Online direct payday lenders

If there were no payments that belonged to me in their suspense account when I reported them missing then they could not help me or provide credit for them. I prove they received my payment and they cannot locate where they posted the money so they are not going to give me credit for it.

I reported this problem to everyone who would listen including the Attorney General by submitting a complaint through their website and no one could help me. They started sending people out to reposess my car over these missing payments that I did online direct payday lenders now owe and that scared me so I had my employer advance me the money to pay off short term installment loans bad credit the whole loan in advance.

I expected them to credit the payment and refund the overage once the account was paid and closed.

I waited three months and never received my pink slip so I started calling and writing. My payment was received and applied, I over paid the amount due and a refund should be issued shortly for the overpayment and will be sent with my title. Six months after I paid off the account they sent someone to reposess my car again. I refused to give it to him and locked it in the garage claiming my loan was paid in full. No one at their office had a clue on what was going on with my account. I kept receiving monthly statements that showed my over payment and a credit balance on my account for about 8 months. They reversed the amount I paid 8 months after it was received and credited. Instead of reversing it as a single large payment, They broke it into monthly payments and subtracted it one by one (all on the same date 8 months later).

Then they added 13 late payment fees for each month now missing a payment going backwards (again all on the same date). So why did they reverse my payment that paid off my account? A person in their fraud department said that the name on the bank account where the payment came from did not match my name on my auto loan account with them.

Because the names did payday loans weekend funding not match, they were not sure if the payment was correct so they claim they called my Employers office to verify it and they were not able to.

They wanted to verify that the payment was posted to the right account, but they were not able to talk to them about my account because my employer is not on my account and there are privacy laws that prevent them from sharing information. So they called to verify the payment, but could not speak with them because they were not me so they could not give me credit for the payment that was applied almost a year ago. They backed off a payment that was credited for almost a year. I asked them and they said they could not tell me because my name is not on the check and their are privacy laws that prevent them from discussing personal information with me when I am not listed on that account.

They have no responsibility to protect my employer when he does not have an account with them right? She told me she could not tell me where she refunded my payment to. They sent my file to their legal department for reposession and my balance continued to grow. The debt was on my credit report until I sent a copy of the last payment made on the account to the bureau. I am left with a car that has a leinholder on the title that will never sign off on the car. They stopped looking for it and eventually lost my file. Now they tell me that I never had an account with them cause there is no file. At the same time, they will not sign off on my title online direct payday lenders or release the lein. They tell me that their company should not be on my title because I never had a loan with them. Just be prepared that your file could magically reappear. There are other ways to sell a car without removing them as lien holder. I think we just need to unite and let everyone in the world know to NEVER do business with Citi. If anyone has any credit cards, car loans - get them over to someone else if they can. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Following a public comment period, the Federal Trade Commission has approved a final order settling charges that Equifax Information Services LLC violated the Fair Credit Reporting Act and Section 5 of the Federal Trade Commission Act by improperly selling lists of millions of consumers who were late on their mortgages. The order also prohibits Equifax from online direct payday lenders 1) furnishing prescreened lists to anyone that it does not have reason to believe has a permissible purpose to receive them 2) failing to maintain reasonable procedures designed to limit the furnishing of prescreened loans payday lists to anyone except those who have a permissible purpose to receive them and 3) selling prescreened lists in connection with offers for debt relief products or services and mortgage assistance relief products and services, when advance fees are charged, with limited exceptions. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the on line bank internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.


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Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. I have a small 17K loan that use to be a second morgage but is in 1st loans today position due to the 1st loan was paid off due to house fire. An oversite on the morgage company Specialized Loan Servicing out of Alanta, GA found out that I did not have hazard insurance for 6 months. The morgage lender thought I had bought a year but I had bought 6 months with a construction hazard policy. I bought 6 more months of insurance on the renew date which is exactly 6 months of no insurance.

Even though I currently insured the property for 165K which is closer to property value.

And the amount of insurance coverage being forced on. In the same week I recieced a notice that they charged my account for 6 months of hazard insurance and cancled the insurance notice came two days later.

I am in WA state --- just wondering is it legal to buy insurance for the past. I am thinking I should send paperwork to the Federal Trade Commision in Washington DC to have them look into it.

In Wa state there is the State Insurance commision but because is goes across state lines it would have to go to WA DC.

Any issues involving escrow accounts will normally fall under RESPA and you can file a complaint against the lender with HUD here Persons who believe a settlement service provider has violated RESPA in an area in which the Department has enforcement authority (primarily sections 6, 8 and 9), may wish to file a complaint. The complaint should outline the violation and identify the violators by name, address and phone number.

Complainants should also provide their own name and phone number for follow up questions from HUD. Complaints should be sent to: The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the online direct payday lenders firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Thank you for the info. Now I need to go through boxes of stuff and find the contract when I bought the house in 2006. It was burnt around the edges but the center was good.

My first loan doc was about 2 inches thick and was burnt. Maybe there something where the house was destroyed and removed.

Plus this was a second loan that did not have escrow when taken out plus the loan being sold. In that letter demand your Life of Loan History, online direct payday lenders Copy of Note, Deed of Trust, Riders, all Assignments of the Deed of Trust, TIL, Right of Rescission (if refi), Lender Final HUD-1, Copy of Initial Loan Application and Final Lender Loan Application, all Disclosures and all Loan Documents in your file, Copy of Appraisal. The following is a sample qualified written request from you, the borrower, to a lender. Use this format to address complaints under the Real Estate Settlement Procedures Act (RESPA). Be sure to read more about RESPA, and your rights under this Act, elsewhere I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try payday loans springfield il to resolve the issue within 60 business days. REMEMBER: This letter SHOULD NOT be included with your mortgage payment, but should be sent separately to the customer service address. See the The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Cat - Please forgive my contacting you on this thread. I am trying to find information about others who have filed complaints re the loan mod process with the big agencies, OCC, TREAS, ATG, FDIC etc.

I have done a search on loansafe for sample complaints, complaints etc but am not pulling up a thread that seems to deal with this.. Wondering if you would be kind enough to direct me.. Is there any one place where I might find others posting their letters of complaint and their stories with filing the complaints? Be well The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on loans with bad credit and monthly payments the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.