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Taking the plunge - help needed!

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Posts: 4
Credits: 166.1

My payday is today 8/15.
I was able to close by bank account this week.
I need help with what to do, what letters to send, etc. I've tried to look at all the different threads with letters and information for months now but I get so confused. Hopefully one of you can take me under your wing.

Here goes:
I live in Texas

Western Sky - Cash Call
Loan: $2600
Paid to date: $3239.06.
Been current until tomorrow, but received an email on 8/2 that the servicing has been transferred to Delbert Services.

Plain Green Loans
Loan: $1800
Paid to date: $1713.60

Net Pay Advance aka Paydayflex aka ISF Texas, LLC
Loan: $500
Paid to date: $128.83

Cash Central
Loan: $1200 owe $1478.87
Have not refinanced this loan, rarely do, but I've been a continuous customer since 2007 with no defaults or missed payments, So I've paid them thousands of dollars!

Discount Advances
Loan $990 owe 1316.40
Same as cash central, but did have payment plan with them at one time.

Put all the stuff others have put in, and offered to pay them the $86.40 I have left on the amount borrowed. We'll see what happens.

Sub: #1 posted on Thu, 08/15/2013 - 14:42


(Posts: 4 | Credits: 1.66)

Here is the link on how to deal with - pretty easy to find: th-illegallende...

Sub: #2 posted on Thu, 08/15/2013 - 16:42

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: 288.12)

Western Sky, Plain Green and Discount Advances are illegal lenders. You are required to pay them only the principal balance. Ask them for the refund, as you have already overpaid them. No interest, no fees. Just close down your old bank account and open a new one to stop debiting money from your account.

But Net Pay Advance and Cash central are licensed lenders. In this case you are liable to pay them both the principal and interest. Try to negotiate with them and set up a payment arrangement with them.

Sub: #3 posted on Mon, 08/19/2013 - 12:52


Plain Green agreed to close the account with the $86.40. YAY!

Delbert (western sky) keeps calling and emailing...WHAT DO I DO? They actually owe me do I send an email like those I've seen posted demanding a refund?

I didn't realize Discount Advances was Illegal. I'll send them an email right away.

Cash Central won't offer anything buy $400 a month to close...will they sale their loan to an Agency? I'd prefer that so I can set up a manageable payment plan.

I paid Net Pay advance since it was the smallest amount.

Sub: #4 posted on Thu, 09/05/2013 - 07:43


(Posts: 4 | Credits: 1.66)

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