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 Posted: Tue Nov 18, 2008 10:40 am Subject: I have TOO MANY PDL to count |
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below is my dilemma. Between rent, utilities and afterschool program costs I can't afford to pay these back any longer. As of this morning my account is now overdrawn. $500.00. I do have a backup checking account with another bank. thank god, because now im going to have to have my direct deposit go into that account. But now I have to face these people hunting me down for thier money. I don't even know where to begin to take care of all these loans.
Any advice?? what can the store front people do to me legally. The internet ones I'm not so much worried about. It's the store front ones that are killing me.
I tried to be as accurate as possible with the balances and original amounts i loaned out.
In-Store
EZ Money
Loan - $700.00 Refinanced twice $142.00
Advance America
$700.00 not paid yet(loan was due on 11/14/08
First Cash
$ 550.00 due on 11/28
PLS
$400.00 due now
Ultimate Cash Advance
$300.00 cost me 361.00 to borrow balance is $331.00 due on 11/14/08
Speedy Cash
$825.00 refinance 167.00
Check into Cash
$500.00 balance now $481.00 past due as of 10/30/08
Online Loans
Checkngo
$700.00 paid $228.28 on 11/14/08 refinance fee was $153.00
Solomn Finance (pay1day.com)
$390.00 paid as of 11/14/05 $115.00 of
National Cash Advance
$500.00 i missed one schedule payment and now they say I owe 800.00 and i've been put on a payment arrangement and so far I've paid back already $500.00 including the missed payment. I don't feel i owe 800.00
Fast and Reliable Cash
$400.00 on payment plan say I owe 540.00 I have one final payment of $135.00 and they're paid in full which is due on 11/28/08
Cashnet America
$600.00
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kimberlydavis49
Joined: 18 Nov 2008
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| Posted: Tue Nov 18, 2008 10:54 am Subject: |
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What state do you live in?
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nohiogal
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| Posted: Tue Nov 18, 2008 10:57 am Subject: What state do you live in? |
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Texas
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kimberlydavis49
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| Posted: Tue Nov 18, 2008 1:20 pm Subject: |
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hang tight someone will be along to help you with texas laws.
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bea2ls
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| Posted: Tue Nov 18, 2008 3:29 pm Subject: |
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Great I thought you guys forgot about me. I'm waiting patiently for some advise on what to do.
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Kimberly Davis
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| Posted: Tue Nov 18, 2008 4:42 pm Subject: |
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I'm in the same boat as you,just not as bad.I'm confused about Texas laws too.
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green2145
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| Posted: Tue Nov 18, 2008 4:46 pm Subject: |
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Any mods here to help us out?
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green2145
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| Posted: Tue Nov 18, 2008 5:01 pm Subject: |
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Hang tight I will PM someone who know TX laws.
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puddlejmpr
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| Posted: Wed Nov 19, 2008 1:29 pm Subject: PDYLoans |
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I have alot of PDL's also. I live in PA.
They are houding me.
I closed my account as I could not pay them back the finance fees..
Anyonbe. can you give me some advice?
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Patti
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| Posted: Wed Nov 19, 2008 2:12 pm Subject: |
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Hi Patti,
Could you please tell us:
Name of company
internet or storefront
home much you borrowed
home much paid back including fee's
I will post the law's for PA for you.
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Greatness comes in simple trappings.
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dawnlango7
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| Posted: Wed Nov 19, 2008 2:16 pm Subject: |
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Here is some info on PA:
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I will post your pdl laws, and even though it says they are prohibited, keep in mind that Pa. has a loophole which means whatever state the Internet pdl is licensed, is the state laws you must abide by. Quote:
Pennsylvania State Information
Legal Status: Prohibited
Citation:
Check cashers are specifically prohibited from making payday loans under Check Cashing Licensing Act of 1998, § 505(a). Otherwise, consumer discount company act applies. 7 Pa. Cons. Stat. Ann. § 6201 et seq.
Small Loan Rate Cap
$9.50 per $100 per year discount or 24% per year
Where to Complain, Get Information:
Regulator: Pennsylvania Department of Banking
Address: Market Square Plaza, 17 N. Second Street Harrisburg PA 17101
Phone: (717) 214-8343
Fax: (717) 787-8773
Regulatory Contact: Jim Keiser Administrator of Non-Depository Institutions
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HAPPY NEW YEAR!!!
To a crisis of the spirit, we need an answer of the spirit.
To find that answer, we need only look within ourselves.
When we listen to "the better angels of our nature," we find that they celebrate the simple things, the basic things--such as goodness, decency, love, kindness.
Greatness comes in simple trappings.
-Richard Milhous Nixon,
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dawnlango7
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| Posted: Wed Nov 19, 2008 2:25 pm Subject: PAYDAY LOANS |
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So you are showing that I have to abide by their laws since I signed their contracts?
My Loans:
my cash now
United Cash Loan
Cash Direct
Cashback
Cash Express
Think Cash
Payday Select
Cash Spot
Biggest Cash
500 Fash Cash
My Cash Now e-mailed me today and said they would accept $261.00 vs the $711.00 that I owed them but I never sent them anything.
What am I responsible for.
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Patti
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| Posted: Wed Nov 19, 2008 2:39 pm Subject: |
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Hi Patti,
We would need to check if any of the above companies are licensed in another state. If they are, then you would need to go by that states laws.
I know that Think Cash is legal, they are backed by the First Bank of DE and are an installment loan.
If someone doesn't get back to you before I do, then I will work on this when I get home tonight 
_________________
HAPPY NEW YEAR!!!
To a crisis of the spirit, we need an answer of the spirit.
To find that answer, we need only look within ourselves.
When we listen to "the better angels of our nature," we find that they celebrate the simple things, the basic things--such as goodness, decency, love, kindness.
Greatness comes in simple trappings.
-Richard Milhous Nixon,
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dawnlango7
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| Posted: Wed Nov 19, 2008 2:47 pm Subject: HERE ARE MY LOANS |
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Creditor Name Original Balance Owe
(How much you received
at the time of the loan)
my cash now 1000 $771.11 This is with interest
Payday Select 1000 $1,000 PD more than $500.00
Think Cash 750 $356.00 pd$394.00
Cash on Wheel 400 400
550 Cash 300 300
Cash Spot 300 300
Cash Direct 400 400
Loan Point USA 500 500
Integrity Advance 400 280 Pd $240.00
United Cash 400 400
Biggest-Cash 300 300
American credit consumer 300 75 pd$$225.00
Cash Back 450 450
6500 $5,532.11
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Patti
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| Posted: Wed Nov 19, 2008 2:51 pm Subject: |
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THINK CASH IS A VENDOR OF THE FIRST DELAWARE BANK.
I ALREADY SPOKE TO SOMEONE AT FDB
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| Posted: Wed Nov 19, 2008 4:09 pm Subject: Too Many PDL to Count |
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How come Patti got assistance and not me? I'm the original poster of this thread and no one has even bothered to help me. She got help on my thread but i've been totally ignored.
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kd1
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