

/ /
$

/ /
$






Routing Number: _______________________________

Account Number: ________________________________________________

Name on Account: _______________________________________________

Home Phone Number:_____________________________________________

Home Address: __________________________________________________

__________________________________________________

*This charge will appear on your account statement as Loan Shop collections. If you are unsure whether or not a transaction on your checking account was originated by Loan Shop or an affiliated company, please feel free to contact a representative.

By signing this form, you are in authorizing THE LOAN SHOP to debit from your checking account for the following amount(s) only that amount(s) and on stated date(s) will payment be made, no other fee including extension fees, hidden fees, and penalty fees will be added.

_________________________________ Date: ________________

Printed Name

_________________________________

Signature


Can they do this?

no they can't.reply if you can that you sign nothing and they are still illegal.i forgot,did you file AG complaints yet?if not do so.

Please do not fill this out at all. It is an attempt to get your new banking information. You stated you paid them over $1000 on a $350 loan. You are done, they can take this from letter and pound sand :wink:

Has anyone heard of 1000cashovernight.com? I also been receiving calls from the company and the name of the guy is Max Taylor. Is this also a call center or a company under a different name?