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 Posted: Wed Aug 16, 2006 5:23 am Subject: Cash advances |
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I am recently divorced and with my truck payment and my rent/utilities money got short so i fell into the cash advance money pit. Borrowed $400.00 paid bills then when paycheck time came over half of it went to pay back the cash advance so i had to borrow more to get me through next payday and on and on. Before i knew it i was taking out one cash advance to pay off another and its just crazy. I hate payday because it just means i paid on a payday loan and have no money left over for the important stuff. 
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JENJOHIO
Joined: 16 Aug 2006
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PinkLady
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| Posted: Wed Aug 16, 2006 7:04 am Subject: |
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Both, 2 are local and 2 are online
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JENJOHIO
Joined: 16 Aug 2006
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| Posted: Wed Aug 16, 2006 7:21 am Subject: Laws in OHIO |
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how do i find out what the laws are in OHIO, if anyone could tell me it would be much appreciated.
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JENJOHIO
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PinkLady
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| Posted: Wed Aug 16, 2006 8:01 am Subject: |
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Thank you, the two online lenders are one click cash, i made 4 payments of $105.00 for a $350.00 loan and when they took out a 5th amount of $160.00 i called them and they said the $105.00 was just to roll the loan over i still owed $500.00, i coulnd't beleive it. The other one is cashnet usa.
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JENJOHIO
Joined: 16 Aug 2006
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| Posted: Wed Aug 16, 2006 8:16 am Subject: |
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I'm not sure about the PDL's laws for OHIO, but once you find out what the max interest rate is for OHIO, then you can calculate and see if you have overpaid or not. If you have overpaid, you may want to try and request a paid in full letter. Which you can find a copy of that on the second link I attatched in my last posting. Most likely your store front lenders are following the state laws, but it doesn't hurt to double check. You should do a search for those two online PDL's on this website, I know a lot of people have dealt with them both. I don't think Oneclickcash was an easy one to work with.
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ILLINOIS LICENSE SEARCH / CONSUMER CREDIT / GUIDE TO PAYDAY LOANS
http://www.idfpr.com/dfi/ccd/ccd_licensees.asp
ILLINOIS PAYDAY LOAN LAWS
http://www.paydayloaninfo.org/state_detail.cfm?id=IL
WISCONSIN PAYDAY LOAN LAWS
http://www.paydayloaninfo.org/state_detail.cfm?id=WI
WISCONSIN LICENSE SEARCH
http://www.wdfi.org/fi/lfs/licensee%5Flists/
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PinkLady
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| Posted: Wed Aug 16, 2006 8:20 am Subject: |
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Thank you so much i will keep you posted
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JENJOHIO
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| Posted: Fri Aug 18, 2006 11:20 am Subject: HELP |
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ok I went on pollyandsay's site but I cant find a link to see what the laws are for Ohio, can anyone help me out?
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JENJOHIO
Joined: 16 Aug 2006
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| Posted: Fri Aug 18, 2006 11:40 am Subject: Payday Loans |
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JenjOhio, Here are the laws $15 per 100 borrowed. No Rollover Allowed. Maximum contract 500 Must have license as check casher. So you have overpaid on the online loan plus they are not licensed. One Click is affilated with Rio Resouces and are difficult people. I never did have cashnetusa. Hope this helps I would contact them and give them state laws and ask for paid in full status . KYSIDE38
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KYSIDE38
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| Posted: Fri Aug 18, 2006 12:00 pm Subject: |
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Thank you kyside38
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JENJOHIO
Joined: 16 Aug 2006
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| Posted: Fri Aug 18, 2006 12:18 pm Subject: cash advances |
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Who are the store front lenders in Ohio? I am also working with oneclickcash right now. Have you had your account frozen and/or closed?
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ouzog12
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| Posted: Fri Aug 18, 2006 12:20 pm Subject: |
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If you have overpaid oneclick go to pollyandsay's blog and use the template letter stating your states laws etc. and how much you've already paid. Don't let them intimidate you they are part of Rio Resources and like to bully people.
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Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
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CycloneFan
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| Posted: Fri Aug 18, 2006 12:23 pm Subject: payday loan |
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Sue, I think we all know about Rio lol. I can not believe how many names they hide under. Maybe someday we will get justice against them. KYSIDE38
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KYSIDE38
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| Posted: Mon Aug 21, 2006 5:18 am Subject: Store front lenders |
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The store front lenders in Ohio are....Urgent Cash & Cash Land, Urgent Cash is working with me on a repayment, but Urgent cash doesnt want to. I just closed out my account, it got to the point where my entire paycheck was going to paying back thoes loans and I had no money to pay bills and the hole was just getting deeper and I had to do something, I feel alot better now. I feel like I'm in control of my money and Im paying them back.
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Jen
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| Posted: Tue Aug 22, 2006 5:21 pm Subject: Need A Loan |
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I applied for a loan online and your company need me to send information in reference to a copy of my bank statement for my checking account and I need your fax number to send it,please reply asap.
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Sandra Gordon
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