thanks

Seems like most of your lenders are illegal. In case you have borrowed from an illegal lender, you need not repay anything more than the principal amount. You will also need to close down your bank account and open a new one immediately. Make sure the accounts are not linked in any way. That should be your first step. As for repaying the lenders, do not pay a cent over the principal and whenever you do pay, remember to only do it via prepaid debit card or money order. It would be also effective if you file complaints against the lenders with the AG's office and the FTC.

To keep them from calling you at work, inform the reception or your supervisor to ignore such calls as they are entirely illegitimate. Do not fall for empty threats like being charged with fraud or arrest. They are entirely baseless. Debts are a civil matter.

United cash loans, Ameriloan and VIP loan shop are illegal lenders. You owe principal only. No need to pay them an extra dime other than the principal. Close down your bank account and open a new one. Ask them for a refund, if you have overpaid them. Visit the following link to know how to deal with illegal lenders:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

I saw your other thread with waffles. Keep in mind that all of your loans are offshore/tribal and illegal.

If you have had previous loans that you've paid off, make sure you add up all the deposits vs. all the withdrawals for each. You may not owe a penny more on some of these.

And pay them back on your own time. Don't let them dictate when you should pay and how much.

thanks so much i plan on closing my account beginning next week ( not scheduled to pay back til sept 27). going through my account ive realized i only owe ameriloan $45 and the rest well i wont be asking for a refund. ive made my bed ill lay in it but i will do the appropiate emails and notifications to people.

Great! And remember, if you work in a hospital, tell these bloodsuckers if they call that they are impacting patient care and will be sued if anything happens--then HANG UP.

my bank wont let me close my account whatsoever so what do i do now???ughhh if its not one thing its another

You need to revoke ACH and file disputes with your bank's ach department. Call the 1800 number for the bank and ask to speak to a claims specialist. If the bank continues to process revoked ACH transactions it is their fault.

ill keep you guys posted im gonna go tomorrow and talk to my payroll, open up at new account at webster, then i think im gonna go to a different branch of chases (my current bank) the guy at the branch i went to seemed confused about the whole process....

You need to make sure that you are talking to a branch manager...not a teller or personal banker.

that is finally all mine again!!!so i originally did speak to a manager but i went to a different branch for a "second opinion" and they were way more helpful and closed my account which was verified today when nothing went in or out of my account. yay!!!!now just waiting on what happens with these emails i sent out.

Dear (name of lender)

It has come to my attention that payday lenders must be licensed by the state of connecticut in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid.
The loan that I have with you is for amount) and although i havnt paid anything towards the principal over the course of the past couple years i have paid thousands of dollars worth of interest on other loans not only with you but also with your sister company ( if there is one) therefore i would like you to consider my account as paid in full. i will not be asking for a refund as others might have.
Therefore i am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I am also requesting for you to not contact my employer for I have switched departments therefore i would not be able to be reached regardless. Please respond to this email with acknowledgment of this email and that my account has been paid in full. thank you for your time.

Quote:

i cant find an email address for discountadvances which i also had to default on...do i just let it go orwhat?

Did you pay over the principal or do you still owe them money?

i havnt paid anything towards this loan but in the past ive literally thousands in fees....thank you so much for your help i think this stress was doin me in

No problem... I agree with you - don't pay then another cent and forget about it; these guys aren't even located in the United States.

Dear Maureen,
I see that you have had many of these loans in the past. The loan contract is the same as all of the rest. If you would like to set up any payment arrangments or if you have any further questions please call us at 1-866-598-1100 option number 3.
Thank you.
Michael
Customer Service
[email]Michael@efinancesupport.com[/email]
Phone: 1-866-598-1100
Fax:1-888-772-3189
DISCLAIMER: This message (including any attachments) is for the designated recipient only and may contain privileged, proprietary, or otherwise private information. If you have received it in error, please notify the sender immediately and delete all copies of the message and any attachments. Any unauthorized use of this email, attachments or the information contained herein by you is prohibited. Please direct any questions about this policy or report unauthorized access to e-mail via e-mail to [email]customersevice@efinancesupport.com[/email]
________________________________________
From: Maureen [mlminnix@yahoo.com]
Sent: Friday, September 28, 2012 1:19 PM
To: Michael
Subject: Re: loan
You may be located elsewhere but you still have to obey connecticut's law in which payday loans are illegal therefore making me only morally responsible for the principal amount which i have more then paid with previous loan fees and interest. I was hoping to solve this between us but it looks like i may have to involve my states attorney general on my behalf.
Maureen Minnix
On Sep 28, 2012, at 12:05 PM, Michael wrote:
> Dear Maureen,
> Your contract was completed via the World Wide Web. The governing law outlined in your contract, which you agreed to by your legal e-signature, is based in the Caribbean State of Nevis. When you applied for and agreed to the terms of the loan, the onus fell on you to read the contract in its entirety. You are a citizen of the state of Connecticut, however, the contract was not made in the state of Connecticut. With all the information at hand we are still willing to work out arrangements for the balance that is still legitimately owed. If no contact is made within a reasonable time frame, the account could eventually be placed with a third party collection agency. You may contact our offices 7am-11pm CST Monday-Friday and 8am - 5pm Saturday and Sunday. Our toll free phone # is 1-866-321-6114 option 5.
> Thank you for time and we do hope that we can work together to resolve your concerns.
>
> ________________________________________
> From: Maureen Minnix [mlminnix@yahoo.com]
> Sent: Thursday, September 27, 2012 9:49 PM
> To: VIPLoan Shop
> Subject: loan
>
> Dear VIP,
>
> It has come to my attention that payday lenders must be licensed by the state of connecticut in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid.
> The loan that I have with you is for $1000.00 and although i havnt paid anything towards the principal over the course of the past couple years i have paid thousands of dollars worth of interest on other loans not only with you but also with your sister company bottom dollar payday therefore i would like you to consider my account as paid in full. i will not be asking for a refund as others might have.
> Therefore i am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I am also requesting for you to not contact my employer for I have switched departments therefore i would not be able to be reached regardless. Please respond to this email with acknowledgment of this email and that my account has been paid in full. thank you for your time. Maureen Minnix
>

Forget it. Tell them they aren't getting another dime and they are welcome to sell it to a 3rd party CA who you will just C and D.

response i got from ameriloan and united cash loans, i promptly replied i reside and signed the loans in ct which unbeknownst to me at the time does not prohibit payday loans and that ill be contacting my states attorney general on my behalf.

Dear Maureen Minnix:

The loan agreement you entered into with United Cash Loans was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Connecticut. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma.




Please see the attached settlement offer:

Balance Due: $1040.00

Application ID: 1993026720

This offer is being sent to you as an offer to settle the above referenced account. United Cash Loans is currently offering $650.00 as a settlement in full on the above noted account.

If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-394-3757 Ext 282 Monday???Friday 7:00AM-3:00PM CST, or email us at [email]compliancedepartment@unitedcashloans.com[/email]. Payment must be received by United Cash Loans no later than the close of business on October 12th 2012. Payment must be made via ACH and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like United Cash Loans to automatic debit the amount, please give permission via email or call us at the number provided.[/SIZE]