| Author |
Message |
|
|
 Posted: Fri Jan 18, 2008 9:06 pm Subject: Discont advances contact info help
|
|
|
Has anyone had any dealing with discount advances? If so do you have an address or email address for them all I can find is phones numbers I would rather have something in writing than talking to them.
Also when trying to work out something with them can I ask them to consider the amount I have overpaid them on previous loans?
I got a loan in Dec for 240 and have pd 0 on it due to closing my checking account. I live in TN.
LOAN AMOUNT FEES AND INTEREST PD
OCT 19, 2007 220.00 38.50=258.50pd
SEP 07, 2007 220.00 326.63=546.63pd
JUN 15, 2007 180.00 157.13=337.13pd
|
|
tiffy19_2006
Joined: 18 Jan 2008
Posts: 10
Debtcc Points: 314
|
|
|
 |
|
Posted: Sat Jan 19, 2008 6:35 pm Subject:
|
|
|
I can't find any contact information. If they are an illegal PDL I would not pay them anything. With your previous loans with them you have already paid them back the principle and then some.
|
|
LoneGunman
Joined: 14 Jan 2008
Posts: 226
Debtcc Points: 1631
|
|
|
|
Posted: Sat Jan 19, 2008 7:54 pm Subject:
|
|
|
You can try this fax number. I will also post the PDL laws for your state Tn Laws are pretty good regarding what they can charge for intrest
Their fax number is 1.866.729.3376
Here are the laws.
| Quote: | Tennessee State Information
Legal Status: Legal
Citation:
Tenn. Code Ann. §45-17-101 et seq.
Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: the lesser of 15% of the check or $30
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: 3 (2 per licensee)
Rollovers Permitted: None (cannot renew or otherwise consolidate)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: One $30 NSF Fee; Court Costs
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: Tennessee Department of Financial Institutions
Address: 511 Union Street, Suite 400 Nashville TN 37219
Phone: (615) 741-2236
Fax: (615) 532-1018
Regulatory Contact: Bart Daughdrill,
http://www.tennessee.gov/tdfi/ |
|
|
kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5458
Debtcc Points: 38911
|
|
|
|
Posted: Sat Jan 19, 2008 7:56 pm Subject:
|
|
|
Tiffy, if your numbers are correct it looks like you have overpaid all your other loans
|
|
kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5458
Debtcc Points: 38911
|
|
|
|
