In September I received a payday loan for $225 which included a fee of $25 for them to transfer the money to me. I opted to pay the loan back in one installment of $336 to be taken back the following month. Shortly after that I moved to a new state and didn't receive my bank statements for a while until February where I noticed that there were transactions against my account from Apple Lending (4 months later). I heard there were payday loans scams going on so I promptly called my bank and issued a Stop-Payment against the transaction.
The following month I noticed they had made another claim against my account, one which brought me into overdraft, I issued another stop-payment then called the company. When I finally spoke to an agent, she told me that I owed over $300, more than I even took out for the loan! I informed them they were wrong and not to collect against my account again. The next month we did the same dance.
Finally this morning my husband informed me that a lawyer had called stating that a lawsuit in excess of over $1000 was being filed against me. When I returned the call the Lawyer claimed that I was in the wrong, that he has no record of me paying my balance and basically I was lying. He gave the impression that I must be crazy to think that it was crazy to pay over $1000 for a $200 loan. After he rudely yelled and hung up on me, I called and ordered copies of my bank statement.
I'm on my way to finding legal advice, and I plan so seek advice on countersuing for the overdraft amount and inconveniences caused by the unauthorized debiting of my bank account and abuse of my trust and contract.
M. Michele
sierra vista, Arizona
U.S.A.
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