Posts Tagged ‘mail’

I feel like I'm being scammed, what do I do?

Tuesday, December 6th, 2011

I got a phone call from a person saying they were from a company called Central Judicial Systems based in Spokane, Washington telling me to call a phone number along with a case number. I called that number and was told I was going to be taken to court about a payday loan (which I applied for but never received) in Oct 2010 for 1000.00. After I told the person I had no record of this deposit she told me to wait for a subpoena in the mail and then hung up. When I called the number back, I was unable to get a person on the phone as the number would hang up automatically. This is very shady to me and I want to know what’s going on and what my options are. I remember applying for the loan but I never got it and I have proof in my bank statements. Also being hung up on was suspicious as well. Are these empty threats? What do I do?

I need advice on a cosign for a loan!?!?!?

Sunday, September 4th, 2011

I cosigned on a loan for a car…my friend failed to make payments. Bank contacted me when he was 120 days out via mail and said they lost my phone number…ITS ON THE ORIGINAL APPLICATION. I have had the same # for 41months…they have now claimed they lost my number 2 more times! "They are inadvertently destroying my credit because of this…" Original loan was 800 now down to 00…is there any legal issue I can push on them to release me from the "now unsecured loan? sold the car last summer" Thanks for the HELP!!!

on the payday loan, what they have done is ?

Tuesday, August 30th, 2011

taken the check connected to the payday loan and have threatened me with a theft by check. . Have recieved, mail from the D.A.’s office stating this,
and when i contacted,them . i was paying on them for a while, then i had to stop, my husband left, he talked me into this, no fool like and old fool.
thanks for more answere’s miss fibro

Can someone help me understang PayDay Loan Jargon, Texas.?

Sunday, August 28th, 2011

Due to extremely unfortunate situations, I applied and received a payday loan with a company here in Texas. Because of my situation, I was not able to pay in full. On 5 different occassions I paid the company 5 (every two weeks) to "renew" the account. I should have read the contract better; I thought this money went towards the final balance of the loan, but it did not. So basically I just wasted 0+ on a 0 loan. Now, I am unable to pay the lump sum, but receive phone calls and mail stating I owe 0. This is the first time I have ever had to go to this resort to get extra money (medical bills for a child), and can’t believe that this company can lawfully take 00+ from someone on a loan that was only 0. I’ve read the laws for Texas, but do not understand the exact jargon. Some cases say they can’t lend more than 0 and others say they can’t renew without discounting the balance…anyone know for sure?

I got a payday loan on line awhile back I live in dallas can a judgement be against you on line with out knowi?

Tuesday, August 23rd, 2011

it ,without going too court?the federal trade commissioner told me too wait for proof buy mail and that if they sue me it will be near where I live.

What can a creditor do if I don't pay them the money I owe??

Monday, August 22nd, 2011

I stopped paying on a 00 personal loan when I was in college. Nothing happened for a while, but about a month ago they sent me a court paper in the mail (which was optional to go to). Well I didn’t go to court, but now I’m really worried what they can do to me If I don’t pay it…ahh!!

pnc bank private unsecured loan?

Tuesday, August 16th, 2011

Just apply for a Private Loan at PNC and just got the following email:
Loan Reference Number: XXXXXXXXX

Thank you for submitting your loan application to PNC Bank.

A decision has been made regarding your application. You will receive
further information via U.S. mail within 3 to 5 business days after
receipt of this message.

Is that means that most likely they decline my application ?

Unsecured loan question to the experts?

Saturday, August 13th, 2011

Unsecured loan question to the experts?
Hi there i have purchased a house back in 05 and currently i have applied for a loan modification on my 1st mortgage. First Loan for about 0,000
Second Lon is with ,000 (Unsecured loan)
I have recieved a letter from my second mortgage company stateing that i have applied for a loan modification with them and which i have never done. They sent me a few documents in the mail it was a deed of trust and wanted this to be signed in front of a notary and sent back to them in the mail. I took the letter and the documents to the person thats dealing with the modification process with my first mortage. He said that the second mortgage is trying to scam me (if i sign the papers then it becomes a secure laon) He told me that not signing this deed of trust is an advantage for me because if i were to sell the house later i would not have to pay off my second mortgage because it was unsecure loan? He just told me to make the minimum payments on the second loan… He said that we could get a way with paying 5-6 thousand dollars to the second mortgage. Is this true Can anyone clarify this to me?

Unsecured loan question to the experts?

Saturday, August 13th, 2011

Unsecured loan question to the experts.?
Hi there i have purchased a house back in 05 and currently i have applied for a loan modification on my 1st mortgage. First Loan for about 0,000
Second Lon is with ,000 (Unsecured loan)
I have recieved a letter from my second mortgage company stateing that i have applied for a loan modification with them and which i have never done. They sent me a few documents in the mail it was a deed of trust and wanted this to be signed in front of a notary and sent back to them in the mail. I took the letter and the documents to the person thats dealing with the modification process with my first mortage. He said that the second mortgage is trying to scam me (if i sign the papers then it becomes a secure laon) He told me that not signing this deed of trust is an advantage for me because if i were to sell the house later i would not have to pay off my second mortgage because it was unsecure loan? He just told me to make the minimum payments on the second loan… He said that we could get a way with paying 5-6 thousand dollars to the second mortgage(arter i sell the house later in the future). Is this true Can anyone clarify this to me? (is there a way of finding out if the loan is secured or unsecured?)

How can I get a truely unsecured loan for $24,000?

Saturday, August 6th, 2011

My small business went into a large amount of credit debt due to collectables being returned in the mail because the builder of my office did not register the new address, and also some other unforeseen circumstances. I am a responsible professional with good cash flow now, but interest is killing me.

Is it legal for Capital One to charge 83.31% for an unsecured loan?

Thursday, August 4th, 2011

I just received an offer in the mail from Capital One. I occasionally receive these things but this one just blew me out of the water. Of course I turned it down but isn’t that above and beyond a loan shark?!!?!?!?

Can a Payday Loan/Cash Advance company report you to the credit bureau if you dont repay?

Tuesday, August 2nd, 2011

I have a Payday Loan/Cash Advance that I didn’t pay back now its on my credit report. 1st question is can they do that?? I have recently received some papers in a mail stating that these types of companies are currently in a Class Action Lawsuit. 2nd question…If the case goes in our favor..can I get this taken off my credit report?

What is a good company to consolidate private student loans with?

Monday, August 1st, 2011

I would like to consolidate my private student loans but don’t want to be subject to the pitfalls of those attractive offers like "Consolidate now and get a check fo 00.00." I read the fine print of all the mail offers I receive but I don’t trust any of them enough to persue them. I have about 40k to consolidate and will be returning to school in January to add a few more thousand. Has anyone already consolidated and had a good experience? I would be moving from Sallie Mae as my servicer. Please note, these are for private loans, not federal. Thanks in advance!
I would prefer not to consolidate with Sallie Mae. I had a rather awful experience with them recently and partly look to reconsolidate so that they are no longer my loan servicer .



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