I want to find how to contact Total Lending Payday Loan, either an e-mail address or 800 #.?

I have a payday loan I want to pay off with this company and I can't find the address for them and they just keep taking money from my checking acct. every 2 weeks and don't e-mail or call me to make arrangements for a pay-down or pay-off, which I know is a scam and that is why I want to get them paid off and their hands out of my money!!! Thanks for any info anyone has on this company. I expect there is at least one more "name" this company hides under so it is hard for someone like myself to find them on a web site, so if anyone knows other names please let me know, I REALLY want to get this issue resolved quickly!!!! Thanks, VIcki Dugger

I want to find how to contact Total Lending Payday Loan, either an e-mail address or 800 #.?
I am in the same prediciment as you. I also have a loan with this company. But, I might be able to help. This morning I found what I believe is their fax#. I had the name Elisa written next to it and I do remember she is the person who helped me with my loan. So, you can try faxing them a note at this number and telling them you want to pay off your loan or ask them to contact you. I hope this helps. When taking out these pay day loans it is best to keep the paper work you sign and fax to them because it usually has the phone number on it. I accidentally lost my paper work but I did at least have this fax number written down. 1-866-379-7667





UPDATE: Let me say this, the company is not doing anything illegal. When you took out a loan with them you agreed to pay a "finance charge" until your loan was paid off. I had to sign a contract which I printed from their web site and faxed back to them and I'm sure you probably had to do this too - it's a legal procedure.





The finance charge is based on the amount of money you borrowed. Example: If you borrowed $200 then they will take out a $60 finance charge on the dates you pre-arranged with them in your contract (usually your work pay dates) until the debt is paid off. Some pay day loan companies will automatically start paying down your loan after you have been charged a finance fee 4 times. Then most of them will start taking out $50 increments plus the finance charge until the loan is paid off. Total Lending does not do this automatically - you have to contact them and let them know that you either want to pay the loan off completely or pay it down in crements of however much you choose.





A word of caution when dealing with pay day loan companies - they are a rip off in that they charge outrageous finance fees for their loans. Most people end up paying way more for the loan than they actually borrowed. Personally, I got in a situation where I had no choice and had no where else to turn for money - this was my own fault. I am working on straightening out my finances right now and as soon as I have paid mine off, never again will I take out another one of these loans because they are so expensive to pay off.





I would not advise asking the bank to "reverse charges." Not only will you have to pay your bank a fee but Total Lending may also charge you a "returned check fee" as well which will just end up being more money out of your pocket. They can do this because it is in the contract you signed.





I would try the above fax# to contact them before I did this. This is what I plan to do. JMO.
Reply:If this is true, this company is shady, I would instruct your bank to reverse the money they've taken from your account. You have 60 days to do this. This doesn't hurt your credit score, btw.





After this, they'll call or email you. Then you can settle this debt in a honest manner. You can tell them that you reversed the payment b/c they have not made themselves available for you to pay the debt in full. Maybe there was a misunderstanding?





If they report you negatively to Teletrack, you can try and request an investigation and/or have it removed from their database based on what you're telling us. Good luck.


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