Need help/advice

five...please calm down and take a deep breath! You can't help anyone else if you can't take care of yourself. This is hard work...I won't lie...but it can be done.

1. You must sit down asap and figure out how many and which payday loans you have.

2. Post the following information and we will do our best to help you through this...give you some ideas of what you can do.

Many of us have been in the same boat as you...with payday loans and personal issues at the same time. It is hard but you can make yourself strong to get through this.

Please tell us:
1. What state are you in??
2.Name of pdl?
3.Internet or store front?
4. How much was the original loan for?
5. How much has been paid back in fee's etc.?

YOu should be able to get most of this info from your bank statements. Also, many of these pdls also have other names or associations. It is not uncommon for a debit to come out under a name you are not familiar with.

I am very sorry you are in such a difficult time right now...we will do everything we can to help you through this...just post whatever questions you have after giving us the info.

Hi fivepets. I am so sorry to hear about your dad. This has to be a very tough time for you. Let's just take this one step at a time and get through it. Could you tell us what state you are in? Also, I know it might be tough, but we really need for you to try to figure out who you have payday loans with and how much you borrowed. Also, let us know if they are internet or storefront. We can start with this information and hopefully get you on the right track.

Hi morning. :-) You beat me to it. :-)

I live in New Hampshire and all the companies I dealt with were on the internet.

All right, I've gone through my bank statements and this is what i came up with.

1. US Fast Cash
original loan: $300
Paid to date: $550

2. ameriloan
original loan: $300
Paid to date: $660

3. Flash Loan
original loan: $300
Paid to date $600

4. WebPayDay
Original Loan: $250
Paid to date: $550

5. MTE Financial
original loan: $300
Paid to date: $485

and the 2 charges that started this panic...

8668834987 IDINS AutoPay $31.98

Landmark Express Fees $90.00

thank you for any help you can offer.

~fivepets

oh... and i should say that the paid-to-date are my best estimates based on bank statements...they may not be 100% accurate

I'm going to post your state pdl laws New Hampshire here for you (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

USFastCash, ameriloan, and MTE Financial are not going to be licensed/legal anywhere. They are lending illegally.

WebPayDay - file a complaint with the BBB and you will most likely get a paid in full and a refund for your overpayment.

Have you done anything with your bank account yet?

not yet...but now that money is being taken out and i have no idea who is taking it I need to do something.

i feel just sick about this all.

You need to get that bank account closed. These guys are illegal companies. They've already taken out more than they should and they will continue to do so until they no longer have access to your bank account. If the account stays open/active, they will continue to hit it until you DIE. Please do not freak out. You are not the only one here in this situation. We all are/have been. Can you close out your account? I can post some information regarding closing your bank account for you. Hang on.

Quote:

thank you all for your help. i need to get some sleep now, but I will be closing my account with cannr's points firmly in mind and i will learn to live within my means...

If you need any help with this stuff or have any questions, just post. We can help you.

8668834987 IDINS AutoPay $31.98

does any one know who this is ? they took this out of my accoount with out permission

Mike, have you tried calling the number. 866-883-4987 is a phone number. If this is an unauthorized transaction, you can dispute it with your bank. Google the phone nmber, there are many entries regarding this number. There are quite a few people who have experienced this. Definitely dispute this debit with your bank.

this people or what ever they are also got me for$31.98 without my authorization.somebody got to be held responsible.everybody got to be careful where they apply for their credit cards or loans that require your bank information or card numbers!

viskay, have you disputed it with your bank? They can reverse the debit since it is unauthorized and you have no idea who it is. Maybe the bank can give you more information.

identitytheftprotection.com is the web site and they are total butheads. It is fed thru from a payday loan site with out you knowing it.

So, I called the 1866-883-4987, they will NOT refund the money. But they will cancel the "application" you "signed" up for. My bank,however,will reverse the charge. BEWARE OF PAYDAY LOAN DOCUMENTS.

This company did the same stuff to me the number i had was 1866-575-0260 and they answered the phone but hung up on me. They took 231.98 out of my account. If anyone gets any information please post it.

arose, did you dispute this with your bank as an unauthorized debit.

roxy is right. I once had a "charge" debited from my account (it was in small print on a pdl application page). They would not refund it, although they did cancel it after I screamed in their ear. However, I did get the bank to reverse it back off my account. Even if these people will not "refund" you, as soon as you see it on your bank account as a debit, immediately dispute it as an unauthorized debit. Your bank should reverse it off. Even if the idiots who took it will not budge.

