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I need help

Date: Tue, 10/23/2007 - 10:26

Submitted by anonymous
on Tue, 10/23/2007 - 10:26

Posts: 202330 Credits: [Donate]

Total Replies: 353


I currently have 7 internet payday loans. The fees are killing me!

Loan Shop $300 - paid $450 fees
SJM Marketing $300 - paid $450 fees
United Cash Loans $300 - paid $450 fees plus $50 xtra for principal - now owe $250
TJF Corp - $300 - paid $180 fees
Arrowhead - $300 - paid $90 fees
ECash - $300 - paid $90 fees
CMG Group - $250 paid $75 fees

Can someone please help me figure out what to do? I cant keep going like this. They took $615 out of check this past friday in fees alone! OUCH!


They would have to go to court to garnish....and since they are operating illegally to begin with, nope.

Now, they might try to send a flimsy wage assignment, which is not a legal garnishment, but with that letter I sent you, that revokes it.

I need to look back at your PDL's to see if there are any notorious for doing that.


lrhall41

Submitted by volleyballmom on Wed, 10/24/2007 - 10:04

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Volley - I didnt close my checking account yet because my direct deposit came in last night. Its my child support that comes every wednesday and I didnt want it to get sent back to the state. I am going to put in a change of direct deposit for that money today. I am thinking that my best bet is to have my employer put my account on deposit only status until my c/s gets put into a new account. what do you think?


lrhall41

Submitted by on Wed, 10/24/2007 - 12:54

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yes. looking at my account I only have 3 outstanding checks. Im going to call the companies when I get home to see if they can hold the checks and accept money orders in the mean time. As for the revocation letter to the IPDL companies, I didnt send them yet for fear they will go into my acct and take what is in there before I get the chance to put the block on my account.


lrhall41

Submitted by on Wed, 10/24/2007 - 13:01

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Aminah, here's some inspiration for you, yesterday after faxing the letter that volley pm over, I received an email from upfront payday wanting to settle for just the amount loaned, and since i only rcvd 400.00 and paid 120.00 they will accept 280.00 for acct to be pif. they originally wanted the full 520.00 when I talked to a rep this monday...funny how a very well written letter works. I honestly didn't think I had a chance in "you know where" to get these things resolved, and now I'm inspired. only 6 more to go, and 3 of those are illegal in MO...


lrhall41

Submitted by on Thu, 10/25/2007 - 05:15

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LOL! Im so excited about getting rid of these IPDL's now. I checked my account this morning and ALL my outstanding checks cleared last night! Thank GOD! Now I wont have to worry about calling the companies to explain why my check bounced. Now Im going downstairs to tell the account rep at the bank to put that deposit only block on my account ASAP! Then I will send out that letter you sent me Volley! Thanks again everyone! You have been wonderful!


lrhall41

Submitted by on Thu, 10/25/2007 - 08:24

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Woo Woo Woo!!! Great going guys! I had 8 ipdl's when I became a member of this site in early september. I've received 3 refunds, 2 said I was paid in full, 1 i owe 120.00 on & they are accepting 30.00 payments a month & 2 are being real jackasses. One of which is East Side Lenders...which also owes me a refund of 237.50. The other is One Click Cash. I still owe them the principle on the loan, but they won't even work out a payment plan. These people are way illegal in NE. A C & D order was placed on them by the state of NE & these idiots still keep lending away. Unbelievable. This sight & it's members are not only inspirational...they are a great family to have. I thank my lucky stars everyday that I found this place!!


lrhall41

Submitted by lmk3524 on Thu, 10/25/2007 - 09:08

( Posts: 435 | Credits: )


Aminah, It is a question that we all have gone over a million times. Some of us do feel that we have a moral obligation to at least pay back what we borrowed. After all, we did take the money, and we did use the money.Others feel differently. We can not make that decision . I personally did pay back what I felt that I morally owed.


lrhall41

Submitted by kashzan on Thu, 10/25/2007 - 09:17

( Posts: 5401 | Credits: )


I have a question to, I am starting to get agreements to settle accounts and the way they are wanting the remainder paid is starting to make me feel like I need to borrow to pay them, I have tried to explain my situation to them that I need to pay my personal expenses first and that is what got me in hot water in the first place..Can I pay them what I feel I can afford each payday until they are paid off, the companies that I have received settlements from have not had me sign anything, just an amount and address to mail pymt..I really am starting to feel overwhelmed again


lrhall41

Submitted by deeann.student on Thu, 10/25/2007 - 09:19

( Posts: 212 | Credits: )


Check City is wanting $174.00 in 4 installments starting 11/1/07 to pay off balance of $696.00 loan was for $500.00 and they are licensed in MO

Upfront payday is wanting $280.00 to be paid 11/1/07, loan was for $400.00 w/ $120.00 paid in fees last pay period, they are illegal in MO and just want their principal money back which I fully agree.

If I do this I will be broke again, and will have to either shortpay house payment or not pay something else. but I do want these out from under neath me also...uggg, superman help me...


lrhall41

Submitted by deeann.student on Thu, 10/25/2007 - 09:34

( Posts: 212 | Credits: )


Group hugs!!! Deeann we are here for you and I second Roxy's note.

aminah-Pay them when you can...period. They've already sucked you dry of fees!!!!

Heres how to look at it.....you are going to need to develop a thick skin. I can tell you that as soon as I had my entire paycheck back and had my own money with no PDL fees taken out, you will feel the power! Yes, that sounds corny but its YOUR $$!


lrhall41

Submitted by volleyballmom on Thu, 10/25/2007 - 10:26

( Posts: 4143 | Credits: )


all my letters are out, no one is calling (good thing) a couple have emailed w/ either settlement or repayment plans, still waiting to hear back from tremont financial, cash today, and cashadvance.net all illegal in MO. upfront (who is illegal), payday one and check city (who are legal and have licenses) have responded so far or an the title loan co has not responded as of yet, but they did call and lvm to remind me pymt is due in couple of days, never done that b4..


lrhall41

Submitted by deeann.student on Thu, 10/25/2007 - 11:20

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