pld assistance

They have not settled any of your loans? I just signed with them as a backup. I am not having any money taken out until the 6/25. I had already started the process on my own. I myself have never had a problem getting in touch with them. But all they have from me right now is $200. When I spoke with them today they told me that if any of my PDLs settle with me prior to my first payment, based on what I have done on my own then they would adjust my payments. So I will wait until the 20th to see what I can take care of. I could most likely do all of it on my own, but I am busy at work and will be on rod for a good part of this month.

Hello Chris,
I too signed up with PDL assistance for 2 days. I immediatly cancelled my contract and got my $200 enrollment fee. Listen you can do it yourself!! PDL Assistance from what I have heard does work, but they do not pay of your PDLs untill you have enough money saved in your set up savings account with Rocky Mount & Trust. How many PDLs do you have?

Many people here have taken care of their pdl's on their own, all it takes is a lot of persistence and knowledge. The people of this community are more than willing to walk you through the process. But you must do what you feel the most comfortable with. Good luck, either way !! :D

I agree with Shazz. I too had considered going with Langhorne but I didn't like the money they would charge me to clear the debts, the length of time it would take to do so and I mostly didn't like the attitude I was getting. It was almost as bad as what I was getting from the PDLs themselves. I did what the good people on this board told me to do and within 3 months I had all 5 of them cleared. Yes, it is time consuming and sometimes nervewracking but in the end it was worth it. I came away paying just what the PDL deposited into my account and in two instances less than what they gave me. One was a considerable amount, $293 and change to be exact. If you are persistant in your endeavors, inform the authorities who can help you and keep you chin up, things will work out. I would suggest that you read the sticky on using ACH processors to stop PDLs and if it applies, use that advise as well. That is what cleared my last two, and within days. Keep us posted.

AMEN!! :D

I also was screwed by PDL Asst. Cancel your acct's with them now over the phone ASAP. I paid $200 into their company which I cannot get back. I settled all of my PDL's & am paying them off myself. I spoke with a supervisor with PDL Asst. to get my acct cancelled. You should have acces to you acct where your $1500 dollars was debited. Call immedialtely & speak with a supervisor. Try to call in the AM when they do not have as many calls. I also am reporting them to the BBB. Good LUCK

Wow. You might want to contact the bank where they set up your savings account Chris, you may be able to withdraw your money. It is worth a shot. I personally spoke with the manager at PDL Assistance and he said you cannot get your enrollment fee or money back put into the trust account after 3 days of enrolling. So Good Luck! The whole thing sounds kind of strange to me. I read the contract over and it DOES state that very same thing on there. So beware before you send them anymore money.

I am beginning to feel that these "groups" are not much better than the "groups" they are trying to stop. Like I have said before, one big happy family applies to these guys. When I spoke with Langhorne I asked them how they can accomplish this when other "consolidation groups" can't. I was flat out told that Langhorne had an attorney with them who previously worked for a PDL and he knew exactly what to do in these circumstances. Hence, the birth of Langhorne. However, when I stated that I had already "paid in full" 3 of my 5 payday loans (but no admittance of that fact on the part of the PDL) I was told that even under those circumstances I would still have to pay the PDL a couple hundred bucks, to make them go away. I asked why and was told that "that is just the way it is". I told him I had to call back (I was not at home when I called) and the wrath of God came on me for "wasting" his time by "thinking" about it. The same damn attitude that the PDLs give out. Question in my mind is this. If you really have the best interest at heart for the client you are representing, why on God's green earth would you enable the PDL by feeding their nasty habit further? I wanted Langhorne to make they go away, not pay them more money. On top of all that they wanted their own fee to do so. I realize they wanted to make money as well, but shouldn't their "fee" cover what they were hired to do? It's like paying a lawyer to represent you in court and then he/she stands their and says "oh yes, your Honor, my client is guility". Just doesn't make sense to me. In the end, I duked it out myself. I came here in February with 5 PDLs. Three months later I am totally PDL free and did so by paying back only $1235 of the $1560 I originally owed. If you can dream it, you can do it. It's time consuming, but oh so rewarding in the end. Keep your chin up.

After think about this all weekend I think I am going to call PDL assistance first thing in the morning to let them go. I can not get my $200 back but they will not get anymore money from me. I change my banking information after I hired them and have not updated it yet, so they can not take money anyway. I now have 8 loans out of the 10 left to deal with. Six I have overpaid. I come here everyday, mostly reading advice from everyone and I have already done so much on my own. I think I can do this, but I am scared.

ll1985 - of the money you paid back on your loans was anythin over the principle? According to the laws of my state and the laws of the states where I have loans
I owe less than $300.

No, I paid back what was deposited into my bank account on 3. One I only paid back $270 on a $300 loan and the other I only paid back $105 and change on a $400 loan. All brought my account to zero and gave me a PIF. AND, can you belive this, one sent me a letter of apology for all my aggravation! What state are you in again? I am assuming that you have overpaid or paid close to the original amount of the debt? Less than $300 is a drop in the bucket! Keep us posted.

