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Next Step To Ending The PDL Nightmare?

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Hello Good People,

Thank you so much for all the helpful info you've provided so far. This has been a rough weekend for me mentally (I suffer from acute anxiety to begin with) and I'm wondering if you can advise me what's going to happen next?

Bank account has been closed-cannot be forced open.

Direct deposits are going into the new account.

The employer has stated they will not grant voluntary wage assessments-they will only garnish if they have a court order with a case number (to put into the computer). We're going to provide a letter anyway just to be extra safe.

C&D Letters have been mailed (certified with signature confirmation) although now I'm not sure the ones for Credit Protection Depot went to a current address.

These PLD accounts were opened over 2 years ago, and I don't recall who the references are that were listed, but we have advised those that might be getting calls whats up.

The debits were scheduled to come out last Friday, July 25th. My question is, what's going to happen next? When will the calls start coming in? What do I tell them?


It's hard to say . . . Sometimes you will get calls, other times, not so much.

The best you can do is be prepared. The calls can be scary, so you need to know that they are liars. Remember that, you cannot go to jail. They cannot take legal action against your employer.

Sub: #1 posted on Mon, 07/28/2008 - 07:07

goudah2424 goudah2424

(Posts: 7935 | Credits: )

I think we're prepared for any BS but I'm wondering what to say to them? I think we should ask them for a mailing address (and from what I can tell from what I've read here they won't provide one) as well as requesting a copy of their license to loan funds in Indiana (something else they can't provide).

2 of these PDLs are credit protection dept, the other 2 MTE. In each case, one is overpaid and he otehr tehre is money owed on the principle, but basically, if we could get a refund we would be even.

Sub: #2 posted on Mon, 07/28/2008 - 07:18

jt jt

(Posts: 101 | Credits: )

anyone know how long after ACH's are rejected until the phone calls start?

Sub: #3 posted on Mon, 07/28/2008 - 10:28

jt jt

(Posts: 101 | Credits: )

It's really difficult to gage when they will call, sometimes it's right away, and sometimes it takes awhile. :)

Sub: #4 posted on Mon, 07/28/2008 - 10:41

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

It sounds like you are on the right track to being pdl free.:) Do not give out your new bank account information to anyone, I hope that you have opened your new account at a different bank or been assured 100% that these pdl's won't get into your old account if you are still with the same bank.

Sub: #5 posted on Mon, 07/28/2008 - 11:40

ladybug ladybug

(Posts: 2757 | Credits: )

Hi ladybug,

My gal at my bank did assure us there's no way our new account can be debited. I have her business card and I've been checking my account often. But the waiting to see what happens next is killing me. However, it's no longer killing our family's ability to buy food!

Sub: #6 posted on Mon, 07/28/2008 - 18:18

jt jt

(Posts: 101 | Credits: )

jt. . .you have half the battle over by closing that account and gaining control of your money. I know about the waiting game. I couldn't stand it either, and as a result I probably pushed too many buttons, (according to the PDLs anyway) but in the end I did come out the victor. . . . you will too. Keep us posted.

Sub: #7 posted on Mon, 07/28/2008 - 18:23

llw1995 llw1995

(Posts: 1422 | Credits: )

I am glad to hear that you have finally found relief from these pdl's. Pretty soon you will pdl free and will be so happy:)

Sub: #8 posted on Mon, 07/28/2008 - 18:23

ladybug ladybug

(Posts: 2757 | Credits: )

i'm glad things seem to be working out - you're on a great track! if they call, you can always simply say that you wish all communication to be in writing. that actually has worked for me. i only have one pdl left to settle and even they dont call too, too much.

Sub: #9 posted on Tue, 07/29/2008 - 11:17

bea2ls bea2ls
(Posts: 3840 | Credits: )

Thank you :)

I've received emails from 3 out of the 4 places today. I sen the C and D letters back. There was 1 call. I checked the number on the Internet and it came up mycashnow. We don't have one with them but we do with 2 of the sister companies. I didn't pick up and they didn't leave a message.

Sub: #10 posted on Tue, 07/29/2008 - 11:24

jt jt

(Posts: 101 | Credits: )

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