Northway Financial, Pack Mgmt/B+L, Ameriloan, Flobridge, SSM Group in PA
I took out the following loans:
10/06/2009 $300.00 Northway Financial - Paid $440 on 10/30 - paid in full
10/06/2009 $250.00 Pack Mgmt/B+L Have paid $675.00 + $60 in NSF so far - still taking out
10/08/2009 $250.00 Ameriloan Have paid $710.00 + $90 in NSF so far - still taking out
10/13/2009 $300.00 Flobridge - Have paid $842.25 + $60 in NSF - paid in full - disturbingly, they claim a woman unknown to me with my account number and routing number has an application outstanding for a loan
11/03/2009 $300.00 SSM Group - Paid $390.00 - paid in full
Are any or all of these illegal lenders in PA? What can I do to recover some of this money, and what chances do I have of recovery? Help!
No Internet payday lenders are legal in your state, CLICK HERE t
No Internet payday lenders are legal in your state, CLICK HERE to find out how to deal with illegal lenders.
Good to know, Shazzers - thank you for the reply. I just receive
Good to know, Shazzers - thank you for the reply. I just received a .pdf from Pack Management LLC that claims I have not paid a dime of the loan principal, and that I am to be debited on 2/19 for $325.00. Where they get this amount is beyond me. I have not been able to contact them for a loan payoff in the first place.
My financial institution, PSECU (Pennsylvania State Employees Credit Union) has been less than helpful in my attempt to put a hard debit block on my account, but they advised me to send notices to each company revoking their ACH privileges. I have seen your instructions and have already begun to follow them.
Thank you for your response and all your work on this site, Shazzers - it's truly great work you're doing.
Addresses for those who have loans with these PDLs: Pack Manage
Addresses for those who have loans with these PDLs:
Pack Management LLC
2533 North Carson Street
Carson City, NV 89706
Phone: 1-866-943-6712
Fax: 1-866-943-6714
Phone and fax current as of 2/12/2010
Ameriloan
3531 P Street NW
Miami, OK 74355
[email]customerservice@ameriloan.com[/email]
Phone: 1-800-404-9026 or 1-800-362-9090
Fax: 1-800-256-9166
Flobridge Group, LLC
484 West 800 North, Suite 202
Orem, UT 84057
[email]contact@flobridge.com[/email]
Phone 1-866-569-3321 (current as of 2/10/2010)
SSM Group
1 North Saginaw Street
Pontiac, MI 48342
Phone 1-866-463-2130
Fax 1-866-463-9412
Quote:Originally Posted by AnonymousGood to know, Shazzers - tha
Quote:
Originally Posted by Anonymous Good to know, Shazzers - thank you for the reply. I just received a .pdf from Pack Management LLC that claims I have not paid a dime of the loan principal, and that I am to be debited on 2/19 for $325.00. Where they get this amount is beyond me. I have not been able to contact them for a loan payoff in the first place. My financial institution, PSECU (Pennsylvania State Employees Credit Union) has been less than helpful in my attempt to put a hard debit block on my account, but they advised me to send notices to each company revoking their ACH privileges. I have seen your instructions and have already begun to follow them. Thank you for your response and all your work on this site, Shazzers - it's truly great work you're doing. |
You're quite welcome, if you have any more questions feel free to ask, please keep us posted.
I added this paragraph to Shazzers' form letter in cases where I
I added this paragraph to Shazzers' form letter in cases where I had overpaid an illegal loan. Feel free to copy and use. We'll see how it works out.
[FONT=Times New Roman][SIZE=3]To date, you have withdrawn [total amount withdrawn] from my checking account for the principal of [amount of original loan] deposited on [date loan was deposited]. As you are an unlicensed lender in [your state], my only responsibility was to repay the principal of your illegally offered loan. Therefore, I demand a refund of [total paid minus principal] forthwith as well as a written statement on your company???s letterhead that my account is both closed and paid in full. I also hereby notify you that, if not refunded for this sum, I will seek full legal redress for the amount unlawfully withdrawn from my account in addition to damages, court and legal fees, and interest.[/SIZE][/FONT]
[FONT=Times New Roman][SIZE=3]*** [Example follows, in my case, Pack Management][/SIZE][/FONT]
[FONT=Times New Roman]To date, you have withdrawn $675.00 from my checking account for the principal of $250.00 deposited on October 6, 2009.. As you are an unlicensed lender in the Commonwealth of Pennsylvania, my only responsibility was to repay the principal of your illegally offered loan. Therefore, I demand a refund of $425.00 forthwith as well as a written statement on your company???s letterhead that my account is both closed and paid in full. I also hereby notify you that, if not refunded for this sum, I will seek full legal redress for the amount unlawfully withdrawn from my account in addition to damages, court and legal fees, and interest.
[/FONT]
Update: Not surprisingly, Pack Management withdrew another $75.0
Update: Not surprisingly, Pack Management withdrew another $75.00 from my account this morning even though I'd revoked their ACH authorization a week ago and informed my bank at the same time that they were no longer authorized to debit. At this point, they're just dipping into my bank account because they feel like it.
I've already sent complaints to the NV and PA attorney generals about these clowns. Should I send updated complaints every week? Also, has anyone had any luck retaining legal help to recover against these crooks?