T&c finally

IF I were you I would definatly stop payment on the PDL's. Some of them might say they will accept payment arrangements and then try to debit your account any way. Then you may also want to send a letter stating that you are revoking any further debit authorizations from your account. Definatly communicate with the PDL's and tell them your situation.

I cannot advise you what to do as far as stopping payment, as that could cause more NSF fees to be applied to your payday loan, but I will let you know that you should allow at one pay period for the creditors to be working with your counselor. It's great to hear that you finally have the contract signed with a debt consolidator. Please keep us informed on your progress.

Regards
Mike

Calling them payday lenders will be a good move because you should make them aware about your moves. If you do something on your bank account without informing them, they will think that you are trying to avoid paying them even though you are trying the same. They will sound tough but anyway, you have decided your move. Their is no harm in informing them. And if they agree to work with you, good for you only.

I recently have gone through the same thing, and I called & emailed and let them know I was enrolling with a credit counseling service and they would be getting proposals from them soon. 2 of the PDL's were ok with it, and I haven't heard from 1 of them. I only have 3 outstanding which is too much. Ask T&C what you should do, in my instance I had to close my checking account because of identity theft reasons, so my closure was valid and for other reasons of not owning up to my responsibilities on the debts I owe. T&C may advise you as to how they prefer their customers handle the specific situation. Good Luck.

Everybody's situation is different and everybody has different views on how to handle the checking account situation. Paulisgirl is right, discuss with your counselor about what you should do. My counselor told me to close my account and I'm glad I did, because two of my PDL's made checks and tried to pass those through my account for the full PDL amounts plus fees prior to receiving their first consolidation payment. Above the signature line it stated signature not needed per agreement.

I called some of the pdl company & told them about my situation. I told them that my house is in a pre-foreclosure proceeding and all the money that I have will be for house payments and I don't have the money to pay even pay the interest that is due today. I told them that I have no intention of running away from my debts and I'm working with a debt consolidation company.

Some of them were compassionate

Nationwide Budget Finance ??? doesn't want to accept payment arrangement and the lady that I spoke w/ told me that they will not entertain settlement. They said pay at least the interest w/c is $90 & will hold my check until tomorrow.

Check City ??? I was able to make a payment arrangement of $100/mo but when I ask for how long and how much would be the addl interest, the lady refuses to tell me. She said make a payment for 2 months and then she'll let me know.

Ace Cash Express ??? Very nice lady. She gave me a number where I could do a pymt arrangement but I was on hold for a long time. Anyway, when I call her again she said she will hold my check for 10 days until my consolidation company contacts them.

Speedy Cash ??? Don't do payment arrangement and doesn't want to deal w/ counselors. The only thing they can do is deposit the check, if it doesn't clear then they will send me to collection. Force me to pay at least the finance charge of $54.00

Budget Loans ??? kept calling but their manager is always not there. I'll try again later.

Ace is ACH, and I'm safe with them for another 10 days. I have to put a stop payment on my checks for Speedy and Nationwide and that would cost me $70 bucks.

Do we have a template that I could send to my bank to stop the ACH from ACE just incase.

4 down 9 to go. Actually, with my 5 other I'm still current because I already mailed them a check.

With Cash Central, Your Credit, Decatur Finance and Lucky Cash Central, I'm not sure how to handle. I always send them a check and I'm not sure if they are do ACH or what.

Please advice. I still have to come up with money to pay for T&C's fee.

ChicagoBabe, Here is a draft of the letter I sent to Cash Central, they were ok with it. I got it from Pollyandsay.....Anyone know is she back or coming back? She is wonderful and such a great source of information she helped me greatly(pass on the praise from me if you know her) Pauli'sGirl
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Way to go Chicagobabe!Now maybe some of the stress and worry will start to leave. It just takes some time,but it is well worth the wait to have that burden lifted.Good Luck :D ...Karen

Thanks to everybody who gave their advice and kind words. I really appreciate and I love this forum. I hope that this is the start and though I haven't really accomplished anything yet I really feel great. I'll keep you guys updated.

