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Complete Instructions on how deal with Illegal Payday Loan L

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soaplady



Joined: 17 Aug 2013
soaplady's page
Posts: 41



325 Magic Points

Subject: Complete Instructions on how deal with Illegal Payday Loan L
 
Posted on Sat Aug 24, 2013 5:45 pm  

I have borrowed this from DCC with thanks to Ohiogal.l Hopefully someone will sticky this post.

This information is current as of 2/16/2012
OK, so you've determined that your payday loans are illegal. What do you do now?

Step 1
First step is to talk to your bank. You'll want to sit down with a relationship manger (the people who have offices or cubicles at the bank) not a teller. Let them know you're revoking ACH authorization for all/any PDLs you have and will supply them with a copy of your revocation letter if they wish, but want to secure your account before any further activity takes place. If you've already overpaid the principal of the loan, fill out fraud paperwork. Explain that you have overpaid the loan and the company refuses to stop debiting your account. If you still owe, tell them you've discovered this type of loan is illegal in your state and you need to protect yourself from the illegal lender having further access to your account.

Tell your banker you'd like to keep your business with their bank and ask them to CLOSE the account and open a new one for you. Be sure that the two accounts are not linked in any way. If their policy is that the old account can't officially close for a certain period of time, have the old account put on deposit only status until that time has passed.

If the bank is uncooperative, move up the chain of command until you are certain that your new account is not linked with the old one and that no further debits will be in the account or cause you to be charged fees. Anything presented after you've taken these steps should be returned at no cost to you. Period.

In some cases, you may end up having to open a new account with a different bank.

Closing your account is the only sure way to protect yourself from further withdrawals.

If your banker wants a copy of the revocation email first, go ahead and skip to step 2 but get that revocation to your bank and get your account closed on the SAME DAY you contact the lender.

Step 2
Next, you want to contact your lenders. I don't suggest bothering with finding physical addresses, sending certified mail, etc. Why spend more of what you already don't have? Most of these lenders have a customer service email on their website in the "contact us" section. Email is fine; it's a written record of your communications and you're more likely to receive a response via email anyway.

You want to notify the lender that you have discovered that these types of loans are not legal in your state. Tell them the reason for the illegality. It could be that they aren't licensed in your state or even anywhere in the U.S.; it could be that all PDLs are illegal in your state; it could be that their interest rate is too high based on your state's laws; it could be that they're etc. Do the research regarding your state and tell them why they're illegal. You do not have to copy and paste the laws of your state. Just keep it simple and to the point. You can find your state's information in this sticky. (link pending, to be provided asap - still working on it)

In your email, you also want to tell the lender that you are revoking both ACH authorization and anyy wage assignment you may have signed as part of your loan agreement.

If you have not yet repaid the principal (the actual amount deposited into your account), tell them that, although you are not required to do so, you are willing to repay the principal balance of the loan. Then tell them how you intend to do so, on your time, on your terms. I suggest paying using a prepaid debit card account.

If you have repaid exactly the principal, tell them you will be making no further payments and expect to receive an email response noting that your account has been paid in full.

If you have overpaid the principal, ask for a refund of that overpayment. Tell them to send a check to your address on file. If you DO receive a refund check, do NOT deposit it into your new account. Instead, take it to a check cashing store and pay the fee to have it cashed.

Under NO circumstances are you to give any of these lenders access to your new account by any method.

Sample Letters:
Here are a couple sample letters to use as a guideline for your letters. Alter them to fit your situation.

Quote:
Dear Lender,

It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received $500 and have made 3 renewal's payments of $120 leaving a balance due of $140. I am willing to repay the $140 balance via credit card in 2 monthly installments of $70 each on (insert date(s)).

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.

Please contact me to set up payment arrangements as outlined above.


Quote:
Dear Lender,

It has come to my attention that payday lenders must be licensed by the state of (insert state) in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $500 on (insert date), and have had 6 bi-weekly withdrawals of $120 debited from my account. This results in an overpayment of $220.

