Need some clarification

I was hoping for a response from anyone. Can someone answer this question for me? It would be greatly appreciated

tina...you are not going to jail. As we all know in PA some ipdls are legal as long as they are licensed in some state and follow those laws. You have Nevada and Delaware listed so I assume you have checked and they are licensed in these two states. Goudah has done an excellent job of simplifying some of these so far:

Emails to and from the banking dept:

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The post above is me as well.

It has come to the point where I can not make all of these payments (as the only income I have is I get SSI for 2 of my kids)My hubby works, but I did not use his income for these loans. I have closed my account, sent out my letters certified revoking them to debit my account and wage assignment) I am going to my bank tommorrow to put a HARD DEBIT BLOCK on my account, because until I came here I was not aware that the account could be forced open. It has come to the point where I can not make all of these payments (as the only income I have is I get SSI for 2 of my kids)My hubby works, but I did not use his income for these loans. I have closed my account, sent out my letters certified revoking them to debit my account and wage assignment) I am going to my bank tommorrow to put a HARD DEBIT BLOCK on my account, because until I came here I was not aware that the account could be forced open.



I contacted my bank this morning and went to my local branch (citizens bank )and they told me that they could not and would not put a hard debit lock on my account as they will not be a part of me committing fraud. The lady I talked to also said to me that I was breaking the law basically anyways using this account for PDL's since I am Rep Payee for my 2 sons,and was wrong of me to do this. So now I am worried that they will contact SSI and tell them then I will lose the money. I had to get these PDL's to get food and pay my bills, ETC because at the time my hubby was not working many hours.

So I was told that my account will be forced back open and then I will have to pay the bank all the fees this account incurs.


Can a bank refuse to put a hard debit block on a account? What should be my next steps to take when these ACH debits starts coming through this closed account?

tina, is the bank account in your name only? It doesn't have your kids name on it? It's an account with just your name & the SSI money is deposited into it?

the account that was used had my name as well as my 1 son's name, it said my name rep payee then my son/s name

so by your question am I right to assume I am in trouble even though the money used from these PDL's were used for things for my son

Hang on, tina. I'm going to pm another member who might have more knowlege regarding this. Don't freak out yet. Hang on and I'll send a pm. I'm not sure about this, so I don't want to give any advice without being 100% sure, okay? Don't go away. I'll have someone along who might be able to give us a little more insight on this. :wink:

I am trying not to freak out here. I had to take these IPD's because at the time hubby took time off from work (this was in Setember when I was 9 months pregnant and put on bed rest)and we needed the money for food, our van broke down, needed to pay bills, etc

Ok..I can start with the first thing..Your son's SSI will not be garnished. These are illegally operating, and they are consumer debts, in the state of PA consumer debts CANNOT garnish. no matter what they tell you. You took care of the wage assignments, so that will be fine.

It sounds like the lady at the bank is mean. It is NOT a criminal act to take out a loan of any kind..It was never a crime for you to take out the PDLS. It is my advice to you to close that account and set up another one at a different bank. Just because you are rep payee does not mean that you can't switch banks. Do this right away before you rack up too many fees. You will not get into trouble..There is no fraud here, just irresponsible lending on the IPDLs part.

Thank you for your reply, I feel much better now. Now I have another question. I have a IPD with cashnetusa, and so does my hubby (he got it under me, so I could get the $20 taken off of my loan fees) He has no intention on defaulting with his loan (different account at different bank used for his loan) my question is once I defailt on my loan can they go into my account under my referrals and get my hubby's bank info and debit this account for my loan? I have not authorized this, and just want to be sure if they can do that or not. If they look at my referrals they will know he is my hubby as my last name is not a common one.

I am just trying to calm my nerves on all of this. It is very scary to think I would get into trouble for doing these IPDL's on the account that I was rep payee for.

I have had nothing but bad luck lately. Shortly after I had my daughter (9-19-07) I started having problems with my stomache and just had my gallbladder removed last friday, and now all this worry over defailting on my loans.

I appreciate all of you guys help!!

You both have a loan out with CashNetUSA? Is your loan under your name at your bank and his loan under his name at a different bank? Am I understanding this correctly?

