Payday Loans question
Date: Mon, 06/28/2010 - 20:55
One suggestion I've seen/read was to stop direct deposit and close the bank accounts. Can these PDL Lenders then call my employer and request wage garnishment? If I have another bank acct at another institution, could I just switch my direct deposit to it, since I've never had any PDLs on this acct? Would the PDL Lenders be able to ACH this account at all?
After closing my accts that have the PDLs, how do I then approach these PDL Lenders to let them know I'd like to pay them their money (and what do I really need to pay them if the total of fee payments made for each PDL's extension equals or exceeds the original amount borrowed?) and make arrangements with them that will keep them from contacting my employer and creating another, possibly bigger mess for me? With whom do I discuss arrangements at the PDL Lenders?
Can these PDL Lenders affect my credit in anyway? Do I need to use a PDL consolidation firm, or can I just go at this on my own with basically the same outcome?
Again, I want to pay back the amounts I borrowed, but I need to pay for my necessities as well - food, shelter, insurance, transportation, insurance, utilities, ccs, etc.
Can you tell me where to go to check my states laws on account closures (will I get in any trouble doing this?) and PDLs, or does any of that matter for these PDLs?
Thank you, in advance, for your direction.
SUMMIT GROUP LLC Payday Loan Lender - does anyone have a current
SUMMIT GROUP LLC Payday Loan Lender - does anyone have a current address for this one? I searched in the top left, but I don't see any current posts with current info, and some of the posts seem to be about a consolidation co by the same name.
Is the payday lender Summit Group LLC also known as Bahamas Marketing Group? I need an address for the BBB complaint against Summit, as the telephone number (866.918.2742) does not yield any business info, and I do not have a web addy for them.
Thanks.
SSM/SJM (they are the same SJM Marketing 1-866-722-2770, Fax 1
SSM/SJM (they are the same
SJM Marketing 1-866-722-2770, Fax 1-866-599-5161
email: info(at)platinumbservices.com.
SJM/Platinum B Services
PO Box 558
Shawnee Mission, KS 66201
1-866-722-2770
Fax 1-866-599-5161
SSM/SJM is the same as Summit Group LLC???? I would NEVER have f
SSM/SJM is the same as Summit Group LLC???? I would NEVER have figured that out! Thank you!!! I guess that's why the powers that be led me to you! :-)
Thanks!
UNITED CASH LOANS st1\:*{behavior:url(#default#ieooui) } Hi,
UNITED CASH LOANS st1\:*{behavior:url(#default#ieooui) } Hi, Shazzers. Today I received the attached email from Kenwood Services. I haven't responded yet, but, of course, it's now after 5 pm EST, and I just saw this email. Mind you, I only owe them $210 and they never responded to my letter revoking ACH authorization (which they received at least 3 days prior to their attempt to debit my account) and advising them of the repayment schedule I want to follow. Please advise.
[FONT=Arial][SIZE=6][COLOR=#333300][COLOR=#333300]
[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=6][COLOR=#333300][COLOR=#333300]KENWOOD SERVICES, LLC[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]1209 Orange St[/COLOR][/COLOR][/SIZE][/FONT][FONT=Arial][COLOR=#333300][COLOR=#333300].[/COLOR][/COLOR][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]Wilmington[/COLOR][/COLOR][/SIZE][/FONT][FONT=Arial][COLOR=#333300][COLOR=#333300], DE 19801[/COLOR][/COLOR][/FONT][FONT=Arial][COLOR=#333300][COLOR=#333300][FONT=Arial][/FONT][/COLOR][/COLOR][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]07/22/2010[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Your bank has returned your account to us “account frozen”. Your current balance is $510.00, but we are willing to defer some of the service charges that have accumulated on your account. [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]You may settle your account with Kenwood Services for $305.00, but you must contact us immediately.[/COLOR][/COLOR][/SIZE][/FONT][FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] It is important for your future credit standing that you contact our office at once.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3]If you fail to contact us regarding this matter we will be forced to report your outstanding account to the customer credit reporting agencies. Contact our office before 5:00 pm EST to avoid any further action on your account. If we do not hear from you before 5:00 pm EST today, a total balance of $510.00 plus a $265.00 collection charge will be owed. After 5:00 pm EST today, no settlement will be available and Kenwood Services LLC will not be able to assist you.[/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT] [FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Sincerely,[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Kenwood Services LLC[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Collection Department[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Contact Numbers:[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=1][COLOR=#333300][COLOR=#333300] [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]FAX US TOLL FREE AT: 1-877-794-5563[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]CALL US TOLL FREE AT: 1-877-794-5562[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2]
[/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2]What should I do now? I also advised them in my prior letter that all contact with me should be by USPS mail or email, so I don't know why they expect me to call... please advise.[/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2][FONT=Lucida Console][/FONT][/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2]Thanks.
