is anyone aware of payday loan co. giving your bank info to third parties claiming you authorized debits?

I applied at a payday loan co. and 3 times I ended up with debits from my account. Twice was for $19 for applying but the kicker is when $49.99 was taken from my account for a secret cash card? I found out where it came from and they claim I checked yes to one of the boxes on a payday loan appl. authorizing this third party company to send a check through my bank ordering a secret cash card thats a prepaid debit card thats suppose to give me online privacy when purchasing and protect me from companies and people from getting my personal info. Now it seems like I need that very protection from the stupid people thats selling it or fraudulently debited my account! The bank told me that when I applied for the loan I authorized the third parties to debit my account for various things. My thing is If your applying for ONE thing such as a payday advance how can it’s friend tom who sells shoes, joe who sells dog food and mary who sells secret cash cards legially take that money out my bank ?
Besides if I needed to apply for a payday loan then I didnt have money in the first place for no secret cash card and the funny thing is I never even got the loan!

Can I take legal action against a website that stole my information and sold it?

The other day I was looking at payday loan sites (yes I know terrible idea) and I found one that interested me. I filled out the information they asked for (including my SSN and bank account number) and after I submitted it they immediately told me I didnt qualify. Right after that my inbox got flooded with spam. I get about 300 spam emails a day now. I also keep getting phone calls and texts that are just spam. Somebody also tried to access my bank account but the bank stopped them. I confronted the website via online live chat (their phones “are not currently working”) and they swear up and down they dont spam and that its not from them. It has to be though because I never got spam before that and a majority of the spam was for payday loans. I want to know if there is some kind of legal action I can take against this site. Hope somebody can help me! Here is a link to their website

http://personalmoneystore.com/Payday-Loans/

They stole it because it was a loan application. They sold it to a bunch of spam sites so yes, I would consider that stealing. Seeing as they do not provide loans and just spam you, I would consider that stealing.
Wow spammers are so fucking retarded. Im asking if I can take a spammer to court and I get a bunch of spam replies offering me loans. I hate the internet.

When is the best time to file bankruptcy?

I am a 27 year old who has a great job, yet has found himself in trouble with STUPID payday loans. I have a finance degree and cannot believe i have found myself facing this taboo topic of bankruptcy. Though i make good money, i cannot pay off these loans nor my bills. i feel bankruptcy will enable me to afford the simple things…i.e groceries. i have a meeting next week, i feel its my only choice…yes, my debt is consolidated and thats not helping…and creditors still call my work

I need to borrow £2000 very quickly.?

I have tried payday loans,provident,shopacheck,yes loans,welcome,tenant loans etc but to no avail.I need to find a loan shark or someone who is willing to lend privately to me.My credit rating is bad for various reasons.I don’t care what interest rate I pay but I just really need the money.I have no parents to ask for help.Please dont advise me about not doing this as I know its risky but I dont have an alternative.Thankyou for any links to someone who may help me.I appreciate it.

Will the bank tell a Payday loan company holding my check about my savings account?

Yeah I was dumb, the checking and savings where never tied together.The payday loan tried to force it open, before the due date of the check, so I closed out the checking account,yes I have to pay them but not thru my savings account? The payday loan co. is not giving us the time they promised, an never tell you of the hidden costs,the savings is to pay for new teeth, when my dental work is done, which is $700. the Cardiologist told me I needed this done,for the teeth are causing damage to my heart an blood chemistry,I’ve already paid half of dental work,I must use the savings accuont to complete the dental work,would the bank tell the Pay-day loan co.about the savings account?Is the bank requried to tell them? plzz need your help, thank you,very much.

A man called me saying that I did not pay a payday loan and legal action was going to be taken against me…?

A man called me from an unknown number. I did not answer, because I don’t answer unknown or blocked numbers ever. He called twice then left a message. He said that he was looking for [my name] concerning a sensitive matter that he could not disclose on my voicemail. He then left his number which was (646)525-4064 and said that if I did not call back, he would assume that I was trying to escape the law and this could put me in a “big mess”! It sounded suspicious but I did call back anyway.

When I got on the phone, he told me that I had been named the prime suspect in some case involving social security numbers. Oh, he was foreign so I couldn’t even understand everything he was saying so I would have to ask him to repeat it. Then he said something about Big Payday loan filed a suit against me because I had not paid a loan back that I took from them. Last year, I did take out quite a few payday loans, but my credit union helped me pay all ELEVEN of them off and I haven’t heard from anyone since then. He said they had emailed me but I had not responded back. I am trying to run far far away from payday loans because they almost destroyed me, but I never took out any loans with this company. When I do receive emails, I usually unsubscribe so they don’t mail me anymore or send them to spam. I searched my emails to make sure and saw their name a few times where they sent an email for me to take out a loan, but they were just generic emails to attempt to get me to take out a loan. Nothing else.

Anyways, the man said that he worked with legal consulting company to help rectify this situation before legal action is taking. He said the name of the company, but I can’t remember it for the life of me. I also did a reverse phone number lookup and it was a cell phone number out of New York. But anyway, I ended up cutting him off and telling him I don’t owe any more loans, thank you, and hung up. He then called me back twice. I didn’t answer anymore and he left me two messages. The first message said something to the effect that the cops were coming unless I attempted to pay my debt. The second one just said something about call him back so we can discuss my options.

