I have the paydayloan they are eatting up my finance

i have post to question they have been erase who is erasing them

Nobody is erasing your questions laverene

Laverne--

Maybe you accidentally posted your question in another thread :?

listen form someone tried to call me on my job i answered the phone, they asked to speak with my boss what will should i do it was gfsil, help what will they do next anyone dealt with them after deflauting

They will continue to call you and harass you. Did you file your complaints with your AGs office? And here it goes GUEST, I'm going to do it!........................If you haven't filed a complaint with your AG yet, you need to to that. Sorry GUEST, just me being irresponsible again.

Also Laverene, tell them your employer does not allow personal phone calls, they are supposed to stop, but they sometimes continue to call. They are legal in your state, if you still owe on the principal you should speak with them and work out a payment plan. But still file complaints with your AG because they are unlicensed lenders in your state.

i got the loan in may i paid 79 every two weeks till now how much is that for a 200 dollar loan, i paid a fee of 35 plus 50 to start and for the last 7 months paid them 79 i have paid them a total of 1185 already so i have not filed a complaint with the ag but going to tomorrow and what to say. i did call the office for my state they acted like they did not know what to do thats why id didnt i did sent my hr department a letter of revolkment i dont know if that will work now when i call them what should i say to them, i guess i will tell them i filed an complaint with them even though i did not do it yet. i know i will have a lot of call i have a lot of loans so ihave almost paid some of them out just a little more to go i just have so many they over whem me.

Laverne--

You had said you gave your letter of revocation to your HR dept. Did you ask them if they even honor wage assignments? Make sure your HR and PAYROLL DEPT know that wage assignments are voluntary and they can be revoked at anytime. Also, it wouldn't hurt to tell the pdls that you did file a complaint with your AG's office even if you really didn't, but you should get right on it with the filing of complaints.

i talk to some in hr and she said if they send a wage assinment they would honor it and give them my money they could be telling them a lie and get my whole check. what to do or say i will call them tomorrow before i came to work. because i cant talk to tell here. can you pm me brown sugar. i need help fast.

Laverne, go to www.ilga.gov and look up (740 ILCS 170/) Illinois Wage Assignment Act ... there is a defense form you can fill out under section 4.1.

The notice shall be by affidavit and shall be in substantially the following form:
Quote:

Laverne..I am an HR rep, and trust me, the letter above will take care of it. As of 1986, you can revoke a wage assignment..A good HR or payroll rep will know that.

icannot pull up what i need i tried it would not come up.

You know what else works Laverne..You can simply say as of this date I do not authorize any and all voluntary deductions, including wage assignments. If you already have voluntary deductions, such as 401k or profit sharing, make sure you state you DO NOT want those eliminated. It doesn't have to be fancy..It's your right to revoke it.

Assuming you revoked your wage assignment, your revocation is a defense against the wage assignment.

Simply fill in the blanks:

[quote]"I, Laverne LastName, hereby affirm that I have a bona fide defense to the claim of PayDay Store, which claim is based on a debt contracted on (insert date), and for security on which debt a wage assignment was executed.

1234 W. Main St.
Chicago, IL 60606 (Laverne's Address)
..............................
Address for service of summons


//Laverne's Signature
..............................
Employee



Subscribed and sworn to before me on (insert date).


.............................
Notary Public[/quote]

You will need to have a notary fill out the bottom, sign it, and put their notary stamp on it. If you don't know a notary, most currency exchanges have a notary and will do it for $1.00

i printed ti ilcs which should i send to the payroll there were many of them

You don't actually need to give the ILCS to the payroll; that is just the laws regarding the wage assignments. But if your payroll does not know what the law is, you might give them a copy to refresh their memory.

The defense form I posted above can be used if they already sent a wage assignment; if they did not send a wage assignment yet, then use Finsfans suggestion to cease all voluntary deductions.

so i just write the letter above and send it to the hr department and they are not supose to let my money be waged from my check. this will give me time to get in touch with them and get the settlement letters out and make payment arrngements. and pay the other bills at the same time, is that right?