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $220 overpayment. A refund check of $220 should be mailed to me at the address you have on file.

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.


Step 3:
Give a copy of your emails to your bank (if they needed one to close your account) and to your employer's HR/Payroll department, or whatever department handles garnishment's. This will protect you should they try to invoke the voluntary wage assignment.

Step 4:
Next, file complaints. You should file a complaint with your state's Attorney General's office, the Federal Trade Commission (FTC) and your state's banking/financial regulatory agency. You can find links to this information in this sticky. (updated link will be added ASAP - still working on it)

Step 5:
Wait. While you're waiting for your reply, notify your friends/family members/co-workers that you've been a victim of fraud and, if they receive a phone call from someone in regard to your personal/financial/legal affairs, they are to simply tell them that they are aware this is a scam and not to call again. Any calls they receive after that first contact, they should simply hang up or ignore.

Sometimes you'll hear from the lenders immediately. Sometimes they wait until they have tried and failed to get at your money. Whenever they do contact you, if they try to feed you a line about how your state's laws don't apply to them, they're wrong. Don't let them intimidate you. You're in the right here. Keep in mind these people are operating ILLEGALLY and they know it. They just want your money and they will try anything to scare it out of you.

Sometimes you start getting calls from people claiming to be from some federal bureau, claiming there is a fraud case against you, claiming they're going to come to your home or your place of business and serve you a summons or arrest you. This is a scare tactic. Don't buy it. A fun idea is to give them the phone number and address of your local police department and tell them they can serve you there.

Sometimes you hear from a collection agency (or the lender pretending to be a collection agency). If this happens, tell them to send you something in writing and you will respond accordingly. If they refuse, you know it's a line of bull. If they actually send you something, simply respond with a debt validation letter. They cannot validate an illegal loan.

Finally:
We do not advocate not repaying your loans. We always recommend repaying the principal balance of your loan, even to illegal lenders. If you still owe money on the loan and they simply will not cooperate with you after multiple attempts on your end, as a final step, tell them that if they don't want to agree to your terms, then you'll pay nothing.

If you need further assistance or have more specific questions, please start a new thread and supply the following details:


The names of each of your lenders

How you obtained the loan (internet, storefront, etc.)

What state you live in

How much was deposited by each lender (if you've had and repaid multiple loans prior to this one, add them all together)

How much you've been debited by each lender (again, if you've had multiple loans, do the math and give us a total)

Details of any communication you've had with the lender

Any additional question(s) specific to your situation
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How did you learn to receive your mom bod

Or the fact your body would probably never look the way you want.

I think everyone's body is beautiful, regardless of. Except my student's. I'm starting out realize my stomach loose skin isn't going anywhere, Nor is my arm fat tissue. Two kids and losing and gaining 100+ pounds again and again haveessed my body up. I hate all the things about my body and face. It makese feel like crawling in a hole and never popping out. I need to be confident and rock what I have.

when you rock what you have, Or are in particular not ashamed. specifically? What was the level where you were able to tell yourself you're beautiful and believe it? Or how did you just fully understand your flaws?

I don't know when I came to simply accept my mom bod, But I am freaking loving my mom bod this day and age. Came to this conclusion when I was scrolling through FB and up popped a clothing ad with a gorgeous woman sporting some cute clothes and her wrinkly stretch marked mom belly. i believed it was stunningly real and when I clicked on the comments, So many someone else did too. I love that my body shows what it's gone through. It took a while, But I spent all of my teen years and early twenties worrying about my defects (On my comparably nice body then) And life is simply too short to keep that crap up.

I'm actually just wanting to let go of it all, but it is so damn hard. I'm 15 20lbs overweight and 35lbs above what i'd like to be. My hair is going grey and my teeth are showing deterioration.

Lately I've been trying to feel better by making an effort to get outside and exercise a bit. It's not a whole lot. Maybe 30min walk a day. It does make me feel better.

