What has been the typical response from PDL AFTER filing complaints?

It really depends on how persistent you are, you really need to push them for a refund/PIF, and follow through with all complaints. One of our members sent a copy of the compliants to the illegal lenders.

I don't think this Tim McFeeters at Payday-Loan-Yes would even care that I've filed a complaint against him! He so thinks he is in the right, and whenever I've said I was going to file a complaint or consult an attorney, he says "Do it - have them call me". And then I get the "Good luck." I'd love to get my hands around his neck!!! I would hire a lawyer and sue all these PDL that don't issue me a refund IF I could afford it!

He's probably in a boiler room somewhere, in all honesty. It's just another example of the type on uneducated people these illegal lenders hire.

I started the whole process about a month ago via email. I got one refund (signmyloan.net) and the others still tell me I owe (247 greenstreet, United Cash Loans, and one other). I have filed with the BBB, the companies have not responded. I've also filed with my AG.
I'm wondering what else I need to do to try and get my refunds and/or a PIF???

Tell them you are going to spatter their name all over the Internet.

Wonder what the time limit is for requesting a refund? I had a loan with signmyloan.net, too, and since they did give you a refund, I'm wondering if I could go back and get one from them, too. My account was paid off with them sometime middle of last year....

You can always try.

How illegal are these people? Are they "shady company in Chicago" illegal or are they "1/32 'indian' white guy operating on a reservation" illegal? Either way, I'd suggest the following:

1-Close your account and set up a new one

2-send each of them a certified LETTER. Saying they may no longer debit any accounts owned by you. Save this letter. If they attempt to debit after but before your account is closed, present it to your bank/credit union and ask for an "unauthorized electronic debit form" (yes, they have one). Staple your copy to the form. The bank is required to reverse the charged amount (and they'll give the pigs a fee which they very much so deserve).

3-if they call you and that starts bothering you, block their number. Tell them you're doing this in a letter. Demand a copy of the contract and include something along the lines of "any legitimate company would gladly send a copy of the document establishing a right to collect".

Protip: if they debit your account after revocation, debit your account in strange amounts (to avoid a dollar amount debit hold your bank puts into place) or debits numerous times in the same amount, they are more likely than not in violation of the EFTA and now owe you up to$1,000. Take them to small claims court yourself. It's a Judge Wopner situation, not a Supreme Court case.

While suing a company that is most likely out of your state/country sounds good, and you may just get a judgement...good luck collecting. heh

I actually got a letter back from my AG about one company. It had a letter from the company's lawyer stating they were reviewing the case. Funny thing is, I did get a PIF from them like a week after I filed the AG letter. So I mailed the AG a letter saying they closed the account. I have now two official PIF's, one unofficial(I think Sure Advance and GECC are the same people, and Sure Advance PIF'd me...GECC just isn't calling anymore, and neither is the 3rd party collector). United Cash, Ameriloan, and Nationwide Cash seemed like they were gonna put up a fight, but I haven't heard from them in a couple of weeks. The rest...not a peep. ALL got AG complaints on them. We shall see.