Great Sky Cash

You need to go back to your bank and talk to your branch manager. You need to let him/her know that you did not authorize these charges and that you either need to put a hard debit block on the account OR close it and open a new one that is in no way linked to the old one.

I called Wells Fargo to close the account and they would not. Told them that I needed to stop the attempted drafts and they would not do that either. I will go to the local branch tomorrow to see if they will close it for me.

I just went through the same thing with
Wells Fargo and they closed my account immediately and gave me a new account #, I also filed a fruad charge against these companies which is what you need to do. I had sent all of these companies a revocation of ACH debits to my account. What state do you live in? check online with the division of finance to see what the laws are in your state concerning internet pdl's.

I live in Georgia. I just received a call from a Kenny guy from Alliance Funding here on my job stating that I was in default with Great Sky. The principal on the loan was $300, which they have received. What do I need to send him to stop the calls. I know that I should have never taken out the loan, but in times of desperation, you do stupid things. I have read a lot of good posts and from what I gather, payday loans are illegal in Georgia. Great Sky uses the terminology that they reservation laws do not apply to us. I really appreciate any and all help as my stress levels are getting worse and these threatening calls do not help. If they try to garnish my wages, would they not have to come to our Georgia court for that? Thanks for any help and advice.

You are correct that your wages cannot be garnished without a court order.

Sometimes, however, these lenders work wage assignment language into the contract you sign. Wage assignments are voluntary garnishments.

You should send them a letter (or email is fine) stating that, because they are not licensed in your state, your loan has been paid in full and that you revoke ACH authorization as well as any wage assignment you may have signed. I would also tell them to cease all communication with you.

Have you secured your bank account? If not, do so right away (before sending the letter). Give a copy of that letter to your payroll/HR department so that if they try to put through a voluntary wage assignment, your employer will know it has been revoked and will not honor it.

Unfortunately, there's no way to guarantee that the calls will stop. They may continue to harass you. There's not much you can do other than apply the "bully technique" of ignoring them until they get tired of you and go away.

I found them flustered when I sent them this as suggested by an attorney.

Date
Your Name
Your Address
[FONT=Arial][COLOR=black]Alliance[/COLOR][COLOR=black] Funding, LLC[/COLOR][/FONT]

[LEFT][SIZE=2]5777 W. Sunrise Blvd[/SIZE][/LEFT]
[SIZE=2]Plantation, FL 33313

[/SIZE]
Re: Acct #

To Whom It May Concern:
I am sending this letter to you in response to a notice I received from you on (date here). Be advised, this is notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for ???verification??? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:

• What the money you say I owe is for;
  
• Explain and show me how you calculated what you say I owe;
  
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
  
• Provide a verification or copy of any judgment if applicable;
  
• Identify the original creditor;
  
• Prove the Statute of Limitations has not expired on this account;
  
• Show me that you are licensed to collect in my state; and
  
• Provide me with your license numbers and Registered Agent.
  

• Violation of the Fair Credit Reporting Act
  
• Violation of the Fair Debt Collection Practices Act
  
• Defamation of Character
  

• Show me that you are licensed to collect in my state; and
  
• Provide me with your license numbers and Registered Agent.
  

What you have there is a BS debt validation letter. Alliance is a third party collector. Under FDCPA, they are not required to provide you with proof they are licensed to collect in your state.