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Okay, tina. Since CashNetUSA is going to be licensed/legal for you both and your husband does not plan to default on his loan, I'm going to assume that he's going to continue to let CashNetUSA debit his bank account, correct? What you will need to do, by closing your bank account, is contact CashNetUSA and set up a payment plan with them with an alternate form of payment (not debiting your bank account). Tell them the bank closed your account. Set up payment arrangments with them (via money order) and you should be okay. They will continue to debit your husbands account for his loan. They should set up payments with you by you mailing in your payments. Make sense?

i would like to add that this website has calm me down. i am still concerned about going to prison for fraud checks?? can any1 help me???

Trust me..We have all been where you are now. You are NOT going to jail for check fraud. You have NOT committed check fraud, I promise you. The only companies (usually) that operate within the laws and can cause any kind of legal problems are store fronts..And you have that one under control!! Please relax, and believe that this is going to work out for you!

Are these loans all internet loans? You don't have any storefront loans, correct? I received your message on my home page and my question is - Do any of the pdls that you have, have an actual check written out by you? In order for someone to put a "warrent out for your arrest" is if you do indeed MAYBE have a "bad check" out somewhere. If whoever told you that they "put a warrent out for your arrest" is an internet pdl, they are full of crap. If this is indeed the case, they are just trying to scare you into paying them. Is that what happened? Did one of these internet pdls call you or email you and tell you that?

That's what I was wondering too...

Well, fins, I'm just hoping tina comes back and let's us know if it was indeed some internet loan throwing out illegal threats like they do. That's what I'm hoping.

Me too..I'm thinking that's what it is, because she said in her first post that she has acceptable arrangements going with her storefront, and that is the only one she has. Sounds like IPDL b.s.

It does to me also, fins. But she stated that "someone" has a warrent out for her arrest. Now, I'm concerned. However, if it is an illegal internet, it's just their usual scare tactic. We need tina to come back and let us know WHO told her that. Then we would know if it was the "usual" pdl b.s.

I'm not liking this warrant stuff that's going around...

You and me both, my friend!

This would be the second one in the past week. I wish I could remember the one earlier this week but she copied and posted the thing..the only thing that tipped me off was the fact that it was a criminal warrant.

I think I'm remembering that one, roxy. Didn't it turn out to be some bogus crap from one of our favorite illegal pdls??

I heard about that! I'm going to look through the Payday loan forums to find it..

Found it, here it is....

http://www.debtconsolidationcare.com/southcarolina/semimonthly-refinance-1.html

It still makes me queasy!!!!! I felt so bad for Jena that day. If you read it, initially you are shocked until you really READ it.

what a bunch of $h!t!!!!! They couldn't email something like that if it's legit! Those thieves stop at absolutely nothing!

I think it was the first time I realized just how far they are willing to go. It is easy to blow off someone yelling at you and threatening to send the cops arrest you...that is just plain scary. So many people do not realize that warrants can not be issued over e-mail.

Oooohhhh, fins is on a roll now! fins, I think tina has another thread going also. I just noticed it. Apparently she got a response from one of her pdls. So.... will she come back to this thread?

igamara - check your original post! Lots of people have replied!

cannr, where is her other thread?? Maybe we can bring her back here...

The easiest way to check for other threads, for me is to click on how many posts they have and pull up their list of post. You have to click through them all to find the right one, but I don't know of any easier way, other than searching the whole forum, which can be tricky if they posted originally under guest....

That is probably the easiest way..Thankfully she's a newer member and doesn't have thousands of posts!

Yeah it gets trickier when there are more. I have trouble finding my own sometimes.... even in my My Threads!...

LOL, you should try to look through mine!

No thanks!

fins and poko, I think tina has a few under "tinabarr" as a guest and then some under a registered name (?). I'm getting confused. I'm just coming across them as I'm going through threads.

Hey it's me, I think I know why you are confused on this thread, I did post as guest, but that was because I forgot to log in. The other name I used was mom2373.......sorry to confuse everyone.





The quote above was not mine it was by someone else

It is hard to keep track. But when I was new I was wanting to start multiple threads. In fact I did have one before I started the one I've been one and I started it because I wasn't getting responses. Luckily however I knew how a forum worked because I'd been on one before. But I don't know how to simplify it and make it simple for the new people so that they can get the most out of their time on here. And we are totally having a huge aside aren't we?... SO where'd tina go and how can we continue to help her...

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tina, don't worry! We'll find you whenever you post! You won't be left out in the cold! We're here for you! :wink:

LOL!! Good to see you back! I hope things are better today..And Cannr is absolutely right, we will NEVER leave you out in the cold!