internet pdl help

what state are you in?

typical BS from an illegal ipdl.if you have a reply letter that you have already sent.re-send.in fact deluge them with it.they are illegal and ignorant.you owe 245.00.they don't want it.that's too bad,but make every effort to pay.

i am in alabama. i should also add that about 5 minutes after i resent them the email, they called and the man said that they would only accept payment through a prepaid card otherwise they would continue to debit my account ( i am closing it, however, my mothers name is on the acccount and she is out of town and has to be present to close it) i told him that i know that they are unliscenced and would only pay them 245 dollars. he said "thats not how it works, that wasnt an interest payment that was fees for paying or operators, fees to wire the money to your account and fees because of you not having any money like you said you would" and he said that their was no way that they would credit that towards my loan and i told him how can it be a nsf fee when they took the whole 105 out of my account and then he just kept cutting me off and said that if i wanted to settle for the 350 call him back before my next payday with my card number or they will continue to debit my account and hung up.

And in my email i told them that the only communication acceptable was email or usps and they called anyway..what can i do?

Tell them that your state law prevails as you have no presence in area they speak of in the contract, end it with, no address, no payments. Sometimes saying less is better, state the facts and don't speak with them on the phone or in emails, simply state the facts.

I just got a text message on my cell that reads:

Call Robert lewis at 1-800-654-7444 ext 851 at paydayloan yes in regard to the money you stole.

What do i do now?

Do what I stated above, do not respond to the text message, call your cell phone provider and inform them you are receiving junk text messages, give them the number and ask if they can block it. If they can't block the number, just keep reporting whatever number the text message is coming from, in case they bombard you with messages in the future and run your phone bill up, or you may need to change your cell phone number. Anyways, do as I stated in the post above.

thanx

What do i do about the illegal lenders that i have sent ACH withdrawl emails to and they have not responded at all and continue to try and draft my account until i canclose my account?

They didn't follow the law to begin with or they would have been licensed, you need to get your account either secured or closed asap.

Are you sure that you have to wait for your mom to get back before you can close the account? I have had joint accounts (with different people and banks) over the years and have never had to have both people present in order to close the account. I would double check with the bank on that. If they do make you wait see if you can put a hard debit block or freeze the account or something like that because they are not going to stop taking your money until you do. Since it sounds like you have already sent ach revoke letters to illegal pdls without closing your account they may even try to debit your account for all of the money they think you owe them.

yes i am sure. i am with a credit union and have called numerous times and asked if she must be their and they always say yes.. they will not put a hard ach block on my account either. they will do stop payments on individual transactions but they have to have the exact amount in order to do it and everyone i have talked to there, including the manager had told me that in these cases, they will most likely change the amount in order to get money out. when i told them that i had sent these people ach withdrawl letters and that they were illegal lenders, they told me that in these cases, i could try an unauthorized affidavit, but since i signed a contract,it is uunlikely that the fees will be reversed. at this point i am not worried about them getting anything because their is no money in their. however, the nsf fees that the credit union is charging are getting ridiculous. also, i can only receive my paycheck direct deposit and i want to confirm that they have changed it to my savings account before i close my checking. my mom comes home tonight, so i hope to be able to close it tommorow.

Just for clarification Amy, is your mom the primary account holder?

well, i opened the accout when i was 18 and in alabama, you have to be 19 to open an account in your name only. however, i have never has any problems conducting business on this account,and the statements are sent to me, although my mothers name is on them as well. when i called and asked, they told me that anything regarding closing this account would have to be done in person with both of us present, so im not sure.

Sounds like due to the type of account that was opened she was the primary account holder. That is why you need her present. Get it closed and open up another one, but do not give your account information to any of the online PDL's, many of them are owned by the same parent company and the minute you give one information all of the other affiliated companies will have your account.