another co. marked my acct

they also said that they will post the refund to my account tomorrow.. we shall see

Awesome!! Yes, that's one more down. Stand strong! You will win.. Do you have any more payday loans? Stick with the same game plan when you know that you are on the right. Good news!!

That's great. Make sure they send you an email or a letter stating they are marking your account paid in full and you are not obligated for anything else.

Dianne mentioned an important point. In most cases, we forget about it. It's only realized later when the balance is sent to some outside CA for collections.

yes, i saved their emails and i have also requested to send me a letter stating that my balance is $0. if they don't send me a letter, i will just keep the email that they sent me for future references

Way to go ccastro!
Just be persistent and you will prevail!

Thank you erzeke1, you are one of the first persons that have replied on my first post. I have a few more, but getting those 2 marked paid in full today is a very good news!

I'm glad we could help you...that sick feeling is starting to go away now isn't it?
Knowledge Is Power!!!!

yes, it is.. before i found this forum, i've felt so down and i don't even want my payday to come bec. i know that there won't be anything left in my account. and i was so scared of defaulting/stopping payments on them. but after weeks of reading this forum, i finally had the guts to stop payments on them and started sending out letters. a few more to go, but after today, i know that everything will be ok. we just need to have faith.

You bet!
I was in a real pickle and had terrible thoughts when I was going through it myself.
Now I'm just mad!

i know how you feel.. i am working on getting payment arrangements on Magnum cash advance right now.. i've been in contact with them since last week, getting all my loan history and my balance.. i've been pointing out to them that they are charging me too much interest on my loan (per CA law).. Last week i got an email from them that they are going to settle for a lower amount, but when i reviewed it, it is still too much.. so today, i emailed them again regarding the excessive interest charged on my acct. i'm still waiting for their response..

I've laughed heartily at some of the "settlement" amounts I've received from them. Those vultures!
Fun, ain't it?

Yup.. lets see what their response is on my email regarding the interest.. they want me to accept their settlement right away so they won't have to charge more interest on my account.. but i told them that i am still reviewing it so it'd be fair to me and also to their company.. i still have oneclickcash, route66, tendollar and cashcentral (i will default on this in 3 days)

You still have plenty of time to negotiate. Don't take any prisoners my friend!

You bet i won't.. i still have 3 storefronts, but i am not defaulting on those bec. they are licensed.. see i have learned a lot on this forum.. THANKS YOU GUYS

You're very welcome!