Stick around chicagobabe, this place is addictive. We love having you here and sharing your experiences.

Can someone please provide me with their number? I really need assistance in trying to consolidate.

T&C called me last week but I tried to call them back and I get the wrong number. Anyone can tell me how I can reach them?

Alexandra - check your PM

How do I check my pm?

Toward the top of the page (either left side or right side) on the menu under members it should say you have *** new message. I know you have at least one because I pm'd you.

Depending on what side you have your menu bar setup on..right or left. Under where it says Members, the second bullet point should say you have a new message. It's right under the logout option.

I found it. Thanks.

My credit counseling agency told me they can't help with payday loans. Is there really help out there? I'm desparate and thinking of quitting my job and pulling my pension to pay them off. --I don't really think this is the way to go, but I have more going out than coming in and I have not idea what to do.

Rainbowseeker check your pm.

I was able to sleep sound for a couple of days after I contacted T&C and finally send them the paper work and the fees, but today my nightmare came back after finding out that my account is in negative status.

Some of the pdl company who promised to hold my check until my counselor called them deposited my check. I am really closing my account. It????????s just that I am waiting for some transactions to clear. Now I don????????t know what else to do. I am worried that other pdl company will deposit their check and will leave my bank account in bad status.

To top it all, my boss got 8 messages from 2 pdl company this morning asking me to call them. Can they do this even I already told them and mail them the letter to call me at home & not my work.

Any advise would be appreciated.

ChicagoBabe, Under Illinois State law (I assume by your screen name you are in Illinois), the PDL can only charge you once for a return check fee regardless if they send it through once or 300 times. This also applies to ACH debts by PDL's. That charge cannon exceed $25.00. Once you have defaulted you have a right to request a re-payment plan. In addition they MUST grant that repayment plan. See the links I posted for you ( http://www.debtconsolidationcare.com/mystory/pdl-nightmare.html ) in "My Story" for specific information. Also, in Illinois, YOU CANNOT BE ARRESTED FOR A CHECK TO A PDL BEING RETURNED. Illinois has some fairly strong laws to protect you, but you will need to assert your self to enforce those right. You may also want to contact Attorney General Lisa Madigans office for assistance, as well as the Illinois Department of Financial and Professional Regulation. Feel free to PM me if you need more help.

Hi Clay,

Sorry but I am from Las Vegas. Any advice.

Hey, Just registered and wanted to know the Number for T&C. I too need help. Great, Great site.

I got in contact with them as well and I am sending my payment to them by next week. I hope that they can do something with these payday loans I have.

Help please? I need the number for T&C. My father has serious payday loan debt problems and I been trying find someone he can talk to who can maybe help him consolidate them? If someone can PM me the number or email it to me then that be great. THANKS so much

email address removed as per forum rules - Tammy

Theses loan sharks keeps on calling me at my boss's number even I told them not to. I mailed them a letter explaining my situation & told them I'm with debt consolidation company. Embarassing but what can I do. Who should I call to report this. Please help.

The only way is to ask your debt consolidation company to take care of them. Normally, the lenders wait for a couple of payments from you before the calls die. Unfortunately, no breaking of fdcpa laws can be applied on them. That's the way it is!

I found out that some of my lenders are not licensed in Las Vegas and they are the one that harrased me most. Even after I sent them a certified letter telling them my situation and that I am with a debt consolidation Company they still harass me at work. I called them today to ask them not to call me again at work. I told them about the company that would call them and make payment arrangement.They said their policy is not to talk to anybody but me regarding my loan and I also signed something....how come they keep leaving voice messages at my boss's phone. I told them that I signed something authorizing my Consolidation company but they said instead of paying a consolidation company I should save my money to get a lawyer cause I will go to jail. I know it is bs but still upsets me. How can I avoid this embarrasing calls.