My question is…is this some kind of scam going around? And can I report this character? Also, if I truly still owed a payday loan, wouldn’t the company do more than try to send me emails? Wouldn’t they try to call me and tell me? I’m not scared or anything. This is just crazy to me so I just wanted to ask questions concerning this issue so maybe someone can help me. I am not calling him back. I’m thinking the payday loan companies are mad, because I paid off my debts and not requesting any more money neither am I responding to them anymore…I don’t really know what’s going on….

Anybody with any insight, please let me know….
Thank you for your answers…No, I did not give out any information guys! I hung up on him and that’s when he called back and I did not answer!

is this true? canyou go to jail for a payday loan?

Ok, I applied for a few payday loans awhile back, but never actually got one. I never signed any agreement or whatever. Today I get 12 messages on my answeing maching from some guy in california (i live in vermont). He told me that I now have a lawsuit against me because I took out a payday loan, and never paid it, but i never had a payday loan!! Then he said I am going to be supenad (sp?) into court, a court in california, and if i dont show up i will be arrested. I dont get it? How can i have charges for a loan I never even had, or signed for? How can they make me go to court in california, when i live in vermont. Finally, since I am pretty sure this is some sort of scam or something, who should I call to report these jerks? I live in Vermont thanks
I did ask for proof, and the guy said “you’ll get your copies in court”, and i know i didnt have a payday loan, i did apply for a few, but never was apporved, or went through with it..but they keep calling like every 15 mins, is there anyone i can call to report them? to make this stop?

if youre being trick like scam like payday loans how can u stop it or protect youself ?

where can I find a real guaranteed unsecured personal loan for people with bad credit other than citifinancial

I’ve tried alot of these speedy loans and bad credit loans and citibank and am coming up with nothing. I don’t want to have to pay for anymore loanfinders and I’ve even ran into a scam or two. Somebody please give me some advice. And no payday loans either! Please!

A “law office” contacted me about a payday loan (that I forgot about). They said they are with Mark Goldberg?

They said the outstanding loan was sold to a broker because it was an unpaid debt. It is for $300.00. I am willing to pay it but, I am hesitant because they are asking me to deposit the money into the law offices account via Bank of america. The gentleman sent me a letter of agreement via email. I asked him if he could send the letter to me via mail which he said he would. He could not tell me which loan place the loan originated from (I only know one payday loan place it is) which i contacted and they said the account was sold to a broker. Should I pay the debt or does it sound like scam? I have already had this happen once.

can you tell me the fastest payday loan company?

can you tell me a fast simple payday loan service not a refferal spammer service an actual loan provider thanks i am in georgia

Are payday/cash advance loans prohibited in GA????

I have been on the internet for days now looking for a location in GA for a payday/cash advance…I have come across many websites, but all have the fine print..none can be done in Georgia. Can someone please refer me to a payday/cash advance location in GA??

Does anyone know the site for filing a claim for the class action suit in Pennsylvania against Advance America?

I received a post card in the mail regarding the class action suit against Advance America for Pennsylvania residents who took a payday loan from them and were charged exorbitant rates. I lost the postcard and can’t find any information about this suit, only the one in Georgia. Anyone know where I can go?

Someone keeps calling my phone saying that they are a lawyer?

A lawyer keeps calling my phone saying that a payday loan company based out of California has my social security number and all of my information. They are saying that I took out a $250 loan and a $1,500 loan with them and have not repaid them. I can barely even understand this lawyer person because he is a foreigner. I do not even know where this is coming from because in the state of Georgia we cannot take out payday loans and no one can give us a payday loan. He is saying they are going to sue me for $8,000. I don’t know what to do!!!! Please help!!!! Is this person even legit. He won’t even tell me about the website that I supposedly got the loan from.

can a collection agency have a warrent issued for my arrest if i do not pay on a loan?

i made a payday loan four and half years ago using a post dated check and they are telling me that if i do not pay that they will issue a warrant for my arrest. they are located in Atlanta Georgia. Do they have a legal leg to stand on to recoup their money in this way

Who invented payday loans?

I’m only asking, is because I’ve been trying so hard to get out of them. I do at one point,. But that’s only by closing my checking account and than settling it by a fraction of the cost. It’s quite aggravating! The interest is so high. You have to take out a payday loan to pay off another one sometimes! I mean a lot of people have money problems, I Just wish I never had gotten into it. Is anyone else in this situation? And how did they get out of it? I have a cash advance opened through my bank account..and I’m trying so hard (without being extremely broke) to get out of it. It’s not even high.

overdrawn on my checking account by $800.00us just lost my house and do not know how to get out of this. help?

i filed bankruptcy and am trying to figure out the best way to pay this without a payday loan which would make matters worse

Payday loans question?

