PDL Assistance Complaints-Feedback on this debt consolidation company

Yes. A consolidation company does not offer legal consultation so you can be sued while in the process of settling your loans from LEGAL lenders.

I am thinking of going thru such a company as PDL but, I am afraid that I will still have trouble with my creditors. If you have done this program reply back and let me know if your creditors settled or are they giving you a hard time. I just dont want to be sued while trying to go through this program.

*FYI* A consolidation company does not guarantee peace of mind. The loan companies will still call you :?

If you do not mind, what is the names of the PDLs you are dealing with? Also what state are you in?

Do NOT use PDL Assistance... They mislead you with their program charges and everything you put in that program for the first 6-8 months goes directly to them.. They clearly explained their fees but what they DID NOT explain is that you pay those fees first prior to the starting of saving up to pay towards your debt. Say your fee to them is $900 and your monthly payment is $230. Why can't that amount go towards paying the fee and also saving up in your account ? Settle your debts with these payday loan companies on your own. They are willing to settle for less than you currently owe or set up payment arrangements in order to get money back from you quicker. Also, if you ever decide to cancel with PDL assistance after a few months or so, they DO NOT refund you whatsoever and basically you are paying them for doing NOTHING... DO NOT USE THIS COMPANY !!! I am reporting their practice to the BBB.

Tbone, Thats not true. They charge a Enrollment fee and then the first two payments go to them. The remaining fees are spread out over length of program and thus most of your payments go towards trust account to be used to settle.

You CAN do this yourself. You can negotiate your own debt with PDL lenders. You don't have to spend money for PDL Assistance type companies when you can put that money toward paying your debts.. You can do it!

David, or mobile0311, Aren't you a manager for PDL Assistance?

In reading the entire 7 pages listed here about the company I see that you are very pro (Assistance). You seem to know alot more than the average Joe. I did some research on the company and to answer a question asked by 'ginurse', that even you didn't respond. PDL Assistance is located in Alabama. Per a Whitepages.com search, it is Mobile, AL. Interesting to see that your username is 'mobile0311'.

'You should all check this out before assuming 'mobile0311' is providing information in the best interest of you, the consumer, or the company he works for.

Another interesting bit, I see it was mentioned that the address listed for PDL Assistance, turned up a debt consilidation company called Fidelity Reserves... Check the BBB on that company.. then ask PDL Assistance what that is all about...

Don't be fooled by people, even moderators, who are on his pushing one direction or the other.. Also notice that MOST all the commenters that have something positive to say about PDL Assistance are "guest"... just seems a bit odd to me.

Just remember,, this IS something you can do on your own..

mobile has made no bones about knowing the people at PDL ASSISTANCE.he also makes no bones about being involved in the debt resolution business.he is not a guest by the way.yes you can do it yourself,but some people don't have the time or resolve to negotiate with pdl's.please don't come on and slather blindly.there are scams out there.this isn't one of them.PDL ELIMINATORS is a scam however.

Does anyone know the payday loan laws for Missouri or where I can find them? Thanks so much!

http://www.paydayloaninfo.org/state_detail.cfm?id=MN

Thank you!!

I never said you couldn't settle debt on your own. If you have the time and want to put forth the effort I encourage people to settle their own debt and save the money you would have paid in fees. Just because I defend against a untrue post against a company doesn't make me " pro "anything. Had you ever read my previous posts you would have know that I was born and raised in Mobile AL which would explain how I know the owner. FYI , Fidelity Reserves is not a debt consolidation company and not a consilidation company "try using you spell check ". They offer loans. Fidelity Reserves offers debt settlement services , not loans.

As far as the address of PDL Assistance matching Fidelity Reserves there is a simple explanation. The previous owner of Fidelity Reserves sold the business to the current owner who later started PDL Assistance. So basically all of the previous BBB complaints were under another owner. I might also note that all of the 66 BBB complaints with Fidelity Reserves have been resolved.

