My payday hell started about six months ago. I am a single mother, educated and gainfully employed, but like most single parents went through a "rough spot" during the holidays, birthdays and a surprise car repair. I started out by taking three loans. One was 1,100, one was 200 and the other 300. It was tough, but I knew about and expected the huge fees.
All was paid off within two months. Once again, now seeing how these services worked, I found myself NEEDING to get out of a bad situation. This time, it was due to the finance charges from these places. I was forced to renew loans. THIS TIME, I was SWAMPED with e-mail from different companies all claiming to have me pre-approved for these loans. All I had to do was "click" to find out the info. I took two more.in a complete state of panic, I went to my boyfriend and told him everything. He was sorry that I felt the need to use these services and gave me the money to pay them ALL off which I did right away.
To my surprise - my direct deposit from my job came and two days later it was gone. Companies with names which I have NEVER heard of and CERTAINLY NEVER signed anything for, were taking THOUSANDS of dollars out of my account. When I tried to put a stop payment for these places on my account, they put them through using different names and numbers.
I switched accounts, leaving the original open (switched to protect my paycheck) and now I am getting MANY threatening calls from places who don't even leave their names, saying that I am a criminal and that they are not only garnishing my wages, but that I am in legal trouble as well.
What are the laws in Pennsylvania and HOW do I STOP this? There are SO MANY of these companies that I don't even know where to start. When I wrote MYCASHNOW demanding that they show me a signed document by ME allowing this, they sent a contract with my name but NO signature (not even electronic) the signature line was BLANK. When I wrote them back, they ignored me and continued the threats. Not only are these fees giving me a negative balance with my bank, but my bank has also charged NSF fees for EVERY transaction that they try and take. It is now showing that I owe my BANK THOUSANDS of dollars.
I NEED HELP WITH THIS if ANYONE has ANY info PLEASE reply.
Jessica
elkins park, Pennsylvania
U.S.A.
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