One down!! Yeah!!

Excellent work! :D

good work!! congrats!! and yes i feel the same way about Bank of America they don't do anything to help...i've call them more than 5 times and nothing.

I like they appreciate YOUR willingness to resolve the matter. They are just hoping you didn't file any complaints against them. I'm hoping that you did.

Downingindebt...it's like they just want to rack up on the fees and I don't know what to do about that. I went to the branch where I opened it at and the person I spoke with basically was telling me that customer service (1800 #) has the control to do something! That to me makes no sense. He did try and I know he wanted to help but the people he called were not willing to do anything! I am so disappointed. I can only send letters to the lenders and hope they will stop debiting the account until they decide to close it because of the acct being negative over an extended period of time.

Steelers I haven't yet but I am. I'm going to file one on all 15-16 of them I have because they need to know that they cannot continue to operate illegally and get away with it!

well the (800 number) toldme i had to go to the bank to see if they can do something for me, i doubt they would.

I read somewhere on here...I want to say a post by Alexandra..to ask for a statement of something...I need to find her post. I may try going to another branch to see if I can get some help.

Here's what she said:

Quote:

I think there is a way for them to stop this. Somebody just doesn't want to do the paperwork. This sucks.

The person I saw at the branch called the risk management and the customer service dept and both of them were unwilling to do anything. It does truly suck!!!

is all about making money, i mean they get $35 everytime.

I opened another account with them but I may get another one and close out both because really what does that say about their willingness to help their clients? Many others on here have said their banks helped them out.

It sounds like they don't care about customer satisfaction and only the bottom line. My bank was completely understanding, stopped my debits by phone immediately and allowed me to wait until the next day to sign the papers. (they actually said I had three days to do this) And they suggested I close and open a new account.

What's your bank's name and anyone who has any suggestions for another bank that is concerned with customer satisfaction, please either pm me or post it here! Thanks!

Congradulations on getting it settled. Thats a huge relief. My bank was very good also stopping these debits. I think I would look for another bank after this incident. KYSIDE38

Kyside, it seems that they realize the customer won't have the money to cover the debit and that it is another chance for them to make $35 off of a person who they know doesn't have it. Doesn't make sense. At this rate the person will NEVER be able to pay of the negative account.

Thanks Kyside! I think I'm going to look for another bank.

Congratulations, HUDiva. I, too, would recommend looking for another bank. They should be willing to help you and at least advise you of what you can do.

UPDATE

Quote:

Congrats I wish i was getting those results, i have 6 and only one send me a PIF letter, everyonelse is giving me a hard time.

Thanks! Who are you dealing with and how much do you have left?

So far Del Prado and Payday Yes have marked my account PIF. Starlight is willing to settle for the remaining principle and so is Cash Today Limited! There is light at the end of the tunnel indeed!! Waiting to hear back from United Cash loans, Rio Resources, B&L Marketing, and Instant Loan.

Becareful dealing with Rio Resources. I filed a complaint about them and there fees, they sent the loan to a collection agency. I had to contact the state's AG comsumer protection department in order to get help with dealing with them

Hudiva, Three of the ones you are waiting to hear back from belive it or not are one company. United Rio and Instant are all under MTE financial. Like bdouble said be careful with these people. This is one dirty company that runs from place to place. They are saying they are indians and exempt from US law. Keep us posted. KYSIDE38

Response from B&L Marketing

Quote:

I would get in contact with them, find their address and mail the $25 certified mail. Don't let them touch your account.

Get it all in writing, and call yourself a winner! YAY! :)

Thanks Kyside and bdouble for the info. This is the response I got from united cash loans.

[quote]Account-

This department has received the recent communication regarding the above account. The terms and conditions are available from the website at the time of application, and there is a 48 hour window in which to cancel the agreement without incurring any fee. In addition before each debit an account summary is provided to you, which also summarizes the terms once more, and all the options for repayment. To avoid additional fees, the account summary needed to be sent back with your signature signifying the account was to be paid in full on the first due date.

Since there is no mention of a specific problem in the handling of your account, it will continue as agreed upon per the contract. If there is a specific issue which we can address for you, please let us know, then we will look at your account at that time.

