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I have talked to this company over the phone and delayed thier collection process by telling them I would pay then on 09/03, but i do NOT want to give them my new checking information. I have filed complaints with the BBB, AG and FTC, but I have a feeling this doesnt stop them...i want to avoid the phone calls at work, but is there anyway to deal with these nasty people? it was a $200 loan and I have already paid $725. I am scared about the actions they will take. my bank account is closed but it seems from what I read these people stop at nothing to make your life miserable. any advice would be great!

Are you dealing with a online pr store front payday lender?
What state do you live in?
What company are you dealing with?

Just a little bit more information and I am sure the community will be able to assist you.

Sub: #1 posted on Thu, 08/28/2008 - 21:22

bdouble bdouble

(Posts: 354 | Credits: )

Don't accept there telephone calls. There is no law that states you have to talk to them...Block their number - they can't sue you because they are illegal and besides they owe you money. Don't fall for their BS because that is all it is. You will never get the moeny back that you overpaid. So as long as your bank account is closed, you should be okay.

Sub: #2 posted on Thu, 08/28/2008 - 21:28

ksando44 ksando44

(Posts: 67 | Credits: )

I dont want money back. I am in AZ, its BIG limited loan. I cant block the # because it comes up unknown. Its an internet company. I dont want them to come after my new account, is there any way they can do that?

Sub: #3 posted on Thu, 08/28/2008 - 21:59


No they shouldn't be able to get to your new account and if they do dispute it with the bank - they will refund you your money. You can actually go back 60 days and dispute the charges that they took from you already - tell them you didn't authorize them because morally you only owe what you borrowed. If you are unable to block their calls - just ignore them...Unless, they are willing to refund you your overpayment which they won't - their is no negotiating on your part - so basically - I wouldn't worry about. That is exactly what I did - they know they are illegal and will try every which way to get more money but basically the contract is "null and void" they can't sue you nor can they threaten to file criminal charges because again they are illegal. Good luck!

Sub: #4 posted on Thu, 08/28/2008 - 22:24

ksando44 ksando44

(Posts: 67 | Credits: )

You need to shoot this company an email or fax it and revoke ACH authorization and wage assignments asap! Print out the email and take it to your bank so they will know ACH transactions are legally revoked. Do you have your new account at the same bank? You might want to call your bank and speak to the Branch Manager to make sure your old account can not be forced back opened.

B I G Payday
1005 Terminal Way STE 102
Reno, NV 89502-2179
Telephone: (877) 282-5450
Fax: (877) 762-7350

Sub: #5 posted on Fri, 08/29/2008 - 04:07

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

Big is relentless. They are an offshore company based in England and will try to tell you that you must abide by the laws of the U.K.
They are one of the worst to deal with, and will stop at nothing to get your money. Be sure your account is closed and can not be reopened for any reason

Sub: #6 posted on Fri, 08/29/2008 - 04:43


I have emailed them a letter and I have already talked to my bank. My account cant be forced back open. I have sent a C&D letter but that did work. This is the letter I used:

August 19th, 2008


(Information removed for your safety. cannr)After doing research regarding Internet payday loan laws in the State of Arizona, I have found that your Internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the State of Arizona in general:

Legal Status: Legal

Ariz. Rev. Stat. ???? 6-1251 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 5 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: Three (extensions)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $25 NSF fee + actual charges assessed by the financial institution
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Arizona Department of Financial Institutions
Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018
Phone: (800) 544-0708
Fax: (602) 381-1225
Regulatory Contact: Robert Charlton,, Assistant Superintendent of Banks

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with (bank name removed. cannr) to protect my interest in this matter, per instructions from The Arizona Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

Due to the fact that Internet payday loans must be licensed in the state of Arizona to be a legal and binding contract, your company should NOT issue loans to Arizona residents at all. I am requesting that you send me your license number which enables you to offer loans to Arizona residents.

The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loan were legal anywhere in the U.S. I am willing to pay the principle amount of the loan only; however, this is only if you provide me with a physical address where I can send payments.
I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the Arizona Attorney General's Office.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

But not even 30 minutes after I sent it they were calling. Then the following day they called me at work. There is no valid address to send the letter to so I was only able to fax it and email it. I have also sent this letter to my bank. I really want to avoid the calls at work. How long do they call before they give up and leave me alone?

Sub: #7 posted on Fri, 08/29/2008 - 10:02


It doesn't hurt to send them letters but just know they will have no affect other than if you use them as proof for your bank or something. BIG is a scam though and their goal is to get you to give elctronic access to your accounts so they can bleed them dry. Just hang up when they call. I wouldn't even let them say a single word because I hung up so fast unless you just feel like messing with one of them.

Sub: #8 posted on Fri, 08/29/2008 - 12:22

Moderators Cum Industry Expert
(Posts: 1078 | Credits: )

I am completly freaked out about them contacting my work. They only have my direct #, so when they call they will get me first, but when i start hanging up on them wont they start looking for antoher # to contact me at work. Once they get and 800# to my place of employment they will start harrassing other people I work with and that is what I DONT want. i can handle them calling me, no problem, but I cant handle them talking to people I work with.

Sub: #9 posted on Sun, 08/31/2008 - 19:30


jewels, here's what I did, and I think you can do it too. Since your number is your DIRECT number, answer it but DO NOT SAY YOUR NAME. If it's them, tell them "she no longer works here". I had to to it to prevent them from calling my workplace 1,000 times. Worked like a charm. They stopped calling my work, but they called my cell a million times. I changed my number. Just remember, they can't do SQUAT to you, honey. NOTHING. Do not be afraid of them. At all! Just try the "trick" of you not working there anymore and the calls to your work should stop. Hell, it's worth a shot! Just for awhile, don't say your name when you answer....... :wink:

Sub: #10 posted on Sun, 08/31/2008 - 20:04

cannr cannr

(Posts: 9317 | Credits: )

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