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Author Topic: Lates this Month  (Read 17981 times)

Senator

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Re: Lates this Month
« Reply #15 on: April 29, 2008, 10:14:56 am »
Maybe they're trying the pulls just as the govt stimulus hits their accounts.
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Stats as of 12/29/2010:
Total withdrawals: $3,488.87 minus (-) Total deposits: $3,600.00 = ($111.13)
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Successful loans are made to persons who are on a clear path to financial stability. -Mjerryfirst May 18th, 2008.

I know that when I make my 10% those "unbelievers" will call it luck cause that will be the easiest way to excuse their mistakes. -Researchpro May 5th, 2009.

It's a great time to be poor and irresponsible in America. -PPT May 2009

beerbud1

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Re: Lates this Month
« Reply #16 on: April 29, 2008, 10:24:37 am »
Quote from: Senator on April 29, 2008, 10:14:56 am
Maybe they're trying the pulls just as the govt stimulus hits their accounts.
Sounds plausible to me.
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Mark12547

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Re: Lates this Month
« Reply #17 on: April 29, 2008, 10:39:48 am »
Quote from: beerbud1 on April 29, 2008, 10:24:37 am
Quote from: Senator on April 29, 2008, 10:14:56 am
Maybe they're trying the pulls just as the govt stimulus hits their accounts.
Sounds plausible to me.

Yes, and Prosper has enough information to make an intelligent guess on when that is, better than guessing payday, since the IRS had published a schedule based on SSN and Prosper has SSNs--two guesses: the date for direct deposit, and the date for a paper check. That's better odds than guessing when payday is for those that Prosper had not requested a paystub.

Only now the news is that the stimulus is going out early, but the IRS hasn't published a revised schedule.
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xraider

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Re: Lates this Month
« Reply #18 on: April 29, 2008, 10:50:41 am »
Out of my 7 lates, I have double daggers on one that's 10 days late.  Bet it does nothing.

We have enough information on this borrower that I'm tempted to call her and ask what's up with her loan!
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ira01

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Re: Lates this Month
« Reply #19 on: April 29, 2008, 11:52:18 am »
I have 2 4-month lates and 2 3-month lates, and none are showing daggers.  :(  I do seem to recall from the last time Prosper tried the payday pulls, though, that most of the payments wound up failing.
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mothandrust

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Re: Lates this Month
« Reply #20 on: April 30, 2008, 01:54:15 am »
I haven't been keeping track of the daggers but my general feeling is that since AmSher took over that the number of daggers is about half of what the oft-villified Penncro used to do.

Funny how people universally assume that AmSher is doing some wise strategic timing of pulls (around payday, when the stimulus checks hit, etc.).  Hope springs eternal.

How about pulling for 1/7 of the amount every day for a week if the first pull fails?
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xraider

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Re: Lates this Month
« Reply #21 on: April 30, 2008, 07:10:25 am »
Well, today's payday for those who get paid on the last of the month.

No new daggers.

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NewHorizon

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Re: Lates this Month
« Reply #22 on: April 30, 2008, 09:47:32 am »
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ira01

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Re: Lates this Month
« Reply #23 on: April 30, 2008, 12:14:53 pm »
Quote from: mothandrust on April 30, 2008, 01:54:15 am
How about pulling for 1/7 of the amount every day for a week if the first pull fails?

Some time ago Mark posted a link to the ACH rules that seem to say that a bounced payment can only be put through twice more.
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Senator

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Re: Lates this Month
« Reply #24 on: April 30, 2008, 04:50:00 pm »
Quote from: ira01 on April 30, 2008, 12:14:53 pm
Some time ago Mark posted a link to the ACH rules that seem to say that a bounced payment can only be put through twice more.
Here's a YouTube video where someone gets the same ACH pull attempt several times a day from some payday loan place.

http://youtube.com/watch?v=JcPgr3ogF1Y
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Stats as of 12/29/2010:
Total withdrawals: $3,488.87 minus (-) Total deposits: $3,600.00 = ($111.13)
Cash balance: $0
Principal value of active notes:  $0
Total active notes: 0 of 70.

Successful loans are made to persons who are on a clear path to financial stability. -Mjerryfirst May 18th, 2008.

I know that when I make my 10% those "unbelievers" will call it luck cause that will be the easiest way to excuse their mistakes. -Researchpro May 5th, 2009.

It's a great time to be poor and irresponsible in America. -PPT May 2009

Caladia

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Re: Lates this Month
« Reply #25 on: April 30, 2008, 08:46:09 pm »
Quote from: Senator on April 30, 2008, 04:50:00 pm
Quote from: ira01 on April 30, 2008, 12:14:53 pm
Some time ago Mark posted a link to the ACH rules that seem to say that a bounced payment can only be put through twice more.
Here's a YouTube video where someone gets the same ACH pull attempt several times a day from some payday loan place.

http://youtube.com/watch?v=JcPgr3ogF1Y

Actually, if you look at the video, he has at least 6 different payday loan companies trying to pull from his account.  Who knows, he could have more than that. 
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yankeefan

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Re: Lates this Month
« Reply #26 on: May 02, 2008, 11:45:38 am »
I had 5 loans that were 2months late which had attempted pulls today- 4 failed.
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beerbud1

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Re: Lates this Month
« Reply #27 on: May 02, 2008, 12:10:42 pm »
I had 7 payday pulls 6 failed.
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NewHorizon

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Re: Lates this Month
« Reply #28 on: May 02, 2008, 03:40:00 pm »
Quote from: NewHorizon on April 29, 2008, 09:25:59 am
I'm seeing a dagger combo on my 1 month late.
They did a pay cycle pull on this same loan on 11/30/07.
There've been 3 payments since then - which was keeping the loan current.
But the last payment was 2/12/08.

Today's pull is only a standard payment, however.
So it won't bring the loan current like the 11/30/07 pull did.

Crap - this pull failed.
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iLIE

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Re: Lates this Month
« Reply #29 on: May 02, 2008, 03:42:00 pm »
On the bright side they just sent these guys further in debt with another NSF
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