pay day loan hell in tennessee

this is what you should have been told in the first place.

??? I didnt see where he had a problem with his bank at all, unless I missed something? :?

Volley I think this is what she is refering to:

Wachovia said they cant close my account while i have agreed ach debit fourthcoming

Bottom line is they Are working with Steve and that is what matters. Yay Wachovia!!!!

while i have agreed ach debit fourthcoming

Slow day for me...I am sorry but what does that mean? That the account cannot be close if debits are scheduled?

Yes, this was what I responded to a couple of early times on in this thread about the bank. I went back and it took me reading it over several times to get the jist of what gave me the impression that they would not close the account? I had to explain to my bank that these fees were being made, for the most part by illegal companies, not even licensed to lend anywhere, who charged rates above the state law and that I had not known this until I sought the *counseling* of this site. She agreed with me.

well they (wachovia) took care of me and once again thanks for all of help the teller at the bank told me when i called to make an appoinment with the branch managfer told me that about the close of the account but she was wrong or didnt know

Steve that is great!!! :D

does anyone know if this is the correct adress for eastside
EASTSIDE LENDERS
2711 CENTERVIEW DR SUITE 120-5900
WILLMINGTON DELAWARE 19808

This is the information I have from them when they responded to my AG:

EastSideLenders
2711 Centerville Rd. Suite 120-5900
Wilmington, DE 19808
Tony Finazzo, Manager

THATS WHAT I HAVE THANKYOU

ok just finished filing complaints with the ag online

should i put an ach block on my new account i have opened one with a diffrent bank ?

guest, are you "guest" or are you "steve"? Just trying to see who's posting to give the right answer to!

Quote:

yes this is steve it wouldnt let mew log in im waiting for them to send me a new pasword to my email and i swicthed banks didnt stay with wachovia this was done because i had a friend of mine who is a paralegal look at the letter templete that i got from here and she suggested that i chance banks she said these guys at pdl companines are sneaky so she said to do it just to be safe

Thats fine. Many of us did change banks.

first off this is steve im having problems logging

well got a call from national payday yesterday they questioned why my account was closed i told them a certified letter was on the way explaing everything and also told them i still owe them 90 dollars and im want to pay it but im willing to pay it via usps money so i have a way to track payment and this is the way i was advised to pay by legal counsel, she then asked what the letter said so i read it to her (got a copy saved on my cell phone) she appoligized said it was an oversite by the person that approved my loans that they should not have made the loan to me and that upon receipt of my letter and review by their legal department i will receive a letter on how to make payment for the final 90 of my loan.
also got calls from eastside lenders they refused to give me their license number they told me they were licensed in del. but i cannot find any record of it then they told me my local law enforcement will be notified and i will be arrested at my job or at church.
amriloan also called but i was busy at work so i couldnt answer they left a very nasty message saying
" if you do not contact ameriloan with in 48 hours a warrent will be issued for you arrest for check fraud. all we did was help you in you time of need and this is how you repay us contact mark at 1866....... have a nice day and drive safely" the message was a little scary so i have a regular customer where iwork that is a police officer and he said it was all bs but he would constitute the message as a threat . i checked the usps tracking site and 3 of the six compinies have received their letters thanks to you guys i know my rights and my states laws i can deal with the annoying phone calls and learned my company does not honor wage assiment not issued by through a court judgement sorry for the long post but yeaterday was very intweresting id figure id give all of the people that helped me a update

Don't worry about their empty threats. That's all they are, empty threats. They can't act on them. They can't have you arrested. They can't do crap to you.

this is steve
just got a very annoying message from onestep cash saying " mr XXXXX what you did is fraud our legal deparment is already taking steps to repo your automobile and issue a warent for you arrest. you should be wary of things you read on the internet we beleave the site you received this info from is a scam by a debt consolidation company they tell you to follow these instruction so that you get your self into so much trouble you have no choice to use their service which cannot help you because you signed a contract. please contact us within 24 hours to stop any further action."
i know none of this is true but i cant beleave how ruthless these people are but what i am curious about is how did they know i got help and info from the internet

A lot of payday loan companies know of this site, and watch it.

That's a pretty funny one . . . . I can tell you I've never been "sold" anything from this site. You can even register without giving any information! So how is it that they trap you into using their service?

it's easy steve,they know this forum and more like it are helping people like us.i would send a letter back calling there bluff.i really crack up at stories like this.they must be really desperate to call this forum out.you are doing great steve,keep at them knowing as goudah said they can't do squat to you.

steve here
u are are a god send i now know the law so i can fight back

steve, I can't believe how many of your pdls are feeding you such b.s. Just amazing! These people aren't even licensed to lend and they are threatening you with arrest, car repo, etc. Unbelievable! As far as Eastside Lenders goes, PLEASE!! They keep insisting they are licensed in Delaware. Okay, maybe in their dream land. And to threaten you like that? I haven't run across them doing that before; however, maybe they've changed their tactics. Steve, just as long as you know that this is all b.s., you're fine. Do not believe all this stuff, like goudah and everyone has said. I can't believe these people. :x

this is steve
thanks guys for giving me the knowledge to end this nightmare

this is steve btw geneva roth refused to sign for my certified letter

Why doesn't that surprise me??? :evil:

this is steve
i have filed with the bbb the tenn. ag and office of financial instutions what do i do if they refuse my letters ?

this is steve
ok just got a nasty call from ameriloan saying that the tennessee ag was wrong they are licensed but she refused to tell me in which state and the license number i told her i have overpaid by over 500 dollars and was entitled a refund and was laughed at and was told be sure i have all my paper work ready when the police come to get me and i have a outstanding balance of 534 dollars . we will get our money one way or another

MTE cracks me up,check your state laws about recording calls.get them to say that on tape if possible.they are not licensed anywhere.you know that so they try to talk real big.stick with it they will fold,they always do.

steve, the government agencies aren't going to refuse your letters. Is that what you mean? They are going to take your complaints and contact these companies on your behalf. They are working with you. As far as ameriloan is concerned, paul has it right on. They are NOT licensed. And their illegal threats just goes to show you that they are certainly NOT a legit business. No, they are not licensed. No, the police are not going to come for you. As a matter of fact, I'm waiting for the day the police go knocking on THEIR door! :twisted:

no i didnt mean the goverment agencies it was geneva roth capital that refused to sign for my certified what do if they refuse to sign for them

Oh, okay! Just make sure you keep records that you sent it and it was refused. You can include that fact in your complaints filed. I had many letters come back to me that I had sent to pdls stating "moved/left no address/no such address", etc. I made sure I included that in my complaints. It shows you that they are obviously trying to dodge you!

Also, as I'm thinking here, did you email/fax the letter to Geneva Roth? If not, do it. If you have an email or fax or both for them, send it to them that way. If you email it, put a "read receipt" request on the email so you'll know that they read it. If you fax it, make sure to print out the confirmation page showing that it went through.

thanks cannr will do

this is steve
ok eamiled letter and requested read confirmation that was lat week havenot gotten any response but got a few calls this mprning one was from eastside lenders and was from sonya and aftewr being hung up on i hooked up the recoredr i got from radio shack and informed her the call was being recorded and she tranfered me to her supervisor and i informed her i had sent several certified letter and two of them were returned as refused signature. and then preceded to read her the letter and informed her the call was being recorded and she then hung up on me . so i called back and spoke to sonya again and told her the conversation was being recorded i read her the letter i had sent making sure to point out the sections regarding telephone communication wage assiment revokation ,sonya then precede to tell me while being recorded. "that she was so sorry the the tenn. ag's office has misinformed me that they have a signed contract and that tenn. law does not matter and legal action will be taken and that my next payment will still go through on the 4th of april " i informed her again about the contents of the letter regaurding phone contat to me or my employer or my refernces . sonya then said " ohh you mean the letters we never signed for and never recieved " and i told her yes the one i just read to you while the conversation was being recorded and while reading i made sure to inform her the call was being recorded the date and time of the recording sonya then said "ohh...."
then hung up on me .
also got a call from the fraud dept. from paycheck today i was in shower couldnt make it to phone they left a message.
so i tried to call back got a voice mail for the person ms.benny fawson
i left a message (i also recorded this call)
saying i have sent 2 certified letter and 6 email that contained the letters and the confirmation numbers i read the letter in whole and explained that i was recording this call. i called back 6 times to make sure that ms. fawson received the message she answers then puts me on hold then hangs up what should i do reguarding this situation.

Oh, steve. Let the games begin! I can't begin to tell you the games I had (and others) with Eastside Lenders. Holy crap! They are a joke. They can stick it. They keep hanging up on you. Nice. LOVE, LOVE, LOVE that you are recording all of this. Awesome move! Now Eastside will be a thorn in your side for awhile. They have a hard time giving up. They will argue with your state AG. (God love them). They will eventually turn you over to "collections" that goes by a different name; however, it is still "them". They will insist until they die that your laws don't apply to them. Blah, blah, blah. Keep emailing the crap out of them. They sooooo love that. And, be sure to ask them exactly what name they are operating under legally and to provide you with their license number showing they are legal to lend to you. They sooo love that, too! As far as your "fraud department" call from PaycheckToday, all I can do is laugh! "Fraud department". My God. All my MTE d/b/a's turned me over to their "fraud department". Fraud department? These guys aren't legal to lend in any state in the US. Hello! Tell them to go for it. Send you to the "fraud department". Tell them you would be interested in seeing who is committing "fraud"!

this is steve
ok here is a letter i got from one step cash

OneStep Cash is in receipt of the form letter you filled out. In an effort to come to some kind of settlement to the terms and conditions you agreed upon when you first took out the loan in January, we are willing to waive all remaining fees going forward and only request that the original principal borrowed of $300. We can break this payment into three easy payments to help spread it out over your next three pay periods if you would like.

