Needing Help in Arizona

Yes, they saidthat since I had spoken with someone earlier and told them I had taken out the loan that I was now obligated to pay it and all further correspondence had to be in writing with a notarized signature.

I am thinking about resending the illegal letter with a notarized signature.

What do you think?

Well this is the first time I heard of this. Also I think they are stalling, but it is totally up to you.

Yeah. I don't get it. Not only stalling but making it harder to communicate with them. They probably want you to give up and pay them what you don't owe.
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Exactly. I would get their address an mail the principal if I couldn't get a solid settlment with them.

I sent the illegal letter again. I will keep you posted what happens.
Has anyone else had a similar experience with United Cash Loans?

I am getting ready to file the complaint forms with the State Banking Commisssion. Should I ask for the interest to be repaid or just file the file the complaints and not ask for any money back?

That is totally up to you.

I am just wondering if they are trying to get you to admit to the loan with a notorized signature.?? Do not send them anything notorized.?? Do not talk with them on the phone, Anyaroberts is correct as long as you talk to them they will not accept any other means of communication.?? I would?? stop all communcation with them once you resend your email.??

I forgot this part it never hurts to ask for a refund especially if your expectations are that you will not get one however I would definitely pressure them for a PIF.

All of my emails to Geneva Roth were returned. Does anyone have any contact info?

Geneva Roth
1338 South Foothill Drive, Suite 325
Salt Lake City, UT 84108
1 (800)351-8820 ext 247??and fax number is 1(800)351-8830

Geneva Roth Companies

Geneva Roth Ventures operates Loan Point USA as a short-term lender that offers state-of-the-art online functions for the benefit of every... ??

• directory.leadmaverick.com/Loan-Point-USA/1423/company.aspx
  
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[url=mailto:customerservice@loanpointusa.com]customerservice@loanpointusa.com[/url]

The address I got was from the Utah Database.
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I think they have several though.

Loanpoint now wants me to call them. Is there another letter I need to send to get them to do everything in writing.

Nope continue faxing and emailing those letters. They want you to call so they can bully you into a ridiculous payment. Do as everyone suggested and strick to your guns.

anyaroberts is right. If you sent letters to them to only contact you via email or USPS then stick to it.
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It will do no good to speak with them as they will only try to intimidate you and threaten you.

I keep sending the letters and they keep calling. So far only the legals have contacted me at work - that is embarassing enough! The last thing I need is the illegal ones contacting me too.

Unfortunately this is how the process goes when defaulting with these companies. I know it is annoying but it is the only way to get them to stop.
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Do not answer the calls. Just hang in there and give it time. We have all been through this, you are not the only one. It will pass eventually.

Do they all play the same game?

I am still feeling good about the direction this is heading but I'm not a patient person so I think everyone should do things as fast as I do.

Besides, who wants to continually be reminded of their mistakes?

Even the legals are pretty hard-nosed about payments. I am still going to be living in the negative for the next month while they take their HUGE payments.

Yes this is expected with any lender. They are trying to collect on the amount owed. As stated before, the Legal lenders need to be dealt with first most important! Do not worry about the Illegal loans, they are not your priority. The catch is to get a solid settlement if possible then a PIF letter after payment. The Illegal lenders IMO get the nastiest with their tactics.
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So just be patient, because it will not end overnight.

Should I be settling with the the illegal companies?

I wouldn't call it settling. You basically are proposing your offer of repaying the principal amount borrowed nothing more. Being that is all you are morally obligated to repay due to the fact they are Illegal. Try and get them to accept the offer by sending the letters, which in turn could be overnight or over a couple of months. It just depends on so many variables, cannot be said for certain when they accept your offer. Or if they even will accept it at all. But stick yo your guns and do not pay them a cent over the principal if they are Illegal lenders. If you paid them fees in the past, then those fees goes towards your principal and you owe the difference.

I have paid the principal several times over to some of them. At this point should I send them another stating that I have overpaid?

Yes.
I would state in the letter the loan was for X amount of dollars and according to your state laws you only owe X amount of dollars and at this point you have overpaid by X amount of dollars and you are willing to over look the overpayment and not demand a refund of those dollars but in return??you want the account closed and considered paid in full.
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Something along that line.

