Advance Me Today

What is C&D them? For the past few days they have called my job. I even talked to them on the phone cuz I don't want them calling me at work. But they are still calling regardless if I talk to them or not. They said they will continue to call until they are paid.

I've already emailed them saying paydays loans are illegal in AZ and I've revoked authorization for ACH withdrawals on my account.

They are starting to call me daily, several times a day and at work too.

Looks good!! Make sure your bank accoubt is closed before you send it! In still dealing with these clowns. I overpaid by 386. They called my job, then Ii C&D them. Have not heard a word since

That is just a load of BS. Pay no heed to it and carry on badgering them for a PIF in exchange of repaying the principal. These idiots got a Cease & Desist order from the California DoC. They are possibly offshore as well. Just cannot get any more illegal than that. If these guys refuse to budge, ignore them and forget that you ever dealt with them. While you are doing all of that, go ahead and file complaints with the AG and the FTC.

I closed my bank account before I emailed the letter. They have y direct line at work or the operator transfers them to my line. The lenders I'm still dealing with are Advance Me Today, Lakota Cash, Payday Nation, Your Fast Payday, Sigma Solutions, and the Redstone Group. Lenders I got paid in full accounts with are White Hills Cash, VIP Loan Shop, and MoneyKey. Do you have an example of the C&D letter you sent? Was it via email or postal mail?

Here is my first ACH letter. I'm getting them drafted so I can send them off as soon as I change my checking account on Monday. Let me know if it looks ok. This is just one. Advance Me today was my guinea pig.

Dear Customer Support c/o Advance Me Today,

It has come to my attention that payday lenders must be licensed by the state of Iowa in order to offer loans to its residents. Since your company has no active license in my state, according to the Iowa Division of Banking, the loan contract you provided for my signature is illegal, and not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received one deposit of $500 on February 12, 2013. A withdrawal of $150 for a fee associated with this loan was scheduled to take place on March 1, 2013 from my account and has not yet occurred. I am writing to notify your company that I will satisfy the principal amount only on this loan by cashier's check or money order to an appropriate address supplied to me by you.

Please utilized this email as written notice that I am revoking authorization for ACH withdrawals on my account and any wage assignment I may have signed under the contract now invalidated. 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. Going forward I will only recognize and accept communication from your company either by email or postal mail, regarding this matter. Any other form of communication attempt made by your company will be ignored. Please respond to this email, or by postal mail at the address supplied to you on my account, with an address where I may forward final payment(s) to you. Once payment is made, I would like acknowledgment, again by email or postal mail only, that my account has been satisfied in full.

Thank you for your prompt attention to this matter.

XXXX XXXXX

You sent the email before you secured your bank account? Tell me NO! I am also in AZ... You want to at least have your bank account on deposit only.. A C&D is cease and desist - not effective for original lenders. only when it is a collector... illegal lenders are gonna do what they want anyway.. Who all are your loans with? I would tell your work that you were a victim of fraud.. or you could do what I did and call and update the work numbers to invalid numbers... LOL

Stay off the phone...invest in an airhorn or whistle if he calls. Advance me today is located in St Vincent....think in the Caribean. If they dont want a payment via mail, screw them...there is nothing they can do.

So I sent AMT an ACH email. This is one of the last pdlns I had taken out - so I hadn't made a payment yet. The principal balance I owe to them would be $500. Psycho Jerome called and tried getting into an argument with me on the phone that I WILL PAY the $500 plus the $150 fee...and I WILL PAY it by prepaid debit card. I told him no, that I would pay by cashier's check or money order only. He then also said I had no right to record the conversation (which I do - I can record any conversation I'm involved in, just not the conversations of others which I am not involved)....He refused to work with me by postal mail and email - which was a red flag for me - because I think they want to harass me is all. I planned on paying the $500 obviously - but I ended up telling him if he won't agree to my terms he will get nothing. Am I doing the right thing? Oh and I live in Iowa and know they are illegal here. Already spoken with the Iowa Division of Banking in regards to...

A C&D is cease and desist - not effective for original lenders. only when it is a collector... illegal lenders are gonna do what they want anyway. - Not sure if worth your time to do - but here is the link for how to do... http://www.debtconsolidationcare.com/paydayloan/thread184286.html. I would send CMRRR if you are going to send.When you sent them the emails original with the ACH authorization revocations you already told them that you would only communicate via email. All you have to do is tell them once to not call you at work and they should stop - but again they are illegal and will do what they want..

This is crap. They are like this only. They will just give you a heap of BS. These people should be taken to court. It'll be difficult to get a PIF letter. I'm telling you, but don't spare them. Just make their life hell if the loan is not paid off.