PDL Hell Hope
Date: Thu, 08/02/2012 - 12:19
I live in CT and I found myself in PDL Hell. 12 PDLs and no way to pay them. I was ashamed, frustrated, scared and desparate. I tried to contact each PDL to make extended payment arrangements so I could afford to pay them and to pay my other bills at the same time. Then I found this WONDERFUL forum !!!!!! I can finally see the light at the end of the tunnel. It is taking a bit of time and a lot of hard work but last night i was finally able to get a good night sleep. Thanks to the info I recieved on here I found that PDLs ar PROHIBITED in the state of Connecticut. This made me feel empowered and a little less scared and desparate. I contacted the PDL's again and was able to get 4 of them to agree to extended payment plans. 2 others gave me PIFs. As for the other 6 they would not budge. So Tuesday I contacted my bank (the ACH's for these PDLs were scheduled for Thursday) and they were very helpful. I filed disputes against the 6 PDL's for debiting my account when I had revoked authorization. The bank has blocked all 6 of the PDL's from taking any more money from my account. They are working refunding the last debits these 6 PDLs took from my account. They have refunded my the Overdraft Fees that these debits created in my account. The agent I spoke with assured me they will not be able to debit my account anymore and is monitoring my account to be sure these PDLs do not take any more money. I feel like I have my life back. Today is the day the PDLs would have taken there so called "Renewel" fees out of my account .... well guess what.... I actually have money in my account.... they did not take a dime. I have sent all 6 of them emails..... 2 of them I have asked for refunds because I have paid them much more then the principal I borrowed... and the other 4 I have offered to make 2 monthly payments to finish paying them the principal I borrowed.
I would never have found the courage and the strength to do this if it had not been for this site. I thank each and everyone of you that have posted here.... I hope that I am able to help someone out there that is feeling the same way I was. I want to tell you that there is Hope for getting out of PDL Hell..... and that Hope starts right here with this forum and the experts that guide you.:sun:
I would never have found the courage and the strength to do this if it had not been for this site. I thank each and everyone of you that have posted here.... I hope that I am able to help someone out there that is feeling the same way I was. I want to tell you that there is Hope for getting out of PDL Hell..... and that Hope starts right here with this forum and the experts that guide you.:sun: