omg Drowing in pdl's
Date: Wed, 11/14/2012 - 10:43
I have asked and gotten rid of 3 loans on my own-mostly just begging and being broke although its not working on the following:
Payday nation borrowed $600.00 pd $930.00
Ameriloan bottowed $600.00 pd $738.00
ezpayday borrowed $400.00 pd $360.00
Emerald marketing group LLC borrowed $300.00 pd $180.00
SDS Processing borrowed $200.00 Pd $60.00
CWB services borrowed $ 300.00 pd $90.00
G5 services borrowed $300.00 pd $215.00
Greentrust borrowed $400.00 pd $485.00
also have 500fastcash but they have settled with me for $247.00 devided into 2 payments.
My checking account is sitting at a -$1300.00 todate because they wont stop hitting my account even after i revoked all ACH withdrawals last week.
Im also dealing with Cash Call borrowed $2500.00 Paid back $4700.00 so far do i have to pay them anymore they keep calling asking for payment although they did send a response that they have noted my account as the ACH is revoked.
Please help any advice. I am now like 44 days late on car loan- 3 weeks late on mortgage and 30 days late on all utilites... im so not doing this ever again but i needed fast cash with a dieing mother in law in florida back in April... :(
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omg forgot something
Sorry i forgot to say my local bank will not work with me and i cant close account with husbands direct deposits going in. Plus i havent told him the mess we are in. He knows were in a mess and broke he just doesnt know about the pdl;'s and i really cant tell him so please dont ask me too i just want to fix this on my own.
This is a real big mess right here. Now lets analyze the situati
This is a real big mess right here. Now lets analyze the situation.
1. All your lenders are illegal
2. ACH revocations need to be sent out in doubles, one to your bank and the other to your lender. I believe you forgot about the bank's copy and the PDL idiots just kept hitting your account.
3. You should have set your account on 'Deposit Only' status to stop it from going into overdraft and that is the simple reason why your bank is refusing to close your account now.
Let us now look at what you can do to redress the situation.
1. You need to understand that when you are dealing with illegal lenders you have no legal liability of repaying them. Out of the sheer goodness of your heart, you can however choose to repay at least the principal amount albeit, on your own terms and time.
2. Write up those ACH revocation letters and send copies to the bank this time. That should stop the flurry of debits.
3. You and your husband are going to start receiving harassing phone calls, threats about jail time, arrests and criminal charges. Ignore them completely. Empty useless words. Debts are civil, not criminal. Moreover, illegal lenders will not take you to court because they cannot win.
You also need to read this and follow every step of the process:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
File complaints with the AG and the FTC against each lender.
That is correct. If paid back the original principal borrowed,
That is correct. If paid back the original principal borrowed, then no more is to be paid. In fact, if you have paid more than borrowed, demand refunds.
Omg
Well her i go again payday nation or federated fin svcs what ever the hell their name is just hit my overdrawn account again this time looks like they tried to take what the consider to be the balance i owe which if you add that to the what i already paid them its more then double. My bank is going to have a fit i just got a letter yesterday saying i need to get bank in the positive before the end of this month. Why do they continue to let things through only to return them makes no sense to me.I cant believe after almost 40 yrs of having a positive checking account i now live like this..
Sure be glad when its over..Payday nation will not answer e-mails or their phone the only time i keep hearing from them is when they send me a e-mail saying my payment was returned - duh no sht idiots!!
omg
Bank refuses they say i signed a contract and there isnt anything they can do.. what the hell is it to them . Guess this happens in a small town with a local bank. I guess im going to have to just ride this out. How many times can they hit my account after they get a payment returned? Because I have so far aquired 1721.00 in bank fees and that isnt paying any of them just nsf and return fees.. This sucks !!! If i can make it till Jan 1st i will take a withdrawal out of my 401 and just pay these people off because revoking Ach, Demanding they mark accounts in full because they are not licensed in my state, saying they are illegal, None of this matters to them I can really understand why some people who get into this mess end of saying the hell with life and end it.. This really sucks and no one here in NH seems to want to help because i knew what i was getting into when i took the money......Thanks for listening Cashcall is calling - like im going to answer the jerks..:confused::confused::confused:
They are breaking the law. ACH revocation is REG E of the FDIC.
They are breaking the law. ACH revocation is REG E of the FDIC. Not sure who you need to contact. A more knowledgeable member will give you the answer. Hang in there!
I am going to recommend that you register with the site also, it
I am going to recommend that you register with the site also, it will help sort you out from the unregistered guest just visiting. Remember that we are all here to help and you will get through this - it will not be easy, but you will!!
You need to stop your husbands direct deposit from hitting into that account - you have already stated it is over drawn because they have repeatedly hit it for payments. So any money he is making now that goes into that account will be eaten up. So if you stop the direct deposit at least you will have some money to start. I would open an account some where else, so that it can't be linked to the first account in any way, since they have been unhelpful so far.
You need to tell your bank that you had fraud on your account and that you are revoking all ACH authorizations. They can place your account on deposit only. They have to allow this, they don't have a choice. Who are you banking with? Don't talk to just a teller - you need a branch manager to get involved. I am sure that when SoapLady comes on she may have some more advise.
And as for not telling your husband, well there comes a day when you have to put on the big girl pants and fess up to what is going on. You must get his money stopped from going into the account that they have the information on.. And he is the one that will have to do that if it is is pay check .
Follow the link in my signature by Ohiogal1 - How to deal with i
Follow the link in my signature by Ohiogal1 - How to deal with illegal lenders, you have to follow all of the steps on all of the lenders!!
Contact the OCC, the Fed, and especially the CFPB about your ban
Contact the OCC, the Fed, and especially the CFPB about your bank not obeying your ACH revocation.
forgot to say
I payed the 250 and another company called me two months later saying i need to pay 287 are 100 by the 31
pdl sds processing
Hi i just did some research on sds processing. They called me and said i got a loan for 260 and interest made it 5 something. They said if i pay 250 they will settle i payed it and got a call from another company say i defaulted and need to pay 287 i told them my issue and problems they said they will close it if i pay 100 dollars by jan 3. I did some digging and found out that online pdl online are illegal in kentucky since jan 1,2010. What should i do to get them off my back? Thanks