PDL Forum gave me incorrect info. which gave me such hope
Date: Wed, 09/01/2010 - 08:49
First Bank of Delaware
elastic
PayDay1One
Contrary to what I was told. They will not offer an extended payment plan, lower Interest, etc.
The ONLY option all 3 offered was allowing me to extend the payment due date by a few days, starting next month. If your only monthly income comes in on the first, that is no help at all. Unless you happened to win the Lottery by the payment extension date. (Not a joke) I got my hopes up so high. Now I'm back to square one. Today I had $517.83 deducted from $674.00. I have no way out of this.
FBD is probably an installment loan. As for the other 2, I am n
FBD is probably an installment loan. As for the other 2, I am not sure if they carry a license in any state. Before you give up hope, lets get the information about each loan and the state where you live.
PayDayOne is a CSO and does offer an EPP. You must ask for it be
PayDayOne is a CSO and does offer an EPP. You must ask for it before you default, however.
FBD is an installment loan and, from what I hear, difficult to deal with. Elastic is also and installment loan through Uban Trust Bank, so - same boat.
I believe the advice you were given was to ask for an EPP. PDO should give it to you if you haven't already defaulted, and sometimes they'll give it to you even if you have. FBD is under no obligation to give you an reduced payment or interest rate but, again, I think the advice you were given was along the lines of "it never hurts to ask." (if you're who I think you are)
Quote:Originally Posted by OhioGal1PayDayOne is a CSO and does o
Quote:
Originally Posted by OhioGal1 PayDayOne is a CSO and does offer an EPP. You must ask for it before you default, however. FBD is an installment loan and, from what I hear, difficult to deal with. Elastic is also and installment loan through Uban Trust Bank, so - same boat. I believe the advice you were given was to ask for an EPP. PDO should give it to you if you haven't already defaulted, and sometimes they'll give it to you even if you have. FBD is under no obligation to give you an reduced payment or interest rate but, again, I think the advice you were given was along the lines of "it never hurts to ask." (if you're who I think you are) |
I don't know who you think you are but I have never spoke to you. Also, I'm not sure how this site works? Do you get points?
I have not defaulted on any of these. I did not mention defaulting. And it's PayDay1One, not PayDayOne. They are different.
I am aware that FBD and elastic are Banks. They ALL said the same thing I put in my Post. The only thing they will do.....for instance....my payment is due on the 1st. They said they would extend the due date by a few days which is no help at all.
And all you have to do is read through several posts and you wil
And all you have to do is read through several posts and you will find people with loans from the same companies as mine being told the same information I was.
Quote:Originally Posted by OhioGal1PayDayOne is a CSO and does o
Quote:
Originally Posted by OhioGal1 PayDayOne is a CSO and does offer an EPP. You must ask for it before you default, however. FBD is an installment loan and, from what I hear, difficult to deal with. Elastic is also and installment loan through Uban Trust Bank, so - same boat. I believe the advice you were given was to ask for an EPP. PDO should give it to you if you haven't already defaulted, and sometimes they'll give it to you even if you have. FBD is under no obligation to give you an reduced payment or interest rate but, again, I think the advice you were given was along the lines of "it never hurts to ask." (if you're who I think you are) |
I was wrong....PDO AND PD1O are the same. BUT OMG you are the one who told me PDO offers an EPP. I may be in debt, and foolish because I let them suck me in. But I know how to place a call and tell them my story and may I get and EPP only to be told NO! Only a EPDATE....and only a few days past my usual due date. When I told them that was no help at all. I was not going to suddenly have more money a few days after the first. They said they were sorry but that is the only thing they could offer me. They were very polite.
Hence....wrong info! Hopes up for nothing on at least one of my loans.
I'm sorry you had to deal with someone who wasn't cooperative.
I'm sorry you had to deal with someone who wasn't cooperative. PDO will, however, offer an extended payment plan. Numerous people (including me) have been able to get one.
Secondly, I believe I said "if you're who I think you are." Since you're not registered, it's difficult to discern who people are because they all show up as "unregistered" and many ask the same questions over and over again. I guess you weren't who I thought you were. Easy mistake, hence the disclaimer.
Thirdly, I don't appreciate the attitude directed at me or the other forum members who HAVE indeed given CORRECT information. I know you're in a predicament. I've been there as have many others. It sucks. But you were given good information.
With all due respect, sounds like both of you need to settle dow
With all due respect, sounds like both of you need to settle down a bit...
To the OP, my advice would be to do some research and find a way to get past the frontline agents that answer when you call in. They are "programed" to hold thier ground and hear all sorts of stories. This is not going to be easy, but the higher up the "food chain" you get, the better your odds of getting some assistance. Also, if you can add the thread title and/or address, it would help!
To OhioGal, it seems that you are assuming that you know what the OP was told, but do not know for sure. You and I both know that there are a few on here that like to spew advice that is not altogether correct. Unless you know positively that the OP was given correct info, lets back off and try to help.
I wasn't assuming I know what the OP was told, I was going by wh
I wasn't assuming I know what the OP was told, I was going by what s/he said s/he was told. I know that PDO is a CSO and I know they offer an EPP; I've used it.
You're right though. We're here to help, not argue. I just got frustrated and responded to the attack. Probably should've taken a breath first :)
Yes Gal settle down! Thats better! Were these legal loans! Is cl
Yes Gal settle down! Thats better! Were these legal loans! Is closing the checking account an option? I missed the first advice I think?
We really need to the original thread. I am thinking that there
We really need to the original thread. I am thinking that there is more info there that can assist, but I am not going digging for it.
My take was that the OP has 3 loans, 2 installment (Elastic and
My take was that the OP has 3 loans, 2 installment (Elastic and FBD) and 1 CSO (PDO), all legal - and was given the advice to ask for an EPP from PDO and try to work out a lower interest rate, lower payment rate or EPP with the other 2 as well.
I think there are too many threads with unregistered folks and the same loan companies to do an efficient search, PDL.
I think the OP is the same poster who posts under the name of 'C
I think the OP is the same poster who posts under the name of 'Come Undone'. Are you? Please clarify so that we can look into it. More over, we here are making a hue and cry over a small matter. The OP should simply try to talk someone up the ladder in all the 3 companies.
[QUOTE=OhioGal1;743685]My take was that the OP has 3 loans, 2 in
[QUOTE=OhioGal1;743685]My take was that the OP has 3 loans, 2 installment (Elastic and FBD) and 1 CSO (PDO), all legal - and was given the advice to ask for an EPP from PDO and try to work out a lower interest rate, lower payment rate or EPP with the other 2 as well.
I think there are too many threads with unregistered folks and the same loan companies to do an efficient search, PDL.[/QUOTE]
That is exactly why I asked for them to find the thread and I was not going to waste my time looking!:D