Please help - Don't know what to do next
Date: Tue, 08/11/2009 - 10:15
Hi,
I am sorry but I desperately need your additional help. I am scared and in tears and don't know what to do or where to turn. I emailed/faxed my PDL lenders (Ace, Nationwide, OneClick, OneStep, United) a letter similar to the one mentioned in the Dealing with Illegal Payday lenders.
*If* what I have learned is correct, PDL are legal in Illinois, with certain stipulations. All the loans I have taken were online and charge more interest than those stated in the Illinois laws.
I was more than happy to make payments, but no one will give me an address to send them to. I told them to contact me in writing and they won't quit calling me at work. I just spoke with Nationwide and he said he wouldn't accept what I could pay, I offered $50 a month - I haven't even paid my car payment for last month yet -- it is literally the best I can do. The guy went on about legal action, how they just gave me money so I should have some, I need to quit playing games, etc. They said they would accept wired money only (if i couldn't do a bank account or credit card), I explained if I can hardly make my payment, how am I going to afford extra wire charges?
I don't know what to do. Obviously whatever I have been trying isn't working. I'm not trying to walk away from them loaning me money. I just need to be able to change the terms in which I am paying. I have absolutely no where I can turn to to borrow money from friends or family. Can someone please help me? I feel like I am going to have a break down.
I am sorry but I desperately need your additional help. I am scared and in tears and don't know what to do or where to turn. I emailed/faxed my PDL lenders (Ace, Nationwide, OneClick, OneStep, United) a letter similar to the one mentioned in the Dealing with Illegal Payday lenders.
*If* what I have learned is correct, PDL are legal in Illinois, with certain stipulations. All the loans I have taken were online and charge more interest than those stated in the Illinois laws.
I was more than happy to make payments, but no one will give me an address to send them to. I told them to contact me in writing and they won't quit calling me at work. I just spoke with Nationwide and he said he wouldn't accept what I could pay, I offered $50 a month - I haven't even paid my car payment for last month yet -- it is literally the best I can do. The guy went on about legal action, how they just gave me money so I should have some, I need to quit playing games, etc. They said they would accept wired money only (if i couldn't do a bank account or credit card), I explained if I can hardly make my payment, how am I going to afford extra wire charges?
I don't know what to do. Obviously whatever I have been trying isn't working. I'm not trying to walk away from them loaning me money. I just need to be able to change the terms in which I am paying. I have absolutely no where I can turn to to borrow money from friends or family. Can someone please help me? I feel like I am going to have a break down.
reply
file AG complaints asap.the stipulation is they are not licensed.go to www.illinoisattorneygeneral.gov you can file complaints online.do not let these places bully you.they are wrong.being in IL myself i know our AG will help you here.
Would you be willing to talk to me via phone? I am not stupid by
Would you be willing to talk to me via phone? I am not stupid by any means, but right now I feel lost and confused. I'm looking at the complaint form, do I ask them to mediate? Do they get involved. sigh - I guess I just feel overwhelmed.
reply
you can PM me if you wish,but when i just filed the complaints they contacted me after a bit,but you can pm me.