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I have 5 PDLs in Montana and would like help

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I'm in Montana and I have 5 internet payday loans - I just found this forum and need help getting rid of these PDLs. Thank you!

ameriloan - 250 - first payment of 75 due 09/20
Loanshop online - Isle Ventures - 300 - first payment of 90 due 09/20
Unitedcashloans - 300 - first payment of 90 due 09/20
OMG Group (oasis1 marketing group) - 200 - have paid 120 (2 payments of 60 each) with a payment of 60 due 09/20
MLadvance/JHPartners - 300 - have paid (I think) 270 (3 payments of 90 each) with a payment of 90 due 09/20


I have contacted my employers to have my direct deposit changed to another bank, but I may have a paycheck still coming to my original bank tomorrow (and maybe Friday from a second job, but hopefully not). Hopefully, my next paychecks will go to my new account.

I haven't closed my bank account yet (and in reading the sticky about closing accounts, I guess I'm glad I haven't done that. I still need to do the revocation letters. Well, I just e-mailed revocation letters, but I need to print them tomorrow and mail them - and maybe fax them?)

Thank you so much!




kris, if you have any problems, just post. I'll be here. As will others!

Sub: #51 posted on Fri, 09/21/2007 - 18:56

cannr cannr

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OK, thanks!

Sub: #52 posted on Fri, 09/21/2007 - 19:05

momr&a momr&a

(Posts: 34 | Credits: )

I'd file with the BBB for all the companies. As well as your DFI and AG's office too. The more complaints the better!

Sub: #53 posted on Fri, 09/21/2007 - 20:08

goudah2424 goudah2424

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OK, thanks. I've filed with the BBB now.

Sub: #54 posted on Fri, 09/21/2007 - 20:14

momr&a momr&a

(Posts: 34 | Credits: )

Good! You are off to a good solid start! Keep posting updates for us, and any questions you may have.

The bank account is the main priority. It's got to get protected. Next time you call, I really wouldn't even mention payday loan. Just stress fraudulent and unauthorized transactions may occur because some scam companies have your account information.

Sub: #55 posted on Fri, 09/21/2007 - 20:33

goudah2424 goudah2424

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OK, gotcha - thanks!

Sub: #56 posted on Fri, 09/21/2007 - 20:45

momr&a momr&a

(Posts: 34 | Credits: )

Now that all the NSF charges have hit, my account is overdrawn about $350. I don't have that much to send in to bring it positive yet. I tried telling the bank someone was using my information without my authorization, i.e., someone had gotten my account info and was running rampant with it, but they didn't seem to care too much. They won't close while it has a negative balance, they won't waive any fees. They'll put a block on those five companies (and I do have the option of choosing "any amount," so if they got sneaky and tried to debit any old amount, that wouldn't work. It doesn't solve their name-changing shenanigans, though), which they'll charge me fees for, but not until I've paid the overdrawn amount plus pay the fees for the additional blocks.

I have filed almost all of the complaints. I'm still working on the AG complaints.

Is there anything else I can work on, any further letters to these PDLs or anything, while I'm working on getting the money to send to the bank?

Thanks!

Sub: #57 posted on Wed, 09/26/2007 - 22:18

momr&a momr&a

(Posts: 34 | Credits: )

kris, this sucks. Okay. You've sent out the "letters" to all your pdl's, right? You've filed complaints with the BBB, the FTC, and your state AG, right? If so, then it's going to be a "waiting game" now. As far as your bank, can they not do a TOTAL debit block on the account? Just blocking those names may not work. These pdl's will use another name to sneak debits through. It just worries me. I'm afraid that they're going to slide something else through and your account will continue to get deeper into the negative. Can you ask them about putting a TOTAL block on the account? There honestly is no reason that they can't. They can do this. If they say "no", can you please ask them the reason they can't do this?

Sub: #58 posted on Thu, 09/27/2007 - 04:44

cannr cannr

(Posts: 9317 | Credits: )

Yes, this definitely sucks!!

I've sent the revocation letters to all the PDLs. I've filed complaints with the BBB, FTC, and DFI and am working on the AG complaints (I have to go to the library and print out the complaint forms, then I assume print pertinent e-mails and copy paperwork, etc).

I tell ya, I'm pretty worried about my bank account getting more and more negative, too... in one conversation, the bank mentioned they would freeze the account once it got "too negative" (I'm paraphrasing there), but I have no idea at what point that is. The bank keeps saying they can't put any kind of block on it until it has a positive balance. I'll have to call them again and try again and find out why they say they can't put a total block.
Thanks!

Sub: #59 posted on Thu, 09/27/2007 - 10:59

momr&a momr&a

(Posts: 34 | Credits: )

kris, you're doing good. It's your bank that's causing the main problem here. They CAN put a block on it. I understand they can not CLOSE it because it is in the negative. Fine. However, they CAN put a block on it. I get so ticked off when these banks do not help their customers. If they were talking about putting a "freeze" on it, tell them to do that NOW. If they're waiting for it to go even further into the negative, that's just showing you that they're trying to get as much fees out of you as possible. Tell them you need a total debit block or a freeze. Be very persistant about this. Oh, it just makes me so mad.

Sub: #60 posted on Thu, 09/27/2007 - 11:06

cannr cannr

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