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Getting it all Straight!!

Date: Mon, 04/28/2008 - 17:45

Submitted by shoppinbuczek
on Mon, 04/28/2008 - 17:45

Posts: 53 Credits: [Donate]

Total Replies: 24


So I have been going through this forum pages for many hours. I would like to run my situation by you to see if I have it all straight.
I have three PDL's
Loan Sop I got $300.00 and have paid 720
Upfront Cash I got $350 and have paid 945
United Cash Loans I got $300.00 and have paid 450.00

I have checked the Illinois laws and it appears that they are not licenced in IL. Also if I am reading the law right I have gone way over the 45 day limit and the loans have been rolled over which is prohibited in IL. The law says that you can't charge more than 15.50 per $100.00. I have been paying 90-120 per pay period. Am I understanding all of this correctly?

Here is the catch. I electronically signed a contract with Loan Shop that my paycheck deduction would be $60.00. It has been $90. When I called them about it they said that it was no longer valid because when they talked to me they were able to up it so my electronic contract was void.

So far I have written them the cease letters I have found on here. I am also going to file with the BBB, The Illinois Attorney General and the Attorney General in their state.

Should I try to close my account with Bank of America? What are the chances of getting any kind of refund from these companies? How long does it usually take to even get a PIF?

I want this all over soon!

Thanks for any help you can give me!


I'm afraid you are probably going to have to close your account, to stop them from stealing your money. Please read this information about closing accounts at the link below, before you do so.
http://www.debtconsolidationcare.com/paydayloan/close-account.html

You most definitely should file complaints, with you AG, BBB and Department Of Finance. When you file your complaint with the BBB, state that you demand a refund for the amount you have over paid these companies. I really am not sure how helpful the IL BBB is, but in Ohio, they were very helpful to me.


lrhall41

Submitted by Shazzers on Mon, 04/28/2008 - 18:22

( Posts: 17344 | Credits: )


I agree with Shaz....these people will come up with anything to validate what they are doing. They will say or do anything. I would take copies of your letters to your bank and get that account closed and also let them know that you have revoked your authorization to debit you account. I know UCLs are a pain in the butt!!! I have dealt with them and they are sneaky!!!! Watch your account to make sure they don't slip a "paper" check through before you get your account closed.


lrhall41

Submitted by 2nband on Mon, 04/28/2008 - 18:36

( Posts: 2277 | Credits: )


being in illinois myself,i can tell you that none of these places are licensed or registered with our state.do as shazzers advises with your bank account.
these places will debit forever and still say you owe.take care of the bank and we'll go from there.


lrhall41

Submitted by paulmergel on Tue, 04/29/2008 - 05:56

( Posts: 15514 | Credits: )


O.K. So I have written my letters and filled out the Attroney General forms for both my state and theirs. I was going to file with the BBB tomorrow. Before I fax all of this to each company I am going to talk to my bank tomorrow and take all of my information with me. I am just going to tell my employer that I have had some weird transactions on my bank account and for them to just give me a paper check on Monday. Have I covered all of my bases? I am worried about the stimulus check. It will go into my account mid May.


lrhall41

Submitted by shoppinbuczek on Tue, 04/29/2008 - 17:26

( Posts: 53 | Credits: )


Can anyone tell me if they have worked w/Langhorne? At first I thought it might be the solution but after talking to them yesterday I feel a little nervous. I have 12 internet and 5 store loans its a mess


lrhall41

Submitted by on Wed, 04/30/2008 - 09:00

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There have been many people here that have used them.

It's really a personal choice. If you can pay the extra money and not have to deal with these companies yourself, then go for it.

However, if you want to save some money, you could do the same thing Langhorn is going to do for yourself.


lrhall41

Submitted by goudah2424 on Wed, 04/30/2008 - 09:15

( Posts: 7935 | Credits: )


I would go to the ACH Commerce website and you can probably file a complaint right there. That is what I did with Intercept EFT. I copied and pasted that complaint over to an email and sent it off promptly to the PDL so they were aware that I had talked with them. I also attached a copy of my C and D letter to the PDL to the email I sent to the processor. I also copied in the PDL bank. I sent everything I could to the PDL and within no time I had a PIF from them. All I can say is it worked for me and I am hoping that it will work for anyone else who is dealing with these guys.


lrhall41

Submitted by llw1995 on Wed, 04/30/2008 - 12:51

( Posts: 1422 | Credits: )


I posted this in the other forum but wanted to share here too. If they actually do deposit that into my account I will feel like I won the lottery. Now if I can get Intercept EFT to help me out here.

Thank you for contacting UPFRONT CASH for your financial needs, we appreciate your inquiry.


In accordance with your request multiple actions have been taken on your account.

We do wish to apologize for any difficulties you have experienced while attempting to address the concerns on your account.

Currently your account has been marked for no further contact to take place. No calls to your home or work will be placed as per your request.

Your account has now been marked as paid in full and balance set to $0.

Lastly the requested credit has been distributed for the amount of $505. This transfer should be available to you in the account on record on 05/01/2008.


Please advise if there are any further requests or questions about the actions we have taken in accordance with your settlement offer.

Thank you for contacting UPFRONT CASH. Please let us know if we can be of further assistance or you can call our customer service department at 1-866-735-3526 during normal business hours.




Sincerely,

Customer Service


lrhall41

Submitted by shoppinbuczek on Wed, 04/30/2008 - 15:53

( Posts: 53 | Credits: )