payday loans via the internet

welcome to the forum barbie,first we need
some more info.

a)what state are you in?
b)the lenders who borrowed to you
c)how much was borrowed.
d)how much was paid to each total

once that is established we can help you
with this,again welcome. :)

Gmorning, I am in south carolina,
1.Arrowhead Borrowed 200.00 paid 190.00
2. B.I.G borrowed 200.00 paid 245.00
3.fastbucks now known as payday flash borrowed 200.00 paid 214.00
4.web payday borrowed 400.00 paid 300.00 and they want 600.00 more and
5. upfront money borrowed 300.00 paid 289.00 and they want 450.00 more. please tell me what to do.

don't know about the others,but B.I.G. is overseas ans illegal.looks like you overpaid anyway so you are done with them.someone else will be along to let you know about the others.

when I told them this they said that I still owed them and they even said if I do not pay them 200.00 more dollars they will report me to telechex and so did web pay day they are terrible
0

good morning finally got my password to login where do I start do I write letters or do I just go straight to calling the processors. I want to get this over and done with.

Hello barbi and welcome to the forum! I am going to post the Payday loan laws for South Carolina here (just select your state). Then I will do some research on your loans and let you know which are legal, and which are not. This will help us figure our how you should proceed. Hang tight! :D
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Paul is right about BIG, they are highly illegal, so you are done with them, cross them off your list! I am sorry to tell you this but in order to stop these companies from debiting your account you will need to close your bank account. But first read THIS..
I would advise you to open a new account somewhere else BEFORE you close this account, and do not let any of these pdl's know you are closing it until after it is closed and safe.

I bank with Bank of america and although I have called and spoken with someone I will go into the branch today and speak with someone else. I am also currently emailing revoking the ACH and also "If" there was any type of voluntary wage assignment I am revoking that as well I know that the law states that it is not valid but hey im sure they will try anything thank you for all the help you guys are great

Sounds like you are on the right track Barbie, I haven't had time to research the other pdl's you have to see if they are licensed. I am at work, and won't be able to until later, perhaps someone else will jump in here and give you a hand. Take good care. :)

does anyone know about the voluntary wage assignment and is it okay to email these companys because I dont have physcial addresses for them

you can do that,if you have AOL there is a feature that can ensure if they open it or not.it basically makes it a certified e-mail.there should be a box on the bottom of your e-mail screen,it says receipt requested.click that.it will make the receiver send a receipt to you.that will be your proof they got it.i don't know if any other provider besides AOL has this feature,but if have AOL send the e-mails this way.

went on aol and did not see it they don't give you a physcial address maybe I will try to get them on the phone to get a fax let's stay strong together

Barbie, I can't find a license for Arrowhead to lend in your state. Anyone else? According to THIS they are very difficult to work with. I just wanted to forewarn you so you will have an idea of what you are dealing with, it seems that Arrowhead (based on previous posts at this forum) are notorious for threats and harrassment. :?

Barbie, this is what I found on Web Payday, it's a post made by Cannr, here is the LINK for the post below in quotations. :)

Cannr Wrote:

Question - Where are you looking for a license? I went to the SC website and don't see anywhere that you can search for a licensee . . .

I can believe it the girl that I spoke with NeNe all but told me to do what I wanted to do they would get their money one way or another she was mean and rude I will file my complaint because really I only owe them about 60.00 as far as arrowhead I really only owe them 20.00 because the loan is well over and done with. When I get out of this you can believe I will never!! no matter what go this route what about the wage assignment is that legal?

Goudah Wrote:


No there isn't one, what I should have said was I searched on this site at no avail, so I called the Consumer Finance Division and asked them, they told me there was no license listed for Arrowhead. :)

barbiwalk23 wrote:
Quote:

Thank you also they are threatning me with reporting to chex systems and telechex although I do not write checks I use my debit card a lot how do I keep them from doing this and how can they if they are not licenced and possibly illegal

Only banks can report to Chexsystems, so don't worry about that.

Also, they probably mean Teletrack - It's a reporting agency for pdl's and other sub prime lenders. It doesn't affect your credit score, and the only thing it will stop you from doing is taking out more payday loans.

