I have spent days and hours on this site, taking notes and following instructions. I am hopefully headed toward the right direction.
To start off, I have 3 outstanding loans (all tribal) Great Plains Lending, Big Picture Loans, and Loan@Last.
I was previously living in New Jersey when I received my 8th loan from Great Plains Lending. I now reside in North Carolina. While living here, I obtained loans with BPL and Loan@Last.
I have read that both states, these types of loans are illegal.
To my point. - All 3 loans are outstanding, yet I have paid more than 3 times the amount borrowed on each. According to the posts, in both states, I am only required to pay back the original borrowed amount.
I have just emailed all three agencies and revoked ACH, using a template found here, requesting refunds for the over payments. Including the over-payment amounts for the other 7 loans I obtained from Great Plains Lending, which I highly doubt I would be getting any refund on any over-payment, (it's A LOT)
As soon as I emailed these request, I received the automatic return emails from GPL and BPL, requesting the 24 hours before someone could get to me, but yet to receive and email response from Loan@Last. I used the email on the Loan agreement, "CustomerService @###" but I am concerned they are purposely neglecting the email.
After sending the revocation/refund email, I contacted my bank "BoA". I have read the posts regarding the issues with BoA not allowing a revocation, but wanting to charge $30 for a stop payment on each transaction. Low-and-behold, that is what they are telling me as well. I need to close this account, but it is impossible.
However, I did join another bank, and my direct deposit will reflect that account only.
My questions are...
Has anyone successfully contacted Loan@Last using the customer service email address?
Has anyone successfully closed out their BoA account?
Has anyone ACTUALLY received a refund from any tribal PDL company?
My main concern is closing out the BoA account so I don't end up with hundreds of dollars in NSF's.
Thank you,