Indiana - online PDL Troubles

Goudah...how funny!! You crack me up...but you are also oh so right!!!

Ok Harliebarbie...are you ready...here we go..believe me...follow these steps and you will party hardy by next weekend.

1. I checked the Indiana DFI...and as I thought I can find no licenses for any of these...all internet loans, right?>? right.

OK. 2.You are going to read the closing bank info and that's your next step...stop paying on any of these and when you have your grand totals we will figure out just who you may owe. Open a new account and give NO ONE that information ever.

3. You will be writing letters to these ipdls revoking their rights to your checking accounts, any wage assignments,demanding they stop calling you at work etc. as required by law. If you have over paid you will say so and ask for a refund. We hardly ever get refunds but it's worth a shot. If you still owe on the principle you will ask to make arrangements to pay it off...in another way besides using your checking account. You closed it and don't have one...if they want their money they will give you another way to pay it off.

4. You will file complaints to the Indiana State's Attorney's office, the BBB and the FTC. Many times the AG's office and the BBB can help you in mediating closure with some of these. I am in that process now and the AG's office has helped me close 3 of the 5 I filed so far.

5. You will swear never to take out another ipdl!! Just joking here bit really don't...I know it made me sick too when I saw what I had paid over a 2 year period...but please you don't have time to be ill right now...now you have to fight to get your control back!!!

Also do as Goudah suggested and search under the names of some of these places and you can see how thye have been handled etc. Post any questions you have....read the do it yourself tab at the top of the page. There is so much info here...you can do this....and we can help you.

Now will they be calling my references and my job and telling them I owe this money? Or can they do that?

Once you revike their right to call they are required to stop. Now that said...these are illegal ipdls and they don't always follow the rules...however I will say out of the 10 I had I only got 2 or 3 calls at work...and they called my son once...mostly thye call when there is no way to get a hold of you. You can always make up a story for work...tell them someone got a hold of your info and opened an illegal loan in your name..you are trying to fight it off so there may be a couple of calls. Please believe me ..we have all lived through this...

I'm in Indiana as well......Listen to everyone on here....they have given great advice and have had luck with their complaints.....I have not had any luck but I've learned it never hurts to try......

Well, I just got off the phone with my bank and they said I could close my account completely and they would open up a new one. Said that it would stop anything from coming out of my account. I need to change my screen name on here, how do I do this?

Oh and one more thing, I can assure you that once I get out of this, I will NEVER, EVER, EVER, EVER get a payday loan again!!!!! I just hope I'm up for the harrassment. You all are so encouraging. I'm just very scared!!!

Make sure your bank assures you that it can not be forced open with the ipdl debits coming through..this happened to me and created a hell storm of nsf charges.

If you must change your name...PM mike and he can do it for you.

HB I was scared to...believe me!!! But when yu hold that first check in your hand and you can start paying your other bills on time and sleeping again at night...you will know we were right!!! You have more work to do...let us know what help you need...you will be fine..

Morningstarr is right. I used the "someone opend illegal loans in my name and I am trying to fight them." I also told our switchboard operator the same thing and asked all calls no matter what to be put through to my extension. I have been getting serious cooperation at work. My cell, if there is a number on caller ID, I sotred the number and programmed it to ring sinlent, so I do not hear if they call.

Who's Mike and how do I get a hold of him?

Mike is the admin for the site. Go to this post:

http://www.debtconsolidationcare.com...oderate-3.html

And find a post by Mike. Click on the PM button under his post and send him your request to change your username. He will change it for you!

any payday loan taken out AFTER July of 2007........should be considered VOIDED if NOT licensed? Could you doing copy and paste in an email stating that?

Tweety...just tell them they are not licensed and that means they are lending against the law...list the law for them...I also sent a copy of that whole new order...I was told by the AG office that it applys to companies who issue more than 25 loans in a year after that 07/01/07 date. What places are you having issues with??

I need to get a copy of that order.......if its the one you sent me I will use that one...

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I'm trying to do the right thing by validating the amounts but I'm not getting anywhere....

Tweety...they will never tell you the right amount that you owe...can you go back and look at your bank records to see what you paid?? If you are following Indiana law you are only going to pay the principle plus the allowed interest under our state law/minus what you already paid. I think I also sent you my C&D letter didn't I?? And you have the state laws right??

I have the state laws but I do not have the C&D letter..