Also I didn't ignore a "ginurse ". I must have missed her post. I have been very busy at work and thus sometimes go days without checking my account here. Please get a life instead of making retarded accusations when you don't even know me. I don't solicit for any company on this site. Nor will I ever.

Should I not Go through with PDL Assistance? Just wondering bc the fact the lady on the phone wanted me to change my bank account and was wondering when i was going to do it raised red flags..... just wondering...

That's normal to change your bank account. It's the same advice you get for free on this site.

Whether you choose to have PDL Assistance or try and settle yourself you will have to take control of your money. As long as these scum bag payday lenders have access to your money you will have no leverage to get them to be willing to negotiate a settlement.

Just FYI for anyone thinking of signing up with PDL Eliminators...They are a good way to go but it will requite some work on your part and the companies that you have loans with will NOT cease their efforts to obtain their payments. When you start with PDL Eliminators PLEASE close your bank account! It is not enough to simply stop payment on the loan payments. I put a stop payment on my account and the bank decided that since it was a debt that I had originally agreed to pay, they would not honor these stop payments and although I paid the bank $120.00 this service, they paid the loan companies IN FULL all at one time! So please, be careful and cover all your bases. God bless

I used to work at PDL Assistance. PDL Eliminators is simply the name used to sign into the contract page. They initially wanted to use PDL Eliminators, but decided that the name promised too much. Yes, the person who is mobile.. something is a manger at PDL Assistance. I recognized the writing, but I won't call them out by name... how else would they know the story about how the company changed owners.... pay attention people!! I'm surprised they didn't tell you about boating in Mobile Bay or at Dauphin Island with Jared, the owner.

First of all, I am not promoting their use. However, I do take issue with people complaining about not knowing the terms and how much goes to fees. When I worked there, we were told that we had to explain the fees.

DO NOT use them. Seriously! If you have enough time to log into these forums and complain about how much money you're using, you have enough time to do it yourself.

One trick with companies like PDL Assistance is that they learned a lot of what they know from these forums... FYI. It helped them get started. Many of the payday loans out there are simply illegal and if you're in the right state, they're ALL illegal. PDL Assistance and other companies just like it get paid for doing EXACTLY what the people in these forums suggest.

Work with the people in this forum who show you how to get rid of these payday loans yourself and you'll save money!!!! You're already getting ripped off by the payday loan companies, don't throw more money away by paying someone to do something they read in this forum.

PDL is worthless. They do not handle anything with your debtors until you've paid them off which is usually too late. I was taken to court by 2 creditors while enrolled in PDL and had to pay them off myself. I started with 4 PDLs and by the time that it was all said and done, they paid one $100 PDL and I paid them $1200. I'm still battling to get the money back. Work back with the PDLs to make arrangements for monthly payments. They were a lot easier to work with.

I personally used them. I paid all of their fees and they started to deduct the "settlement payment" from my checking account. I had two pay day loans open at the time. They had never even attempted to contact either of the payday loan companies. They want you to be sneaky and close your checking account so the companies cant get in. If they could do what they say they could, they should start contacting the companies right away, but they do not. Unfortunately, I had to eat the $200 starting fee and my firts months payment. That's why I am writing this, in hopes that someone will read and take head before they throw away money like I did. If you are really in a bind, you can probably call the companies and negotiate yourself. I did.

If anyone on this board is currently using PDL as of 08/24/09 please let me know if this is working for you. I am 'enrolled' with PDL and got a confusing statement. Like a bank statement. Please , I am embarrassingly desperate here.

Hopefully you did your homework and researched whether your payday lenders are licensed?

I am using them right now. They are good and settling my payday loans. I really have no complaints thus far...

Well good luck!

