Paydayonline.com is harassing me. How to deal with them?

paydayonline.com sucks. But it does go to show that you should tread carefully when dealing with these companies.

Question - Did you actually write them a check or was this over an ACH payment? What state are you in?

I am curious as to the State that you live in. If you did not write a check and agreed to ACH withdrawals which can be legally revoked how can you be charged with bad check charges. I also never heard of a server calling you. That is not part of their job. Are you sure that was a real process server? Or just a scare tactic.

This sounds fishy to me, too. Most states don't allow criminal action against someone with a pdl. Also, I didn't think servers gave courtesy calls. Also, would the banking commissioner know if your were going to be arrested? Please, please check this out very carefully before you give them anymore money. I would think they would have to file charges in your magistrate's court office to have you arrested for bad checks. Also, I think they would have to place a bench warrant on you, too. It seems ludicrous that you have to pay another $830 AFTER you have already paid them $2000 on a $600 loan. This has to be a scam from them. They are low lifes and will stop at nothing to get your money.

paydayonline.com is also 500fastcash aka Rio Resources. Located in Miami Ok. They are well known for using underhanded tactics for collecting. They are not licensed to lend in any State. Please call the court and see if there was ever a summons. I will bet there wasn't. File a complaint with the Attorney General in your State against them for posing as a process server if that is the case. If you did get served do you think they would show their unlicensed butts in court without a paper check to prove their case?

I am sort of new at all of this, but i do agree with Frog and Eleroo. It really does sound very fishy and very much like a scare tactic. Please be very sure before you give them one more cent. Process servers do not call, they just serve

Hi, i have 4 payday loans, all of which are in the state of ohio, where they hold an actual check. I am a nurse, and i became ill and had to miss work, therefore, causing me to rely on payday loans. I am now in debt, i joined a fraudulent company posing that they would credit counsel me, consolidate all of my credit report and payday loans into one payment. It has been a month, i am being harrassed at my home, my cell number is being call constantly, and they are also calling my work. I am terrified. I wondered if you had any luck.
Ohiosnowbunny67

Yes, I would check on this...it sounds very fishy. It reminds me of AS & Associates who claimed that I had to pay like $770 on a $350 loan, when I had already paid them $350 in refinance...he wanted to do me a "favor" by giving me a heads up before he filed papers with the county office...scumbags

500fastcash...say no more. They are very sneaky and underhanded.

Ohiobunny...

I am sorry to hear your situation. You may have to play hard ball with these characters. Maybe even obtain counsel. How much do you actually owe them?

Ohiosnowbunnie...are you saying you went with a consolidation company and they haven't done anything yet?? I am assuming these are store front loans you had which are legal. 1.Did you check out the company with the BBB to see if they were legit? 2. Have you contacted them and told them you are still getting harrassing calls, etc. I do know it does take at least a month to get the ball rolling when you do a consolidation or management plan. If you could give us a little more info we might be able to give you some more insight on what to do next.

I think this may be a scam. How would the process server know you filed a complaint? And why would he bother calling you? He wouldn't, I'm sorry. Have you called your police dept to see if a warrent really has been issued? That should be your first step.

I don't think they can charge you with a bad check, since this wasn't a check. This was an ACH transaction. It is completly different.

Please call and verify with your police dept before you send this company any money.

Listen guys, Iam not saying the email by the guest is fake but I know for a fact that these payday loan companies know about this website and they may be putting information up here. I did a success story and got an email about it from the payday loan company that gave me a PIF. So be careful.

What did the payday loan company write to you, sfate??

yes, many payday loan companies check out this site regularly. Some have even posted before . . . . That's why it's never a good idea to post personal information.

I agree with all of the above. I'm not disputing what the OP posted, but I would ask those of you who have been here for a while to recall past posts by "desperate consumers" who claimed unlicensed payday lenders had gotten them arrested, etc. In the end, we found out the post was from a payday lender employee.

Not trying to cast dispersions on the OP here...just saying this doesn't ring true to me...as others mentioned, 500fastcash is as shady as they get.

Also seems to me that before the DA would actually arrest someone they would give u the chance to make this "so Called" check good, right?? I mean aren't our jails full enough? I'm thinking before a warrant would be issued the DA's office would try to collect.
Good Luck,
Ang

You can be put in jail for an unpaid "bad check" you wrote to like Walmart or something and never responded to them letting you know about it. However, an internet pdl does not have a written check from you. A store front might have a written check on you, but even they don't just come and arrest you. To be thrown in jail for a "bad check" is theft by deception. You received goods (like Walmart purchases) and wrote a bad check and never made good on it. You don't write checks to internet pdl's. I don't want to say anyone is posting anything on here that's a "lie", but to say that an internet pdl got them thrown in jail for a "bad check"? There wasn't a check involved. Unless I'm missing the boat somewhere here.

And doesn't it say, at the bottom of most all our state payday loan laws: Criminal Prosecution: prohibited???