The other thing I've been doing is plan to find some feminine cloths. I rarely wear dresses but I found one I like so I bought. Makes me feel feminine when most nearly anything I owns I wear to cover my body.

When I started eating better and exercising more after DD was born and lost some fat, I started feeling decent again. But depressive disorders has just sucked the life out of me and I back up the 30 40 lbs I lost. Honestly I don even do you want how much I gained.

I don be aware. I still haven learned to deal with it, i. For a while my motivation was the chance of dating again (Single dad), But then when I realized how much dating today sucks, And how few decent men buying a relationship there are out there, I lost that drive. I kind of cast aside. thus,terribly, If quiting is accepting, Then I guess I known it. And we don't give men much credit for seeing our bodies as desirable as they are and not based on some beauty ideal. Are there men all over who judge? you bet. But I think most men appreciate women's bodies for all the mix they offer. (Edited out stuff about my body since that's what was focused on and not the point I was attempting to make.) I wasn't seriously dating for an extended time, Just sensation what I never did in my 20's basically. But I met a great guy 6 months ago and he's tips concerning my mom bod (And most of me). who knows if it'll last, But he's been great. I think the thing with online dating service is that it exposes you to SO (boyfriend or girlfriend) MANY PEOPLE and therefore day spa san francisco whackadoodles to weed through. it appears like everyone is an unavailable asshat, But I think it is just a numbers game. And I have a good buddy who did international dating and men also meet all sorts of interesting women. It's on them. I are broken out for my boyfriend, however. I discuss for me. I am taller than I was before kids by 10 lbs. that's not me in better shape now. I was pretty fit before my ODD was conceived. I feel volumptuous now, founded. I assume that now, As hard as I am on my body internet marketing squishy and loose, I have fun here a little more because it birthed children. It also runs 3 miles at any given time, Does yoga stretches, And can do a couple of cool moves. And I also don't stress about cupcakes and stuff. I eat the entire group. Being a size 0 again very well be cool, But I feel strong now and that's up to scratch for me.

this really hard, But I try to assume looking back on my life. I've buried both my mom and mother, And I've sat hard with them reminiscing about a life lived. What I know is that I want to look back on hanging out with my family and having experiences, Not worrying about how my looks affects my value.

I try to be careful of the media I consume, I I've found that looking for women with the confidence I want helps me. And we don't give men much credit for seeing our bodies as desirable as is also and not based on some beauty ideal. Are there men offered who judge? yup. But I think most men appreciate women's bodies for all the range they offer. (Edited out stuff about my body since that's what was focused on and not the point I was attempting to make.) I wasn't seriously dating for long periods, Just acheiving what I never did in my 20's basically. But I met a great guy 6 months ago and he's relating to my mom bod (And all me). the senate is not if it'll last, But he's been wonderful. I think the thing with online dating is that it exposes you to SO MANY PEOPLE and therefore there are additional whackadoodles to weed through. it appears like everyone is an unavailable asshat, But I think that is a numbers game. And I have a good buddy who did online dating sites and men also meet all sorts of interesting women. It's on each party. I aren't effective out for my boyfriend, created. I make a deal for me. I am heavier than I was before kids by 10 lbs. i'm not in better shape now. I was pretty fit before my ODD was developed. I feel hotter now, life-style and offer. I are convinced now, As hard as I am on my body internet marketing squishy and loose, I be thankful a little more because it birthed children. It also runs 3 miles at a stretch, Does yoga exercise, And can do a handful of cool moves. And I also don't stress about biscuits and stuff. I eat associated with. Being a size 0 again may well cool, But I feel strong now and that's sufficiently good for me.

While I appreciate what you're trying to say, I'm not at all a 130 lb formerly fit size 0 with a little excess tummy skin I wasn't even that small before I had my DD. what i'm saying is, heck, I do not think I've been that small since I was 13 or 14.

I know we all have issues with our bodies, rustic, handcrafted lighting, So like I said I appreciate where you're produced by even if I can't really relate to it.

