I got a cash advance of $150.00 through Ameriloan a few months ago. There was a $45.00 fee for every month that the account remained unpaid. To request full payment I have to go into my online account through Ameriloan and submit my payment request. I submitted a full payment request to be paid on 7-02. I requested it nearly a month ahead of time and it clearly showed on the computer at the time that I requested it and it had been scheduled.
When full payment was to have been made on July 2nd, I found out through looking into my bank account that the $45.00 fee was continuing to be taken out rather than the full payment I had requested. When going back in to my online Ameriloan account on their website I found that it looked like I had not submitted a request at all. It just showed what it usually did every month of $45.00 and when it was due next.
I then re-submitted a request for full payment for August 1st, which is the $150.00 plus the $45.00 combined, meaning the full payment that was scheduled again was for $195.00. I feel I should not have to pay the extra fees considering I tried to get it payed in full at the beginning of July.
From that point I emailed Ameriloan from the contact form on their website. I was harsh, I was threatening. I have been put through this same thing with other cash advances and did not want yet another to do the same. I told them I did not care anymore of the legal consequences and if they did not take care of this I would have my lawyer hash things out with them.
In one of the first e-mails I sent to them this month I even threatened to close my checking account if they did not take out the money owed to them immediately and I stated to them that this matter would be closed soon. I continued to get e-mails that gave me the runaround.
Shortly after I submitted for full payment, this time for August 1st, I told them I wanted to pay in full much sooner than that. I gave them a few days after I sent them my first e-mail to get the money out, then checked my banking account. Nothing new. So, I closed my checking account and ripped the money out from underneith them. It is safely somewhere else now and waiting to be paid to them.
I stated that no further account numbers to anything would be given, that included credit card numbers, new checking account numbers, etc.in order for them to get their money they would have to come directly to me for it. That I needed the name and address where to send a money order to. That was the only form of payment I was willing to give at the time.
I continued to get e-mails from customer service claiming I had to call customer service at 1-800-362-9090 and when their office hours were. I also would get e-mails about how they would except credit cards, debit and moneygram/Western Union. This particular e-mail mentioning about credit cards was after I mentioned I would not give out any card numbers and such.
I continued to persist on an address to send a money order to in order to pay off my loan. I needed the name to make it out to and the address to mail it to. I was wondering why they continued to give me the run around when I was asking simple questions that they would not answer. That I was supposed to call customer service when it was customer service I was getting all the e-mails from. It wasn't like I was asking anything difficult for them to send me through an e-mail. I told them to stop all the monkey shine.
I also mentioned that they must be afraid to give out their address.
I received another e-mail back stating once again to call customer service at 1-800-362-9090. I decided I would try to go through Western Union to pay them and use cash and walk in to a Western Union. But of course you need the information from the company, like numbers and such so you can send the money. So I had no choice but to call customer service.
I called Ameriloan thismorning. So far they actually still have full payment marked down to be paid on August 1st. Surprisingly. But they still want the extra fees with the payment that is paid every month, $195.00 total. Even though I claimed it was their mistake and full payment should have been made at the beginning of the month and no more fees should have been taken out.
You know what the woman told me at Ameriloan, "We don't make mistakes". She said they check their computer through and no sign of me submitting a full payment. I know I submitted one. This is just another way they can continue to take out more fees.
I asked why they do not take money orders. She said they don't take postal payments. But when I mentioned to her I cancelled my checking account she said they take starter checks from your new checking account. Well, wouldn't that have to mean I would have to mail the check? That would be considered a payment through the mail. But the only thing I told her when she said about the starter checks is that it would have my new account numbers on it and I said I would not give any numbers out.
I then asked her why they would not give me an address. She said they are not allowed to give out their postal address. She also said since Ameriloan gave me the money for the cash advance by ACH (Automatic Check) that they expected it to be paid back by ACH. So I told her that if she was doing the fair, fair tactic about that then why can't they give me a their address? I said "You have all my information, including my address, why can't I have yours?" She also told me that they would not except Western Union payment until time of collections. Meaning until after they tried to withdrawel from my account on August 1st and could not withdraw, then they would come after me for a late payment. I knew what the after time of collections meant.
That would make me look bad and them look good. You know what I told her? I told her "Screw It", and hung up the phone. But I did give her a good chewing out. I'm telling you Ameriloan makes every excuse to get more money out of you.
I'm looking around for lawyers to give me more advice. I have another cash advance out through another company worth alot more than that and I have a feeling come August 3rd when that one is due, though it should have been paid a lot sooner, that I will have the same trouble with them as well.
Regardless of what the online papers stated when I signed them, I was not going to continue to be ripped off and have what was left of my money and my pride destroyed. Stand up to these companies that take advantage of you when you are in a needing and desperate situation. Do not let all their legal tactics and papers stop you from taking the law into your own hands and fighting back through your own methods. (As long as you fight back legally, I am not encouraging you to do otherwise).
Most of all, close all your accounts and reopen them somewhere else where they think not to look, but make sure you keep the full amount of money hidden and don't spend it. So that you can prove you did have the money and were willing to pay before you even closed your account. Don't give in when they persist for account numbers to credit cards, or even your new accounts. Make sure you have it in writing that you were willing to pay them and when. That means e-mails or whatever you can find. That way when questioned by a lawyer or something when time of collections come, you do not get into so much trouble because the money was available to Ameriloan, but Ameriloan was fighting dirty.
Never again will I go through cash advances, or as some people call them, payday loans. I have lost so much money. It takes care of your problems for like a month and then things start going down hill after that. I am now in worse condition finanacially than I have ever been. I knew there would be some sort of risk when I first took out a cash advance, but I did not know it would go to the extent it did.
So many of the cash advances are bad ones. Don't get a cash advance. You may not recover for many months, maybe longer. Your credit will be further ruined because you can't pay on your loans you have out, your family will go into further debt trying to help you, your mental state is totally out of it. You can't pay any insurance bills, bills on the home or much of anything because the cash advances take so much from you. Right out of your accounts. You can get tired of debt collectors calling you for money.
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