[/SIZE][/FONT]
Shazzers, Also, yesterday I received a letter from CSC Corporat
Shazzers,
Also, yesterday I received a letter from CSC Corporation Service Company advising me that they are not the registered agent for East Side Lenders. Apparently, the 2711 CENTERVILLE ROAD SUITE 120-5900, WILMINGTON DE 19808 address that East Side Lenders has noted in their paperwork, and that I've seen noted on this forum IS NOT EAST SIDE LENDERS' ADDRESS! DOES ANYONE HAVE AN ACCURATE ADDRESS FOR EAST SIDE LENDERS???? Since I emailed them at the same time I sent the revocation letter via certified mail - and they did respond to my email - I know they received my letter, but I need to update my complaints against them with a valid address, I guess. What do I need to do? I did respond to their initial reply (posted here days earlier), referring them to the initial letter, refuting their claim that the Delaware laws preside, advising of a proposed re-payment schedule, asking for their response within 48 hours (which I have not received). SO WHAT'S NEXT WITH THIS ONE??? AGAIN, IF ANYONE HAS AN ACCURATE ADDRESS FOR THEM, PLEASE ADVISE.
[QUOTE=Anonymous;726388]UNITED CASH LOANS st1\:*{behavior:url(#d
[QUOTE=Anonymous;726388]UNITED CASH LOANS st1\:*{behavior:url(#default#ieooui) } Hi, Shazzers. Today I received the attached email from Kenwood Services. I haven't responded yet, but, of course, it's now after 5 pm EST, and I just saw this email. Mind you, I only owe them $210 and they never responded to my letter revoking ACH authorization (which they received at least 3 days prior to their attempt to debit my account) and advising them of the repayment schedule I want to follow. Please advise.
[FONT=Arial][SIZE=6][COLOR=#333300][COLOR=#333300]
[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=6][COLOR=#333300][COLOR=#333300]KENWOOD SERVICES, LLC[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]1209 Orange St[/COLOR][/COLOR][/SIZE][/FONT][FONT=Arial][COLOR=#333300][COLOR=#333300].[/COLOR][/COLOR][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]Wilmington[/COLOR][/COLOR][/SIZE][/FONT][FONT=Arial][COLOR=#333300][COLOR=#333300], DE 19801[/COLOR][/COLOR][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]07/22/2010[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Your bank has returned your account to us ???account frozen???. Your current balance is $510.00, but we are willing to defer some of the service charges that have accumulated on your account. [/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]You may settle your account with Kenwood Services for $305.00, but you must contact us immediately.[/COLOR][/COLOR][/SIZE][/FONT][FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300] It is important for your future credit standing that you contact our office at once.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3]If you fail to contact us regarding this matter we will be forced to report your outstanding account to the customer credit reporting agencies. Contact our office before 5:00 pm EST to avoid any further action on your account. If we do not hear from you before 5:00 pm EST today, a total balance of $510.00 plus a $265.00 collection charge will be owed. After 5:00 pm EST today, no settlement will be available and Kenwood Services LLC will not be able to assist you.[/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Sincerely,[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Kenwood Services LLC[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Collection Department[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=3][COLOR=#333300][COLOR=#333300]Contact Numbers:[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]FAX US TOLL FREE AT: 1-877-794-5563[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=5][COLOR=#333300][COLOR=#333300]CALL US TOLL FREE AT: 1-877-794-5562[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2]
[/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2]What should I do now? I also advised them in my prior letter that all contact with me should be by USPS mail or email, so I don't know why they expect me to call... please advise.[/SIZE][/FONT]
[FONT=Lucida Console][SIZE=2]Thanks.
