AlsoDrowning
Date: Sun, 11/09/2008 - 09:01
I read on this forum to block or freeze account, but don't know if bank will cooperate or not since I haven't seen positive comments about 5th Third. Has anyone every closed an account and opened a new one at the same bank? Below is my info. I am from Indiana. All are Internet shops, CheckSmart is storefront. I checked Indiana licensee list but can't figure out if any of these are on there since they could be under a different name. How else do I find out? What IF they don't have a license. What does that do?????
United Cash - Borrowed 300 - Interest Pd - 450.00 (90 bi-wk) - BuyDown Pd 50.00 They are now debiting 4 separate transactions!
Nationwide - Bor. 300 - Interest Pd - 450.00 (90.00 biwk) - BuyDown Pd 50.00
Cash Direct - GECC - Bor 300 - Int Pd - 556.50 (79.50 biwk) - BuyDown PD - MAYBE (based on 2 extra debits with last payment on 10/3 of 30.00 and 60.00) Don't know what those were for yet. Company phone lines busy and can't get through!
They have not taken anything last 2 paychecks, but my status box on website says I owe 423.60!!
FlashLoans - Bor 400 - Int Pd - 360 (120 biwk) - Status box says Balance Due 140.00 - Think that is just another interest payment! Doesn't show a total balance due
Integrity - Bor 300 - Int Pd - 90.00 -
LoanShop - Bor 300 - Paid 635.40!! They have taken 211.80 every other week for 3 weeks. Trying to contact but put on hold 5 minutes and it finally asks to leave a voicemail.
Checksmart - Bor 600 - Owed 622.00 - Went on a buydown of 4 separate payments of 150.00 Paid 150.00. Missed next payment due and paid 250.00 by contacting their corporate office. They want the entire amount of 622 before they'll REFUND the 150.00 I paid in the store for the first scheduled payment! Should only owe them 122.00.[size=2][/size]
reply
well first hello.second it looks like all of your internet loans you overpaid as none are licensed to lend in indiana.the storefront you will have to deal with differently as it is legal.you can find examples of DV and C&D letters in the also see section on the bottom right of your screen.you can customize it how you wish.now these illegal pdl's will say and threaten alot of stupid stuff.none of which they can or will do.just get those letters out after you have secured your account.if your bank won't help then if you get direct deposit get a live check for a couple of weeks until you find a new bank.if your bank will help you then it is up to you if you want to open your new acciunt at the same bank.some here have done that.others like myself switched banks.just know that the internet pdl's are illegal and you have overpaid them.take care of your account and get the letters out.send them certified mail return receipt.
