Needing Help in Arizona

Thanks, what a great help!

I love it Anyaroberts!!!!??

I sent those leters so let's see if I stop getting the calls.
Yes, the PDLs are good at this stuff. They are now having other people call me, that say they are not affiliated with the PDLs but they need me to call before they begin criminal proceedings.

First and foremost, you can not be charged with criminal proceedings..LOL!

Nonpayment of a debt is a CIVIL matter not an CRIMINAL offense. This is the typical BS they will try when they know they cannot win. Why, because they are Unlicensed and Illegal :wink:

Do not call them back and ignore the calls.

Several of the pdls keep calling even though I have requested all correspondence be in writing. I keep sending them all of the letters I have written. Do they have to respond to my written requests?
The only one that has actually acknowledge anything is Zip19 and they backed off all of there fees and settled for the loan amount.

The legal ones do but unfortunatly the illegal ones do not. You just have to ignore the calls. They will get the message but it will take time.

Suzp you need to stay calm.

Please understand ILLEGAL companies do not always paly fair. They will continue to call untill they feel there is no point to. So please send them letters every week if you must. Remember do not panic. They should honor your request and communicate with you in written format. But most likely they will not do that untill they realize calling you gets them no where.

Stick to your guns and stay positive :wink:

Thanks!

I will keep my head up. I know I'm in for a long battle but I can get through it. It still amazes me how many people have gotten through this.

I now have the illegal PDLs sending me email telling me that they want me to sign up for additional on-line access to my account.
Should I ignore them or should I just keep sending the letters?

Keep sending your letters!

I have a lot of payday loans that I am trying to settle. I had an account with Bank of America and I closed it. So far anything that the lenders have sent through has been returned to them with no fee to me. Is there anyway for the account to be reopened? It's been closed for about three weeks now.

I would leave it closed.

Just open a new account.

How did you get Bank of America to help you?

Ugh, BOA is tough.

nohiogal can guide you in how to deal with them better. Hang tight!

I don't think she was asking me, she was asking the person before me.

However here is a thread that delt with BoA and she did get them to freeze the account. It seems a compaint did it.

Read more in that thread for more information.

That poster was in NJ were ALL payday loans are prohibited and she still had trouble. They are really horrible to deal with.

I think I just posted this to the wrong forum...OOPS!

I don't know how it happened but BoA put a hold on my account. What a bleassing!

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

Only Zip19 has ever responded to any request that I have sent and they agreed to settle for the amount of the loan with no interest or fees. We will see if that really happens....

Congratulations!


This is normal behavior for them. Those clowns are scratching their heads thinking of a scare tactic. I wold continue to send the proposal letters and monitor your account.

It looks like there a lot of people in AZ having problems with payday lenders. Does AZ just have some of the worst laws?

Nope WI does :(

Any advise on contacting AG office to get them to pay attention to this problem? I filed complaints but will that really make an impact?

I admit that I am the one that took out the loans but the interest and fees are what has killed me.

There is not much the AG can do with illegal loan companies.

They can come in handy for collection agencies that are legal but trying to collect on an illegal debt.

As time goes by I am still trying to get all of this worked out.
A few of the companies have actually sent written responses and for now the phone calls have stopped.
I did get a letter from Cash Supply stating that they are not subjuect to AZ law. But then don't they all say that? The good news is that they are willing to settle the account for only the principal and no interest.
I am once again encouraged that I will get out of this mess.
At last I heard from someone at BofA about the letter I sent to Mr. Lewis. I will not be able to talk to them until tomorrow because of the time change. I will post as soon as I talk to them. I am not expecting anything from them so just getting a return phone call is a shock to me.

Thanks for the update.

Hang in there. It does get better. At least you are in control now. :)

I just spoke with Bank of America. I think I am more frustrated with them now than I was before.
I do appreciate the fact that someone called back. Her apologies were absolutely insincere! and the best part is that they do not have notes on the majority of the calls I made!
Of course, they are not willing to do anything to help except send letters to the managers of the people I talked to and it will be up to the individual call center managers to decide if they will talk to the employees or not.
To me that translates to another no response.

Then file a complaint against them. I know others that have delt with BOA said that was the ONLY way they got them to do anything.

When it rains it pours......

