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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?


Thank you llw-I did and can confirm that email address does not work. They have it set up for outgoing only.

Sub: #21 posted on Wed, 07/30/2008 - 16:36

jt jt

(Posts: 101 | Credits: )

just to update:

I called a friend who had a fax machine and sent the faxes out. I guess now its a waiting game? I've done all I know to do at this point.

Sub: #22 posted on Wed, 07/30/2008 - 20:19

jt jt

(Posts: 101 | Credits: )

In case anyone if following my taie, I just filed complaints with the BBB. For anyone who hasn't done so, I was worried it might be complicated but it was actually really simple. I recommend taking a few minutes and filing your complaints.

Sub: #23 posted on Thu, 07/31/2008 - 06:24

jt jt

(Posts: 101 | Credits: )

I'm glad to hear that jt, I always try to advocate filing complaints, it may be the only way to eventually stop this madness!

Sub: #24 posted on Thu, 07/31/2008 - 06:30

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

jt. . .thanks for confirming that address is non working for incoming emails. Chances are they are playing dumb. . .they got the C and D letters but by not acknowledging it they can say, oopsy, did I do that? You are right. . .it's the waiting game time. PDLs are good at that! Good luck with the faxes. Keep us posted.

Sub: #25 posted on Thu, 07/31/2008 - 07:12

llw1995 llw1995

(Posts: 1422 | Credits: )

aside from the settlement letter, not a peep today.
Calm before the storm? LOL

Sub: #26 posted on Thu, 07/31/2008 - 21:06

jt jt

(Posts: 101 | Credits: )

I got an email from paydaymax today offering a special rate on a new loan. I figured it was just spam but wanted to check in hopes my account was PIF and they hadn't bothered to tell me.

I couldn't log in. I'm guessing this just means we're banned?

Sub: #27 posted on Fri, 08/01/2008 - 09:19

jt jt

(Posts: 101 | Credits: )

Hi Folks,

Just wanted to check in. Our kids go back to school tomorrow so we've been busy with all that. The good news is, at least theres money to buy there supplies, which we wouldn't have if not for this sit and all you wonderful posters.

We have received no phone calls, no emails no snail mail, nothing in the last week (the last thing was a BBB response). The only call I did receive (now over a week ago) I requested a dunning letter which they claimed was mailed Aug 4th-still nothing.

But wow, we sure have been getting the loan offers in the email box!

Sub: #28 posted on Wed, 08/13/2008 - 11:40

jt jt

(Posts: 101 | Credits: )

Hi jt, I'm in the same boat but two weeks behind you. The solid waste hits the fan tomorrow morning when they attempt to debit a closed account. After that I'm expecting strongly worded letters from all 8 of my PDLs.

Did you file your BBB complaints online? Did you file with the FTC?

Good luck, I'm right behind you.

Sub: #29 posted on Thu, 08/14/2008 - 07:17

chroma601 chroma601

(Posts: 83 | Credits: )

Hi Chroma,

I did file with the BBB-got one standard BS respsonse from MTE. I haven't went with the FTC yet. I'm waiting for something to happen so I can forward it to the guy at the IND Office of Financial Institutions.

I am getting a bunch of emails from assorted CPD companies offering loans. I think they're on an account fishing expedition.

What state are you in? When it comes to anxiety, I can tell you being in the right state (IN, IL, NY) makes all the world of difference.

We're still playing catch up on our bills from this PDL mess, but theres a twinkle now at the end of the tunnel. Oh, and I had $$$ to buy my kids' school supplies and we get to eat.

I say relish your first full paycheck you get to keep next week.

You know, as the shame finally lifted and I started telling friends and family of our mess, I was shocked to find out how many more people had been in this same boat at one time or another.

Sub: #30 posted on Thu, 08/14/2008 - 08:46

jt jt

(Posts: 101 | Credits: )

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