I have sent emails, still no response...Emaerald, Impact, Integrity...

Your bank account is closed so that can't take anymore of your money right? Some places are not going to send you a PIF or refunds. I have not received either from any of mine and its been over 3 months since I closed my account. Sometimes the best you can hope for is for them to just leave you alone!

Actually you may not hear anything from them until after you defualt. I don't think I heard from any of mine until about a week or so after I defaulted.

Technically, I can't default because i have payed back about triple on most of my loans. Since they are not licensed in Mississippi, I'm only required to pay the principal so they should just leave me alone and give me my refund. Resqume1, did you have any loans with the companies listed above?

In my experience Emerald is the least likely to give you a refund or even respond. They may just possibly dissappear never to be heard from again. I would apply more and more pressure to all of your pdl's, send them emails quoting usary laws and such, make sure you let them know everytime you hear from the FTC, or BBB or even your attorney general. Also make them aware if you get lucky and speak to someone like your DFI. Just keep them informed that you are pursuing these complaints all the way to the top, no matter how long it takes you! That usually lights a fire under their butts, as long as they continue to hear from you, updates on complaints, or other options you may stumble onto, etc.

Shazzers what's DFI?

DFI = Department of Financial Institutions. Just google your DFI by state and you should find it.

I finally received something from Integrity below...read string of emails below.

----- Original Message -----
Subject: RE: Integrity Advance Mutual Release 33236070
Date: Tue, 28 Jul 2009 15:37:31
From: XXXX
To: [email]anthony@iadvancecash.net[/email]

By federal law, you have to abide by Mississippi laws when it comes to payday lending because that's the state I reside in. Furthermore, you have to be licensed in Mississippi to do payday lending. Please provide me with a copy of your license to lend in Mississippi. As far as the past loan goes, that was when I didn't know any better...I should have NEVER paid more than the principal back since your company is not licensed to do loans in Mississippi. As I stated earlier I demand a "Paid in Full" letter and a refund for my overages. Thanks and have a great day!

Anthony W. wrote:
> Ms. / Mrs. XXXXX
> Thank you for your timely response. As clearly stated in the loan documents you signed, the laws in the state of Delaware bind your loan. We are licensed in the state of Delaware and are governed by the State Banking Commissioner. You didn't have any issues with paying off your first loan and you adhered to the terms and conditions of the loan. In an effort to resolve this matter amicably we are willing to except a final payoff amount of $350 to recoup the total $500 principle amount of your second loan. If you need to setup arrangements we are willing to work with you. We'd like to prevent this matter from escalating and resolve this matter with you. Thanks,
> Anthony

> -----Original Message-----
> From: XXX
> Sent: Friday, July 24, 2009 1:32 PM
> To: Anthony W.
> Subject: RE: Integrity Advance Mutula Release 33236070

> Dear Mr. Anthony W.: You say that you don't solicit funds to residents of Mississippi but I have a loan with your company. By law, since you are not licensed to do payday loans in Mississippi, I'm only entitled to pay back the principal. I have done above and beyond that between the two loans. As a matter of fact your company actually owes me a refund. I am not taking this settlement & I have already filed with the Mississippi Attorney General's Office, BBB, & the FTC. I want a "Paid in Full" letter and/or email and a refund of my overages paid. Have a great day.