And the dispute needs to be done asap...most banks will not let you dispute after a certain number of days have passed...I know mine has a 60 day limit.

Hi There,
The company did this to me to, for 31.98

yea my bank refunded me after i signed a bunch of paper work.

Great! These people obviously will not issue "refunds", so the only way to get your money is to immediately dispute it with your bank.

THis phone number belongs to Identity Theft Protection out of Phoenix Az, fax # 213-291-8170 they claim to have received "my" request for their services off some payday loan website.

THey also said if i filed a police report I would get a refund, i filed it, had to fax it 3 times before they claimed to receive it, then claimed they didnt like the wording then they claimed the police had to call them to get the ISP of the payday loan site (which i had already bothered to get, give over)

I demanded a supervisor and demanded a refund, got put on hold for 153 minutes. NO I'm not joking

Called back on another phone and requested their employment phone number for a job and got put on hold again.

THey are scammers. And they stall to get you past the timeframe that your bank can suck the money back.

Mommy, did you file a dispute with your bank?, did you finally get your refund. You are better than I, i would not have lasted 153 minutes...and that is probably they made you wait so long...thinking you would go away.

mommy- you are right! They hope that you either will not know your rights and the laws, and if you do-stall you until you can't do anything! I always say-keep after them-bug them as much as they bug you-I would not have done well for 153 minutes-although one time I was on hold for a long time, and I called them back on 3 different phones :lol:

the same company just got me today also for the same amount as the rest of you. If anyone finds out how to take care of them please let me know. Thanks, and good luck getting this taken care of.

you know what.....i hv the same prblm and i am tring to locate landmark express also but what i hv decided to do is close that acct....my bank says that i can chg my acct num and then the people from landmark will eventually call and want thier money...when they do that then i can get thier contact inf and if i owe them i will pay what i can at my own time....sorry bout your dad :)

This company also took 31.98 from my acct and when i called in and spoke with a customer service rep they told me they cant refund my money but they could cancel it. I then responded by saying i can u cancel somthing that i have no knowledge of. I told them i would like to speak to the owner of the company they said they could not do that but i could speak to a supervisor. They then placed me on hold. As of right now i have been on hold for 60 mins. I'm on hold now while typing this. What can i do to get my money back into my acct does anyone no...

To Whom this May concern.....DO NOT USE "1 CLICK CASH " They LEND ALSO....PAYDAY LOANS
I have reading what has been said here and I am in trouble myself. This is what happened. I apply'd for the fuggn loan on the net and what they did was set me up. They sent me 300 dollars over night. 1st thing this morning I got the 300 dollar credit and 31.98 was gone. In a Instant...GONE. It follows the deposit. Call your bank dipute it and u get ur money right back

BY the way...this happened to me LAST NIGHT> I GOT THE MONEY AT MIDNIGHT I AM GUESSING...BY THE TIME EVERYTHING WAS UP AND RUNNING AND UPDATED...SAY 9AM....I WAS OUTTA OF 31 BUCKS. I CALLED RIGHT AWAY..

i had a few of my banks say that they had a withdraw out of my accounts for the 31.98 and one of accounts was just opened and how they got that info blows my mind so yes i did go to my banks and dispute it, then they will put back into my accounts, but what i dont understand is why every time i call any of the numbers they give even to my bank why it does not go through like a busy signal but it isnt a the same tone as a person would hear, so i reversed it all and now it is time to call the cops and get charges made i plan to do that after x mas this year 2007 so we will see what happen's

Does anyone know the name of the payday company that let them have your info? I got charged too

I just recieved my bank statement and those a**holes did the same thing to me on 12-20-07. I just want all the people out there that this happened to to know that you need to be persistent whith the bank. They can and will if you are persistent fix this mistake and they will also take a look deeper into this matter until it is resolved.

yes they got us for 31.98 without our permission from our checking account does anybodie knew what too do??

File a fraud affidavit with your bank. If the company that took the money can't produce proof that authorized the debit (and did not revoke it) NACHA rules require the ACH processor to void out the transaction and return your money.

Ok fine, they got their $31.98 and will not respond to my requests for a refund. I can play that way too.

I am sending large amounts of emails to their support address [support@theftprotectsupport.com] daily.

Nothing fancy, just copying and pasting my original complaints AND attaching a random large file of data so their "support" inbox will become overloaded very quickly. I plan to send these "love notes" from several different email addresses, so that should keep this going for a week or so.