Payday Loan Help MO
Date: Wed, 01/30/2013 - 09:20
I would just like to say thank you to everyone in this community, I wish I would have known about it before paying thousands of dollars in fees on these ridiculous payday loans. I can’t believe I got myself into this mess, but because of all of tips in this community I am finally making some progress. I should note that I live in MO. Below are the loans that I had and the progress I have made so far:
Cash Jar - $1000 – paid $1587
IdealGelt - $500 - paid $482.00
Advantage Cash Services - $700 - paid $1540
White Hills Cash - $450 - paid $1780
United Cash Loan - $750 - paid $1907
SGQ - $400 – paid $1470
Payment Direct Online - $300 – paid $1780
PDL Now - $300 – paid $445
Fireside Cash - $500 - paid $525
Advance Me Today $700 – paid $702
National Payday - $400 – paid $532
Blue Star Results - $300 – paid $1513
Cash Jar - sent letter on 1/28, have not received a response
IdealGelt - sent letter today 1/30, web shows $175.00 in collections
Advantage Cash Services - sent letter today 1/30 requesting PIF letter
White Hills Cash – received PIF on 1/29, but would like to press for a refund
United Cash Loan - sent letter today 1/30 requesting PIF letter
SGQ – received PIF Letter 1/28, anyone have luck with a refund from this one?
Payment Direct Online – sent letter 1/28, no response
PDL Now – sent letter on their website 1/28 because I have no email address for them, now my login is locked and no way to contact them
Fireside Cash – sent letter 1/28 and 1/29, received PIF today 1/30
Advance Me Today – sent letter 1/28 received response 1/29 with their normal – we are a St Vincent company, state laws do not apply to us BS. Working on a reply
National Payday – sent letter 1/28, no reply
Blue Star Results – sent letter 1/28, no reply
If anyone has any tips on CashCall, let me know, I read they are actually legal, I originally got the loan through Western Sky though. I have a loan for $2500.00 with them and was late on one payment. So far I have paid $2000 but it has all went to interest, they sent me a letter saying if I did not pay then I would owe for all interest and fees for the course of the loan which would amount to about $14000. Yikes!
Progress
Update on my progress on these loans:
Cash Jar - $1000 – paid $1587 - received Paid in Full
IdealGelt - $500 - paid $482.00 - they sent this to collections, company called Alliance Asset Management, anyone have any dealings with them? I keep telling them I only owe $18 and they say I owe $643.75
Advantage Cash Services - $700 - paid $1540 - Website shows Paid in Full as of 2/6/13
White Hills Cash - $450 - paid $1780 - Received Paid in Full Letter but they wouldn't budge on a refund
United Cash Loan - $750 - paid $1907 - Received Settlement offer of $200 which I rejected
SGQ - $400 – paid $1470 - Received Paid in Full Letter
Payment Direct Online - $300 – paid $1780 - they actually send me a refund of $1480 after I emailed them consistently for a month!!!! Their recoveries department supposedly only meets on the 15th of each month is why it took so long but they sent the money to a prepaid debit card!!!
PDL Now - $300 – paid $445 - these people will not budge, keep saying they will note my comments but I owe the money and that is that, only way to contact them is to put in a helpdesk request through their website.
Fireside Cash - $500 - paid $525 - received paid in full letter
Advance Me Today $700 – paid $702 - this one also will not budge, anyone have any luck with them? they keep calling my cell and work numbers even after I sent the letters telling them not to.
National Payday - $400 – paid $532 - received a letter from their compliance department that said my letter was "cookie cutter" and they would settle if I would pay another $400, which I rejected, I also discovered that their letter was actually "cookie cutter" because I read someone on this site got the same letter!
Blue Star Results - $300 – paid $1513 - received Paid in Full Letter
I haven't gotten anywhere with CashCall yet, I did close my bank account and sent them a letter, if anyone has had any success stories with them, I would love to hear them.
Thanks!
Since Cash call has
Since Cash call has originated with Western Sky. So it is illegal. You owe principal only. Don’t pay them an extra dime other than the principal. Close down your old bank account and open a new one. Ask them for a refund as you have already overpaid them. But it depends on their discretion whether or not to return back your money.
United Cash Loans
I'm in Missouri also. Report United Cash Loans to the Attorney General's Office. They won't communicate with you but they will send Chris Koster's office a PIF and his office will send it on to you. That's how I got mine taken care of.