Is this normal????

I would not take a chance of letting that one in. It might be a trick of some sort to get your account reopened. Did you ask for your refund by mailed check?

I told her not to take it. I was afraid it would be trick. It is just that this is the beginning for me and I am soooo not sure what to expect. Every little thing is making me nervous. I did not specify about the refund (inexperience, guess I should have, did not even think I would get one) however, I told them no contact except for usps mail or e-mail... I would much rather have a PIF than the money. Atleast then I would know I am done with that company. I still want to know which company it is (I had 7) so I can add it to my documentation collection.

So one of them you think tried to send you a refund, without telling you? That does seem suspicous. I can see how that would work, by reopening your account. Or could they some how get your new account information via the way it was sent into your new one?

If you find out who sent it then yes, ask for a paper check. I had a refund from USA Credit, not a PDL but a scam nonetheless, and I told them my account was closed and they had to send it to my bank anyway, and then wrote up the check after they had gotten it back. So they might send you the check anyway once it was returned.....

Suzi, It seems fishy to me also. Why would one of these places send a refund without telling you? be careful letting anything reopen your closed account. I think its asking for trouble. $190.00 is nothing compared to what may happen

Well..If I have learned nothing through all this, I have learned 1)not to trust the pld's, 2) not to expect a refund or even a pif...and most importantly 3)never ever, ever, ever (to infinity) give out my account information. :lol: I would rather go without the 190.00 that risk the pdl's having access to my account and all the trouble that would cause. And yes it all seem suspicious and waaaaaayyy to easy. At least now I know I am not being paranoid about this. :lol:

I think we all are a lot more paranoid this time around, which is probably a good thing. I'm sure I can still check my closed account online and find a dozen things still attempting to go through, despite letters and emails and such. Including 'paper checks' they've printed up and sent in for random monetary amounts....

NO! NO! NO! STOP! suzi, this is most likely a REFUND from one of your pdl's! It is not suspicious. It is not fishy. This is how I got my refunds! The account wasn't totally closed yet. It had a hard debit block on it. Any of the pdl's that refunded me just credited a deposit into my account!!! Call the bank! Do it now! Ask them who the deposit is from! That's what I did. Once they told me who the deposit was from, I got it. Had to go into the bank to get that cash out, but I'll be damned if I didn't take it. They owed me that money. Honey, call the bank NOW and ask who the deposit is from. If it is from one of the pdl's you overpaid, it's a refund!!!! Do it now!

Cannr to the rescue.If she thinks its ok then i am sure it is. She is one cookie who knows her stuff

OMG... I am laughing so hard right now my coworkers think I have lost it. Why would I get a refund without any contact or a PIF?

You guys, 4 pdl's gave me refunds. The way they did it was AFTER receiving my complaints to the BBB, the FTC, and the AG, they just "secretly" refunded me by depositing the refund amount into my account. They then reported back to the agencies that this was "taken care of" and they had refunded me. They do this to look like little angels. So when they respond to the complaints, they've already taken care of the problem. It is not uncommon. Actually, they probably HOPE that you block it or the account is totally closed because then the deposit will be returned to them and you'll never see that money again. If you have the opportunity the get that refund, take it.

Sorry I freaked out there for a minute! :shock: I was reading the thread and was like WAIT!!! I swear, I don't think I could type fast enough! My heart was pounding, my fingers flying.... Don't do this to me! Damn. I need a drink now.........

But I have not filed with anyone yet. I have just started and they would have just recived my e-mail and fax yesterday and as far as I know have not gotten my certified letter, should have been yesterday or today. You do not have to convince me. If they can do it without the company getting my new banking info, I will...I am just trying to understand. I am leery about things that come easily. (Not that this has been easy) Also, the two that were scheduled to come out yesterday were Up Front Cash and Instant Loans Now...they have the same address and same suite..can I at least expect not to be harrassed by ILN?

You deserve a drink. Have one on me

Well I'm glad there is someone here who knows what going on, while the rest of us who haven't gone through it remain shifty eyed at even the good events.

In fact I was even doubtful of my paranoid response. I thought that since it came into a blocked (or closed account), you could just go into the bank and take it out yourself and ta-da it'd be yours. But then the paranoia set in....

