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OMG.. i have just received an email from AOM internet cash and they said that they will mark my acct "paid in full". AND get this, they will refund me $250 for overpayment.I've been sending them emails since last week and i stated CA laws, first they said that the money given to me was not a loan but a "rebate" so the laws about lending do not apply to them. that was last week. and this morning i thought that i should try arguing with them again and told them that i have contacted CA's AG and CA finance and that they are not licensed in CA. After about 30mins, they emailed me back and said that they are not licensed in CA bec. they are not a loan company and that another company referred my loan to them. Said that they have talked to their lawyers, and that they will be respecting California's laws on lending and that they will mark my account "paid in full" and will refund the money that i felt was owed to me. (should have added more in there :lol: )

that's 2 successes today.. a few more to go..

i feel so much better today!! so glad i found this forum.




they also said that they will post the refund to my account tomorrow.. we shall see

Sub: #1 posted on Tue, 09/26/2006 - 11:19

ccastro ccastro

(Posts: 38 | Credits: )

Awesome!! Yes, that's one more down. Stand strong! You will win.. Do you have any more payday loans? Stick with the same game plan when you know that you are on the right. Good news!!

Sub: #2 posted on Tue, 09/26/2006 - 11:21

orake orake

(Posts: 482 | Credits: )

That's great. Make sure they send you an email or a letter stating they are marking your account paid in full and you are not obligated for anything else.

Sub: #3 posted on Tue, 09/26/2006 - 11:23

michaelsmom michaelsmom

(Posts: 45 | Credits: )

Dianne mentioned an important point. In most cases, we forget about it. It's only realized later when the balance is sent to some outside CA for collections.

Sub: #4 posted on Tue, 09/26/2006 - 11:30

orake orake

(Posts: 482 | Credits: )

yes, i saved their emails and i have also requested to send me a letter stating that my balance is $0. if they don't send me a letter, i will just keep the email that they sent me for future references

Sub: #5 posted on Tue, 09/26/2006 - 11:40

ccastro ccastro

(Posts: 38 | Credits: )

Way to go ccastro!
Just be persistent and you will prevail!

Sub: #6 posted on Tue, 09/26/2006 - 12:10

erzeke1 erzeke1

(Posts: 1145 | Credits: )

Thank you erzeke1, you are one of the first persons that have replied on my first post. I have a few more, but getting those 2 marked paid in full today is a very good news!

Sub: #7 posted on Tue, 09/26/2006 - 12:17

ccastro ccastro

(Posts: 38 | Credits: )

I'm glad we could help you...that sick feeling is starting to go away now isn't it?
Knowledge Is Power!!!!

Sub: #8 posted on Tue, 09/26/2006 - 12:26

erzeke1 erzeke1

(Posts: 1145 | Credits: )

yes, it is.. before i found this forum, i've felt so down and i don't even want my payday to come bec. i know that there won't be anything left in my account. and i was so scared of defaulting/stopping payments on them. but after weeks of reading this forum, i finally had the guts to stop payments on them and started sending out letters. a few more to go, but after today, i know that everything will be ok. we just need to have faith.

Sub: #9 posted on Tue, 09/26/2006 - 12:40

ccastro ccastro

(Posts: 38 | Credits: )

You bet!
I was in a real pickle and had terrible thoughts when I was going through it myself.
Now I'm just mad!

Sub: #10 posted on Tue, 09/26/2006 - 12:42

erzeke1 erzeke1

(Posts: 1145 | Credits: )

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