waiting...

You might want to call the bank in the morning and let them know.

The branch manager may not look at your account unless you tell them to.

I agree, i also went in person and asked for the branch manager. I believe these loans are not legal in NY but I'm sure someone will come along to help you with NY laws.

thanks. i spoke with the manager today and she said she would reverse the charges. she said that she thought she closed it out, but probably forgot a step. anyway, she said she wanted me to fill out some fraud papers. that's got me nervous. i sent the c and d letters after i closed my account. is that going to trip me up?

No, it shouldn't. The bank is just trying to CYA bascially. It's just a piece of paper saying you didn't authorize the charges that went through.

I've done it several times without problems with different banks.

err that should be "cover their butts"

I filled out those papers, too...right before I got all my money back following unauthorized ACH from lenders. Don't worry, it's just a formality.

so, i went into the bank and signed the papers, but they wanted to know what day i contacted the pdls. i contacted them on 11/14. the branch manager said that was probably too late and i might have to eat it. i told her i wasn't sure, but it might have been the 13th. should i stick with the 13th and take my chances?

i think because they are illegal they won't fight the bank, but i don't want to get in trouble for fraud and i can't give them all the money they wanted to take out. please help

i dont think you will get in trouble for fraud because they are not legal. they will make threats but cannot do too much.
my bank did not understand neither - they paid them after i put my account on hold! said it's not the way banks were designed to work.. ::rolls eyes - hello, it's my money!::

well, hopefully, it won't be an issue with the bank.

on the other hand, i just got two emails from i-collect saying that my loans with kenwood and fox are being sent to ais.

i live in new york state, but not new york city. does ais have the legal right to make me pay what the pdl's say i owe and not what i'm legally responsible for?

what should my next step be?

so, after sending my cease and desist letter again, this is the response i got and my response back to them:

have revoked ach authorizations for your company and have informed my bank as well. My account has been put on fraud alert.

One can infer by this email that you are planning to ignore my revocation.

This email will be forwarded to the NY Attorney General to add to my file.


[email]customerservice@unitedcashloans.com[/email] wrote:

Dear xxxxxxx,

You are responsible for this loan. If you do not send a payment, your account will still be debited.


Please call 1-800-279-8511 to reach our customer service line.

We are open Monday through Thursday 8:00 AM to 4:30 PM and Friday 8:00 AM to 3:30 PM Central Standard time.





Thank you,
UnitedCashLoans
Email: [email]customerservice@UnitedCashLoans.com[/email]
Phone Number: 1-800-279-8511
Fax Number: 1-800-803-8794

i got this email yesterday and i'm starting to freak out. can they really contact my employer? should i send them my c & d again? i'm getting worried.

Zavier wrote:





Ambassador Financial d.b.a. Nationwidecash.com

314 North Riverside Drive

Espanola, NM 87532







November 25, 2008

xxxxxx

Re: Defaulted Payday Loan

Loan #xxxxx

Past Due Balance: $670.00



You have chosen to ignore all of our previous communication attempts to contact you, regarding the debt referred to above.

Our fraud prevention unit is currently conducted a thorough investigation of your file. Nationwide Cash captures the IP addresses for all internet transactions, and will trace the source of your application. If you used your employer????????s computer to conduct this transaction, your employer may be contacted as part of any ongoing investigation.

Please be advised that, Nationwidecash will take any necessary steps to pursue any lawful actions to recover its funds. This includes authorization to seek civil and if appropriate, criminal penalties. Failure to respond to this notice upon receipt will leave us no other alternative but to turn your delinquent file over to our in house attorney to seek legal action against you to recover our funds.

This impending action may still be avoided by contacting Nationwidecash at 1-877-711-1199. Please contact this office upon receipt of this notice to make payment arrangements by ACH, Credit Card / Debit Card and or Western Union. Please note that failure to respond will result in immediate legal action to be taken against you.





Thank you,

Zavier Fulton

Nationwidecash Fraud Dept

1-877-711-1199 EXT. 530

I think it is just a threat!!!!! Think about it, if PDL's are not legal in your state what grounds do they have to stand on? Who would litigate on their behalf? All words, nothing more.

PDL-s are not allowed by law in Ny state, no matter what united cash loans say all pay day loans are against the Law i would assume if im wrong about this some one correct me please.. NY state has tough laws about PDL. I think at 1 time they wer legal but not in 2008

Hi cashman,

You are correct, PDL's are prohibited in NY :D

NY state info here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Those are generic emails that they send in these situations. They have no leg to stand on as the PDL's are prohibited in NY. They should have never lent to you in the first place. Report them to the NY attorney general, BBB & FTC...

Don't worry about him. If you call Zavier, he will get quite nasty with you then a supervisor will take over the call. The supervisor is pretty nice and will waive the fees and will even accept credit card payments. You can easily work out a payment that is manageable with Nationwide. If you have a complaint about Zavier Fulton, you can fax a letter to 1-866-808-7187. I do not know if Nationwide sends these frightening letters to people to get them to respond, then you'll get scared a call Zavier. Everything Zavier says it is illegal, in the meantime they will have someone on the line who comforting and at best will help you come to reasonable solution to pay your debt off. Maybe they do this to get you to pay.