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Payday loan hell in NJ - Received Refund

Date: Tue, 08/04/2009 - 06:00
Submitted by aubrey on Tue, 08/04/2009 - 06:00
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Sent all my letters July 27th. Three days later received $475 refund (overpaid above principal I owed) along with Confidentiality letter. They will send PIF letter upon receipt. What a surprise that was.

Waiting to hear from the others. Had a problem with cell phone and can't receive messages right now, and haven't received any e-mails.

Thanks to everyone here for your help. Will keep you posted as I receive responses.

There is life after payday loans......:D


Quote:

Originally Posted by aubrey
Sent all my letters July 27th. Three days later received $475 refund (overpaid above principal I owed) along with Confidentiality letter. They will send PIF letter upon receipt. What a surprise that was.
Waiting to hear from the others. Had a problem with cell phone and can't receive messages right now, and haven't received any e-mails.
Thanks to everyone here for your help. Will keep you posted as I receive responses.
There is life after payday loans......:D



If you don't mind me asking, what tactic did you go about to get your refund? I am looking at a potential $1000 refund and I am fighting with JHS/BMG's rep Chuck (who always seems o be the rep I get stuck with) on a pdl that I had for $150 over 1.5 years ago!!

Thanks!


Submitted by on Mon, 10/26/2009 - 12:08

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When I faxed/e-mailed my original ACH revocation letter, I stated in the last paragraph what I had borrowed, what I had paid and that I expected a refund for the difference within 5 days. Worked with the one pdl. Was I ever surprised! Didn't work with Eastside and they sent me to collections (that Smith Watson firm). U S Fast Cash keeps sending me e-mails for $510 when I only owe them $30 and they don't give me an address to send a money order/cashier check. They've been e-mailing me regularly since my 7/27 letter was sent. I just ignore them, after trying to respond.

One click owes me money but I've heard nothing. So except for Eastside, I'm basically done with my pdls. Now on to credit card settlement.......:p


Submitted by aubrey on Tue, 10/27/2009 - 05:59

aubrey

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Good Morning!
I saw this site last week, and yes I am in the same payday loan boat.

I just found out they are prohibited in NJ. I would not have know if I had not been looking for a solution out. And since I have found out so much information . I Thank you all.

I have 5
Ace- 250- pay off- 325 -paid already 425 plus 50. paydown
Beacon-250-pay off 325- paid already 300
Ameriloan-250-pay of 325 - paid already 300

And this is my second take out of a loan on each of them I paid off and got another loan with Ace it is my third time with them!!! No wonder it was easy to get!!!!

These are the other 2
Payday loan yes- 200- paid 120 -just got them
ABCpayday loan- 200 paid 120

Please someone tell me what I can do . I see some of you were talking about a letter?? where do I find this letter. Some say to close my account!!! God Bless you for all your information...


Submitted by on Tue, 01/26/2010 - 07:15

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Good Morning!
I saw this site last week, and yes I am in the same payday loan boat.
I just found out they are prohibited in NJ. I would not have know if I had not been looking for a solution out. And since I have found out so much information . I Thank you all.
I have 5
Ace- 250- pay off- 325 -paid already 425 plus 50. paydown
Beacon-250-pay off 325- paid already 300
Ameriloan-250-pay of 325 - paid already 300
And this is my second take out of a loan on each of them I paid off and got another loan with Ace it is my third time with them!!! No wonder it was easy to get!!!!
These are the other 2
Payday loan yes- 200- paid 120 -just got them
ABCpayday loan- 200 paid 120
Please someone tell me what I can do . I see some of you were talking about a letter?? where do I find this letter. Some say to close my account!!! God Bless you for all your information...


I am assuming you are from N.J., therefore, ALL payday loans are prohibited in your state, click the link below to read your payday loan laws:
http://www.paydayloaninfo.org/stateinfo/NJ.asp CLICK HERE to find out how to deal with illegal lenders.


Submitted by Shazzers on Tue, 01/26/2010 - 08:49

Shazzers

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Yes, I am from Jersey!!
I am also new to this so I may have put a note somewhere else. I was lost, sorry!!!
what letter do I use for these payday loan companys??? I looked at the letter list but not sure which one to use.. I want to get them out before next week.
Please help!!! and Thank you so much!! I have been reading other posts.
I will close my account this week!! You said to ask for a Hard Debit close. right!!


Submitted by on Tue, 01/26/2010 - 11:21

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