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.

do big banks own any payday lenders?

seems to me they can keep you trapped in the decline mode while steering you to payday lenders thereby getting money from you without ever approving you for a traditional loan

Get me out of Payday Loan HELL!!?

I was foolish and got way in over my head with payday loans. I finally closed my account and now I owe about $2000 to six different lenders. Does anyone know how I should proceed? It seems like these debt consolodation places are as shady as the loan places. How do I pick and honest one that is on my side?

How long does it take wefixmoney.com to find lenders?? I have been on the same screen for an hour.?

im trying to get a payday loan. It has been searching for lenders for a while now. Is there another site i can use or does this one really work?

Quickest way to get a payday loan?

I’ve been trying to get a quick payday loan but every time I fill out the form for one site I get to a lender that makes me fill out out another form and this cycle just repeats itself again and again. Can anybody tell me a site where I just have to fill out ONE form to get a payday loan?

I need a long term installment loan(not a payday loan) I have bad credit.?

Anyone know any legit bad credit lenders?

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

question about consolidation……?

Okay, I made some bad decisions and took out a couple payday loans, they are killing my paycheck each month. And, I have some high credit card bills because of my husbands illness. Before he got onto health insurance we were paying for his insulin (expensive) plus we have a 1 and 2 year old in daycare and diapers. So, I just wonder about debt conslidation. has anyone used it…? Does it really work….? Is is a good idea?

Auto loan for debt consolidation?

I have less than perfect credit, and I was wondering if I could apply for an auto loan in order to consolidate and pay off all my payday loan debt of about $5000? Ive tried getting personal loans but I can’t get approved anywhere, and I need a solution fast because all my payments are about to be due.

I need financial help/advice! PLEASE ?

okay so currently i am at a stand still financially. its kind of worrying me because i can barley make ends meet and i have no other financial support from anyone else. even financial advice for that matter. the only person i can turn to is my other half, however my other half if currently unemployed so that kind of makes matters a little worse, but its so hard to find him a job, we’ve like put it over 100 applications all over and no luck so far, but heres the thing. here is the question id like to ask and get SERIOUS advice and help with. I am 19 and I am in debt. not 10k debt, id say around 3k or so. out of everything, i believe what is hurting me most is the numerous payday loans i have out there that i have made to try and have extra cash in my pocket. what is hurting me every 2 weeks i get paid is renuing them, and i want to get out of them so badly so i could pay other things that i owe with my check and at least for once in these 5 hectic months have something to last me off of my check till the next check for like gas, food and such. i want to know what would be the best method in getting out of all these loans and start getting down to business. also if someone would happen to know where i would be able to make a debt consolidation loan or some kind of loan that would help someone like me out, esp with the fact that i am from louisiana and the economy sucks out here. i tried onemain financial however i couldnt b/c i needed a co signer and i dont have that. i want to try to find some kind of place that would let me borrow like 2k to get out of some of this debt.

my payday loans are as follows
a. 60.00—borrowed 50
b. 190.00—borrowed 150
c. 280.00—borrowed 225
d. 345.00—borrowed 290
e. 305.00—borrowed 250

i am not sure of the interest rate on these loans but every two weeks when i renew them, the “fee” i pay to get what i borrowed back is

a. 10.00
b. 40.00
c. 55.00
d. 55.00
e. 55.00

other debts are 411.00 overdraft in one bank accnt, abt 400 owed to a credit card that i havent been paying on because i couldnt afford it. i also had to let my insurance lapse because i couldnt afford to pay it and that is 447 i owe to them and i guess on top of that what i will have to pay also to the dmv and that is about it. i need help of advice if possible. the reason why i believe i got into all this mess is because a while back i was trying to help someone and a loan that i had weeks before that and didnt pay back went to my accnt and took all my check and from then on i basically had to make loans every so often to keep money in my pocket. also on average i make 80 hrs a week at my job and get paid 9.50. i hope this helps the people that are reading this and are interested in my story. thank you for your support.
im sorry// correction….i make 80 hrs every 2 weeks (40/per week)
@talk turkey : i made a correction; is it possible you could revise your answer since that particular info i provided wasnt correct
@ tony p : unfortunatlly my better half has a few mental disabilities that refrains him frm working in public however we have put in overtime to find something suitable for him so that he can help out because he reallllly wants too. im in a bad situation i guess that i regret ever getting myself into. i wish i want so naieve to money savings and everything. i feel like im going to be stuck forever. then on top of that i have school coming up in the spring and i have to juggle all of this!. my life is a living hell

Thank you all for your answers to my questions.?

So, what you guys are saying is that I can place the two payday loans that I have on my bill consolidation? Oh, with all my medical bills and my other bills I owe a total of around 5,000.00. And to the person who said that I should get a job and pay my bills. I have a job where I have been employed for serval years I just had got hurt and I was off of work for awhile and couldn’t pay all my bills that’s all. I had gotten the two payday loans before I had got hurt.

What credit card do I have a chance of getting with bad credit?

my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria?

I was pre approved for first premier bank card but with all the fees it ended up being 250 – 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance.

im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn’t start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS!

the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn’t budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn’t have good credit either. about as good as mine. so I cant have her get a rental.

this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid.

then well have more than enough to pay off the the credit card

dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card

and for any one who wants to be captain obvious and say shouldn’t of had bad credit to begin with and you wouldn’t be i this mess…you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it

for an entire year now I have been paying 400 a month toward old credit card. whats your smart butt remark compared to that?

wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer.

thanks
lol, im not a dude, I realized im on his account, but im a girl. rolf