I called them yesterday spoke with a very rude lady asked them to verify that they were licenced to operate in state of south carolina, also asked for a copy of my contract that was signed and the lady got all upset with me finally hanging up on me. I called them back and spoke with a "supervisor" that tryed to get me to say I would pay Principle extra 200.00 I told her she would be hearing from the BBB and she asked if she could call me back. Im still waiting :wink: I want to let you know that I am so glad I found you all, also thanks about the chexsystems they can report me to teletrax I will never be in this situation again.

I'll be surprised if they get back with you Barbie, because they know you have them by the tail! I really hope everything works out in your favor! :)

I am so tired of dealing with them but I know I have to harrass them before they do me :D now B.I.G they are a different story all together, but as far as the teletrax that won't affect me using my debit card? Again I can't say thank you enough.

Well, it never affected me, I still write checks, and use my debit card. Like Goudah said, basically it will prevent you from getting anymore pdl's, but we don't care about that anyway, do we. lol :D

Good morning, yesterday I recieved a call from the almighty B.I.G ltd and spoke with a great gentleman named Phillip? he was upset by the ACH Revoke letter that I emailed them. Can you believe he had the nerve to say that my account was in their fraud dept :D Wow go figure, I proceeded to explain to the young man that my dept was indeed paid and he continued to just say that I still had to continue to pay some fees and explain how the payday system works so on so on, when I won't agree to make any more arrangements with him and I ask for a physcial address he get's really mad and starts yelling that he will call my job and my contacts and how he will find me I say"Ok" still not going to agree to send you any money finally I hang up on him. I am writing a ceiest and desist letter to them now. Who do I contact to get rid of these beast Im sick of them.

Awwwww, poor Phillips was upset? My gosh, these people are unbelievable aren't they! :twisted:
I located some info for you, but I'm not sure how helpful it will be. Anyway, here is what I found. :D

B I G Payday
1005 Terminal Way STE 102
Reno, NV 89502-2179
Telephone: (877) 282-5450
Fax: (877) 762-7350
big-int.com

Cannr wrote:


I found this info at the link below.
http://www.debtconsolidationcare.com/paydayloan/big-info.html

oh yes he was mad, then he sent me to the can you believe the "fraud" department where I spoke with a Ms. Anna Garcia she proceeded to say that she could not give a address and that they were managed by a company called HBC services, I borrowed 200.00 I have paid 245.00 I have paid my principle do i contact the BBB in reno also I will write my AG's office thanks for the help

Good morning, here's whats been going on with me. Sent B.I.G a email containing their real yes their real address in london at a clearing house found in via the web and also posted their contact in london to report bad behavior wrote them a really nice cool letter also let them know that I would be contacting my local fraud authorities being that they got my information from another site haven't heard from them since monday :P wonder why?? also for some reason I got a call from a company called payco? did not know who they were but the Ena left me a message "get this" that they were going to send a investagator to my job and to my bank for not recieving my payment WHEW!!! when i finally got the lady that left me the message Ena I called them so many times and finally got someone and I let her have it, I laughed at her and asked her what day he was coming so I could put on my best outfit in case he happened to be a cutie and I wanted to keep him :P She got so mad at me and I kept calling them since I have the simply everything plan on my cell and I happened to be off work yesterday that they blocked my calls the number would not even ring for me. Whats wrong nobody wants to playyyyyyy!! thank you all for empowering me you guys rock. I have decided I will harrass them and call constantly and send so many email's that they will never want to hear from me again I mean really who will they tell? Im simply the consumer trying to pay my debt.Or get my pif. I'll be the chucky of the payday loan world. Smooches family gotta go find that hot outfit and wait on that investagator!!

I saw in a previous post that pdl companys can get your new account information by checking chexsystems is that true? I only thought that banks and credit unions had assess to that expecially the internet loan companies, let me know so I can contact my bank

Well I don't know anything about the banks getting new info from chexsystems but I don't think that is right but someone will be along to advise you further.