Okay thus far I will have to compliment PDL Assistance. I recently signed up with them and the lady even explained to me that half of these online PDLs are overseas and illegal. She went through some steps to help me cover my assets and what I should do. They were friendly and courteous, the lady I signed up with was very patient while I got all the info she needed. So I would have to recommend these guys on customer service alone. Now as far as payments I have not yet got the settlements done so I could not tell you how much I saved so we will see I will keep everyone posted and let you know

I Hired PDL Assistance to help me with some of the Pay Day loans consolidation and some accounts that were outstanding. From the get go I was informed that their cost would be $200. I later found out that their fees would exceed $700. I canceled their services after they had collected about $374 of my money. PDL assistance did not perform the way they advertised. PDL assistance did absolutely nothing to merit keeping $243.50 of my money.

PDL assistance stated that they will not return the whole amount, even after I filed with the Better Business Bureau. PDL will not even have the courtesy to return my calls. Over all PDL Assistance has refused to reimburse my money. I canceled their service because they were not doing anything for me. Creditors were not contacted, I continued to receive all calls. PDL withdrew money from my checking account on an unauthorized date. NSF fees were not refunded.
PDL was supposed to have made contact with my creditors. PDL program is a scam.

i just signed up with them , i hope they will do like they say they will

These forums here are a great resource to go the "do-it-yourself" route. There are lots of us who have been there. The advice you will get here will help a lot. I encourage you to think about doing it yourself. While you will have to put in some time, you will save yourself money in the ling run. Just my two cents worth.

Hey Angie 1959, don't waste your time, PDL assistance will not help you in any way shape or form, they are liars, scam artist. They will deduct from your checking account unti their fees are all paid up, which is usually around $900 depending on your debt; also a lot of these payday loan companies do not and will not want to work with PDL at all; a deduction will be forwarded to a company by the initials GCS, which is a sister company to PDL, they will be receiving a maintennance fee just to keep your money sort of like a bank. Even if you decide to hire PDL please FYI just go on line and log on to BBB of South Alabama and check all the complaints that people have filed against PDL.

I've just cancelled my program with PDL. The phone calls never stopped. I paid the admin fee, 3 months later they still haven't taken my payments out of my checking account. Two of the pay day loans I have stated they won't work with PDL Assistance. When I just called to cancel, the woman said not a problem the cancellation department will call you to confirm then hung up on me. Wouldn't give me a confirmation # or anything. So I'm giving it 5 minutes then I'm calling back. It's ridiculous.

ow can i cancel my contract with pdl? i tried calling them,how can i be sure they will stick me. and pull the funds from my account. i have not recieved my e mail yet.

I am new at this but that is exactly what my bank and Atty General office told me. That I can do it myself. After reading here a couple of times, I think I can.
PDL was a company I called and they seemed reasonable, but I need to save the money myself AND all my pdls are illegal in my state.

I have went through the PDL assistance. And I finished with paying them. But there is 2 payday loans that are not done yet. So keep track of what they do. There is still a balance in the account for these 2 payday loans. I hope that everything goes well. I'm still sinking with them with new payday loans. Its hard to not use them and you get trapped.

I became a member of pdl assistance thinking they could help me resolve my pay day loan debt, they are worse than the pay day loan companies, you send your payment in every week for them not assist you with angry pay day loan creditors until you build up a certain balance, this was not explained to me when I signed up with this company. And then on top of that I was told every payment I made could be refunded if I wanted to cancel this membership but now I am being told all the money i paid is non refundable, I was told the initial fee of $ 200 was non refundable, but now some asshole named Chris is telling me I can not get back one cent of the money I paid and on top of that I am being sued by pay day lenders. So thank you PDL Assistance- you have helped me alot by taking my hard earned money and providing me with no assistance at all. For anyone who reads this PLEASE DO NOT USE PDL ASSISTANCE- THEY CAN NOT HELP YOU- my advice call your pay day lenders and work out a payment plan because as of February 1st, 2010- i am out of $ 900.00 that I can not get back at all !!!

