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 Posted: Wed Apr 23, 2008 8:54 am Subject: PDL Help in CT
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Hello. I have been stupid but finding this site makes me feel so much better because I feel like there is hope.
Her is my info.
3Bdayloans.com - internet.
Borrowed $450 Paid $355 Owe $585
mycashnow.com - internet
borrowed $650 Paid $1048.13 Owe $415.17
magnum.com - internet
borrowed $473 Paid $497.20 Owe $497.20
netcash.com internet
borrowed $350 Paid $0 Owe $455
500fastcash.com internet
borrowed $250 Paid $0 Owe $325
1clickcash.com internet
borrowed $250 Paid $0 Owe $325
I live in Connecticut.
My checking account is till open. I took out the last 3 to try to pay bills and stop my account from being over drafted but it happened anyways and now I realize that I am dying. I can pay these one at a time but I don't know how to make them stop taking the money from my account. Help me please !!!!
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kpepper1177
Joined: 23 Apr 2008
Posts: 2
Debtcc Points: 36
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Posted: Wed Apr 23, 2008 9:03 am Subject:
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kpepper, welcome to the site. Many of us have been in your shoes and will be more than happy to help you. You did an excellent job listing the information we needed. Here are you laws for CT
| Quote: | Connecticut State Information
Legal Status: Prohibited
Citation:
Usury act applies or small loan act applies. Conn. Gen. Stat.ยง 36a-563
Small Loan Rate Cap
30.03% APR or $17 per $100 up to $600; $11 per $100 up to $1,800; add-on interest
Where to Complain, Get Information:
Regulator: Connecticut Department of Banking
Address: 260 Constitution Plaza Hartford CT 06103
Phone: (860) 240-8299
Fax: (860) 240-8167
Regulatory Contact: Alan Cicchetti Deputy Commissioner
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You will need to close your bank account or atleast put a hard debit block on the account so the pdls no longer have access to your money. When you open your new account we suggest you open one at a different bank to keep the accounts from being linked in any way. Here is some information on closing your account. If you have any questions, please do not hesitate to post them.
http://www.debtconsolidationcare.com/paydayloan/close-account.html
I am going to ask a moderator to move your post to the Getting Out of Pay Day Loan Help fourm. There are many members that can and will help you there. 
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4052
Debtcc Points: 11445
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Posted: Wed Apr 23, 2008 10:53 am Subject:
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kpepper-I don't think I can help except to offer support. I have been reading stuff on here for a couple weeks and you should to. These guys really know their stuff and offer a lot of help. I wrote stuff down on a legal pad and kept it handy so when these jokers call me, I know exactly what I need to say (they upset me with all their threats and yelling) But reading stuff here has really armed me with some good information so I can deal with them. I still have knocky knees when I get off the phone, but it isn't quite as bad as before.
Hang in there.
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Guest
Debtcc Points: 100
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Posted: Wed Apr 23, 2008 11:16 am Subject:
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Thanks so much. I can tell the people on this website are great. If I had any money, I would pay to join  I already went to my bank and will close my account on Friday, once I bring it current. I also spoke with someone in the state Dept of banking and she actually suggested this website and sent me some state CT law stuff to attach to correspondence when I write the PDLs. I guess our attorney general is well aware of this problem and is working to oulaw this kind of thing and educate as many as possible.
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kpepper1177
Joined: 23 Apr 2008
Posts: 2
Debtcc Points: 36
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Posted: Wed Apr 23, 2008 11:56 am Subject:
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Kpepper - You already have joined the site. It's free!
_________________
How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
Vivek? Where are you my love?
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goudah2424
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Joined: 31 Oct 2006
Posts: 7935
Debtcc Points: 111173
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Posted: Wed Apr 23, 2008 11:58 am Subject: PDL in Connecticut
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Don't feel bad....I'm from Ct and in the same boat. This website has made me feel so much better about everything. If I had not found it I would be paying those horrible fees for at least the next year.
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LisaC
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Debtcc Points: 100
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Posted: Wed Apr 23, 2008 12:23 pm Subject:
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kpepper, welcome to this site! When I came here, less than a month ago, I too felt really stupid. I was scared to actually tell anyone excatly how much trouble I had gotten myself into. But I did, and the people on this site have been so supportive and helpful. Hang in there, listen to the people with experience on this site and everything will get better!!!!
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momof1_1990
Joined: 31 Mar 2008
Posts: 93
Debtcc Points: 2020
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Posted: Wed Apr 23, 2008 1:12 pm Subject:
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I can not even tell you how much better I feel already, just to be doing something. I have been unable to sleep and all I can think about is paying these people back. I even got a part time job but the money goes so fast, I can not work enough to keep up.
I am going to open an account at a new bank, then close my old one. I am doing that tomorrow. I had to make sure all my other bills were paid before I closed it.
I have read the other posts so I guess once that is done, I should contact the companies. I found a letter on one thread that I can send them all, even though they are very rude when you ask them for a mailing address. I don't want to call them too much because I don't want them to know what I am doing.
Thank you all so much. I can actually sleep tonight 
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Debtcc Points: 100
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Posted: Wed Apr 23, 2008 2:41 pm Subject:
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You can also search on here for companies mailing addresses. Just type in their name in the box at the top in the right hand corner. That way you don't have to talk to them!
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momof1_1990
Joined: 31 Mar 2008
Posts: 93
Debtcc Points: 2020
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Posted: Thu Apr 24, 2008 6:31 am Subject:
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Good advice everyone. Kpepper, you are doing an awsome job. Just remember we are here if you need anything. Remember to send your letters certified return receipt. Also, feel free to e-mail and/or fax them as well. IF you have difficulty locating and address just let us know.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
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Joined: 03 Aug 2007
Posts: 4052
Debtcc Points: 11445
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Posted: Thu Apr 24, 2008 8:31 am Subject:
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Thanks so much everyone. I am sending all the letters tomorrow via certified mail. I want to make sure my account is really closed first. I opened a new account at a new bank. Thats OK, right? What do I say to them when they start calling??? I am sure they will call.
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Kpepper
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Debtcc Points: 100
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Posted: Thu Apr 24, 2008 8:45 am Subject:
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account at a new bank is a good choice. That way the two accounts will never be linked in any way. When they start calling, my suggestion is to avoid talking to them if possible. When they call, respond in writing.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4052
Debtcc Points: 11445
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Posted: Thu Apr 24, 2008 9:33 am Subject:
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This site was truly a GOD send for me back in December 2007. I don't know what I did to find it only that I needed help.
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bjpetersen2
Joined: 09 Nov 2007
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Debtcc Points: 1473
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