I got a letter from Bank of America that said we are sorry to lose your business but we are not willing to help you because you did business with these companies in the past.

And to really make my day I just got the nastiest call from Geneva Roth. They said that the only correspondence they have ever received from me was only to revoke the ACH and nothing else. I know they are wrong and when I told the guy that everything needed to be in writing he admitted that he knew that and they had sent emails to us. Isn't it funny how I never received them?

What is the best tactic at this time to get thenm to leave me alone. I have paid them $900 on a $500 loan. They are saying that I owe them another $1200.

One more thing, I received a letter from Cash Supply that said since I found them on the internet they did not have to be licensed in Arizona and Arizona law did not aplly to them.

Yes, it has been one hell of a horrible day!

That is BS. They are breaking the law. You have the right to revoke the ACH of any company at any time and it does not matter if you did business with them once or a million times.

Please file complaints against them.

You can do that here.

I did file an FDIC compalint and they told me that since it was not a deposit insurance related issue they could not help.

Maybe I did not use the correct wording, any advice?

Okay go here and read about the fact that in every one of the questions they suggest you do two things.

Contact the merchant/company and revoke the ACH, which you did. Then contact the bank before three business to revoke the ACH, which you also did.

File a complaint with the OCC. Do that Here. As soon as you get a reponse or a case number return to the bank with it and tell them you mean business.

There is also a number on the bottom of that page if you want to try and call with your issues.

Geneva Roth refuses to correspond in writing, what now?

Then they get no payment.

They must go by your terms, not theirs.

No cooperation no payment, simple. :wink:

I hung up on the guy from, Geneva Roth this morning.
He was talking in circles and everytime I tried to get a correct fax number or email address he would yell. He definately did not like the fact that I kept trying to hold him accountable to what he was saying.
But I have paid them $900 on a $500 loan so I am trying not to give in and set up a payment plan for a settlement.

Do not give in. Don't even speak to them.

Try sending the letter to this address

[email]tbarner@loanpointusa.com[/email]

Are LoanPoint and Geneva Roth the same?

Yes

Oh yeah they are the same goons :evil:

Is it true that licensing does not matter since I looked online for the PDL?

Is this just another scare tactic.

Another lie.

It does not matter how you obtained the loan. The fact is they should not lend to consumers of AZ without a license in AZ.

Quote:

Has anyone had in success in getting Geneva Roth to back off?

Many have just stand your ground and dont stress it. They are Illegal.

I sent an email to loanpoint and then I ghot another call from them. I told the guy that I was not going to talk to him because I could not get a straight answer and then I hung up.

Email them again and make it clear you are only going to correspond with them via email or USPS. Do not speak to them on the phone or answer their calls.

You want every conversation in writing.

I have not answered any more of their calls today. They have left several messages stating that I was provided the contract when I got the loan and that nothing else would be provided in writing.

They say that because..
1) You never got loan document and....
2) because the never want proof they gave a loan to a consumer in a state they don't have a license in

Now they are harassing me at work and are refusing to do anything to anything in writing. I have sent them all of the letters and they are refusing to comply.
I know I need to stay strong but I am going to settle with Geneva Roth. I can simply can not deal with the stress and I am getting in trouble at work with all of the phone calls.

He just called back AGAIN and said that all of the information is in my contract and since I already have everything in writing they are not willing to do anything in writing and since I have written letters and am a difficult person to deal with they are not willing to work out a settlement and if I do not agree to a payment plan ($1300.00 by the end of the month) they are going to garnish my wages.

They are not going to garnish anything. Stand your ground and wait it out. If they are unwilling to take payment then tough cookies for them :wink:

And for the last time they are Illegal.

I have not had much to say lately since no one has been bothering me.

Then I got a call today from some guy, there is a lot of noise in the background and he has an East Indian accent. He says that he is from an attorney representing Cash Net Express.

I have no idea who this is and when I tried to get more information from him, he said that there was no information he could provide me and that the case was being turned over to the appropriate court. He also said that I would never be able to get a job again as my social security number and name would be blacklisted by everyone in the states.

I told him to do what he has to do until someone provides me with information in writing on where this origianted. He could not give me that information because Cash Net Express has over 100 websites.

What do I do now????