Laverne--

I remember in one of your posts that you said you get paid again on Dec 8. Well, that's this Fri so you better hurry along and show that letter to your HR and PAYROLL DEPT. if you want to stop the money from coming out of your check.

where it says adress i put my address there right, where it say employee is that the place i work at right. thanks so much i will do this now and give it to the office tomorrow the one i gave them wasnt good but this one will cover that one thanks.

Good memory Brownsugar!!

Laverne, I'm sorry, but if they already got the wage assignment it may be too late. I post payroll and checks get cut 4 days before the employees get their checks.

Your right Fins!! I get paid biweekly on Fridays and my employer runs the payroll on Tuesday evenings.

Laverne--

If your payroll has already been done for this check, maybe your payroll dept can tell you if any type of wage assignments went through for this pay period.

the other people have not tried to get the money out yet so that dont know they are being rejected yet so i may have a chance but i will call them i write a letter already. but theis one is more formal.

how much can they get it for if they do i did send a letter of revokment but iam just sending these things to be on the safe side, also the are supose to tell me if the got one dont they or they just let them have it without telling me.

because do you think they have did it they called me today i just didnt talk to them so do you think they may have done it our payroll does not goe in till the week fo pay period because we have a certain day to get the time cards together. i wont say because i do not know who is looking. here.

A creditor needs to send two things before they can proceeds with a wage assignment. First, they have to send an "intent to assign wages". The intent is mailed to you, and sent certified to the employer. But the employer should not deduct from your check just off of the intent.

20 days after they send their intention notice, they can send a "demand" for your wages. The demand is when the employer starts taking from your check.

BUT, you have 5 days after they send a demand, to file the defense form with your employer.

You should contact payroll, and ask them what they have received. If they did not receive a demand yet, then you should be safe.

gfsil emailed saying they have a missed payment they needt o know if this is an adminstration area so do you think they are tring to talk before tring to wage assign me.

Sounds like they are trying to find out where to send the wage assignment. They wouldn't want to send it to your attention; they want to make sure it gets to payroll. Did you send them a revocation letter yet?

yes i sent it this morning,with the notory seal on it i did not know what date to put on it so i just use the year. all of them of 2006 laons now i can go to the next step getting all the rest settlement letters out, to see who will do and who will act a fool. they have not gotten anything at my payroll office yet,so i an safe for this one. thanks i can sleep a little better now. i wont completely rest till this is completely over. at least i am on the case the big problem will start next week when the rest relies they will not be able to withdraw, the gfsil told we cannot debit the money out of the account you gave us what happen what should i do now. what is the next step, you guys really know what to do i dont know what wouldnt have done without you guys i really thank god for this form i just got in too deep but at least i can work my way out little but slowly. thanks guys. its not over yet but the fight is beginning now!!!!!!!!.

i keep getting calls from gfsil only the rest are not calling so far what should i tell the guys beside tring to make an arrangement, are really a settlement, now cashnet usa you said are legal and licensed in all states i owe them 848. cashtranfers center i owe them 889 ameriloan 715,national opportunty any one heard of this coooooompany owe them 400, i owe 5 for companies 390 apiece, they are timberhill i go them in may paid 90 dollars every two weeks i belive i have paid them over what i browered all together i have paid over 1,170 dollars each i think that will cover them i can ask for a print out of my bank statement if necessary, i have two 260 dollars loans and two 250 dollars thats it for now so i guess i will be getting calls soon from these people i had some other but i only owe maybe a little more on these, they just overwhelming i was doing good at first them the laons got more than my checks my account started to get overdrawn i never had this all my life, i said i need to do some thing now, i thank god for the people on this form that knows what to do and who to call because i know the money was easy to get now they wont let you even make a payment arrangement or settlement i am tring to pay them just cant do it all at once. smile what to do? also about the first three laon companies, cashnet usa, cashtranfers center, ameriloan, national opportunties,anyone know how they work in default. will they be mean or will they work with you? please respond if you know thanks.

pleas read and consult for me ok

As long as you are making regular payments most of your PDL's will work with you. GFSIL and Cash transfer center will probably be difficult, but just be patient, send them what you can.