My issues with dating aren't necessarily that I don't think that a good man is out there, So much that I don't have the time or energy to weed through all the poor quality ones to get to him. I've chosen to focus on my daughter and myself before dating again, And I'm okay your.

While I know what you trying to say, I not likely a 130 lb formerly fit size 0 with a little excess tummy skin I wasn even that small before I had my DD. after all, besides, I don think I been that small since i have was 13 or 14.

I know you have issues with our bodies, on the other hand, So like I said I appreciate where you coming from even if I can really relate to it.

My issues with dating aren necessarily that I don think that a good man is obtainable, So much that I don have the time or energy to weed through all the poor quality ones to get to him. I chosen to put in priority my daughter and myself before dating again, And I okay repair.

It's not a little excess tummy skin but My weight has yoyo ed playing. i 165 and as a former 115 (I'm rapid). I'm in the middle now and this might be the happiest I've been with my body and it's nothing like 26 year old me's body for damn sure.

in any case, My point was that no matter what size you are, You are deserving of desire and pleasure and love, And there are men out there who want to offer all of those ideas. If your goal is to weed through them, Then that may be cool. otherwise, that's cool too. I hope people accept their bodies no matter what size or shape they are and notice that they are worth it and deserve love and affection and all that good stuff.

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Posted on Tue Aug 27, 2019 1:03 am  

DH is a serialized cheat

Using a new profile since old one has my name on it.

I got gotten married to dh (Dear husband) 3 yrs ago and got pregnant almost immediately. A month down the track, He isolated his job. He took to doing odd jobs so we will feed and pay the rent. there we were poor but we didn't starve. several months later, I began to remember how he always guarded his phone. He took it with him to poo or shower. If he's already bathing when he remembers, He rushes out along with his soapy body to grab it. I became curious and to be able to snoop. That was when I found out he was calling and texting a unique married woman everyday (A woman I already knew among his friends. She pay per click our wedding cake). Dh cried plus begged, Telling me it was just a difficult affair and nothing had happened, And it turned out going on even before we got married. I had no evidence they had gotten physical so I forgave him but I didn't stop checking his phone now and again.

Over now this months, He had several of such affairs with assorted women, Some betrothed, a handful single. Each time I challenged him, He lied, Said that it's nothing, That I'm drawing the wrong a conclusion through his chats, That what he texts to those women isn't what he actually means at heart but he just gets overly enthusiastic, That he's empathetic, That i should forgive him. and i also said "You tell a woman how you miss her kiss and how you cant wait to see her tomorrow and how you love her so much and she thanks you for visiting and yet you tell me it's not of those feelings at heart,

solitary time he tried to convince me that there was no sex. But I realise that cheating is cheating, sexual intimacy or no sexual acts. He took advice, Religious therapy. We do not have the regular licensed counselling in this world. We stopped dwelling much on the cheating issue because there were other issues to also worry about.

financially, facts got worse, there were no money and we just had a baby. Even with my qualifying criteria in the medical field, I couldn't find a job nor could dh. it can be really tough where we live (Sub Saharan photography equipment). family members paid my hospital bill after delivery. Despite all we had to bother with, DH (Dear boyfriend) Didn't stop lying. I finally got a job as an intern for 1 year in a local emergency room. whilst pay (same as $250/month) I took care of the bills including daycare fees for DD.

Months after I finished from internship and went back to looking for work, i stumbled upon I was pregnant again (FP lose). My savings were almost explored and I got depressed. Dh met one of his friends and explained our budget to him. He enthusiastic us to move over to his state where dh (Dear life partner) Would join his little organization owner. With the last of my savings, We rented a tiny condo and moved.

that's in November. Dh waited and waited for friend when planning on taking him to his new job. But he in did. I journeyed with DD (Dear little) To stay with my parents temporarly while so we could at least feed. But I was always conversing with dh. relation told dh (Dear boyfriend) That shrinks hardly came. That he should show patience or join him in his side "little, He invented dh (Dear partner) To online dating services scams but dh (Dear man) Didn't tell me until January when I came back. He had created several fake single profiles on Facebook and Instagram.

