Debt Consolidation/Paying off debts

cnina, here is some information posted on Hushawk

Instant Loans Now
223 West Bulldog Blvd # 529
Provo UT 84604

PH - 866-735-4015
Fax - 866-735-4016

I had this company and they were one of the first to give me a PIF and a refund.

Cnina, Went to the Utah Department of Commerce and ,did a business entity search for Speedy Payday as was mentioned on a thread I found... this is what I came up with from their web site

Speedy Payday Loans
494 Tabernacle
St George, UT 84770

AS for 24/7, is that what was on your bank account or did they use another name to credit and debit your account...if so what was that name?

its actually listed as 247advances.com

thanks so much for the help! instant loans now i been paying 150 for extensions fees totalling 600 for a 500 loan.

my account is CLOSED, will they be able to try to access money on the 12th??

c, no they should not be able too, but be sure to check your account. Anything can happen. As for instant loans now....keep on them, they were one of three (I had 9) that sent me a refund. They did no harrass me and PIF'd me quickly, I think they were either the 1st or 2nd.

thats great! i will keep on them. i have heard some success stories and horror stories on some of these pdls. i have like 2 i havent paid on. 247 i paid 74, but was actually scheduled to pay again, and they havent called me yet. so i dont know whats up with them. before my account closed, i wnt online and did a "find transactions" thing. i individually was able to print out EACH PDL, how much they put in and how much they have taken out for "evidence" if needed!!

Awsome! That will be good information to have. If they have not started calling, enjoy the silence while it lasts. :D

oh one started calling. 500 fast cash. eeek! :shock:

C, I researched what I could for 247advances(dot)com and found posted on another site that they are related to 356fastcash(dot)net. Here is the phone number for 365fastacsh. Maybe this will lead you in the right direction. I googled and checked the number with the BBB and nothing. I can not call that number from work so here it is....800-913-0715

well i guess the only thing i can with them is wait til they call me. i mean i can't send a letter to them w/o their address. :/ u been great help!

C, any time. When they do call you and if you have caller id, see if you can google the number or use the number to look up information in an advanced BBB search. If you want to post it we can help you too.

Huh. I called the number (yes, I'm bored!). It was a recording saying Thank you for calling 356fastcash(dot)net. Leave a message and your call will be returned within 24 hours or visit our website at 356fastcash(dot)net and log in. Blah, Blah, Blah. Okay............

Go Figure.....I guess C will have to wait for them to make contact. Oh well, can't get your money if you make yourself too hard to find. :evil:

What? Are you implying that they may be hiding? A pdl hiding? :shock:

:lol: :lol: :lol:

have started to come in. only from two companies united cash and 500 fast cash... I will start sending the letters out cuz come this friday.. its going to be the other 11 who will know that the account is closed!

so now i send out my letters to these people since my acount is closed correct? and cc my AG, BBB, and FTC?

well i received a call here and there from united loans. i got two letters about them being "Sent to collections" for 500fast cash and United Cash. i bascially sent my letter to AG, FTC, and BBB, i emailed the letters as well to every PDL and am sending them certified. CTC, couldnt open my attachement so they gave me a number to call but we will see about calling them, or just keep emailing them. FTR Processing sent me THIS email:

Subject: RE: Loan
> Date: Thu, 10 apr 2008 11:43:24 -0400
> From: [email]josh@mitchemcompanies.com[/email]
> To: [email]nina2219@hotmail.com[/email]
>
> Mrs. Camacho
>
> I respect a consumer who researches the services to which he/she
> uses. With that being said when you applied for and agreed to the terms
> of the loan it would have behooved you to read the complete contract you
> were agreeing to. You are a citizen of the state of California, however
> the contract was not made in the state of California. The contract was
> completed via the world wide web, the governing law (clearly outlined on
> page 4 of your contract) which you agreed to by your legal e-signature
> is based in the isle and providence of Nevis West Indies Bahamas. When
> you spoke with Dominic Magana on 03/07/08 12:42 pm cst he clearly
> outlined how the loan works and what the finance charges were, yet you
> still excepted the loan.
>
> If you would like to schedule a payoff or paydown on the
> balance due of $390.00 you can call our offices at toll free
> 1-866-230-7824. If you revoke authorization for the debit that is due on
> 4/11/08, your account will be sent to outside 3rd party collections. If
> your account is sent to outside collections it could hinder your ability
> to write checks or receive cash advances from our over 100 affiliate
> loan companies.
>
> If you have any questions do not hesitate to call or email.
>
>
>
> Thank you,
>
>
>
>
>
> Josh Mitchem
>


i guess i wanted to know my next step with THESE guys?

help!

