Internet Payday Loans in Florida

Hi and Happy New Year everyone!

I have been reading this forum for a while now and think I need to join the many people, looking for help with payday loan problems.

I live in Florida and have 3 Internet based loans I already started to fight, but need some more help with.

1. Eastside Lenders
original loan amount: $600 / already paid: $1,831.25

Send them a letter, claiming their loan was illegal in Florida and demanding to get the overpaid funds returned.
They aknowleged the receipt and keep sending me automated e-mails, stating that they operate under Delaware law, claiming their operation was legal and I still owe them; $250 plus fees....

2. EZPayDayCash
original loan amount: $400 / already paid: $1,070.00

same here, but from Utah

3. PayDayMax.com
original loan amount: $500 / already paid: $504.16

was able to get a physical mailing address in Canada and mailed my letter on 12/31 per registered mail, offering even to pay another $50.84 to fulfill my obligations.
Haven't heard anything yet, but assume I will in a few days.

My bank account has been closed as of 12-26 already and for all 3 lenders I used parts of your sample letters from this site, demanding to stop contacting me, revoking ACH debit, etc.
I am keeping track of all written statements and refuse to take any phone calls.

Guess I am looking for some more advice on how to proceed from here. Any help would be greatly appreciated!

Hi Marion,

I looks like you have most of your bases covered, I am going to post a little additional info that might help you out. You have already taken care of the most important parts, this will just give you a little extra help.

Hi dawnlango7,

thank you much for your quick response!

If I understand you right, my next step would be to file the complaints with the AG's Office, the FTC, and the Florida Office of Financial Regulations.

Do I have to notify the lenders (Eastside Lenders and EZPayDayCash) once I filed the complaints?

I already adviced them that I would file those complaints if they don't mark my accounts as PID and refund my overpaid funds....

Thanks for your help!

No, you can just file. They will hear from the BBB soon after that anyway...

Your very welcome, please let me know if you have any other questions

I took out a few loans from the internet and I got really behind. BIG is a loan company based in London. I owe them 115.00 and I dont have a bank account due to fraud and these pdl's. Can they garnish my wages from there for $115.00? And are they a real company? I have a few more and I am setting up payment plans, but they only want a bank account and I will not get another, and they are from DE. I have requested a copy of the contract they said I signed, but they will not give me one. How can I get a copy? Any and all help will be great.. thank you so much

Thanks again dawnlango7!
Just got home from work and will get busy tomorrow to file all the complaints I can..

Countrybrat, I'm sorry I can't help you very much at this point.
Please create a "new Topic" and repost, so someone who knows more than I, can help you...

Most of these types of debt collectors run their companies out of Canada or other countries because it is very difficult for lawyers and state/govt agencies to go after them, I believe it is called a Hage act? (not sure on spelling). But continue to report them, their whereabouts and just be persistant. Sounds like you have everything in writing and records you paid. Continue to follow up with Cease and Desist letters and what comes after that to close the loop on your end. Problem usually is they will get tired or bored because you have asserted yourself and they will sell your account to the next bottom feeder. Just be ready for another possible round with new people in about 6 months (that has been my experience anyway). Best of luck to you......you have done your homework......GO GET 'EM (SMILE).

Today was my first payday without making any payments to payday lenders in a long time.... Feels pretty good and makes it seem like there is some light at the end of the tunnel..

Provided my employer with copies of the letters I sent those lenders and was assured that I don't have to worry about having money taken out of my paychecks without court orders, or any information given out to anyone about my employment.

Also filed electronic complaints with BBB, FTC and the DA's Office in regards to East Side Lenders. The complaint with the Office of Financial Regulations is also ready and will be mailed later today.
Will do the same with EZPayDayCash and Pay Day Max if I don't hear from them within the next week.

Guess I did my homework... But I was only able to do it with the help of this site - reading through many, many posts, advices and other suggestions!
Thanks again to everyone here who is helping others!

Just a little update:
East Side Lenders and EZPayDayCash have blocked my account access to their webpage......
Pay Day Max lets me log into my account, but has the note:
"Please Contact Custumer Service" right on top....

Whishing a great weekend to everyone here!

Hi Marion N...just wanted to check with you, I am sending Eastside Lenders a letter tomorrow, I have paid them $1700+ for a $600 loan (makes me sick to even say that outloud!!). I am so afraid to start this battle with them...I am too ashamed to go to my HR dept. to tell them about it, and I cannot close my checking account becasue I have a second account open with my sister cause we have a home party business together. I would just die if I closed my account and then they were able to get to that account cause my name is on it.
Anyway....just wanted to check with you about Eastside, so they stopped withdrawls once they got your letter?

Hi kellyschrodi,
I guess I'm sicker than you... I paid them $1831 for a $600 loan and they claim that I still owe them $250....
To answer your question: I did close my account before I send them the C&D letter... They answered my letter with an e-mail, stating that they were legal in DE, bla bla bla.
I then replied to their e-mail with another C&D letter, urging them to provide me with their FL license of either Chapter 560 or Chapter 516 to negotiate, but if they cannot provide me with a valid FL license, to refund all overpaid fund immedeately.
The replied with the very same e-mail they send me the first time. So I went ahead and started filing my complaints....
We'll see what will happen next...

In regards to your concerns about your checking accounts, they can only auto debit an account which they know about!
If you can close the one they are using, you don't have to worry about the other one. (unless they know its acct #)
You also have the option to speak to a manager of your bank and find out what your bank can do to stop them from debiting your account in the future....
Whising you good luck with your case! Maybe we can keep each other updated on how things are going with Eastside?

Alright, I guess I'm kind of "stuck" with East Side Lenders and could use a little more advice on how to proceed next...
Mailed them my initial letter and received the automated e-mail about their Delaware laws as response.

Replied per e-mail requesting to be provided with their FL license # of either Chapter 560 or Chapter 516, included most of my first letter and "threatened again to file complaints.
Received the same e-mail response from them, making the point about the Delaware license, etc.

Filed complaints with the BBB, which was already forwarded to East Side Lenders, filed complaints with the FTC, the DA's Office and the FL Office of Financial Regulation.
Received a "complaint received" e-mail from FTC and havent heard back form the other 2 unstitutions yet.

Yesterday I got an auto-e-mail from Eastside stating that my payment was returned and today I received another one of the auto-e-mails regarding the Delaware laws...
Do they only have one single auto reply e-mail they send??

This ignorance is starting to get to me....
Does anyone have suggestions for me how to handle this further?

Funny thing is: those 3 same standard e-mails were all send from "Teri H."<teri>
and read as follow:

Dear Marion,

East Side Lenders is responding to your correspondence regarding the above-captioned account.

East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised.

East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so.

Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (800) 689-5603.

Sincerely,


I guess you all have seen this e-mail before. Is anyone out there who can tell me what will come after this one?
Or how I should reply to it without calling Teri H. a complete imbecile???
And who is Centrinex?????

Any help or advice is greatly appreciated!
Thanks,
Maion

Customer Service

East Side Lenders

The sender's e-mail was cut short in my post.
it reads: "Teri H." from Teri@centrinex.com
Does anyone know whi Centrinex is?

It is a call center that deals with collections for certain PDLs.

They get a fee for dealing with the customer service issues.

just a bump...

marion, East Side Lenders will hound the crap out of you. They will insist you owe them the money, blah, blah, blah. And as nohiogal posted, Centrinex is East Side Lenders! LOL! As posted, it's a call center for them. Same people, same thing. I got 8 million emails from Centrinex. Lord, they wouldn't leave me alone. The only way I got East Side Lenders off of me was through my state AG. And that took awhile, but they did it.