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Posted: Thu Dec 13, 2007 10:54 am

Hi everyone! I am brand new to this, came across it when I thought all hope was lost. Now there may be light at the end of the tunnel? I live in MN and have 8 current pdl's out there. My entire checks are being eaten up and I can't keep up on my mortgage. The very first one I took was a mistake, from then on I kept taking more & more to keep up on my other bills. Big mistake, it has all caught up with me. I have not had anyone calling me, all payments have been made. But I can't afford to pay them off to get rid of the fees! Please help me, angels! Here is my list....Netcash USA $500 taken out, have paid $1505. Apple Fastcash $500 taken out, have paid $1025. Web Payday $500 taken out, have paid $563. Impact Cash $300 taken out, have paid $390. BIG $200 taken out, have paid $290. Cashnet USA $500 taken out, have paid 125. US Fastcash $350 taken out, have paid $315. Capital Funding Express $300 taken out, have paid $90. Where do I begin? Please walk me through this!!
DD in MN

Posted: Thu Dec 13, 2007 11:01 am

Posted: Thu Dec 13, 2007 11:04 am

All applied for online, not sure what a "store front" pdl is...

Posted: Thu Dec 13, 2007 11:11 am

an actual store that you walk into.They are usually operating legally, where as a major portion of internet loans are illegal

Posted: Thu Dec 13, 2007 11:12 am

No, they were all internet.

Posted: Thu Dec 13, 2007 11:15 am

Minnesota is one of those state's that allows pdl's licensed in other state's to operate there, and they would need to follow the laws of the state they are licensed in.

Posted: Thu Dec 13, 2007 11:15 am

Ok, now I need to go back and see if their terms were all legit by MN law?

Posted: Thu Dec 13, 2007 11:15 am

Lookks like you have paid off 5 of your loans already.Some you may be due refunds on.
please read the sticky on the top of the pay day loan page, and if possible you will need to close your account asap so these companies can not debit any more of your money

Posted: Thu Dec 13, 2007 11:16 am

Oh. So I'm out of luck?

Posted: Thu Dec 13, 2007 11:17 am

Even though I've paid the balances off, it's been in fees.

Posted: Thu Dec 13, 2007 11:18 am

Not at all. You are in luck. All you owe it seems it 3 loans and not alot of money
capital you owe 210
us fast cash you owe 85.00
cash net usa which is legal you about 175

Posted: Thu Dec 13, 2007 11:26 am

Kash - MN allows pdl's to follow the laws of the state they are licensed in. MN laws would not apply, unless the company is actually licensed there.

Posted: Thu Dec 13, 2007 11:31 am

Some of hers are not licensed anywhere. Big is overseas, impact i believe is not licensed. I had that one. apple i am sure is also unlicensed.Web also I believe to be unlicended. I will check on the others