Yes, but this person did not provide what state they reside in. A pdl can not throw you in jail for a "bad check". There was no check involved. That's why we always have people state whether they are dealing with internet loans or store front loans. Store fronts are totally different because they DO have a written check from you. And, like you said, most say "prohibited" criminal action. But we don't know about ALL states. That's why we need to know the state the person is in. That way we can check the law.

would be nice if the OP would come back and clarify this situation.

suebee, why do I have a feeling they won't be back???

I get it...thanks Cannr...long day, my brain is tired...:)

I guess we'll have to wait and see, cannr.

Paydayonline.com was very willing to stop adding interest to my account and let me setup payment arrangements on the principal only. All I did was call and talk to them. 800-928-3161 (ext 100). i took out a $400 loan 5 months ago and paid only interest for 5 months which was WAY more than i borrowed. when i pointed this out to them, they offered to freeze the account & let me make payments on principal. i won't be able to loan with them again, but that's ok because i learned my lesson. good luck!

I agree with the "seasoned" members in the community. In most state the process server is the sheriff department with a warrant for your arrest. They will not call you on the phone. Also, in some states they have a special process where if you wrote a bad check to a company you can resolve it by going to the court and paying some fees, along with the check cost. If this was truly a scam, please contact your attorney general's office along with the BBB and the payday lenders attorney general office in the state where they are located. If they have more than one location make sure that you contact the attorney general office there also. If you have a program that can help with your rent and utilities, please go there asap to get some assistance. Good luck and God Bless.

sfate is 100% correct. That is a PDL collector posting. This is not a real post.

PDL companies try to scare the daylights out of some people. I've had 'attorney' offices call, concerning PDL's. When I asked if I could get a number to call them back, they say they will call ME back. And when they did call, it was a Private or Blocked number. They threaten people. It's crazy. Umm....have a question. I saw someone saw that PDL companies come to this forum? If they do, is there a way you can TELL they are PDL companies?

I think one might be able to tell they are trolling by the comments they make? Kind of saying that they have been prosecuted or making remarks that are favorable about the PDL's and what low life's we are for trying to get out of this trap? At least enough to make us question ourselves, the law, and things the mods here have told us to be so? think maybe?

I bet that the PDL's check this site out; that's why I'd never put the name of my bank of more personal information here. They are complete scum. But when they contact us, THEY get all self-righteous about how wonderful they are and how WE are cheating them out of their money, etc. When PDL legislation is pending in various states, I wonder if it would be any good for people living in those states to refer their lawmakers to this site, so they can see what PDL's REALLY are?

i am worried now about even using my same email addy!

i faxed them paperwork that i was phished and scammed while in hospital they threatened me and it made me sick again i have no stomach lining left i filed a police report and talked to deputy keesecker of washington county tn badge #588 are they liable if i have to go back into hospital.

Read your contracts very carefully; it will flat out state that you agree to arbitrate if you default, which they won't do because most of them are not properly licensed in the state they are transacting in, so they can't properly file for an arbitration hearing. It was explained to me by a store from pdl company that criminal prosecution is not available to them because they know the reason you are transacting with them is because you have no money- so they are giving you money with full knowledge that you don't have the money. Also, how did the process server know this person's phone number, hmmmm, food for thought

ohiosowbunny I have work for a pdl in the state of ohio if you tell them not to call your work my law then can't and they are not to threaten that is the law and iam sure that go's for all the states

I just had my own run in with these people today! We had an agreement to only take out the interest on this payday and they took that plus the loan amount. When I called to resolve the issue they said I was speaking badly to them and Cindy the "manager" hung up on me. They are very shady people! DO NOT DO BUSINESS WITH THEM, SAVE YOURSELF THE STRESS. Now I am stuck, and i have small kids I needed that money for them. They are scammers!
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I received a call from my CU about a call that someone had made pretending to be me.It came from Payday Online in AZ and they were trying to get info on my account. Never had a loan with them and never will. :x

Has anyone gotten a call from "Mr. White". he has been calling me and telling me i am scum and i am going to hell for not paying my bills and just trying to make me feel bad about my self. Also he has now started calling my boss asking my boss how he can employ someone like me. It's actually quite comical. Now, i'm getting a call from PDM and Associates who said that if i don't pay immediately they i will be arrested. I'm not sure about this, can charges me filed and I be arrested. The problem is i have been trying to make payments and they WILL NOT work with me-they want one big payment.

We just received a notice of garnishment over our fax machine.no name to whom but from pdl.a little threatening.is this legal?

no,in fact that is more likely a wage assignment.they would have to take you to court and win to get a garnishment.that most likely didn't happen.what fax# is on the paper?

Got a fax from Paydayonline.com for Notice of Garnishment but there was no name, dollar amount or anything to tie to an individual. Called the number provided supposedly a wrong number but they gave me another to call who knew nothing either. I'm just going to overlook this stupid thing as it does not look anywhere close to being something legitimate.