[/SIZE][/FONT][/QUOTE]
I will respond to this shortly, I need to do some research first. I will say this though, even if they do report you to a CRA, all you would need to do is dispute it.
The address that is listed in the Delaware licensee data base fo
The address that is listed in the Delaware licensee data base for Eastside Lenders LLC is below:
East Side Lenders LLC
314 East Main Street Suite 304 Newark, DE 19711
I have done a little research and see that Kenwood Services is l
I have done a little research and see that Kenwood Services is located in Delaware, however, they are NOT licensed in Delaware, sooooooooooooo, if I were you I would contact the Delaware Banking Commission at 302-739-4235 and inform them that Kenwood services is issuing loans in their state without the proper licensing, I would also inform them (the banking commission) that Kenwood is issuing loans and charging illegal interest rates to out of state residents.
Or............ you could send an email to Kenwood and tell them you will give them 48 hrs to accept the principal amount, or you will be forced to contact the Delaware Banking Commission, the Administrator of Non-Depository Institutions and Compliance, AND the Delaware Attorney General with information that could prove to be extremely detrimental to their reputation AND future.
Hi, Shazzers. You wouldn't happen to have a confirmed address f
Hi, Shazzers.
You wouldn't happen to have a confirmed address for Cash Advance Network, would you? I hope so. The address on the paperwork from them indicates an address in Vancouver, BC (Canada), as follows:
Apex 1 Processing Inc d/b/a Cash Advance Network
PO Box 88491
418 Main Street
Vancouver, BC V6A4A7
I only emailed and faxed them my revocation/payment schedule letter (email: [email]customercare@cashadvancenetwork.com[/email], fax 877.505.0011; phone is 800.992.9200) - because I didn't trust that addy - but when I filed the complaint with the BBB based on that address, it re-routed me to the BBB of Mainland British Columbia, based on that address. When they responded to my complaint, they advised that they could not proceed with the complaint as the issues contained fall out of their purvue. I'm sure somebody else has dealt with this PDL lender. ANY HELP ON GETTING A US ADDRESS WOULD BE APPRECIATED!
i have been using payday loans ...for last eight months... I did
i have been using payday loans ...for last eight months... I didn't get caught in the "trap" because I knew I had a yearly bonus coming and used it to pay off the last loan. I think they are fine for occasional use IF you understand what you are doing and don't take out more $$$ then you need.
[LEFT]FYI to all - [FONT=Arial][COLOR=black][/COLOR][/FONT] [FO
[LEFT]FYI to all -
[FONT=Arial][COLOR=black][/COLOR][/FONT]
[FONT=Arial][COLOR=#0000ff]Below is the reply I received from CSC regarding East Side Lenders - [/COLOR][/FONT]
[FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT]
Corporation Service Company encompasses that entire office complex at 2711 Centerville Road in Wilmington DE. There is no East Side Lenders, LLC located at this addresses. For this reason the document was rejected as Corporation Service Company is not the registered agent for East Side Lenders, LLC.[/LEFT]
[LEFT][LEFT][FONT=Arial][SIZE=2][/SIZE][/FONT]
Andrew Herman
Customer Service Specialist
Corporation Service Company
Phone 800-927-9801 x3230
[URL="mhtml:{75A97D6D-1CE4-4FC2-8547-582F0C3D962A}mid://00001353/!x-usc:http://www.cscglobal.com/"][COLOR=#0066cc]http://www.cscglobal.com[FONT=Times New Roman][SIZE=3][COLOR=red][FONT=Arial][SIZE=2][COLOR=navy][FONT=Arial][/FONT][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT][/COLOR][/URL]
[FONT=Times New Roman][SIZE=3][COLOR=red][FONT=Arial][SIZE=2][COLOR=navy][FONT=Arial][/FONT][/COLOR][/SIZE][/FONT][/COLOR][/SIZE][/FONT] [/LEFT]
[/LEFT]
Quote:Originally Posted by Maralyn Jonesi have been using payday
Quote:
Originally Posted by Maralyn Jones i have been using payday loans ...for last eight months... I didn't get caught in the "trap" because I knew I had a yearly bonus coming and used it to pay off the last loan. I think they are fine for occasional use IF you understand what you are doing and don't take out more $$$ then you need. |
This has absolutely nothing to do with this thread, so it would be appreciated if you would not respond to a thread unless you have information which would be helpful to the original poster. I would also like to add that your comment in the middle of this thread was somewhat condescending to the original poster, please refrain from this type of response in the midst of a serious discussion. Thank you.