Attached is a copy of your contract. In regards to the governing laws, see page four of the contract. The governing law of California is not applicable, since you agreed to abide by the laws of Nevis.If you wish to revoke authorization of our debit you need to file that with your bank. If you funds do return to us as a stop payment, your loan will be sent to outside collections. -HuskHawk Marketing

so these are the two letters i have gotten from them. granted the contract was MADE in wherever, it doesnt follow under CA guidelines correct???

yes,they all say that.the loan is under your state law not theirs.don't let them tell you different.

so what do i tell them? basically that under California law 1. I am only supposed to have one loan at 300 maximum, and that there is no rollover fees or extension? That I cannot WAIVE california Law???

if i'm not mistaken,both of those are MTE,they are totally illegal.keep at them.they will do and say anything to get you to pay,don't believe it.

Good advice Paul. C, Paul is correct...keep telling them the same thing over and over agin. Stick to your guns. FTR Processing can get really ugly, threaten to have you arrested for fraud, tell you they are going to have you arrested, the cops are comming to get you at work. Just do not let them scare you. They can not have you arrested. As Paul pointed out, you go by your laws, not theirs.

well i will do that then. i did send my complaints to FTC and AG. I sent all my letters in the mail and CC ag, FTC and BBB. I will stand firm and try my hardest to get all these off my back!!

C, Good for you. Fight the good fight. Just remember we are here for you and here to support you! :D

yeah im just soo..scared for whats to come. i am hoping for the best. i closed my account but im scared that they will try to take money out.. they must not be able to cuz i received a letter from United cash and 500 fast cash saying im now in collections with them..

C, my opinion, collections is not a bad thing all the time....atleast with collections there is no question about which laws they have to follow. They have to abide by the fdcpa (Fair Debt Collection Practice Act) and if they do not, you can file against them. I got more resolution from the CA than with the pdl. If you have time..go to the dealing with collection agencies fourm...at the top there is a sticky on the FDCP, look at it and read some of the members posts. That may help you. Do not be scared of what is to come. You have us. We will be here, hold your hand, listen, help and cheer you on. I promise it will be ok...

okay. i dont care if i go thru collections. i guess i want some easy resolutions! lol im inpatient!! but what can i do? lol. im just glad they cant debit my account anymore

they are just gonna keep callin. they called my work just now. i need them to not do this!!

its cnina0224. i cant seem to get back into my account? it never sent me a "forgot my password email" either :/ well i got scared cuz CTC said they debited from my account. they HAVENT debited from my new account. they couldnt have taken money out of my old account if its closed correct? i am just checking.

NINA...no, they can't get money, from a closed account. If they try to debit your account, the payment will 'bounce-back' to them.

UPDATE. well i got my stuff back from the AG. I am supposed to send a complaint to Department of Corporations. so thats my next step. I have recevied emails from some of the BBBs with my complaints open, and have also received confirmation from FTC. One Letter got kicked back from me that i sent to FTR Processing, but the BBB has that open and i think i have their email (which i sent the letter to them as well via email). my phone hasn't been ringing too crazy considering i have 13 loans.. so we will see!

Cnina, thatks for the update. I am happy to see things are rolling along for you. :D

Happy to see that, too. PDL's are a nightmare. I know it's overwhelming, but, just remember......deal with them one at a time.

cnina, I am happy that things are calming down a bit for you. They are a little for me too, not too may phone call which is kinda shocking! I hope things keep going well for you, keep us updated!