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PDL ASST put you on a program and you pay them so they can help pay off your cash advance companies. However, these are empty promises. They took and fee me up to all the money that I invested into the program and none of my creditors got paid. I paid over $600.00 in the company and not one cent was paid to my creditors. ugh. I am so mad. They will not refund my money nor will they fix the matter to pay my creditors like they promised.

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Two years, 3400$$ later, and not one account settled by PDL.

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you're an idiot. U SOUND LIKE YOU'RE A SCAM. I understood that pdl assistance required an acct number for monthly payments to come out of but so did my payday loan companies and i was more than willing to get in that debt so why get all skeptical when i'm tryn to get out of it. They dont require a acct number to get in the program because u get an option for your initial payment. Either an acct number or a money gram. And then u still have 3 days to cancel at no obligation. Also, regarding the contract, your agent is required to go over your contract with you so that u can understand everything in it, then u sign it and at that point they will email it to you so you will have a copy. They're just tryin to help. It sounds like you called PDL Idiot, not PDL Assistance.






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I sign up with PDL. I paid $200 sign up fee and for the last 3 months $198 was debited from my checking account to bulid the funds to payoff these payday loans. I just found out that all i have $54 in my PDL saving to payoff these lenders. Where the hell did the rest of the money went i asked them. 90% of my money went for other feeds at a high rate. I`m a idiot for hiring PDL and now i`m out of $792 that is not refundable.

have read all ur posts, and thank u for the insight. I think I'll go with trying to negotiate my PDL's myself first. Then I'll try an assistance company.

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I work for a "Payday" lender and receive numberous proposals from debt consolidators. We don't work with these companies (see why below). I have faxed, phoned, emailed, and mailed requests for our company to be removed from all of the databases. Every other debt consolidation company complied on the first request, but not PDL. Week after week I continue to receive their proposals which they will never fulfill (see every other response on thes page).

Why don't we work with them? If a customer can come up with money to give PDL to send me, why can't they give it to me directly. I always stop interest, waive NSF and late fees, waive accrued interest, and even waive large or entire balances to customers that keep in open and honest communication. I treat the customer fairly - not like PDL. Again, why should I give a percentage of every payment to PDL (assuming they actualy mail payments to creditors)?

These debt consolidators are the real predators - not the lenders.

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How do you do it yourself? Where do I even start???

How do you go about resolving the debts on your own?

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I work for a debt settlement company, we handle Payday Loans everyday. As for the person above that works for a "Lender", i would imagine they work for Ameriloan, United Cash Loans, or US Fast Cash. They are the #1 most complained about company we hear about. They call customers at their place of employment, embarrass them, tell them they are lower than dirt, hang up on them and continue to call them 3-5 times a day.

On 8/7/09 I called PDL and spoke to a charming young lady by the name of Ericka, who told me that all 3 of my cash advances would be able to get paid off, by giving them a one time enrollment fee of $175.00, a monthly account maintence fee of $29.95, my service fee with them will be $361.80 & settleing all 3 loans at 35% with a total of $1206.00, and this is what I gave them, I made a money gram on 8/17/09 of $181.60 to a Mobile State, Al address and on 9/14/09 my first payment of $161.00 was draft out of my account. Today I received a statement from Global Client Solutions, saying I have only $66.22 in my account and non of my creditors have been paid off...I have spoke to PDL Eliminators on many occassions when I first notice how Global Solutions were taking $10.35 every month for a maintenance fee, and they always assured me that it was still enough funds in the account to settle. I still get calls from the creditors all the time, even at my place of employment. I called PDL Eliminators on 5/26/10 and even today to name a few dates, asking to speak to a supervisor and I always get there isn't one available and it can take up between 24 to 48 hours for one to call me back....

This is WRONG and any one can see that this is THEFT...this company is stealing money from consumers who need help and is trying to pay back their creditors.
If anyone has answers for me please help... I will do anything, sue or anything...I am thinging about letting my attorney look over all the papers they have sent me. :mad: