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 Posted: Mon May 12, 2008 2:13 pm
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i am a bit confused, first of all these MTE companies you refer to. what does that mean when they are illegal? i will go ahead and put this out there too.
here is my PDL status
United Cash Loans
Oneclick Cash
EZ Payday
Fastwire
Payday One
Cashnet
Paycheck today
Payday yes
Cash Central
Discount Loans
I am done, i am starting to look for ways to pay these places off, without getting in trouble. Could anyone tell me how to do that?? I live in Wisconsin.
I have paid these places thousands.
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mardischmid
Joined: 12 May 2008
Posts: 25
Debtcc Points: 320
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Posted: Mon May 12, 2008 2:21 pm
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welcome to the forum,if you could list how
much borrowed from each,and how much paid
total we can assist here.
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 1741
Debtcc Points: 7390
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Posted: Mon May 12, 2008 4:25 pm
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I don't think you listed what state you are in. Could you do that as well?
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llw1995
Joined: 02 Feb 2008
Posts: 863
Debtcc Points: 10247
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Posted: Tue May 13, 2008 4:41 am
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I will post the laws for your state.
Wisconsin State Information
Legal Status: Legal
Citation:
Wis. Stat. ยง 138.09
Loan Terms:
Maximum Loan Amount: Not Specified
Loan Term: Not Specified
Maximum Finance Rate and Fees: No Limit
Finance Charge for 14-day $100 loan: No Limit
APR for 14-day $100 loan: No Limit
Debt Limits:
Maximum Number of Outstanding Loans at One Time: No Limit
Rollovers Permitted: Not Specified
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: $15 NSF fee if check returned due to no account open at bank, insufficient funds or insufficient credit. Check presentment limit: two times.
Criminal Action: Prohibited (per Wisconsin worthless check law, a check given to secure a loan isn't "worthless")
Where to Complain, Get Information:
Regulator: Wisconsin Department of Financial Institutions
Address: Wisconsin Consumer Act Section, P.O. Box 8041 Madison WI 53708
Phone: (608) 261-9555
Fax: (608) 261-7200
Regulatory Contact: Paul Egide,, Consumer Act Director
Regulator Website
Licensee Database
Complaint Instructions
Complaint Form Link
Online Resources:
Brochure: Payday Loans
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Tue May 13, 2008 7:07 am
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here is the list of amounts (principal)
EZpayday=150.00
Cashcentral=400.00
Payday yes=500.00
Unitedcash loans=250.00
Discount advances=380.00
Paycheck Today=195.00
Fastwire=400.00
Cashnet=250.00
Oneclick Cash=130.00
Payday One=300.00
I am intending to do something about this within the week, i can't do this anymore, i am defaulting on all of my other payments. I want to start making phone calls to these people before friday(payday)to work out repayment. It has to stop. OH, I live in Wisconsin
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mardischmid
Joined: 12 May 2008
Posts: 25
Debtcc Points: 320
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Posted: Tue May 13, 2008 7:13 am
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okay,now how much paid to each one?give a total for each one if you can recall.
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 1741
Debtcc Points: 7390
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Posted: Tue May 13, 2008 7:33 am
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EZ Payday=62.00
CashCentral=400.00 (500/payoff this friday)
Payday yes=110.00(?)
United Cash Loans=250.00
Discount Advances=200.00
Paycheck Today=150.00
Fastwire=400.00
Cashnet=150.00
Oneclick Cash=200.00
Payday One=?
the only one i am sure about is Cashcentral, the rest are all guesstimates. I have had to re-use them so many times i really can't keep track anymore.
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mardischmid
Joined: 12 May 2008
Posts: 25
Debtcc Points: 320
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