Hang in there Chicagobabe.

The worst thing you could do is stress yourself over this again and again.

...Just put two thumbs up. Smile and be happy, for one you have a great site to help you out with your problems. And this is one of them.

...Even I, can't deny I fell into the debt trap and have about 11 different (7 online - 4 actual loan companies in my state) that I owe, close to about $3,000.

Here they are:

- FSM Processing
- Arrowhead Invest
- Payday Services
- Timber Hill Invest
- ICS
- Payday Select
- XTra Cash Debit

- Regional
- Banner
- ACE
- Cash & Go

...You know I do remember one day, everything was working fine, and all, paying everything on time, and all of a sudden "WHAM" - debt hell.

...Anyways, enough rambling... If its possible can someone give PM me the information to consolidate these loans as soon as possible?

The quicker the better as they say! =)

Yesterday I received a letter from Rapid Cash telling me that they don't deal with debt consolidation because the payment is too low, I also received a call from Ace Check Cashing And Nationwide that they do the same. I am thinking why they wouldn't, better than nothing cause i have nothing to pay them. The total interest I need to pay for those 3 are $300, and I have 13, I really need all the money now because my house is in foreclosure proceedings and I'm 2 months behind on my car. The calls are non-stop and my answering machine at home and my cell phone are full. I'm scared to listen to their messages now but if I don't talk to them or return their call. They will definitely call my boss. Any advice.

Avoiding the phone calls is just a temporary solution and won't be of any help. Since you have the loans from these lenders, your best move is to talk to them and explain your problems. If you avoid their phone calls, they will get this feeling that you are avoiding the payments intentionally. Even if they plan to offer any arrangements in the future, they won't propose anything because of the present situation.

Call the companies and know what their reply is after explaining your situation.

aciotsf, I already explained to them my situation but they don't want to stop. I even sent them a copy of my foreclosure letter but that doesn't help either. For them, all they need is money. I owe them so I need to repay them. I have all the intention of paying them back, I just need more time and a smaller payment. If I continue to keep all my pdl in good standing (meaning..pay their interest on time) would be the end for my family. I would lose my home, my car and everything. Now I'm feeling I don't need the service of my consolidation company anymore because I'm the one whos doing all the calling, follow-ups and payment arrangement. (kidding).

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Never ending threats, when is this going to end. Got another call from YOUR CREDIT, CASH CENTRAL AND DECATUR FINANCE today. Same thing, I told them that I am with a Consolidation Company. They said they don't deal with Consolidation Co. or credit counseling and they also don't do repayment plan. According to them, I signed a note that if I Default on my loan the ENTIRE BALANCE is due at once. If they refer this to to an atty, I am also responsible to pay atty fees & other expenses they incur while enforcing any security interest. They can also garnish my wages w/c is equivalent to 25% of my gross monthly income.

I hate to say this. Save your money, do what you have to to save your house and car and see a lawyer, file bankruptcy. MAKE CERTAIN YOU UNDERSTAND WHAT GOT YOU HERE, AND DO NOT REPEAT THOSE ACTIONS OR BEHAVIORS.

I'm sorry to "yell", but I NEVER recommend people file for bankruptcy, but it really appears you are too far in the hole , and don't have enough time for consolidation to be much help.

can somebody please give me a number for T&C..
thanks

Can someone tell me how to get a hold of someone regarding debt consolidation. I have a few payday loans and would like some assistance in resolving them. I am current and have never defaulted, but can't afford to keep paying just the interest. I live in Nevada. Thanks.

Chicagobabe, What does T&C say about all this, they told me to have the lenders contact them directly, however I haven't heard back from TopTenDollar since United Legal Corp jack@$$ called me and told me they don't deal with consolidation co's. I figure it T&C is sending the money and they are cashing it they are accepting the payment plan....if they are getting the money and don't deal with the consolidation co's is the PDL sending the $$ back to the consolidation company??? if so then where is the money going to? Pauli'sGirl

Hanjen, if you registered with this site, someone should have or will be contacting you via the contact numbers you left, regarding debt consolidation.

