Over paid ?

California, I got a 1,000.00 dental loan over the phone a couple of years ago. It has increased to 1,600.00 due to unemployment for awhile. "Late payment fee" then "overlimit fee" due to all the "late payment fee". I communicated with them requesting to stop all the fees. but, no luck. Since gaining employment a year ago, I have been sending double payments and the principal isn't getting lower. Recently, I went thru all of the money order receipts to them and I've sent them $2,026.00. I feel I've paid the original debt plus the fees.. I need some feedback . Please advise.. Thank You very much, Sincerely, gayle

[Ladynred]

What exactly are you asking here ?

You're not going to be able to say "I've paid the original balance and I'm not paying any more", they will only sue you for it and the balance will grow even more. I can only assume the interest rate on this loan is horrendous. Have you cleared the over-limit problem ? Are they still charging you late fees ? Are you getting your payments in on time ?

What kind of loan was it to start with, was it with a finance company ?

[JETX]

This can all be resolved very easily.
Read your agreement. Unless illegal (usury, etc.) they can charge you any fees or penalties shown in the agreement.... and that you accepted when you signed it.
So, READ the agreement. If they are in violation of the terms, write them and demand that they comply. If they are not in violation, you are SOL.

You should have negotiated a payoff amount before you started making installment payments into a blackhole. It's not too late to negotiate a final payoff amount.

Get it in writing from the creditor/ collector

JETX, could you provide a sample demand to comply letter? Perhaps a site with a good one?
I think it would help a lot of people to be able to simply say "stick to yer darn agreement."