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I want to settle with overpaid PDLs. Closed Bank Account!!

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Hello All,

I have 11 payday loans, and I just closed my bank account. I am in state of VA and they are all internet based. I am paying rollover fees and have overpaid at least 5 of these loans already. Can anyone help.

I was looking into going with PDL Assistance settlement company. Are they any good?? Been doing research and have not found much on them. Spoke with them and they seem real "Anti-Payday loan". So what do you suggest?

Got myself into a mess with 11 loans. Afraid they are too much for me to try and settle with myself. Any help wpuld be appreciated. :roll:




It's me above-GUEST-
If the payday lenders are licensed, but not my state. Do my State Laws superceed there contract?

Also if they are not licensed at all, am I obligated to repay them back? I have filled BBB complaints on 6 of them already.

Sub: #21 posted on Wed, 05/14/2008 - 10:03

Unregistered


It's me above-GUEST-
If the payday lenders are licensed, but not my state. Do my State Laws superceed there contract?

Also if they are not licensed at all, am I obligated to repay them back? I have filled BBB complaints on 6 of them already.

Sub: #22 posted on Wed, 05/14/2008 - 10:03

Unregistered


Sonic Cash is tough.... I paid them $300 of the $500 I borrowed and they want $540 and no less...told them to pound some sand and $200 is what I will pay....havent heard from them in weeks...

Cash Transfer Centers is TOUGH...they are in Canada and ILLEGAL... offer to pay back what you borrowed and thats it... bet they agree...

I just got a statement from my closed bank account that the PDLS tried to debit my account weeks after I revoked them and sent certified letters... they tried to debit $2200 .... all denied of course.... they should be calling again this week

Sub: #23 posted on Wed, 05/14/2008 - 11:26

Unregistered


-GUEST- ***UPDATE***MTE Financial replied to my BBB complaint saying that they are going to try and reach a fair settlement with me. I sent a rebuttal to BBB saying they left a voicmail. There was no settlment reached between me and MTE..lol. They are cluless over there. When I called a Nikki back in their customer service she said I needed to contact a Sabrina in another dept, then that lady told me my file was sent to compliance dept for review. She said it was not in collections though. I said ok so how will I be notified, she said by email. I have yet to be notified. So I am not holding my breath. I think I will be be seeing a "PIF" very soon! :lol:

Sub: #24 posted on Fri, 05/16/2008 - 07:46

Unregistered


-GUEST_oh ya the voicmail said that they were not going to be debiting my account anymore and that they were willing to set up arrangments with me. I was thinking arrangements. I paid $360.00 towards a $300.00 loan. So I put the pressure on em with the BBB. How much more money these guys wanna screw me out of Geez!

Sub: #25 posted on Fri, 05/16/2008 - 07:49

Unregistered


havent heard back from MTE yet on mine...it i had quickest -cash - advance...i have paid over $700 on a $300 loan. i sent them a letter revoking debits...but the are not scheduled to debit my checking account until next friday..so i guess i will wait and see.

Sub: #26 posted on Fri, 05/16/2008 - 07:55

toledoguy030 toledoguy030

(Posts: 120 | Credits: )

***UPDATE***
OK
USFASTCASH-Credited me $180 and settled for only principle owed after reported to BBB.

CTC-settled for split payments of principle owed.

SONIC-settled for split payments of principle owed no fees.

MTE,365fastcash,PDM,AIP,3Bpayday Loan- Since I filed BBB & AG repots have not heard anything.

PayDayMax closed my accounts and got scared, as did MTE and 3B. So I think I will get a PIF soon! AIP and 365fastcash are a joke and illegal and all 5 are way overpaid anywayz! I think I can force them to a PIF.

So I didnt higher a company for my 11 loans I am doing it myself and doig well so far thanks to this forum. It is crazy but getting help from this web site! Thanks all!

Sub: #27 posted on Thu, 05/22/2008 - 06:59

Cool_Abyss Cool_Abyss
Moderators
(Posts: 2936 | Credits: )

Little Loan Shoppe emails me saying if this:

[color=Olive][size=2]Dear This letter is to advise you that your mail in payment has not been received. This means your account is currently in default and subject to debt collection activity. We have many resources and repayment options available for your convenience. We would like the opportunity to assist you in resolving this issue as soon as possible. Please contact our office immediately to avoid further collection activity and costly penalties on your account. You may contact us by: e-mail at [email]resolution@littleloanshopp e.com[/email] Phone at 1-866-223-7549, Fax at 1-800-230-0428 Sincerely, Nicole Customer resolutions Little Loan Shoppe [/size][/color]


I replied with the same letter I emailed the customer care department stating my overpayment and state laws. I also stated I will be in contact with BBB so they can communicate with them about this matter. Is this another scare tactic? Also they called me today out of the blue on my cell. I am not worried because I overpaid them by $195 on a $300 principal loan. Total paid to them is $550 so far and they want $180 more. I said no way I want a "PIF"

Sub: #28 posted on Thu, 05/22/2008 - 12:59

Cool_Abyss Cool_Abyss
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(Posts: 2936 | Credits: )

Nice to see you back cannr! I guess there is no rhyme or reason to why or how they do what they do. I had no problem with ameriloan or UsFastCash. After I complained to the BBB, Ameriloan settled almost immediately. UsFastCash, gave me a PIF, with $30 remaining, after I contacted Intercept and they called them. MYCashNow gave me a PIF immediately after I sent my C and D letter to CPD and a PIF on PayDayMax for the balance remaining on the principal only. Star Advance just gave me a PIF just for my aggravation after I got to their Administrator. Seems like others go through hell with these people. It was like someone waved a magic wand and they were gone. Perhaps it was the "PDLs are prohibited in New York State" flag I was flashing in front of their beady little eyes. I say, never give up trying. They are so unpredictable in this respect it isn't even funny. You never know what you will get from day to day.

Sub: #29 posted on Thu, 05/22/2008 - 15:23

llw1995 llw1995

(Posts: 1422 | Credits: )

So should am I doing the righ thing buy sticking to my guns on these overpaid PDLs.

365fastcash: $200 paid 148
mte financial(quickest cash advance): $300 paid 270
World wide cash: $200 paid 534
Cash Relief Unlimited: $200 paid 534
3B payday loans: $300 paid 465
Litte Loan Shoppe: $300 paid 540
Pay Day Max: $420 paid 570

I am in VA.

Sub: #30 posted on Fri, 05/23/2008 - 11:41

Cool_Abyss Cool_Abyss
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(Posts: 2936 | Credits: )

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