My friend has to pay 94 dollars or else he goes to jail. He has a savings account but not a checking account. Is there any companies that he can get roughly 100 dollars from without writing a check? Can he write a check from his savings account? He makes roughly 2,000 a month. We’re outside of seattle, wa

what can I do about unauthorized checking account with drawls form unknown businesses?

I had to get me a payday loan over the internet.Everything seemed fine and I got the loan,but 2 days after the loan money was deposited in my account,”companies” , I don’t even know, started to with draw money, for different things, out of my bank account without my knowledge. At first I thought it was just a mix up in the account number or something like that, but it happen 3 times, always a different company. I did get a refund from one of them,and still waiting on a refund from the others.But the last transaction from one of them left my account with an overdraft fee.
What can I do to stop these actions? without closing my account.
I’m almost afraid to deposit any more money into my account,but yet, I have to pay for the overdraft fees the banks charges me.
Can I contact the BBB and report the Loan company as ” illegit”? or report the companies that withdraw money from my account?
Can I take any legal actions against those companies? if so, how would I go about it?
Please don’t give me answers like; “you should have known better” or “how dumb can u be”.
At this moment I need “helpful answers” not a “blame”.
Thanks for all the answers,and I do apreciate the first 3 I have received,thank you.
The restof you did NOT give me an answer to my Question, but rather gave me “New Offers” to get a loan, with their loan company.
I did NOT ask “where I can get a loan”, Read the Question! Please.

I need to know if a payday loan company can legally charge 125% interest without telling you in the agreement?

I borrowed $ 200 from an online lender and the agreement said my total repayment would be $260.
I thought that was a bit steep as is. so I called on the phone and was told that that is the total charges i would be required to pay. now that the loan is repaid they say the $260 was just the finance charge and now I owe another $260. I refuse to pay 520 dollars for a $200 loan. What are my rights? they have my checking account # and the payments have been coming out eletronically.

payday loans…. Not check loans sorry.?

I got two payday loans and you have to write a check without money in the account to get them. My bank closed my account because they charged me over $285 in overdraft fees for a $10 preauthorization. I am fighting with the bank over this as it should not have happened. In the meantime the two checks that are in payday loan will be deposited to my account. Since it is closed I want to know how much trouble I am going to be in. I do not have the money to pay them in full.

I have bad credit..Payday loans messed up my bank account. I need money by Monday 5/14/07 help?

I need aloan to pay off my childrens tuition, pay my summer tuition, and reregister my girls for the fall. I have a great job, but had a family crisis( oldest daughter got Lukemia) and I had to pay for treatments til Medicare was approved. I had a few payday loans, payng on time, until one of them went in a day early and tried to get their entire balance. That was not the arrangement, and they messed up my account, which caused a trickle down effect on every other account that was ACHed from that account. Not to mention the bank bounce check fees. I am working on getting those items corrected but now I need $4000. Any idea where I can look…fast. Without this last payment, my daughters will not be able to take finals and they will have to repeat the entire grade. I can verify all I have said. Please no scam artist saying they can give me a loan at 3% knowing they are going to charge me for living in the US and you will never see the money. ( They are on report now)
Did you read the part about the bad credit. I need lenders almost like loan sharks that will lend to anyone, like me with bad, terrible credit. I am considered high risk. I need a lender who will give me a chance despite my credit score.
Let me express something. I have no family, part of my debt comes from the house that was forclosed on when I had my stroke, and I loss everything in it, and the payday loan thing. With that said, it is not that I run up debt, I live in a cheap 1 bedroom so my girls could go to that school, and yes I will take a semester off if I have to. The point is I still have to pay their tuition for this month and register them, or they will loose their spot. They are twins and they were born with problems so I have to keep them in this school or they will fail ( i’ve tried public it was like pre school they are 14.) Also as far as identity stealing, I work for the government agency that lost the hard drive with all the employee information. I asked for ideas not criticism if you read the post you will realize that I don’t live large or beyond my means, I just have to live and keep my kids alive ( cancer kid… hello) My sneakers are 4yrs. old please.
You see what I mean about the scam artist??? Jeff Norberts one of them.

What can I do to get $560 by Monday without borrowing or loaning it? I have a job, just no work. Please help!?

I received a letter from the prosecuting attorney, a 10 day notice that criminal charges will be filed against me unless I pay this debt by the 17th of December.This couldn’t have come at a worse time. I am in construction work and the past few weeks have been slow and my savings have been used on necessities. I have bad credit and no checking account so payday loans are not the answer. My family and relatives are also struggling financially so they cannot help either. All that I can do is pray and put this out there and maybe someone can help me figure it out. Thank you.

Where can I get a payday loan without …?

Having my paycheck DD? And also being on the job for under 6 months. I have a checking account.

Can I default on Internet payday loan without wage garnishments & prosecution?

I live in NM & I am on the verge of total financial collapse with payday loans. I am on the verge of being homeless. I read on this forum an previous answer from Badonkadonk & the answer was to close my bank account & to take control of my whole check. I think I cannot be prosecuted in NM. What will happen if I do close my checking account, thus not allowing ACH payments & opening up another account. What if I choose to default completely? Will it be reported to the credit bureaus? Will I be forced to pay no matter what? I need some good answers please. I am desperate.