nervous and scared

You did the right thing by contacting T&C before you defaulted. I did the same thing, I also called all my pdl's and told them what I was doing, as well as closing my checking account to all debits.
I was a nervous wreck! They shouldn't harrass you if you are setting up payment arrangments. I havene't got but 1 or 2 calls from them, and a couple of emails.
Let them try and sue you, chances are they aren't legal in your state and they won't be coming there to sue you.
Just sit back, relax and let T&C do their thing. If you get a call, just give them T&C's number and hang up.
Good luck

I just closed my bank account when I sent everything to T&C. Do you think I should notify the PDL's before hand?

I should have finished---Mine are coming due this Friday also and I am starting to get kind of nervous. But I am glad erzekel suggested just giving them T&C's number and then hang up. Thanks

jeanne bean, payday loan companies, along with many collection agencies, prey on the fears of people like you. You are doing the right thing though. The best way to overcome your fears and avoid being taking advantage of is to become informed about the law, your rights, and what is really going on. Reading this board is a great start to that. Good luck!

dmj is right. The more knowledgable you are about your rights, the more self confident you'll be when dealing with these people. I try to be as professional as possible on the phone and not stoop to their harrassment and tactics. If I don't like the conversation, I simply hang up.

Does anyone know the addresses for these PDL companies? They refused to give bot me and T&C there addresses on the phone or by fax. One even gave us a bogus Vegas address and our letters were returned NSP.

Money by Now
Arrowhead Investments Inc
EPayday
FTR Processing
One Click Cash
One Step Cash

HELP!!!!!

Hi Deirdre

You will get these addresses in the BBB website. Type in the name of the company and you will get their info. If you are unable to locate any, let us know. We will find it for you.

The only address to come up on BBB website was Arrowhead. FTR and Epayday said my account was transfered to a collections agency called I-Collect but they only have a machine and I am not leaving my social on a machine.

Deirdre, do not leave your social security number in the machine. Ask for the address of I-Collect from FTR so that you can send a debt validation letter to their mailing address. Do not make a payment agreement until you have reviewed the details properly.

One step cash's fax number is 800-689-6140...I am with them, they will accept the T&C proposal, so don't worry. I have tried to get a mailing address out of them, but all I ever heard was, "T&C can just fax us a proposal" so, just tell T&C that is all you can get out of them, and ask them to fax the proposal instead of mailing it. Hope this helps. I don't have the addresses for the others.

Here is the address I got for One Click Cash. They were formerly known as Preferred Cash

One Click Cash
2533 N Carson St, Ste 5024
Carson City, NV 89706
1-800-230-3266

I am looking for the others.

Thank you all for your help. I will give T&C One Step's fax number and the address for One Click Cash. These people are so crazy. If they want to get paid, they should give up their address.

one click cash also has an address for miami oklahoma

One thing you have to understand about PDL's. They have soooo many account go into collections. More so than the accounts that actually stay in good standing. DON'T get nervous. They are use to this believe me. If they start calling, send them a cease and desist. Let Town and Country do their thing and take the phone calls. That is what you are paying them for. This is just a baby step to financial freedom. We all went through it

FTR Processing

5700 Broadmoor Street
Shawnee Mission, KS 66202
913-671-8737

John, thats the address I used. One click, 500 fast cash, they are all the same address with different STE boxes

I think I have joined, i think I did it right, but i would love to have info on how to contact T&C i need them bad on some pdls thanks

Lesa,
you're still showing up as guest. Can you tell us a little bit about your situation?

What is the email address to these people so I can stop them from debiting my account and set up a onetime payment.

Michelle, I will be looking out for the email address of epayday and let you know. Talk to your bank and explain the situation. They will be able to block the transaction ID of the company and stop further debits from your account. Many of us have used this method for stopping the debits and are successful with it. You can also give a try.

can anyone help me find the address for ftr processing? no one answers their phones or returns emails

femmekiss,

Please put a search into the forums and you will find all sorts of information in regards to FTR Processing.

Try this number 913-671-8737 for FTR Processing. I believe this one is working.

I sooooo understand those fears, I am just now beginning to go through the process of getting my life back, it has helped a great deal these past few days knowing that I am not the only one who got caught up in the payday loan trap. I have already been helped by several supportive people on thsi board and I am glad I found this site. I have been able to sleep better at night...no joke !!!

fedex is absolutely right..This board is a life saver..I don't know where I'd be right now if I hadn't found it last winter..Probably in serious debt.

i think this information is crap! I followed your information about stopping debit and on my account with a pdl company and got into deeper debt. The pdl company sent my loan to a 3rd party collection agency where i was assessed more fee's. By the time they were done with me, i had doubled what i owed if i would have just paid out. SO SELL YOUR BULLSHIT ELSEWHERE! ALL I KNOW THIS SITE IS RUN BY A PDL COMPANY!

I guarantee this site is not run by pdls. Also, I want to add that this site has helped several people deal with the pdl industry and collection agencies.

For some people the only way to battle the PDL's is to stop payment. I am working with a local Credit Counselor in my town and she also advised me to stop payment or close my account.

Michael, stopping the debits of payday loan companies has helped others if this didn't work in your case. I assume your lender has hired a collection agency to recover the money. Contact them directly and work out your payment arrangements. Guess, if your account had not been sent to the CA, there would have been different words in your mouth. You need to analyze your individual situation and work accordingly. It is your choice if you want to take the advice of others or do something on your own.

The thing is..Closing your account is only the first step..You can't just let it go, you have to contact the pdls and make arrangements. Of course they'll send you to a collection agency if they don't hear from you!
And btw...We're not selling anything. You chose to come here. This site has helped myself and countless other people.

FTR moved from their Broadmoor location to the following:

FTR Processing
3543 Broadway Street
Kansas City, MO 64111
1-866-230-7824

FTR moved from their Broadmoor location to the following:

FTR Processing
3543 Broadway Street
Kansas City, MO 64111
1-866-230-7824