You Really Can Do This!

Wow, that is so kind of you to say bmblbe69. I too came to this site asking for help and help they did in soo many ways and I decided to stay and it has been over a year now. Thank you for sharing your story with us and I am so glad that you are on the road to a better financial health that in which you came. I love this family here.

Luke

bmblebee -

I'm SO happy for you! So the one lender that was insisting that you give them your bank account info caved and agreed to send you a money order for the refund instead??

See...if you play YOUR game instead of THEIRS, you CAN WIN!

Congratulations, bmblbe! You must feel SO good knowing that you are almost at the end of that road!

Yes that's correct. At first they didn't respond so I sent an email with her sentence that she was agreeing to refund my money highlighted and in red and stated they had 48 hours to respond or I was taking this to the next step. The woman I comunicated with was actually very nice and even apologized for not getting right back to me. Like I've said before, I think all of you have paved the way for people like me. THANK YOU!

Lots of tricks and advice here. This site has helped me with alot of my issues too ranging from medical bills, to mortage, to banking. It's great!

Great job I hope I can get the help i need to.

You can jodymari1979, just ask.

it's always nice to see people coming up out of debt. the $500 refund was very impressive as well. :)
your story was inspiring, I came here looking for a way to get out of payday loan hell and ended up loving it and staying here, as well.

glad to have you bea21s, we are all one family here helping each other, god bless you.

I am in exactly the same situation as bmblbe! I am single mom of 3 girls - one mentally challenged. She requires so much care - I was buried in medical bills and started taking out PDL's to get by. Before I know it Im so in debt. If I could just get a $3000 loan -I could pay off all PDL's and my credit card and the rest of the doctor bills. My credit is not good, but I am trustworthy and a hard worker. I hope a millionaire reads this and helps?? LOL . The PDL's really are a lot each payday - a loan payment would be simple compared to them. :shock:
Thanks for listening, Wacky

How many PDL's do you have? It's possible that they are operating illegally in your state and you might have already paid them what you should. If you could list the PDL companies that you have loans with, the amount of the original loan, the amount you've paid back (even if it's only extension/refinance fees), and the state your in, there are people on the board that will definitely be able to help you through this. They helped me for sure. You can take care of the PDL's yourself and save yourself a lot of money in the end. You can start down the path of financial freedom. You should register.

bmblbe taht is awesome to hear. may i ask which one actually refunded you money back?
I am still working to get my taken care of as well, but i have read the first thing is to close your acct, i cant yet cuz of neg balance and they wont be a stop on anything that is already authorized, and i spoke with the branch manager.
any suggestions my way
we do have my husband direct deposit going into a savings acct now, but i dont want this checking acct to get carried away.

Wendylynn, have you revoked ACH authorizations with your PDLs? If you have, then you should be able to get your bank to put a debit block on your account--because then those withdrawals would no longer be authorized. Of course, if you are dealing with legal PDLs, you would need to make payment arrangements with them.

"This hasn't been hard or complicated in any way, all it takes is to own up to our mistakes and start making better decisions where our money is concerned. I fully expect to have the final 2 PDL's eradicated before the end of the month."

Great attitude i hope others will take your lead and have a more positive outlook on their situation. I agree these forums are a great resource for information and encouragement to be able to make the right financial decision's now and in the future.

I have also gained so much from this forum...I am a single mother of 2 boys with 6 PDL storefront loans...although I am not out of the PDL nightmare yet I do have 3 EPPs (payment plans) set up with 3 of them and have worked out arrangements with the others. After living with the nightmare of paying and reloaning these for over a year I finally can sleep at night because I know these will all be paid by early december :) thanks to everyone on this forum...for those of you also in PDL hell I urge you to put an end to the insanity of paying and reloaning by calling to set up EPP plans or coming "clean" with the storefront PDLs to see how they might be able to work with you. It really is the only way out :) good luck to everyone out there....

Yes. Thank you for this website as it is giving me hope that there is light at the end of this horrible nightmare. I am a single Mom of just one gorgeous child and have so much respect for those who try to do it with more than one. You truly are amazing. I have gotten so depressed about my situation that I have just stopped talking about it and won't answer the phone at work or my cell. I do have meds and it does help but I am so scared. I have about 4K in debt ranging from PDL's to credit cards and just don't know which way to go. The storefront PDL I deal with a crazy lady who calls me like a psycho. I have an internet PDL that is bullying me and uses court and "jail" as a scare tactic. HELP ME!!!!
I appreciate any advice.
Thanks again,
lbnme

lbnme I would suggest picking the smaller accounts to pay off when possible. Eliminating a few will relieve some of that stress and if it's still a big issue maybe go to a debt settlement firm to negotiate the other debt.

i would like to find out how many i have. any one know how i can do this. i'm in the state of virginia and i've got some guy calling me from a.s.associates make threats. any help thanks

Wonderful story once again!!!

I do have bills comeing and not able to get to them all,Its up to you if there is anyway out of debt would be a miracle