NOTE: These 5 accounts apparently were purchased by National Credit Adjusters. The total amount borrowed from these 5 PDLs is $1350. The total amount paid back on these 5 PDLs is $1650. NCA claims we owe a total of $2100 on these 5 PDLs. NCA has offered to deduct 25% ($525) from the $2100 if we make a one-time payment very soon. Do I pay the $1575 making our repaid total $3225 on a loan total of $1350?
6) Ameriloan: Borrowed 300; Paid 360
7) a2bcash: Borrowed 400; Paid 496
8 United Cash Loans: Borrowed 300; Paid 360
9) Eagle Finance: Borrowed 100; Paid 107.50
10) Payday Online: Borrowed 250; Paid 400 (My wife set up a payment plan with this PDL after they had already deducted $300 from her bank account. We have paid an additional $100 on the payment plan for a repaid total of $400. They claim we still owe $320. Do I continue to pay the agreed upon $50 every two weeks?
**Amount listed as paid to each of the last 3 PDLs is the KNOWN amount. The TOTAL amount paid is questionable as there were some deductions from my wife's account that I could not match (with certainty) to these PDLs.
Here is that list of deductions, and my assertions:
a) Big ACH: $80 5/23/08, $75 6/6/08, $65 7/3/08. Looking past the common use of "Big" I assume these belong to Big Limited Loan - the 6/20/08 payment date missing here shows up under Big Limited Loan payment on bank statement as a $70 payment. If true: total paid to Big Limited Loan is $290.
b) IC Endless Summer Payday Loans: $90 5/23/08. Looking past the initials "IC" I assume this is Impact Cash. Loan received from Impact Cash on 5/6/08. First KNOWN payment on bank statement is 6/6/08, one month after loan was issued. The "IC" payment date of 5/23/08 fills in the missing 5/23/08 Impact Cash payment date and fits with the pay structure I see in all of the other PDLs. If true: total amount paid to Impact Cash Payday Loans is $360.
c) Payday Payments: $135.98 and $135.98 both on 5/23/08. I assume these belong to Cash Supply for the simple reason that there is nothing left to match them to. If true: total amount paid to Cash Supply is $571.96.
Any and all help on this matter is greatly appreciated. My wife signed up for only two PDLs and ended up with thirteen. We were separated at the time of these occurrences but have since reconciled. I want nothing more than to get these things out of my head. I can only imagine what she was going through for 2+ months on her own. How do we make people aware of the dangers of PDLs BEFORE they can wreck a person's sanity?
Also - my wife was threatened with fees of $15,000 and jail time if she did not fax an admission of fraud and her debit card information for $735, the amount she supposedly owes. I called the number (310-775-9069) and gave them a large and vocal piece of my mind. They left messages (three or more times a day) saying they are from United Legal Processing Division but did not and would not identify themselves when I called them. I was passed around to at least five different Indian-accented men within five minutes, each one more belligerent than the last. They hung up on me twice telling me that only God can help me now. Thanks to all those who posted their stories involving this number.
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