Hello, it's been awhile since I wrote on this particular board. back in maybe March/April, I was overwhelmed with several loans. With the help of this wonderful board, I have settled with most. The only one left is Geneva Roth. I have taken many loans out with them in the past. (They said since 2006). I have paid thousands in illegal fees. The last loan I took out was for $500 and I have not paid anything on it because I than shut down my bank accounts. I live in NJ and it is my understanding that these loans are prohibited. I am more than willing to make arrangements paying the principal but in payments, since I'm poor. (lol, really I'm having huge money problems). They call once in awhile, I sent out complaints to the BBB, FTC, and my state's attorney general. They kinda dissapeared for awhile than I recieved a call at my work phone. I told her not to call me here and hung up. Than I forwarded the letters again to them. She left a msg on my home phone (which i checked when I got home from work an hour or so ago) and asked if my company would like me using their email?
I called her back and remained calm (a first for me to those who have seen my posts on the other boards!) She was acting funny, kept saying my name. She kept going on about how I am using my company's computer to apply for loans (which isn't even true! I only forwarded the letter to her because I happened to have it on a disk I carry in my purse.)
She said I owe $950 (bull, because the loan was for $500!) she said they are in fact legal and that they will pursue. To be honest, I doubt they will but am scared of what they will try to do.
I cannot afford to get in trouble at work for using this email one time (i'm paranoid to even post this message because I'm scared the evil company is reading this!)
She offered a $300 settlement that is only good for today, payable by credit card. I would have loved to have settled to get it good and over with but I don't have $300.
To be real honest, my entire paycheck is going to my landlord because I am three weeks late with rent. I have no money for food, gas, car payments.. today, for example I am trying to sell jewerly for a $66 electric bill. I have a second job that starts in August and things will be easier than (I lost my last second job because the store I worked at let people go because they were losing money with the bad economy). Everyday I do nothing but cry and pray. I borrowed money from family to settle with Capital One and cannot ask them again.
What can I do to make arrangements? I am not trying to cheat anyone. I have taken maybe about 50 payday loans in the past (maybe more?) and have paid every single crazy fee because I thought it was right. Than I found out they weren't legal and am tyring to still make things right by paying towards the principal.
She said she won't give me a physical address (though i do have one from reporting them to the BBB), she said I cannot ditact to them how to pay this loan. She said I have taken so many out that I know how this is done. She said they will do everything they can to get the $950 from me. She said I was marked down a refusual. Than she once again mentioned the email thing. Seriously, how can I work with them? I tried to get their ACH Processor from my bank, but I closed the account so long ago that they said they cannot help me. I really am scared, I'm actually going to start counseling because my debt has got me feeling so low. I just want to make things right and pay it down. But I can only afford to pay little at a time. Can someone please offer me advice?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
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