I just wanted to comment on your last post on how you are dealing with them I think it is great that you are turning the tables on them keep it up:)

the only way i know that they can get your
bank info would be if you applied for any
loans,credit cards,or other financial tools.
that is the only way.

what about using my debit card I am really worried I don't write checks at all dont even have a check book so when I hear of companys getting new account information It is scarey I also have no payments directly coming out of my account. Yea I am still waiting on my phone to ring I wanna Playyyyyyyy :D

not really,you can use debit cards and not
give any info.just to be sure though i always
press credit when it asks credit or debit.
there would have to be more info than your card#.
they would need the acct#and routing#you can't gleen
that from a debit card.

thank you for that I will do that like I said I have already started a new account and would hate for someone to get my info what about online banking I am afraid to do that as well I am so paranoid of everything also I had a guy call me yesterday asking me did i still want a payday loan and I asked him who he was and he said crown financial, I told him I did not apply for one and asked him his name and how he got my info he said name was tom and he said from through another website I applied for about 4 months ago I said sir what is the name of the website and he said " I am not able to say" I said Tommy do you know that is called phishing and is against the law he hung up on me when I tryed to call the number back kept getting a recording Whew this is really a lot of work.

i need serious help with bank of america they refuse to close my bank account I need the contact information for the corporate office and the person to speak with in charlotte north carolina they bacially want more money in their pockets and I am not having it looks like I may have to wage a war against them too Please provide me with the number to contact someone to stop the remaining debits.

I am excited I finally got bofa to work with me my account is now on a deposit only status WheW that was hard also Robert James is working to close my account with BIG and he said that I was very shrewd and he wanted pointers? I don't quite know how to take that lol. I have all of you to thank you guys rock :D

Good for you Barbi, it sounds like it's all truning out in your favor, before too long you will be pdl free!! :D

I also have many payday loans and am getting the calls. I did stop payments on them right away, but now they are threatening with garnishment. I have the following loans:
United cash loans:
fastcash911
multiloansource
myquickloan
payday yes.
I live in Michigan.

Hello all Ive miss you all I just got my first letter from a collection agency called Ais Services does anyone know anything about them as to what to expect. The internet lenders that turned me over to them, I could never get them to respond to me do I contact the collection agency or do i sit back and wait? Let the games beginnnn :lol:

I got a call from Web Payday on last week they were so rude and i proceeded to tell them that they were not licenced to loan in south carolina and i was only paying the remiander of the principle, well the guy tryed to bluff me by saying "make your calls and call me back when you find out we are indeed leagal" Well I called the attorney generals office in utah where they say"" they operate out of and how about they are not licenced, they said they are on a defunct list meaning they are sorry as H**** well i called mr lamar back and shared this information with him and also the ag's office said that web paydays owner wrote a letter in april stateing that he would no longer do payday loans in utah. So i pass this along and this story gets better they start studdering and studdering all the way saying that they will call me back when they speak with their leagal department. About 25 min later larmar calls me back and says that i can just sent the remainder of the principle when i feel like it, but hey im not finished how about one of they guys that work there called me on his personal cell phone to try to get with me :twisted: I probed him and how about he told me they are in Atlanta Georgia where payday lending in prohibited :wink: He was so stupid saying that he was turned on by my voice what i was totally freaked out but not before i got all the information from his first thing in the morning I will be calling the Atlanta AG's office and hey what kind of person would i be if i didn't report this I mean i gotta look out for my fellow DCC members who knows maybe I can single handly shut this operation down :P I will post tomorrow on what happens. Im so excited I love you guys you all have made me so strong and confident you have created a monster, a good one LOL :D

Oh. My. God.....Not only are they liars, they are PERVS as well! I would DOCUMENT everything this slimeball said and go straight to the Atlanta PD with that!! And the beauty of it is that the doofus used his personal cellphone to do it, so they can trace it, and now he's being hauled in!!! EXCELLENT!!

Do exactly what ks says and report the pervert to the police department. I hope that you have his phone number or at least his last name. Good luck and keep us posted.

I tell you family its like I am living out a life time movie, last night I am trying to get my workout on and my cell rings about 12.am i answer and quess who it is this mans wife, She tells me where the Webpayday is located in atlanta and everything and she thought I met her husband on the street I told her no he got my infromation from his job and called me, I am do freaked out by it all I cannot wait to call the AG's office in Atlanta. You guys rock looks like I will be getting another paid in full today :P

Wahoooooooo, I hope you DO get a PIF, there are too many freaks, and not enough circuses. :D