I was online tonight looking @ the possibility of a payday loan for a car repair and i filled out a

applications. I simply thought that you had to click on something surely to agree to the terms and it sort of moduled the loan for you showing how you pay back and so forth ..I filled out 1 application and it said in big bold print %26quot;YOU ARE QUALIFIED FOR A PREPAID MASTERCARD WITH A 7,500 CREDIT LIMIT%26quot; and then in small print it said they would be taking out of my checking account a 1 time fee of 149.95 within 1 business day..WOAH!! HOLD ON.. no way, that%26#039;s not what I wanted. It didn%26#039;t even give me an option to click on to decline it..I tried to call a 800 # but said it was AFTER HRS and I also sent them an EMAIL telling them not to take that $ from my account..they have my routing number and my acct number because like I said I thought I was seeing what the terms would be for a payday loan..any suggestions??I have direct deposit and I am going to EXPLODE if they take that $ out of my account..

I was online tonight looking @ the possibility of a payday loan for a car repair and i filled out a couple of?

I agree with the other posts, continue trying to contact them..... if they say they open at 8 am, I would be calling them starting around 7:58 am so you can be first in line...... if that fails and even if it doesn%26#039;t, contact or better yet go to your bank and speak with the branch manager tell them what they are trying to do and that you didn%26#039;t authorize them to process that and see if you can get her/him to give you a statement.... or if it is possible tell them to do a stop payment on the charge.... it usually cost around $5.00 but $5.00 is better than the $149.95. Any card company that has that much of a substansial fee should be closed down in my opionion. I also suggest opening up a new account and transfer everything over to the new account..... as this may not even be a credit card company...... BUT BE SURE you contact the bank so they know you didn%26#039;t authorize the transaction and that you shouldn%26#039;t be held accountable if it does go through. If you get ahold of the company tell them that you didn%26#039;t authorize the process.. and that if they follow through with it you will be taking them to court at their expense plus more for loss time at work etc. Try to cover your bases as much as possible so you will have more of a leg to stand on if something more becomes of this.......

Also, if I may make a suggestion....... NEVER NEVER NEVER do a payday loan..... they have outrageous fees and a extremly outrageous interest rate......... If it is possible borrow from friends and family, even if you have to borrow so much from one and so much from another, this is much better than doing a payday loan........ you may also consider contacting Suze Orman at her site: http://suzeorman.com/ but be prepared for her to say something about the payday loan if you do contact her....... but still have to give her props though..... hope this helps...... don%26#039;t know what else to suggest other then contacting the company and your bank

I was online tonight looking @ the possibility of a payday loan for a car repair and i filled out a couple of?

I would have to see what you clicked on but it sounds like it said you were qualified, not that it actually processed you for the card. But just to be safe you need to contact your bank tomorrow or monday and make sure no such transaction took place. You might even consider closing the account and establishing a new one . If it did go through file a fraudulent charge report. Most banks will investigate and refund the amount although that can take weeks.

Edit- I read your extra details. Since you went ahead and gave out all your vital bank and personal info you must assume the worst. Contact your bank ASAP and stop it. This is fraud. If they took the money then file a report immediately. And NEVER do an online payday app. again.

And for the record, do NOT do a payday loan. These should be illegal. They will only rip you off with obscene interest rates and endless rollovers with even more criminal interest each week you can%26#039;t pay it back. These outfits are predatory scumbags who prey on those who are desperate. Find any way to solve your financial crunch but that.

I was online tonight looking @ the possibility of a payday loan for a car repair and i filled out a couple of?

In addition to talking with your bank to try to stop the transaction before it takes place, you should continue (in the morning) to try to contact the credit card company. I%26#039;m pretty sure that you have a certain number of days to change your mind and cancel the agreement. If so, even if they take the money from your account, they will have to refund it within a few business days.

Good luck!