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Debt Consolidation Forums Payday Loan help

Ovlg



dmarte23

Posts: 15
Credits: 336.45
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Sub: Ovlg
Thu, 27/09/2012 07:06

Hi,

I was checking out OVLG and I would like to know if this is a reputable company and trustworthy. Has anyone tried this to help with their PDL.

Thanks.



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OhioGal1
OhioGal1


Debt Samaritan
Posts: 5216
Credits: 76080.346477606

Sub: #1 That was just some idiot. Ignore it :)Thu, 09/27/2012 - 07:06



That was just some idiot. Ignore it :)

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.


dmarte23
dmarte23
Posts: 15
Credits: 336.45

Sub: #2 HiThu, 09/27/2012 - 06:15



Hi I'm reading a post by unregistered guest. What does that mean?


Unregistered

Sub: #3 ATTENTION!! YOUR POST HAS BEEN EDITED BY SKYDIVR...... Quote:iWed, 09/26/2012 - 16:50



ATTENTION!! YOUR POST HAS BEEN EDITED BY SKYDIVR......

Quote:
i have used them . every time i take out too many payday loans and cant afford them i call oak law. deadbeats like me take out so many loans that we cant afford them so we need to call oak group. now that i found out theres a loophole making the laons illegal i dont need to pay them back!! i can be a deadbeat fraudster and take out as many as i want and never pay them back!!!
Not one word of this is worth a detailed response, so I will simply say get back to work on the phones, shill.....

Quote:
i dont have to pay my bill!!! but wait, i was arrested and taken to the court house for collateral check fraud, theft by deception. this is where i break the law and now i am posting from federal prison for breaking efederal laws
wow, really? So, you pretend that this could actually happen? We are not in the dark ages anymore--there are no debtor's prisons today. Back to the phones now, we wouldnt want you to lose any time on the phones, making illegal threats and having to lie to people, breaking federal laws yourself, just to earn a small paycheck.....

[QUOTE] now EDITED TO REMOVE PROFANITY[/QUOTE]Just because you talk on the phones that way to little old ladies so you can feel good about yourself, that doesnt mean it is acceptable for you to talk from the gutter in this here forum.

[QUOTE]
PAY YOUR RUH ROH!!!MORE PROFANITY!!! BILLS OR GO TO JAIL[/QUOTE]COME TAKE ME TO JAIL THEN.....because I would cut off my own head and eat it before I would hand you one penny.....oh, wait, that's right, YOU CANNOT PUT ME IN JAIL because IT IS ILLEGAL for you to even suggest such a thing.

Have a nice day, shill! Better luck scaring that little old lady on the phone tomorrow.....youre gonna need it.....


OhioGal1
OhioGal1


Debt Samaritan
Posts: 5216
Credits: 76080.346477606

Sub: #4 Try this: Dear Plain Green Loans, It has come to my attention Wed, 09/26/2012 - 12:43



Try this:
Dear Plain Green Loans,
It has come to my attention that lenders must be licensed by the state of New York in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $1000 on 7/25/12, and have had (3) bi-weekly withdrawals for a total of $411.75. The total amount that is left on the loan is $588.25.

At this time I am revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.

Please respond to this email with acknowledgment that my account balance is $588.25 and provide me with an address where I can send payments to satisfy this balance.

Thank you.

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.


dmarte23
dmarte23
Posts: 15
Credits: 336.45

Sub: #5 Example of my letterWed, 09/26/2012 - 12:34



[COLOR=black]Dear Plain Green Loans,[/COLOR]

It has come to my attention that payday lenders must be licensed by the state of New York in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $1000 on 7/25/12, and have had (3) bi-weekly withdrawals for a total of $411.75. The estimated total amount that is left on the loan is $589.00.

At this time I am requesting that my loan has a total due amount of $589.00. I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please respond to this email with acknowledgment that my account has been satisfied and that under the terms of this letter I will be paying the principal amount that is left over on my terms.


OhioGal1
OhioGal1


Debt Samaritan
Posts: 5216
Credits: 76080.346477606

Sub: #6 There are step by step instructions in the link in my posts. JuWed, 09/26/2012 - 11:56



There are step by step instructions in the link in my posts. Just tailor it to fit your particular situation. We can also help with advice along the way if you need it.

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.


dmarte23
dmarte23
Posts: 15
Credits: 336.45

Sub: #7 Where Do we StartWed, 09/26/2012 - 11:42



Where do we start from here.

First of all she canceled her bank account yesterday with BoA. We haven't sent out any letters of revocation yet.

So I think I need to start fast as these vendors will try on Friday September 28, 2012.


OhioGal1
OhioGal1


Debt Samaritan
Posts: 5216
Credits: 76080.346477606

Sub: #8 And OVLG should have told you this to begin with. They should hWed, 09/26/2012 - 11:33



And OVLG should have told you this to begin with. They should have advised you that these are illegal lenders and that you can handle it for yourself for FREE! They should NOT be taking on illegal loans for consolidation.

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.


waffles
waffles


Posts: 1678
Credits: 30959.147782844

Sub: #9 You're not understanding. They are legitimate in that they will Wed, 09/26/2012 - 10:51



You're not understanding. They are legitimate in that they will settle the balances BUT YOUR FRIEND WILL BE PAYING FOR NOTHING. Your friend does not need to be in this settlement program. Let me explain something to you - ALL of these loans are NULL AND VOID. Under the law your friend owes NOTHING to any of these lenders. For all intents and purposes your friend was just gifted money by these lenders. There is no recourse for them to get the money back. That said - paying back the principal is what is morally correct and what we advise you to do. Your friend can do that ON HER OWN SCHEDULE. If she wants to pay 10 bucks a month that is FINE. There is absolutely zero reason to be paying OVLG fees to do this for you. It is plain stupidity.

Is my payday lender illegal in my state?

How to deal with illegal lenders, courtesy of OhioGal

How to write a proper debt validation request, courtesy of SOAPLADY

How to deal with a Collection agency contacting you for PDLs


dmarte23
dmarte23
Posts: 15
Credits: 336.45

Sub: #10 How is Oak view not LegitWed, 09/26/2012 - 10:49



How is Oak View not legit when many other reviews are positive?

I don't understand.


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