You can go that route or you can demand a refund.?? You have overpaid them so it does not hurt to try.?? They may offer you a PIF in lieu of a refund, its just one more negotiating tool.

Now I am having problems with one of the legal lenders. I have set up payment plans and they are still trying to get the money out of my account. They told me that even though I had set up a payment plan they would still try to get the money out of my account, and there is nothing I can do to stop this process.
Has anyone ever heard of this?

No. Which lender? Did you revoke the ACH?
If they have set up payment arrangments they should not be trying to take out any money.

Yes, the received the ACH revocation on March 6 and March 12. The lender is CashAdvance USA.
I know they are legal in AZ and I am willing to pay them based on the payment plan.
I am still fighting with B of A to get the account closed so as long as the account is active B of A is going to keep charging me NSF fees.
I did send letters and emails to B of A yesterday, so hopefully I will eventually get a response from them.

That is plain BS.
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I would contact the AG and file a complaint against them.
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Do you have the??arrangments with them on paper or in an email? Or can you get them to email it to you.
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That is just plain wrong.

I have the payment plan info. I have already sent another email asking them to pay the NSF fees and not charge me any fees on their side.
I also sent them another copy of the original ACH revocation.
I have a stack of complaint forms I am filling out so I will add them to the list.

[left:5dafbbfaaf][size=3]They are trying to be underhanded and sneaky. I would out a block against their preauthorized transactions with BOA.[/size][/left:5dafbbfaaf][left:5dafbbfaaf]??[/left:5dafbbfaaf][left:5dafbbfaaf]??[/left:5dafbbfaaf][left:5dafbbfaaf][size=3]Then call the Legal lender and question them why they are not honoring your ACH revocation and payment plan arrangement. I would threaten to file a formal complanit with their corporate offices and your AG and FTC.[/size][/left:5dafbbfaaf]

Do you mean Cashnet USA??? I have a good point of contact for them who you can call but I am at work and it is at home with all my notes.?? I will pm it to you later today.?? When I ran into something similar this contact offered to remiburse my NSF fees.

Yes, I meant Cashnet USA.
I will look forward to hearing from you later today.

I just talked to PDL Assistance and I am going to get some of my money back. I just hope I can depend on what they said. They were not happy that I wanted my money back and told me that all internet lenders were legal in every state and was still responsible for paying the debts. I guess being out the enrollment fee is not bad I did get the benefit of fast acccess to some letters.

I just pray that other people in my same situation find this site before trying to find what appears to be an easier way out.

I can't believe they told you that all internet lenders are legal in every state.
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That is such BS!
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There is another poor member that has BOA and they are dealing with the same issues and they are in NJ were ALL internet loans are illegal and they still won't close her account.
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It is just wrong!
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Oh wow they are scammers for telling you that. You will save 75% of your money by doing it on your own. That is BS like nohiogal stated.

SuzP,
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Anyway to get that statement from them in writing?
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You should report that.

SuzP, please join the site so I can PM you that information for Cashnet USA

No there is no way to get anything in writing. It just makes me wonder if PDL is in trouble in more states that just CO.

There has to be a way we can join together and get B of A to start playing by the rules. I sent letters and complained so I will keep everyone posted if I ever get any satisfaction out of them.

Here I go again....
I am sending out the complaint forms to the state and I am sending letters to the illegal pdls requesting a PIF.
Do you think they will respond?

Good luck.
I am sure you will hear something but many do not respond until they can not get their money anymore.

We need to flood BofA with complaints.?? In my opinion they are the worst bank ever with the worst customer service.?? I still have one open account with them but I closed 3 and a family member closed 2.?? When I am completely finished with all of my PDL's I will be closing that last account.

SuzP please join the site so I can PM you.

They really are horrible.
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There are TONS of complaints online about them. I can't imagine anyone that does at least a little research into them before hand would ever open a new account with them.