Thanks Paulisgirl. I registered a few days ago, but haven't received a call yet. How long does is usually take. Thanks.

One of my pdl doesn't want to cooperate and asking for too much money. When T&C called them on Oct2, they said they want 20% of my loan amt ($490 but is now $580 due to some fees). T&C did not called me about this, I just found out when I got a letter from them yesterday and have until the 15th to pay or they will take me to court. I called my pdl and now they don't want the 20% but 50% of what I owe and the remaining 50% after 2 weeks. I called T&C this am and asked them what should I do and asked them how come they never informed me of this. The lady who got my call put me on hold for 30 mins and then told me to pay my pdl cause they can't do anything about it. They said my account w/ the pdl has been in collection for a long time.
And who's fault it is. I've been sending my payment since Aug but they only decided to pay my pdl last week. Very nice.!!!So what's should I do now. T&C's response really upsets me and I really need a good advice on how to handle this situation.

Hi chicagobabe, T&C took your file after revising the status. Now, they have made a very unfair response to you. This is not what you hired them for. They should have verified that the account was in default for long time. I feel for you on this. You don't want to go to the court for this. Call the lender and put some money towards the account. This may help for the short time and make your account current. Then you can try to work out some arrangements with them. This is what comes in my mind at this stage.

Is this a storefront or internet pdl?

I'm starting to get scared about being with T&C. CASH CALL just called me and even though they have received payment from T&C they denied the proposal because they don't deal with consolidation companies. I don't know what to do....If any of us had the money we wouldn't be trying to consolidate our payments to get them all paid. Has anyone dealt with Cash Call. The woman wants me to call her back to make payment arrangements with her directly. I need advice before I do so, does anyone out there have any for me. My other issue is is that if I make arrangements with her directly and pull it from T&C will my payment with T&C go down, I can't afford to do both? I'm waiting for T&C to call me but I know that may not happen today.....Sorry I'm Panicing now.

I am so mad right now. My boss called me to his office with my HR manager just 5 minutes ago. I thought I was in big trouble only to find out that I'm in deeper sH*&(*. ACE CHECK CASHING called my VP, my manager III and our HR and please don't ask me how they got te number but they did.
With my manager, they left a nasty message saying my manager should take me downstairs because someone from clark county deputy or something will come and get me because I defaulted on them. That the company should terminate me for STEALING money. My manager called HR cause theya re not allowed to discuss any personal matters w/ employees but they have to let me know what's going on. I AM SO EMBARASSED. My company doesn't care about it and they are not going to terminate me but AHHHHHHHHHHHH. I am fuming mad I just want to go to ACE CASH and choke who ever left that message. T&C told me this morning that they've already talked to ACE but what the F&*$ is going on.

can anyone give me Nevada's AG's phone number again. I hope they are still open because ACE will really pay for what they did.

Nevada Attorney general website : http://ag.state.nv.us/

and this is the Nevada State Regulator website

http://www.fid.state.nv.us/

I have not had anybody contact me from here yet. I really would like to get this T&C companies phone number. I also need help with 6 payday loans. I would like to get something going before my next payday which is a week away. can anyone get me their number?
And how much do they charge?

There is a $155.00 retainer fee that is refundable once you complete the program. Are they internet or store front?

Thanks Tammy. I already called them yesterday and filed my complaint against ACE. I also called ACE and asked them not to do that again. The lady that I spoke with was really rude and told me I can't tell her what to do & she will call anyone if she wants to to collect the debt I owe. She even told me that because I "upset her" she will send my case to bad check div this morning. I called T&C before I go to work this morning and asked them to handle the situation. I'll keep you guys posted.