I agree with LLw995 because I personally compared Langhorne and PDL Assistance settlement companies. Called both and didn't really like the attitude form Langhorne at all. They were too pricey and it would have taken me almost 6 months before a PDL gotten any payment on the plan they offered. I did enroll with PDL Assistance because they were cheaper, but they were too fuzzy on the details with me so that was a RED FLAG right there so I cancelled my enrollement. Now I have heard that these companies DO work from threads posted here. I am just sharing my own personal experience with them. I eventually handeld all 11 of my PDLs on my own and it cost me nothing! Some of these PDL settlement companies even told me I would have to pay more money on loan I have overpaid to get rid of them, that is absurd. I should get a refund and PIF. So I fully agree with LLw995. If you have the time and confidence to take control of your money DO IT YOURSELF!! On the other hand, you have to do what is most convienent and comfortable for you. Best of Luck!!

Good for you SRJANES!! LLw995 is right, if your state laws prohibit rollovers you may only owe the pricipal balance. Just depends on your state laws and if the PDL is licensed. You said you overpaid 6 of them well IF depending on the laws, you might get a PIF from all of those and possibly a refund. What state are you in? I do not want to get ahead of myself.

anyaroberts. . .I agree 100% with you. I really do think there is a connection between the two. I was just afraid of going from the frying pan into the fire. Having control of my money was first and foremost. It did pay off for me and I am so glad that I decided to take this monster on myself. I also think that with the amount of pressure the PDLs are feeling now with complaints to different government agencies and with the addition of the processors help things are not going to be so easy for them in the future. I have been noticing that some folks are getting PIF's a lot easier than when I came here and that was just 4 short months ago. I would like to believe that through our efforts the lining in that otherwise black cloud is starting to show through. Keep up the good work!

Well alot of people here on this forum have done it themselves and WON!! SO that is evidence in itself. I do not know about connections between the PDLs and PDL settlement companies. That is an allegation I am not gonna touch. :? What I do know is with a effort and hard work you can settle your PDLs on your own. :)

Hi,
I wrote a few minutes ago about payday loans. First, your forum is new to me. I have not joined, and I don't know how to get any messages out or in..if folks send them. So, if someone can tell me how to do that I would appreicate it. Second, I keep seeing T&C for payday loan consolidation from Birmingham, Al. Anyone have a number or a success story who has used them? Sorry, but I need help all the way around!
Vicki

Thank you a llw1995 and anyaroberts. I am still very nervous about all of this. I live in Michigan, so I think I may have the upper hand regarding my loans. i hope I do anyway.

they called me back today. they said with me having all the money i needed to settle all the accts they should be settled in 60-90 days. i said it shouldn't take that long to send the people checks. they said some of the companies won't settle for what i borrowed. they said i will have to work something out with them my self. i asked why they have not called me they said they must have not gotten the messages. i called them including up until today 17 times. i wish i never talked to them about this and did it my self

Can't you cancel with them? So, they are saying that even though they are negotiating for you, you will still have to deal with the PDL yourself? Seems kinda senseless to give them a fee when you have to "do it yourself" anyway. Am I correct in this assumption?

This is ludicrous :evil: Why even stay with them another 60-90 days and pay a fee like Llw1995 stated. Sounds to me they are stretching the time to collect more fees :evil: I am glad you are giving us an inside look on this company. Sounds like they are not very efficient in what they advertise. Also, why have they not got your messages? You called 17 times and no callback or even an email..WTH! Chris I would not wait another 60-90 days and waste more money in fees with them. Cancel and do it yourself like they even stated. Unreal! :?

please file with the BBB b/c I had the same problems. Also, Cancel your acct with PDL ASst

Both Langhorne debt solutions and PDL Assistance charge fees for their services. I have read both of their contracts and they are very similar in fees. It is certainly better to settle with the PDL places your self if you have the patience and stomach to deal with the collection efforts from the PDL collectors and the nasty tactics they use. You will save more money doing it yourself.
Here is how Pay Day Loan Settlement works for anyone here considering hiring a company like PDL Assistance or Langhorne. Both companies are legit and both do good work.

Langhorne Debt Solutions or PDL Assistance " or any other pdl settlement company " will work with you to establish a savings program that will be used to pay off your debts over a period of usually 6 to 12 months. You will have one monthly payment and the amount you will pay back is typically between 30% and 60% of the amount owed when you joined the program. These companies have bills to pay just like you so yes they charge some fees up front and it does take 60-90 days sometimes for your first settlement. People need to understand that doing settlement will save you some time and money but if you want to hire a company to help expect it to take a little longer to rid your self of the debt because you will pay some fees to these companies who do all the dirty work for you.

Removed by Shazzers
Reason: Solicitation is prohibited per TOS rules.

Rosemary, loan solicitation is prohibitad here. I think you might have this forum confused with another site.

I have PDL's, five of them. I have been paying on them since May and still owe more than I borrowed on three of them. I read how people have settled them without using PDL Assistance, which I have spoken to this past Friday but have not signed with them. I would very much like to handle this on my own, but I have no idea how to accomplish this. Can anyone help me?

Welcome, SOS! It would probably be better if you started a new thread. Also, we need to know what state you are in, the companies that you have borrowed from, whether they are store front or internet, the amount borrowed, and the amount paid on each. Once you post that information, I'm sure that someone will be able to give you some advice for your particular situation.