> Anthony W. wrote:
>> Dear??Ms. /
>> Mrs.??XXXXX
>> ??
>> We are responding to
>> your communications with Integrity Advance,
>> regarding your loan,
>> which has a current??balance of $650.00.??We
>> consider this to be a
>> valid debt.??Integrity Advance??takes its obligations
>> to comply with all
>> applicable laws very seriously and?? ?? expends significant
>> resources to ensure
>> this.
>> ??
>> Integrity
>> Advance??makes short term consumer loans pursuant to licensure
>> and regulation by the
>> State of?? Delaware. Integrity Advance??does not
>> maintain a business
>> location in??Mississippi.??Integrity Advance??does not solicit
>> customers
>> in??Mississippi. On advice of counsel,??Integrity
>> Advance??maintains
>> that the choice of
>> Delaware law as controlling in the loan documents
>> would be upheld, as
>> all significant contacts in the loan transaction
>> occur within??
>> Delaware .
>> ??
>> Despite our position
>> stated above, and without obligation to do so ,??in
>> the
>> interest of resolving
>> this matter without escalation and further expense,
>> we are
>> willing??consider??this matter resolved??once you have complied
>> with the terms of the
>> settlement offer below.
>> ??
>> Settlement Offer
>> Integrity
>> Advance??is making a onetime limited offer to release you from the
>> outstanding balance
>> of your loan ($650)??only upon??receipt of??$500 received no
>> later than August 20th
>> 2009 and satisfactory evidence your complaint with the Better
>> Business Bureau,
>> Federal Trade Commission and Mississippi Attorney General's
>> Office??has been
>> resolved along with the??enclosed??signed Confidential Mutual Release
>> Agreement. Please fax
>> the signed release to our Customer??Service Department at
>> (800)616-0533.
>> ??
>> ******PLEASE SEND US
>> THE SIGNED RELEASE NO LATER THAN?? JULY??3 1 , 2009??. IF WE
>> HAVE NOT RECEIVED THE SIGNED RELEASE
>> BY??JULY??31ST??2009. THIS SETTLEMENT OFFER WILL BE AUTOMATICALLY
>> REVOKED AND WE WILL CONTINUE TO HANDLE YOUR ACCOUNT PURSUANT TO YOUR LOAN AGREEMENT.******
>> ??
>> PLEASE KEEP IN MIND
>> THAT THE EXISTENCE AND TERMS OF THIS SETTLEMENT OFFER AS WELL AS THE ENCLOSED
>> CONFIDENTIAL MUTUAL RELEASE AGREEMENT ("AGREEMENT") ARE TO BE KEPT IN
>> THE STRICTNESS OF CONFIDENCE AND YOU MUST NOT DISCLOSE THE EXISTENCE OR ANY OF
>> THE TERMS OF THIS SETTLEMENT OFFER OR THE AGREEMENT TO ANY THIRD PARTY OTHER
>> THAN TO YOUR PERSONAL ATTORNEYS OR ACCOUNTANTS.
>> YOU ?? FURTHER UNDERSTAND
>> THAT THE AGREEMENT PROVIDES THAT, IN THE EVENT OF ANY DISCLOSURE INCONSISTENT
>> WITH THE TERMS OF THE AGREEMENT,??INTEGRITY ADVANCE??WILL BE ENTITLED
>> TO RECEIVE FROM YOU AT LEAST $10,000 IN LIQUIDATED DAMAGES.
>> ??
>> ??
>> Sincerely,
>> ??
>> Integrity Advance,
>> LLC
>> 300
>> Creek View Dr
>> Suite
>> 102
>> Newark,
>> DE 19711
>

Are the emails I posted automatic and not personally generated...it makes me wonder since It's always worded Dear Mr./Mrs.? Also, can they really do the following..."WITH THE TERMS OF THE AGREEMENT, INTEGRITY ADVANCE WILL BE ENTITLED
TO RECEIVE FROM YOU AT LEAST $10,000 IN LIQUIDATED DAMAGES. "

how much was borrowed and then debited by integrity?on a side note.they do take alot of time just to be full of crap.if you overpaid your loan there emails should be forwarded to your state AG.either way they are full of it in every way.

Paulmergel, they take alot of time to do what....leave me alone or send me a "PIF" letter and/or refund. I borrowed about $1,000 between 2 loans and i know I have paid AT LEast $1,400 between the two. It may be more, I don't have my paperwork in front of me right now.

I think he was saying they took a lot of time in that letter to say nothing at all.

exactly resqume1.i got alot of those from ipdl slime.it seems as though you paid these back my friend.anything they e-mail is hot air.they go for the if you can't convince them confuse them.i would forward any e-mails to your AG,and not give them another thought.

if you go to the paydayloaninfo site, you'll see that only 4 rollovers allowed. if they are trying to say that you need to abide by delaware rules, than why did they keep charging you the finance fees over and over again? so, you definitely should stick to your guns and not pay them anymore.

Good point guest...thanks. What's the address for the payday loan info site?

http://www.paydayloaninfo.org/states.cfm

Thanks Shazzers...this is only the beginning and I'm already tired. I just want PIFs and refunds ASAP....these companies are just so trifling!