I need help
Date: Tue, 10/23/2007 - 10:26
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!
And based on the research deeann did along with your feedback, t
And based on the research deeann did along with your feedback, they all sound very illegal!
Remember to fax a revocation of wage assignment letter, the only
Remember to fax a revocation of wage assignment letter, the only way they can legally garnish wages is to go through a court order, as stated earlier a wage assignment is totally voluntary. but you have to tell them in writing that you a revoked this option. hope this helps.
They would have to go to court to garnish....and since they are
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.
Sorry...I meant the list you posted at the beginning of this thr
Sorry...I meant the list you posted at the beginning of this thread. :oops:
how do i find out if they are notorious for wage assignments?
how do i find out if they are notorious for wage assignments?
Volley means she is going to go back through the thread and look
Volley means she is going to go back through the thread and look at which pdl companies you have. She if any of them are companies she is familiar with and whether they are the ones that assign wages.
Honestly, just personal experience and what I have heard here on
Honestly, just personal experience and what I have heard here on the boards.
If you have your loan documents, you can also refer to them.
Here is the condensed list of your PDL's- Can anyone advise o
Here is the condensed list of your PDL's-
Can anyone advise on which of these tries to pull the wage assignment garbage?
Loan Shop
SJM Marketing
United Cash
TJF
Arrowhead
Ecash
CMG Group
sorry about that. I didnt know I wasnt signed in. Ecash sent me
sorry about that. I didnt know I wasnt signed in. Ecash sent me a letter last week saying that Easy Loan took over my loan.
Volly, I dont know which of the PDL's listed do wage assignments
Volly, I dont know which of the PDL's listed do wage assignments. Just to be safe, what I did was sent it to ALL my pdls just to be on the safe side, . Actually, what ever i sent to one , i sent to all
Yea I think aminah was just curious... Aminah-About what yo
Yea I think aminah was just curious...
Aminah-About what you posted on the other thread, who are your storefront loans with? I only have a list here of internet loans.
I know you said you were going to do this, but is your checking account closed?
Volley ~ no i used to have the storefront ones. I paid them off.
Volley ~ no i used to have the storefront ones. I paid them off. I only have internet ones. Sorry about that.
whew- okay good! :) Now, the letters-need to get those se
whew- okay good! :)
Now, the letters-need to get those sent out ASAP!
And close your checking account. :)
Volley - I didnt close my checking account yet because my direct
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?
I think thats a great idea!!! Hard block on all debits and check
I think thats a great idea!!! Hard block on all debits and checks right?
yes. looking at my account I only have 3 outstanding checks. Im
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.
Good thinking!! :wink: You got the right idea!!!!!
Good thinking!! :wink: You got the right idea!!!!!
One of the companies already posted the check to my account last
One of the companies already posted the check to my account last night. Im going to wait and see if it clears tonight and hopefully put the block on the account tomorrow. :shock:
I just found out that I dont have to have Direct deposit for my
I just found out that I dont have to have Direct deposit for my child support! So Im writing the letter right now to stop the direct deposit and hopefully they will send me a check next week.
Aminah, here's some inspiration for you, yesterday after faxing
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...
Guest, It is amazing isn't it how all of this works out.When I f
Guest, It is amazing isn't it how all of this works out.When I first found this site ,I could not believe that this PDL cycle would ever end. Surprise, the end is in sight.
Yea guest!!! Nice job and yea, funny how the tables turn when yo
Yea guest!!! Nice job and yea, funny how the tables turn when you are armed with info and ready to battle!
The guest was me. I forgot to sign in...I have got to remember
The guest was me. I forgot to sign in...I have got to remember to check that first...
LOL! Im so excited about getting rid of these IPDL's now. I chec
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!
Good going Aminah. Please keep us posted as to your progress.
Good going Aminah. Please keep us posted as to your progress.
Three cheers for all you guys advising and supporting me! :D :
Three cheers for all you guys advising and supporting me! :D :D :D
Woo Woo Woo!!! Great going guys! I had 8 ipdl's when I became
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!!
I have a question. What do I do about the loans that I havent re
I have a question. What do I do about the loans that I havent really paid anything on them yet? Am I still liable for paying them back if the company was illegally lending it to me in the first place? Can they still come after me for it?
Aminah, It is a question that we all have gone over a million t
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.
We always recommend that you pay back what you actually borrowed
We always recommend that you pay back what you actually borrowed....9 times out of 10 they will come back and want to settle for a lesser amount. But this way, you can pay them back as you can!
I have a question to, I am starting to get agreements to settle
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
I get the same settlement offer every week from a particular PDL
I get the same settlement offer every week from a particular PDL....and when I have the $$, I will pay them, simple as that.
Save up the $ and when you can pay them do it...take care of yourself first.
and NEVER send them a check....
Check City is wanting $174.00 in 4 installments starting 11/1/07
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...
Deeann, you need to pay the licensed companies. As for the unli
Deeann, you need to pay the licensed companies. As for the unlicensed company, I would use Volley's way of thinking. You will pay them, when you have the money. Food, electric, house,etc come first.
well, I just went through my first crying fit since I started on
well, I just went through my first crying fit since I started on all this payday resolution stuff...I am really hoping that something good happens to me soon before I really crack..Thanks again all of you for helping and the pats on the back...Sorry aminah for putting this all on your thread.
no problem deeann. i am learning from you too from your postings
no problem deeann. i am learning from you too from your postings. its helping me understand what needs to be done.
since all my PDL's are operating illegally can I pay them back w
since all my PDL's are operating illegally can I pay them back when I have the money or do I have to pay them when they request it? I havent sent them the letters yet, just trying to prepare myself.
Group hugs!!! Deeann we are here for you and I second Roxy's not
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 $$!
true. thank you volley. i am behind on all my bills because of t
true. thank you volley. i am behind on all my bills because of their fees. grrrrr. its so frustrating. i agree....group hug :hug:
:hug: Follow Volley's advice! get your bills caught up then p
:hug: Follow Volley's advice! get your bills caught up then pay the pdl people...when you have the money. get those letters out as soon as you possibly can. You'll be amazed how easy it is not to take that call & just fire off another email.
all my letters are out, no one is calling (good thing) a couple
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..