Since we are licensed in a state that allows us to charge the rate we charge and we do not have a physical location in the state of Tennessee, this transaction has not taken place in your state. Therefore, the full amount is still owed and the email that you sent to OneStep Cash can be construed as a form of extortion.

???????Extortion, outwresting, or exaction is a criminal offense, which occurs when a person either unlawfully obtains money, property or services from a person, entity, or institution through coercion or intimidation or threatens a person, entity, or institution with physical or reputational harm unless he is paid money or property???????.

Hopefully, we will hear from your shortly with a remedy that is acceptable to both OneStep Cash and yourself. We are sorry for the confusion and hope we can come to an amenable solution.

Gee...that sounds like crap to me Steve. Esp. when what these companies do is nothing less than that. Extortion.

ONE STEP CASH IS LICENSED?AM I MISSING SOMETHING? :shock: :shock:

this is steve
hey egypt i hope this are going better for you my families prayers are with you.

here is a letter i sent to mr. miller (if thats his real name)

Mr. miller please provide me with your companies license information including state, name licensed under, and license number. based on information obtained from the BBB and the Tennessee state attorneys generals office your company is not licensed in any state. if and only when this information is received and verified by the Tennessee state attorneys generals office and the BBB. will we consider a settlement. but according to the BBB and the Tennessee office of the attorney general I am entitled a refund. I am willing to waive this refund as long as my account is marked paid in full. According to the laws of the state of Tennessee i have more than paid what i am legally obligated to pay and am entitled a refund for overpayment i have also included the law of the state of Tennessee. I am requesting a read confirmation of this email this confirmation can be sent to [email]xxxxxxxxx@gmail.com[/email]

Tennessee State Information

Legal Status: Legal

Citation:
Tenn. Code Ann. ????45-17-101 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: the lesser of 15% of the check or $30
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: 3 (2 per licensee)
Rollovers Permitted: None (cannot renew or otherwise consolidate)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $30 NSF Fee; Court Costs
Criminal Action: Prohibited

Besides...One Step is not licensed. I would ask again for their licensing in any state?

this is steve hey egypt check the letter i sent him on page six of this post

Good for you...unfortunately I posted a couple of times while/when you posted this letter?
Thanks for the Prayers...I will say that in reverse and send some to your family!
I am by no means up to speed on any of this, but I figure I can at least offr an *atta boy* or encouragement when possible.

This is from the BBB website:

One Step Cash
150 S. Highway 160 Ste. C8 #526
Pahrump, NV 89048
Type of Entity: Sole Proprietorship
Phone Number: (866) 431-2274

As of 2/19/2008, the Bureau has been UNABLE to confirm this company has a valid local business license for the locale in which they operate. IF A CONSUMER DOES BUSINESS WITH AN UNLICENSED FIRM, THEY DO SO AT THEIR OWN RISK.

I checked Nevada's licensee database, nothing comes up for them. Please ask them for their license number, the name they are using to operate legally, and what state they are licensed in. Good Lord Almighty. These guys are jokers.

this is steve
as far as the reasearch i have done they are not licensed any where and just to make sure i have this right since they are not licensed anywhere the cannot lend in tennessee therefore the loan is illegal and i am only responsible for the principal for which i have more than paid

this is steve
cannr there is a copy of the letter i sent mr. miller in response to his email on page six of this post

Steve I hate to tell you these but you are not going to get any help from Geneva Roth, they are crooks. how much have you paid them? they alway renewe the loan if you don't contact them and then they debit your account double the fee.!

i have closed my account my account and geneva roth did contact me after i sent them a copy of the certified letter they refused via email the said they will honor my c and d letter they said they will honor it untill the matter is sent to their fraud dept and legal action is taken
i know this is bs beacuse they are not licensed anywhere. i have explained everything to my boss and he know what to do if people call hang up right away.
my payroll deptment informed that they do not honor any wage garnaishment not issued through the court in the state of which i reside. the calls are annoying but i can handle it.
this is the first month in a very long time i was able to pay my bills on time and have a full fridge now my family wont have to suffer due to my mistakes ill get through this and i know it will take time

and as far as for what i borrowed from them 300 and have paid 360

Steve I can not tell you how it chokes me up to hear you paid your bills on time and have food on the table...if the truth be known tht is probably why most of us got into this mess...to pay our bills on time and feed our family. Isn't it a sad state of affairs? Like going to the Dr. to get well and catching something worse while you are there?