Can you drink as fast as you type?????
We love you. Can you feel the love UMMMMMMMMM

If she can't I can.. :lol: You all should have one on me since apparently I have come into a refund :lol: I Love you all. Thank you so much for keeping me sane. Cannr- sorry I almost gave you a heart attack. :oops:

LOL! :lol: I'm so sorry! I just want you to get that refund! They are sneaky. They'll slip the refund in without saying a word to you. It's actually kind of funny. Hell, I had to go smoke a cigarette after that one! :D

suzi...please post updates on your progress! I am just now embarking on my journey to freedom from the pdl's beginning today!..thanks to the support here on the board. :)

I just knew you did.. :lol:

Volley, I will. It is a process but it is such a good feeling to be free and everyone here is great and has really good advice. I know there is so much to absorb at the beginning..please be sure to ask if you need to. Good Luck.

So do I tell my person at the bank to take all refunds?

Call your bank. Ask "who is this direct deposit from?" They will tell you. Tell them to accept it. Also tell them that you are expecting refunds from others (with luck) and to inform you of any other incoming deposits and who they are from.

It was nice of that person to let you know that something was coming in and asked you what to do about it! You have a nice bank, I'm sure they'll keep an eye out for you and let you know if anything is suspect.

I have to disagree - This is not normal. I have never heard of a pdl just sending a refund, especially from an account they are trying to debit. Most pdl's that send refunds want you to sign something, or at least tell you before it happens. You froze this account. They know it. Why would they try to refund money to a frozen account? I think it's a trick.

I think this is most likely a pdl trying to "reloan" you money. You accept the deposit and then they start hounding you for payments.

Especially since complaints haven't been filed yet. This just seems very odd to me . . . .

This is seriously stressing..And I was worried about the phone calls. But in the end as I have siad before if it cam down to the PIF or just a refund, I'll take the PIF, atleast I would know I was done with them..until they forget . :D

Okay. I'm going to jump in here again. Four of my pdl's refunded me without a word to me. My account (at the time) just had a hard debit block on it. No debits at all were to hit. However, credits were accepted. I checked my account every single day. A "direct deposit" showed up one day. I freaked, called the bank, asked who it was from. They told me. It was one of the pdl's that I demanded a refund from. I went to the bank and took that money out. Another "direct deposit" showed up sometime later. I freaked, called the bank, asked who it was from. It was from another pdl I demanded a refund from. I went to the bank and took that money out. And so on and so on. No, the pdl's NEVER said a word to me. They never notified me, never emailed me, nothing. I had already filed my complaints though. By the time these pdl's were contacted by the BBB and the AG, they were already armed and ready. They responded stating that they indeed refunded my overpayment, the loan was marked paid in full, and the account was considered closed. I swear to you. Would I lie to you guys? No. They do this because they know you're going to file complaints. This way they have already "taken care of it", so when contacted they can tell the agencies "Gee, we already responded and sent cannr a refund for the overpayment." Looks like they're angels. No one ever tried to debit the account. It wasn't a trap. It was just their sneaky way of getting this matter taken care of before the complaints rolled in. Four of them did it this way. I swear. If it didn't happen to me personally, I would probably think something was weird about it all. But it happened to me. So, it can happen. It did happen. I'm telling you guys! Not all pdl's will do this, of course. But when they do, take the deposit (if you're sure of the pdl and that they do owe you a refund). The whole fact here is that mine & suzi's accounts were not totally closed. So the deposits went in. The majority of people's accounts are totally closed, so the refund would be rejected and sent back to the pdl. We just so happened to have a hard debit block only on the account, so the deposits were able to go in. I'm not making this up. Please believe me!

Cannr - Thank you....For this and for the PM.

Every post on this thread has reflected my own thoughts, fears, happiness, paranoia. :lol: It is why I posted when it happened. I want everyone to know I really appreciate the advice and support and everything everyone has done for me throughout the past month. I respect what you all do here and how much of yourselves you give to whomever comes here in need. (Sorry, sometimes the counselor in me slips out) :lol:

suzi, you did the right thing by coming here and posting first. Always do that. I never replied to anyone or made any steps until I came here first, posted, got advice, then I went back and made my decision or responded to an idiot pdl. That's why we're here. Please do not ever hesitate to post ANYTHING. Nothing is "stupid". Someone will have experience with it, heard of it, dealt with it, whatever. Whenever anything comes about, just get on here and HERE WE ARE! :D