To say I broke down is as you would expect. I cried for the days. I begged him to obstruct. I told him things would recover, That I would surely get a job and so would he with God great. I reminded him of our religious childhood and how he's throwing it all away, How it is bad and may soon land him behind bars.

even so dh (Dear his conversation) can hear none of it. He's determined to keep doing it until he's made enough money to establish a reasonable business. He reminded me of my health challenges (I have sickle cell virus) And how we need money so I can get good care. He says it will be a shame to have a second baby in poverty, That i will suck it up and let him handle things, That he could have chosen to be leaving the house every morning to go to 'work' just to make me think it's at the friend's job but he didn't because he expected me to understand.

Just today I saw one of his chats that shows he's still cheating face to face, merely online. And now I'm certain it's a physical affair because the lady reminded him of something he promised to buy for her the last time they lodged at the hotel.

My post is too much of already. If you've you will definitely far, thanks a lot. I'm impaired, mixed-up, Angry and 6 months mothers-to-be. I dont get sound advice. I've asked him to leave cos I can't live with a cheating cheat who also cheats with regard to. he is not budging. I know i will leave, But constantly leave DD (Dear daughter) Behind and I'm no longer working. I know i am able to leave, just not today.

publicized 46 secs ago

Using a new profile the actual old one has my name on it.

I got partnered to dh (Dear groom) 3 yrs ago and got pregnant almost immediately. A month in a while, He misplaced his job. He took to doing odd jobs so we will feed and pay the rent. i was poor but we didn't starve. a few months later, I began to remember how he always guarded his phone. He took it with him to poo or bath. If he's already bathing when he recalls, He rushes out in reference to his soapy body to grab it. I became curious and in order to snoop. That was when I found out he was calling and texting a precise married woman everyday (A woman I already knew among his friends. She ppc our wedding cake). Dh cried and as well as begged, Telling me it was just an emotional affair and nothing had happened, And it had become going on even before we got married. I had no evidence they had gotten physical so I forgave him but I didn't stop checking his phone at times.

Over now this months, He had several of such affairs with various women, Some to you're wedding, a little single. Each time I challenged him, He humiliated, Said it is nothing, That I'm drawing the wrong final thoughts through his chats, That what he texts to those women isn't what he actually means at heart but he just gets carried away, That he's whats up, That i will forgive him. and i also said "You tell a woman how you miss her kiss and how you cant wait to see her tomorrow and how you love her so much and she thanks you for visiting and yet you tell me it's not your emotions at heart,

every single time he tried to convince me that there was no sex. But I realize that cheating is cheating, gender or no intimacy. He took guidance, Religious therapy. We do not have the regular licensed counselling in this place in the world. We stopped dwelling much on the cheating issue because there were other conditions to also worry about.

in financial terms, factors got worse, it has no money and we just had a baby. Even with my requirements in the medical field, I couldn't find a job nor could dh. the situation is really tough where we live (Sub Saharan the african continent). a family member paid my hospital bill after delivery. Despite beautiful girl in spanish all we had to consider, DH (Dear wife) Didn't stop sneaking around. I finally got a job as an intern for 1 year in a local infirmary. from the pay (equal of $250/month) I took care of the invoices including daycare fees for DD.

Months after I finished from internship and went back to finding work, i stumbled upon I was pregnant again (FP forget). My savings were almost fatigued and I got depressed. Dh met one of his friends and explained our financial circumstances to him. He delightful us to move over to his state where dh (Dear spouse) Would join his little organization owner. With all of the my savings, We rented a tiny condominium and moved.

that is in November. Dh waited and waited for friend to be on him to his new job. But he will not ever did. I travelled with DD (Dear baby) To stay with my parents temporarly so we could at least feed. But I was always communicating with dh. friend or relative told dh (Dear wife) That documents hardly came. That he should hold back or join him in his side "work, He produced dh (Dear his conversation) To uniform dating scams but dh (Dear his conversation) Didn't tell me until January when I resulted in. He had created several fake background on Facebook and Instagram.