United Cash Compliance Department
Fax: 1-800-230-9480
Email: [email]compliancedepartment@unitedcashloans.com[/email]

[/quote]

Basically they ignored almost everything I addressed in my letter. I'm just going to complain to the AG about them. I received a similar response from MTE talking about I can pay the remaining $300, which is what I have already paid them!!

Go after a refund with Starlight HuDiva. I just got my check in the mail today for $1,184 from them and another member has gotten over $2000.000. At first they tried to settle with us for just the principal, but we pursued it and got back every penny of our fees.

see this thread:
http://www.debtconsolidationcare.com/settlement/overpaid-payday-4.html

I did not overpay them as I still owe them $234 because they only withdrew $66 for my $300 loan. The only one I have overpaid is UCL by $200 but I doubt I will get anything from them since they are so shady.

Hudiva, United and Rio are one in the same. Somebody needs to start a thread on how many names these vultures go by. KYSIDE38

Kyside, there may already be one somewhere, I'm sure there was...I think Tammy had a list at one time.

UCL is basically ignoring my letter with that reply. I sent them a reply saying it's obvious that they did not read it so here it is again. I get a reply back in all caps that said we read it now read ours again! I just sent them the letter again and I will keep sending it again, again, and again!! I'm just finishing up my formal complaint to send to the AG's office and the Commissioner of Financial Regulation.

Hudiva, United basically ignores everybody they sent a similar letter to my AG. Except my account was marked paid in full. They should have said paid up to the eyeballs all the interest these people got. KYSIDE38

I've overpaid them by $200. They are ridiculous. They want people to file complaints against them. Did you complain to both the NV and Ok AG's as well as WV?

No just WV. My AG is staying in contact with the other states on this one. KYSIDE38

This is the one Tammy started on the DBA names of Rio Resources.

http://www.debtconsolidationcare.com/settlement/about14929.html

I went through the ringer with UCL as well. They even used some of my replies in the forum in a response to a complaint that I filed with the BBB. I couldn't believe it but nothing surprises me with this company anymore. Be careful when dealing with them.

Thank you Trenity and Mishele.

Use my responses...i want you to use them ucl, rio, mte whomever you all are! If you are reading this know that i am not going to back down until these issues are resolved! :twisted:

HUDiva can you pm me a copy of your letter? What are you guys saying to get refunds?

I pm'd you a sample. Hope it helps!

HUDiva - could I also have a copy of the letter requested by ginurse? I'm just beginning my "fight" with pdl's and am attemtping to get a refund and a PIF from PayDayOK. Thank you for your help.

Bigcat. I'm also trying to get a refund and PIF from Payday OK. Last I heard I was sent over to their "Special Handling Team" Have not heard anything back. Where are you in the process?

My first contact with them was November 17th. I had sent them an e-mail with 2 attachments; one was a letter and the other was a spreadsheet showing all the loan activity since inception (2003). They replied and said they couldn't open attachments, and asked that I fax the information. I've since done that twice, and I've since e-mailed them 3 times...absolutely no response whatsoever. In my last e-mail to them this morning, I indicated that if they did not want to respond to me I would get my attorney involved and I would contact the Arkansas Attorney General. Also, in the last two e-mails I had typed the text of the letter and the summary of the loan information right in the body of the e-mail so there was no excuse for not knowing what I've been trying to communicate to them. Who responded to you and let you know you're with the "Special Handling Team"?

I originally started e-mailing them about the same time..November 17. I e-mailed them every day for 3 days until I finally got the following response:

Quote:

Have you reported them to your AG's office? Keep bugging them, put in a BBB complaint, and contact your AG.

I myself have had to deal with the Special Handling team. Try calling this number 866.612.4506 , press 3 when a rep answers ask for Christina M.

Were you able to get to mark you account paid Ginurse? Any success getting a refund? I am aggresively pursuing a refund with these people

Finally...this morning I have the e-mail from PayDayOK stating "We're sorry you're dissatisfied with our service. We consider your loan paid in full." I had also requested a refund of $2K, but there was no mention of that in their e-mail. How should I proceed to attempt to get at least a portion of what I've overpaid them? Or, should I leave well enough alone with the PIF action. Thanks to all!

Getting a refund from these people is not that easy as it is believed. You may have to kiss that portion of money goodbye and will never see it again unless you intend legal steps in this matter. Take the advice of an attorney and know the estimated costs. If the refund is a big amount, you may go ahead and file a lawsuit.