I am amazed!

Yay for you!!

Keep record of every conversation that you have with the lenders. It may come useful in the future dates.

I am keeping everything! I wonder if I should still close my bank acct. I have not had any bad experience like that with these lenders but I have read the horror stories.

That is so great!!! So happy for you! I have a question I was going to call one of mine that also say that after the 5th payment they will start paying down, well I am 8 months of ony paying interest and was wondering exactly what you said because I am going to give it a try. Quote:

I just played very inoccent and was very nice and non accusatory. I told the individual that it was my understanding that on the options for repayment that I get in my e-mail it states that after 5 payments of interest only they will take out an additional $25.00 payment. The rep confirmed that, then I told him that my payments have never changed and that I thought that I might have overpaid. I requested that he tell me when the loan was taken out. When he looked at the account he came back on and told me that it was actually paid in April. Of course he had to contact supervisors but they were very prompt in emailing me that the account is PIF. However it states paid in full as of the date I called, not April which the Gentleman had confirmed with me. So I am requesting an email for the PIF as of April. This was another website that you cannot see your loan history.

As for Fast Money, That one took me off guard. I had called them previously and asked the same question as far as taking out additional for principal after 5 interest only payments. I could have swore it was the same with them, but they said that is just a new policy. I called on 6/12/10 and had the rep. go payday by payday on each loan with payments, c/o that it's ridiculous you can't see your loan history, told her it was a waste of my time and hers. Once again I was non threatening, playing innocent. Opened my e-mail and had a letter from the "President" on 6/10/10, saying thank you for paying your loan in full! Totally unexpected. On this one I have actually paid about $2000.00 over in interest only. Good luck with yours!

Well I just called and I am waiting for a phone call back. I was very nice and non threatening as well and told them I was concerned because my contract stated after 5 renewals it would automatically kick in to pay down. He had to contact another dept and said he would call me back. My loan was 400 and so far have paid 1800 in interest only. This website you can not see your history either so I am hoping that they do call me back. I took the gentlemans name and extension in case I dont here back by 230. Thanks for your advice. I will let you know.

I hope this works for you. Can't wait to hear.

Well just got off the phone they r saying that they have closed the acount and marking in PIF. Wow I cant believe it. Do you think its possible to get a refund?

I called them back be cause I still have not got a PIF email and my account still lists a balance. They told me I will receive the PIF either tonight or tommorrow but I am still leary. How long did it take for you to receive PIF emails? ThanksQuote:

I made the 1st call on 6/9/10 I got the e-mail on 6/13/10. I think it took that long because someone else maybe had to make the decision. But my account did say inactive sooner than that. I did ask what inactive meant because I too was skeptical and was told it meant I did not have an active account. The balance says 00.00.

I have sent an e-mail requesting a refund and a request for the PIF document that says it was paid in April. I have not received an e-mail back yet. Not holding my breath for a refund.

That is great. If I could get a PIF from some of these I would gladly take that.

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Well I got the PIF notice today and checked my account and they zero'd it out!!! I cant believe it thanks to so many on this site. Now the question is should I just leave the PIF alone and not request a refund or should I request the refund? The loan was 400 and I paid back over 1800. What are the chances of actually getting a refund from Upfront pay day??????? How would I go about requesting one????

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Shazzers do I write them a letter and email it or send it certified mail? Have you seen any sample letters so I have an idea as to what to say???? Do I tell them how much I want back? If PDL are illegal in New Jersey and I paid 1400 over the original loan of 400 do I demand it in full? Thanks BPM

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Ok Thanks Shazzers, I will PM you either tonight or in the am, thanks so much for your help!

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please push Fastmoney911 for a refund!!!
I got back 500$ from them!

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What is fastmoney911? I dont understand

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