what are my rights

I live in florida and have defaulted on several internet pay day loans.

Second payday loan with ameriloan $250.00 amount paid $300.00

Second payday loan with CashNetUSA $500.00 amount paid $387.01

Loan with Sandpoint capital $200.00 amount paid $720.00

Loan with Jd Marketing Group $200 amount paid $240.00

I have also already sent letters stating that i revoke all debits from my account and these companies are still debitting. What others rights do i have?

I can tell you that Cash Net USA is a legally operating company. They can take steps to collect. I would recommend making arrangements to pay off that debt.

The company goudah posted will be licensed/legal. One company listed is illegal/unlicensed. I'm not sure of the others, if they are licensed/legal. I'm going to post your Florida state pdl law for you so you can see it. However, let me first tell you that sending the letters revoking debit authorization will not prevent them from debiting. Mainly the illegal pdl's will continue to debit regardless. In this case, the best thing to do is to close your bank account and open a new one at a new bank. There is a sticky at the top of this site page regarding closing your bank account. Read that carefully. If you have any questions regarding closing your account, any questions regarding your state law, or any questions regarding the pdl's you're dealing with, please post. We can help you further.

F.Y.I. - We have quite a few members in your state that would be able to give you good information!

You will find the Payday loan laws for Florida here (just select your state),

http://www.debtconsolidationcare.com...pdls-laws.html

does any one know which of these ipdl are legal other thn cash net?

I know ameriloan is unlicensed/illegal. I haven't heard of the others. Hang on. We'll have a florida person here soon! Hang on!

Hi ibe- I am pulling some info for you right now, but I do have a question....you posted "second payday loan" and then "loan". So we can help, is there some distinct differences between the two?

Heres some info on JD Marketing:

J D Marketing
7473 W Lake Mead Rd
Las Vegas, NV 89128
(866) 722-2136
BBB has them as unsatisfactory and they are indeed illegal.

Couldnt find anything on Sandpoint Capital

I don't know about Sapoint either. ameriloan is illegal as Cannr says. Send them a letter requesting they mark you account paid in full citing Florida's laws. They are a company that goes 50/50. %0% of their clientele they will agree with without a fuss, the other 50% they argue with and continue trying to collect their money (or at least what they think is their money, but we know is illegal interest and fees).

Apparently Sandpoint Capital is HIDING. After doing a google search, I did find a telephone number and a fax number. However, nothing comes up under the name or telephone number. Are they using another name, by chance? Anyway, here is what I found:

Telephone: 1-800-708-4342
Fax: 1-817-335-1100

i got a call at work today from a collection agency susposely but i didnt talk with them. Well i looked at my loan documents from sand point and found a address for them from the west indies. I will be sending a letter to ameriloan with the paid in full request and see what happens. I also got a call from a lady at cashnet and she couldnt set up arrangements that i could afford, but she did give me the western union/ money gram info. So i guess that i will send them what i can

ibed, what address do you have for Sandpoint in the West Indies? If it's an illegal overseas pdl, you're more than likely going to have to type up a very fast letter revoking any wage assignment you signed with them. Does it state a name other than Sandpoint Capital? And what is the address?

Here is what i have

Sandpoint Capital, LLC
P.O. Box 636
Charleston, Nevis West Indies
Phone Number 1-800-708-4342
Fax Number 1-800-708-4351

I get no answer at this number

ibed, I can not find one thing on this company. For your own safety, just to play on the cautious side, send them a letter revoking any wage assignment you may have signed with them, their partners, or any affiliates. The illegal overseas company's are the ones that are notorious for doing wage assignments. Just to be on the "safe" side, type a letter revoking any wage assigment you may have signed. Fax it, email it, mail it certified.

i dont remember signing anything because the company called me. but i will do the letter now thank you

ibed, better safe than sorry. I would rather revoke something that didn't exist than risk the chance of not revoking anything and then it pops up one day 4 months later.