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Responding to illegal payday lender

Date: Sat, 04/21/2012 - 05:32

Submitted by azee36
on Sat, 04/21/2012 - 05:32

Posts: 5 Credits: [Donate]

Total Replies: 3


I am so thankful for finding this website and have been doing everything advised when dealing with illegal payday loans. I just received this email from Ameriloan: "Ameriloan regrets to inform you that our ACH debit was not honored by your bank, and was returned marked for review. As a courtesy to you, our valued customer, we are extending an opportunity to amend this oversight. Such matters are taken seriously at Ameriloan. However, we are aware that a dishonored check may be the result of a special and unavoidable circumstance, and we encourage you to quickly resolve this situation. If you have any questions or concerns, or would like to discuss payment arrangements, please contact a customer service representative at 1-800-536-8918. For any correspondence, please use the following code, EM501. Once your account has been paid in full, you may be able to take advantage of our short-term loan program again. Thank you for your prompt attention to this matter. Sincerely, Customer Service" Can I just reply to this email and send the letter (thankfully I found a sample letter on this website!!)? Thank you


I received the following email 4 times yesterday from My Next Payday Dear Mr./Mrs. Please be advised we have been unsuccessful in our attempts to reach you by telephone. Please contact our office at 1-800-220-0351 immediately upon receipt of this notice. Failure to comply could result in your account being reported to a consumer reporting agency. Sincerely, Collection/Recovery Manager [EMAIL="customercare@mynextpaycheck.com"]customercare@mynextpaycheck.com[/EMAIL] 800-220-0351 Fax 888-883-9912 I called all 9 payday loan companies on 4/19 in an attempt to set up payments. Most want excessive interest/fees in addition to what I have already paid. Red Stone and Pepper Cash were the only two who said they would accept money orders on a payment plan I could afford, PDL.Now refuses any type of payment other than direct w/d from a checking account. I am afraid to do that!!! I am trying to repay them what I borrowed even though they are not legal in Florida and according to the FL office of Fin Regulation, because this debt is illegal it is not enforceable. I feel morally obligated to pay these people back the money they loaned me, but how do I pay them back if they won't except anything other than a bank account debit or a Visa prepaid card? Thank you! Also, Beacon won't give me an email or address, they said I have to buy a money order then call them for a fax number and they will give me an address to send the money order-who ever heard of such a weird set-up? THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE


lrhall41

Submitted by azee36 on Sat, 04/21/2012 - 06:02

( Posts: 5 | Credits: )


Sorry, I am not good at posting. The bold print regarding this is an attempt to collect a debt is the bottom part of the my next payday email. I don't know how I messed up a simple copy and paste!


lrhall41

Submitted by azee36 on Sat, 04/21/2012 - 06:05

( Posts: 5 | Credits: )