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Wisconsin Resident Payday Help/Review Please

Date: Tue, 10/30/2012 - 12:18
Submitted by carlamor on Tue, 10/30/2012 - 12:18
Posts: 3
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I have my bank account frozen. They will close my account at the same time I bring it to a 0 balance instead of negative which it is. They will reopen the account under a new number. I am going to pay via money order which is what my Bank said to do going forward. I stopped my direct deposit so I can manage what I have better.

Sent Illegal Letters (form letter found on these forums to:


  • Plain Green Lending Borrowed $1000 paid $900 offered to pay remaining principal

  • Green Plains Lending Borrowed $800 Overpaid by $335.68 asked for PIF and Refund
  • Advance Me Today Borrowed $500 Paid $300 Sent letter stating Illegial I would finish paying principal of $200
  • Once Click Cash Borrowed $400 Paid $240 offered to pay Principal left of $160
  • American Web Loan Borrowed $500 Paid $650 Overpayment of $150. They closed my online account. Sent me auto generated email then called today stating their Treaty and US Virgin Thing and wanted to settle for $500 as it cannot be broken down into payments. I told them I would only respond/communicate via email. He then emailed me to pay them $500.

I still have open and have not sent letters yet but need to know who I should send them to:



  • Paydaymax Have letter ready. Borrowed $870 paid $1146.84
  • CashNet/Applied Advance America $1000 paid $600 still owe like $900 due to fees

  • Speedy Cash $400

  • Cash Call borrowed $1000 paid $200
  • Net Credit $800 not sure of balance atm

  • Cash Central borrowed $400


I need to send ACH stop payment letters or illegial letters to all of them. Any Idea of which to which?

It took alot to own up to my mistakes and trying to make good on everything. I had a garnishment on my check for 10 weeks and wanted to try to survive but couldn;t so fell into the trap. I am trying to get back to Zero. I have money coming in February from Tax refunds so will be able to have everything cleared up then.

Also if anyone actually settled with any of these companies or they just stopped trying to collect from you please let me know. I informed our Bookkeeper who days payroll about my situation and told her I was in a mess etc. and that if anyone contacts her they do not have rights to anything right now and I Have letters I am sending out. She will work with me if she gets any inquiries.
Thanks


You do not pay fees or interest to illegal lenders, just the principal.

PaydayMax - Illegal offshore lender

Net Credit - Possibly illegal. You need to check in with the DFI for that one.

Here is the zinger: Is the name just Cash Net or is it CashNetUSA. The latter is a legal CSO. If you are current on the loan, call them and ask them for the EPP.

Cash Central and Speedy Cash are both legal lenders so you have to pay in full, inclusive of interest and fees.

Now for the big question: Did you take that loan directly from CashCall or was it originally through Western Sky/WS Funding? This bit of information is VERY crucial and can make all the difference in the world for you.


Submitted by Steve Barris on Wed, 10/31/2012 - 00:55

Steve Barris

( Posts: 1043 | Credits: )


re: Cash Call
I took the loan through western sky and the next morning at 7:09 am I got an email saying they sold it.

Here is the first line of the email they sent me. I have the original email. The gentleman from Western Sky did everything by phone then asked me to go to their website and sign and approve an electronic form. He then said they would call to confirm my payments and schedule. The next call I received was the next day from Cash Call. They even sent a packet of stuff I did not look at but kept.

NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS

This e-mail concerns the personal loan that you recently obtained from Western Sky Financial. Please be advised that your loan has been sold to WS Funding, LLC. This letter is your official notice of the loan sale and the transfer of loan servicing. Effective today, your loan is now owned by WS Funding, LLC and will be serviced by a company called CashCall.


ON MY BANK ACCOUNT IT SHOWS
(CashNetUSA PAYDAYADV 121009)


Submitted by carlamor on Wed, 10/31/2012 - 06:18

carlamor

( Posts: 3 | Credits: )


Yes, then it is CashNetUSA which is a CSO. Call and ask for the EPP. The local office might try to play hardball and in case they are acting frisky, call their corporate office.

As for Western Sky/CashCall, this is their usual MO. WS originates the loan, CashCall buys it and then begins the long annoying drag. Treat them like you would any other illegal lender/collector. If you see CashCall on your credit report, dispute it in writing with the credit bureau.


Submitted by Steve Barris on Wed, 10/31/2012 - 21:10

Steve Barris

( Posts: 1043 | Credits: )