The address I have for Cashadvancenetwork is a bit older and I a
The address I have for Cashadvancenetwork is a bit older and I am not sure how accurate it is:
Cash Advance Network/ MTE
Address: 101 N. VICTORY BOULEVARD, #G
BURBANK, CA 91502
Thank you SOOO MUCH, Shazzers for all the info - and for having
Thank you SOOO MUCH, Shazzers for all the info - and for having my back on that post from Maralyn Jones. It was very out of line. You are much appreciated!
Hi, Shazzers. I've received phone calls but no emails or letter
Hi, Shazzers.
I've received phone calls but no emails or letters from the PDL lenders responding to my letters in which I noted the payments I would make and requested addresses to which to make any payments. Up to this point, I've just ignored the calls.
Question - do I return the calls, even though I requested communication be in writing? If I call them back, what do I tell them? Do I just advise them that I am awaiting their written response to my letters in which they provide an address to which to mail the payments and indicating their acceptance of the payment terms, and demand a written response? If they indicate that they will only accept payment by debit of a bank account or prepaid VISA/MC, should I agree to pay them that way (pre-paid card, not the bank account), or should I stick to the payments by mail only?
Thank you.
Quote:Originally Posted by AnonymousHi, Shazzers. I've received
Quote:
Originally Posted by Anonymous Hi, Shazzers. I've received phone calls but no emails or letters from the PDL lenders responding to my letters in which I noted the payments I would make and requested addresses to which to make any payments. Up to this point, I've just ignored the calls. Question - do I return the calls, even though I requested communication be in writing? If I call them back, what do I tell them? Do I just advise them that I am awaiting their written response to my letters in which they provide an address to which to mail the payments and indicating their acceptance of the payment terms, and demand a written response? If they indicate that they will only accept payment by debit of a bank account or prepaid VISA/MC, should I agree to pay them that way (pre-paid card, not the bank account), or should I stick to the payments by mail only? Thank you. |
I wouldn't call them back if I were you, all they will do is threaten you with things they can't possibly follow through with. As far as payments, I would insist on an address, it's their decision whether they want to provide a valid address and the responsibility falls on their shoulders, not yours. You can only do so much. :)
Quote:Originally Posted by AnonymousThank you, my dear. You're w
Quote:
Originally Posted by Anonymous Thank you, my dear. |
You're welcome!
Hi, there! It's been a few weeks; hope all is well with you, Sha
Hi, there! It's been a few weeks; hope all is well with you, Shazzers. Well, I was finally able to close the 2nd bank account, but due to the lost stolen block that had been placed, there had been no activity allowed on the account.
I've been receiving calls from the 'collection agents' for some of the PDLs, but have been ignoring them all to this point (I have not answered any of the messages nor returned any of the calls). Today, however, some guy with a heavy middle eastern accent called my references - my best friend and my brother. With my best friend, he told her that maybe she wanted to take care of the situation. With my brother, he actually threatened him and me, telling him he better get me to take care of the situation if he didn't want anything to happen to me or him (my brother)! My brother said he just lost it on this guy, and the guy hung up on him. My brother called him back and gave him the 'what for' about threatening him or anyone in his (my) family! My question is, what do I do now? Do I contact these folks to advise them of anything with regard to their horrendous actions? Be advised that I have had NONE of these PDLs contact me to give me a mailing address to which to send payments (for the few I owe), and, of course I have not received any refunds (from those I overpaid).