If you've paid them more then your state legally allows, then just keep sending letters and standing your ground. The treats get worse the longer you hold out, but if you hang in there you will see light at the end of the tunnel.

I notice you still haven't registered for the site. You should register, it's free and then you can send personal messages to people. You also earn points for every post you make and each point equals 1 cent. You can actually make money by posting on this site!

i am registered i dont know what happen,listen a guy just told me he just got sued by a payday loan company what about that, you cash tranfers if difficult how will they give me a hard time , i will know tomorrow i will pay them but cant do it all at once.

Anyone can sue anyone, that doesn't mean that they have a case. I was told by my state's AG's office that IPDL's can sue you, but most won't, because then they'd have to go to court and explain to a judge why they are lending illegally. If someone got sued by a PDL most likely that PDL is 100% legal and following all the applicable laws. You have to pay back what you legally owe on each one of your PDL's.

If you do a search for cash transfer centers you will get more info on them. I personally haven't dealt with them, but many others have. Look at those posts and you will get a good idea of what to expect.

Laverne- If you are registered, someone will contact you for your credit counseling. These trained professionals will answer all your questions and help you with whatever you need. Just get all your debts and papers together, and when they contact you, you can ask questions, and they can tell you what your options are...Karen

one counseling called me they just want to know what i owed an told me how they charged then no advice but i had to pay them they made me mad but iam looking for advice sooon they did not take it this time but i am ready to make a settlement with them and get on with my life. any one there.

hello i talked to a counselor and they told me what they charged and that was it. They just said i have to pay them i know this but i just wanted a payment plan they said i have to pay 1600 dollars for a month that is the amount i owe. what goes on form tell me about.

Laverne--

Who are you referring to saying you have to pay $1600. A credit counselor or a pdl?

a debt counsoleorcalled from this form i told the amount of the loans and they told this is what i will pay them to stop the harrment assigmnet wage, etc. i never got any couseling only how much do you owe well they need 1600 to get started themit will be this for three years i not think so. how do you guys get those signs you made with your name.

forgive my spelling

listen what is a echeck and can they access you new account with this check cashnet has one, they said i did not to be in court for this loan, in the agreement whatelse can are will they do?

Laverne--

Do you mean electronic check? If so, they can convert a paper check into an electronic check that will clear your bank account quicker.

brown sugar i mean i closed the old account can they get into my new account, i have and does this mean they are going to try this before going to my job for wage assigments/ thats what i want to know.

They shouldn't be able to get into your new account, but if your new account is linked to a savings account, they possibly might be able to.

i have no saving account with chase just with the credit union on my job thank god, so i am working to get things resolved and get on the track with things if i get this check with no problem i will be on the track again then i can work on getting things back in order. even with the payday loans.

Laverne, you are headed in the right direction. Good luck. You are going to be alright! :D

so steeler do you think i will have a good day on friday, hope so then i will really be back on track for real i hope so from the response i ve been getting it looks pretty good i feel good. thanks to you guys i am on the road to recovery i feel like a recovering drug addict or something i guess this is just as bad because payday loans are addicting, they help but you get one and the interest rates are high then you keep on getting one to pay the other one this is how i got overwhelem i was doing good then it got too much so here i am if i get out of this i will not do this again. thanks again for the advice i dont know what i would have done if it wasnt for you guys on this form i still havent gotten a counslor to call me yet.

You can deal with the internet pdls yourself, most of us here have and have had success. I really hope you have your entire check this week. I know it will be nerve racking until then. This mess will soon be over and you will be on the right track. It is a hard lesson learned by many here.

thank you guys for the confidents to go forward and am not out of the woods yet but i am on the road back at least.

Good for you Laverne! The reason someone hasn't called yet, you are still showing up as guest,maybe that's why? KAren