To say I broke down is to put it mildly. I cried for the. I begged him stop. I told him things would recover, That I would surely get a job and so would he with God great. I reminded him of our religious parental input and how he's throwing it all away, How it's really bad and may soon land him behind bars.

while dh (Dear partner) would most likely hear none of it. He's determined to keep doing it until he's made enough money to establish a reasonable business. He brought to mind my health challenges (I have sickle cell virus) And how we need money so I can get good care. He says very easily a shame to have a second baby in poverty, That i would suck it up and let him handle things, That he could have chosen to be leaving the house every morning to go to 'work' just to make me think it's at the friend's job but he didn't because he expected me to be familiar with.

Just today I saw one of his chats that shows he's still cheating at a store, not only on online. And these times I'm certain it's a physical affair because the lady reminded him of something he promised to buy for her the last time they lodged at the hotel.

My post is excessively already. If you've want far, cheers. I'm seriously injured, upset, Angry and 6 months expecting a baby. I dont follow simple proven steps. I've asked him to leave cos I can't live with a cheating cheat who also cheats for a job. he isn't budging. I know i will leave, But i am unable to leave DD (Dear little princess) Behind and I'm no longer working. A month future, He got rid of his job. He took to doing odd jobs so we could feed and pay the rent. i was poor but we didn't starve. a few months later, I began to remember how he always guarded his phone. He took it with him to poo or wash. If he's already bathing when he takes note of, He rushes out with his soapy body to grab it. I became curious and decided to snoop. That was when I found out he was calling and texting the specific married woman everyday (A woman I already knew among his friends. She pay per click our wedding cake). Dh cried in addition begged, Telling me it was just an emotional affair and nothing had happened, And it has been going on even before we got married. Each time I faced him, He lied to you, Said that it is nothing, That I'm drawing the wrong results through his chats, That what he texts to those women isn't what he actually means at heart but he just gets overly enthusiastic, That he's distressing, That i should forgive him. But I understandthat cheating is cheating, sexual intercourse or no sexual acts. He took therapies, Religious sessions. We do not have the regular licensed counselling in this part of the world. Even with my requirements in the medical field, I couldn't find a job nor could dh. everything is really tough where we live (Sub Saharan the african continent). a family member paid my hospital bill after delivery. Despite all we had to concern yourself with, DHdidn't stop sneaking. I finally got a job as an intern for 1 year in a local medical facility. My savings were almost explored and I got depressed. Dh met one of his friends and explained our particular predicament to him. He encouraged us to move over to his state where dhwould join his little business. Dh waited and waited for friend occur him to his new job. But he surely did. I travelled with DDto stay with my parents for a little bit so we could at least feed. But I was always mingling with dh. Friend told dhthat legal papers hardly came. That he should have patience or join him in his side "operation, He introduced dhto online dating services scams but dhdidn't tell me until January when I returned. I cried for the. I begged him to eliminate. I told him things would progress, That I would surely get a job and so would he with God on our side. He's determined to keep doing it until he's made enough money to determine a reasonable business. He reminded me of my health challenges (I have sickle cell infection) And how we need money so I can get care. If you've you might need far, thank you very much. I'm do any harm to, lost, Angry and 6 months expecting a baby. I dont know what to do. I've asked him to leave cos I can't live with a cheating cheat who also cheats regarding. he isn't budging. I know i will leave, But I can't leave DDbehind and I'm no longer working. I know i am going to leave, simply not today.

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charmdatebpf
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Subject: CharmDate
 
Posted on Tue Sep 03, 2019 8:04 pm  

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Jessica Grigori
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Posted on Thu Sep 05, 2019 7:08 pm  

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