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.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.