finding Starlight FS and ACH loans

wow, these are two I've never heard of, seems like there are new ones every day!
I'm sure someone will be along who would know..Are these companies debiting you account? If they are, you can ask your bank, they would have contact info for them.

katie, are they debiting your account? because they usually attach a 800 number to the debit.

I found this on someone else's thread:

Star Light Financial
Payment Office
1306 W. Craid Rd Suite E-384
North Las Vegas, NV 89036

I got the phone # from ACH Loan,but no return call and obviously not a call center, like a guy with an answering machine...Starlight, I have the fax from the bank, but no phone #. I need to send revocation letters.

I found this too:

Starlight Financial in Albuuquerque NM Phone 505-266-5406. This was last contact info my Ag had for them. The went down in WV no longer allowed to do business here.

I checked with the BBB for an address for ACH loans..I didn't find anything. I will keep looking.

What is the full name of ACH Loans? were they doing business under another name prior to this one? I tried to google the name but so many things come up because ACH is a generic word.

whats the phone number you have for ACH loans?

yes, I had that number and it has been disconnected. I do have a fax and guess I will have to fax the reocation.

ACH is achloan.com and the number I have is 877-224-7371

I found them at achloan.com
If you have paid the full amount of the original loan, how obligated are you?

katie, what state are you in?

nevada

nevada

let me see if i can find the laws in your state

You will find the Payday loan laws for Nevada here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

so does that mean if you go into default they can charge whatever kind of finance charge they choose to?

Thank you so much for your help?

actually to me it says they can only charge the prime rate plus 10% of the largest bank in Nevada. So if that bank's prime rate is 8% right now, then the lender cant charge no more than 18% interest to you which is a hell of alot cheaper than the initial interest rate that they have been charging you. If you look at the paperwork they sent you when you first got the loan, their rate was most likely over 300%. And according to Nevada law, they cant prosecute you criminally unless they can prove you committed fraud intentionally.

Yes, I was reading the finance charge section which must mean no limit on the original loan.

Rollovers Permitted: Not Specified (Lenders cannot extend payment period beyond 60 days after expiration of initial loan period)

So after 60 days, the original loan amount cannot be rolled over, right????

How long have you had your loans?

Some well over 60, some not. My biggest concern really is the bank. Hoping I can close the account and not have one of these pdl companies force it open. I head to the bank tomorrow. Then I am mailing all of my revocation letters and my order to stop ACH debits, giving them enough time to hopefully set up payment arrangements with me directly. I am not concerned about the calls, I know what they can and cannot do.

Look what I found:

Quote:

make sure you revoke any authorization for wage assignments that you may have signed.

That is great, unfortunately at least 1/2 of mine are licensed in NV.

Yes, I did them both for ACH revocation and wage assignments.

well only deal with the licensed ones for now.

good. sounds like you got that covered. now hopefully you can get things straightened out at the bank tomorrow. Let us know how it went. Ok?

Thanks so much...without this forum, I would never have even know doing this was an option. How I managed to ever get into this mess is frightening.

i feel the same way. i found this forum one day looking for a consolidation loan to pay off the PDL's and the people here are actually helping me get through this without putting myself in more debt! Hang in there katie, it will all be over soon enough.

Were you ever able to negotiate with any of these goons to make payments (mail them in) in your own time frame?

well thats what im going through now. i just put the block on my account on friday, and this one pdl has been trying to debit it but it keeps getting rejected. i called them today to find out why they are trying to take payments when they arent even due, and the lady told me that im not even in her database! that really had me fuming. how can they take money from my account when i dont even exist in their systems. it turns out that they so called merged with a pdl that i got a loan through. anyway, my phone calls are just beginning and I will let you know how i make out. keep your head up. there is alot of support and encouragement from everyone on here. they have been a great amount of help. im sure if you read through some of the other threads you will find lots of people who have succeeded at what we are just getting started with.

Well that is good that the bank keeps rejecting them. I have been with BofA for over 20 years and I hope they will work with me. Good luck to you as well. I guess 1 good thing is that most of them don't report to the credit bureaus. What about storefronts in your state...are they likely to waive some of the interest, if you are making on time payments?

all my PDL's are through the internet. I used to bank with BOA and they were horrible. I wouldnt recommend them to anyone. Long before I got into this PDL mess, someone was stole my debit card info and was making purchases overseas. I reported it to BOA and signed all the proper paperwork and they assured me that everything would be taken care of and I wouldnt have NSF fees. Well they lied. They continued to charge NSF fees and overdrawn fees to the point where I couldnt pay to bring it current. They closed the account and reported me to chexsystems I think.

I went to the bank today and I still have 1 debit in "pending status"...they told me to come back tomorrow and they will close it and also a freeze/hold, so that I will not be charged any NSF fees, etc...so we shall see

Tell me how to get ahold of them can't seem to find them.
Terry

i see that you posted a phone number for them, but do you have a fax number for ACH??

all the info i have on them is the website, achloan.com

they have been refusing my payments all they will take is new account info, which I am not giving them, so keep me posted about this company Katie. Im in Wash DC

I am also in Nevada. I desperately need to contact ACH Loan. I had a loan out with them and tried to pay them via money order. They refused payment. I closed my checking accounting because of excess fees they were charging. Now they are demanding that I open a new checking account and allow them access to my account. Does anyone know of a way to contact them without getting that stupid recording? They tell me to go on the website but I can't access with my username and password. When they finally called me they were laughing at me and maiing demands to access my money.