GECC, First America Credit, VIP, zip19 & updates
Date: Wed, 12/07/2011 - 09:30
Integrity Advance said Paid in full- lost out on overpayment of $4345.20
Help-
GECC/Cashdirectexpress sent me a letter about their laws in Delaware and they are legal and blah, blah, blah, however "we are willing to waive any accrued interest and mark your account as adjusted in full". Does this mean it is PAID IN FULL? I have overpaid them $1058.75.
Plain Green- I got their typical "Arm of the tribe letter" and they will cease all collection activity but I still owe them and I have to contact them for payment arrangements. I overpaid them $484.72
VIP Loan Shop- first they don't respond to my email, then they sent me an email stating that my account was overdue by $72.50. I re-sent the letter at this point and then the next morning I recieved an email thanking me for my payment of $47.50 and then they called 4 times. I then took excerpts from the letter and demanded they stop calling and demanded to know how they were going to handle this and emailed this to them this morning. Since then, I have recieved 4 more phone calls from them today. I over paid them by $2205.00. I just recieved a response to my most recent email stating that my account was in their collections department and someone would be contacting me as they have forwarded my email or I may call them at 866-722-2770, the same number that keeps calling me.
Zip19- They continue to call and say that I owe them money. They do not acknowledge anything in my letter, etc.
First America Credit- Does anybody know of this company? They tell me that they are not a payday loan company, but a personal line of credit company, but make you pay out of your paycheck or bank account. I owed them about $70.00 and now they say I owe them about $120.00. I overpaid them $454.09
Myquickloan/All America Lending- They sent me the notice below and it said "WITHOUT PREJUDICE". I resent the letter to them and they replied asking me to contact them to discuss the matter with them via phone. I replied with excerpts and my demands once again and stated that I wanted all communications via email for my records. Here is what they sent me...
This email is to advise you that your recent payment was returned by your bank.
On your next payday, there will be a payment for the Past Due amount including current fees.
Pre-Authorized Payments
Next payment isN/A
Payment amount is$0.00
Frequency of paymentsBiweekly FRIDAY
Payment chosen isPay fees only
Type of pre-authorized payment_ Business or x Personal
Fees paid$0.00
Loan paydown per payday is$0
Thanks in advance for all your help!
Plain Green, VIP Loan Shop and Zip19 are illegal in most of the
Plain Green, VIP Loan Shop and Zip19 are illegal in most of the state in US. So you are required to payback them only the principal amount. Ask them for the refund since you have paid them more than the principal. You will be happy to know that illegal lenders can???t take any legal action against you. To know about the other lenders, you may contact with Delaware Office of the State Bank Commissioner. If you find that they are licensed, then you will have to bear both the principal amount and interest.
Zip19, GECC help
Thanks rectangel,
I live in Michigan and I have clarified that they ALL are illegal except First America Credit which I have since taken care of ad they were actually very decent to work with. I owed them about $137 and we settled on $75.00 and they sent me an email confirming the settlement prior to the payment. I then paid them on a prepaid one-time use credit card and they then sent me a paid in full lettter and i also have print screens of the account screen online.
As for VIP, they also have sent me a settled in full letter with no payment made to them with a $0 balance.
Plain Green is now threatening collection activity.
I still do not understand what GECC means with the "accrued interest" and "adjusted in full" comment means. Des that mean they took away the interest only, or does that mean they closed the account with a $0 balance?
Zip19 has never acknowledged my letters or emails and now yesterday they emailed me (cc) and my human resource manager for a verification of employment at which time they called me to ask what was going on. It's really not a big deal because I have not been working since August 26th and will not be back to work until atleast March because of a car accident, but it is still embarrasing.
Myquickloan still has not sent me anything more than the email in the above post other than "you can contact us to discuss this further.
I am yet to recieve any contact from paydaymax, discountadvances, usfastcash, 500fastcash, prestige, globalgroup.
As always, thanks in advance for any of you experts helping me out answering any of these questions.