Check out the response I got from Zip 19:

April 1, 2009
Flagstaff, Arizona 86004 USA
Dear,
We are in receipt of your fax dated March 27, 2009. Please be advised that all collection activities
and all communication by telephone have remained ceased while this account is under
investigation.
If you take a moment to review the attached loan agreement, you will see that Northway Financial is
licensed by the government of Malta as a financial institution, and the law of Malta, not the state of
Arizona applies to its terms. We provided you with this notice so that you would understand the terms
of your loan.
Our offer of a repayment arrangement in the amount of three (3) equal payments of $100.00 as
payment in full of your outstanding loan still stands. This represents the $300.00 remaining loan
principle on your current outstanding loan. Once payment has been received, we will consider this
account paid in full with no further obligation. Please be advised we will be unable to provide you with
our services in the future.
The three (3) equal payments of $100.00 can be made via Western Union or Money Gram, and should
be received by June 8, 2009. We have included the payment information below for your reference.
Alternatively, you may send your payment to the Northway Financial Corporation Ltd. address listed
above.
MoneyGram Express Payment Western Union Quick Collect
Receive Code 4476 Code City ECARE
Payable to ECARE CONTACT CENTERS Code State DE
Account 31483061 Payable to ECARE CONTACT CENTERS
City (Blank) Account 31483061
State (Blank)
Should you have any further questions, please feel free to contact our office with the information
provided below.
Sincerely:
Customer Support Department
Fax: 1-866-772-4556
Email: [email]supportresponse@zip19.com[/email]

LOL, the good old Malta Mafia.
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They state that in all their emails.
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The US laws and the laws of your state apply not their laws and they dang well know it.??Reply stating that fact.
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They can not do anything but continue the lies. Next they will say you are being "downloaded".

Any ideas on writing a letter for a PIF?

Here is what I used for my PIF. Hope this helps.
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[quote]
[size=2]I have contacted the Bureau of Financial Institutions (SCC) for the state of YOUR STATE, and have not been able to locate a Valid License PDL NAME holds in the state of YOUR STATE. This is a direct violation of State and Federal Usury Laws[/size]??. Also, this means that the maximum amount??PDL NAME??should have collected against this loan was $345.00. As??they collected $540.00 against this loan, meaning they overcharchged based on??YOUR STATE??statue by $195.00????Being that??PDL NAME??is not a registered business entity in the state of VA;??PDL is bound to adhere to the laws of??YOUR STATE??as well.[/quote]
In lieu of your blatant disregard for the laws of the State of **. I am offering PDL the opportunity to settle with me, per??YOUR STATE??LAWS. The state of??** prohibits payday lenders from servicing consumers in??** without valid licensing. This is violation of state and federal laws and is punishable under the Attorney General's office resulting in substantial fines. I have paid you a total of ($540.00) in interest and fees on a $300.00 loan which will clearly be an overpayment of my??legal principal. I am due an refund of of $240.00 according to my Attorney General and the??my state's Dept of Financial Institutions.??** laws state Renewals, extensions, refinancing of any type are prohibited. Thus, I am expecting Little Loan Shop to mark the account under the name of??YOUR NAME??"paid in full". I have filed complaints with the BBB and FTC. At no time will PDL NAME any representative, parent company, subsidiary, or affiliate of PDL NAME, place any derogatory mark on my credit report with any credit bureau, nor any other check writing database, such as Teletrack or an equivalent database. If PDL NAME??does not abide to the settlement conditions stated above, I will have no choice but to file a civil suit against??PDL NAME????for the monetary damages that I am entitled to per state of VA, and all legal fees that I acquire during the course of such a civil suit. I will also formally complain to, and request that the Attorney General of ** to??file criminal charges against??PDL NAME??for its illegal lending practices to the consumers within the State of **. All correspondence as of today YOUR DATE, shall be in written form either through the email address, [url=http://us.mc511.mail.yahoo.com/mc/compose?to=FOXROCK96@yahoo.com]email removed by Shazzers[/url] I provided to you at the time of the application, or via The United States Postal Service. Please acknowledge receipt of this letter, and acknowledge acceptance of, and willingness to adhere to the settlement described above, in writing, within 24 hours of receipt. If I do not receive this acknowledgement within 24 hours, I will begin the legal proceedings described above.
Sincerely,
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YOUR NAME
cc: YOUR BANK
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