Internet's first get-out-of-debt community - 136,000 members

I also live in Florida and have multiple PDL's-
cashnetusa owe $583
fastmoney911 owe $520
impactcash owe $300
payco. owe $200
checkngo owe $500
also an installment loan with thinkcash owe $400+

I paid prldirect.com and cash direct. I had 2 ach debitted by smith haynes watt for $145. I think this was initiated by cashnetusa because that is the amt of my payments to them. didn't even know who smith haynes watt until googled them. please respond on how i should proceed next. Thanks-help me I'm desperate!

Posted: Tue May 20, 2008 2:41 pm Subject:

Hi and welcome to the site!

First please list how much you originally borrowed from each company and how much you paid them so far (include interest).
If you havent done so already please close your account and open a new one AND DO NOT GIVE IT TO ANY OF THESE PEOPLE.
After you list this info someone will be along to help you.

Posted: Tue May 20, 2008 3:04 pm Subject:

Hi there and welcome !! Also make sure you read the link below BEFORE closing your account. Smile

http://www.debtconsolidationcare.com/paydayloan/close-account.html

Posted: Tue May 20, 2008 3:06 pm Subject:

Here are your laws regarding payday loans:

Posted: Tue May 20, 2008 3:07 pm Subject:

Is checkngo an installment type of loan?

Posted: Tue May 20, 2008 3:08 pm Subject:

Smith Haynes Watts? What did you get when you googled them? I'm only coming up with accountants and such, nothing that connects them with payday loans . . .

Posted: Tue May 20, 2008 3:09 pm Subject:

What do you mean Goudah? Confused

Posted: Tue May 20, 2008 3:09 pm Subject:

Oh never mind, I see it now. Confused

Posted: Tue May 20, 2008 3:11 pm Subject:

Oh, wait - It's Smith Haynes & Watson . . . They are a collection agency.

Posted: Tue May 20, 2008 3:12 pm Subject:

They are not related to Cash Net USA, although they may be collecting for them. But they are not the same company.

They do collections for pdl's and other creditors.

Posted: Tue May 20, 2008 3:15 pm Subject: Smith Haynes Watson

Are you referring to Smith Haynes & Watson? The collection agents for Geneva Roth? They collect for payday loans.

Posted: Tue May 20, 2008 3:19 pm Subject:

Yeah, I see that - I was originally searching for Smith Haynes Watt - Not Smith Haynes Watson, so nothing was coming up for me at the start.

steelerfan59 · Posted: Thu Jul 10, 2008 9:48 am Subject: smith haynes watts

Does anyone know how to contact these people?? I only applied for a pdl and never received it because I chose not to but these people are debitting my account as if I received a pdl.....I need to have them to stop but can't seem to locate any info on them

Posted: Thu Jul 10, 2008 10:02 am Subject:

Naidakent,
Have you contaced Cashnet USA and asked if your account was sold to a collection agency. I would make sure those debits for $145 was debited and applied for Cashnet USA. Geneva Roth has a nasty habbit of getting into folks account and taking money for no reason Confused

Posted: Thu Jul 10, 2008 10:19 am Subject:

The laws posted above pertain to the storefronts located in Florida and not to internet lenders. They fall under the Florida Consumer Financial Act which makes them totlaly illegal in Florida unless licensed. Cash Net is licensed here the others are not. These loans are not legally collectable. I have retained an attorney here in Florida whose has successfully sued two collection agencies for fdcpa violations and made all the others drop off the planet. He charges nothing out of pocket, only if he wins a suit. If you would like his info please PM me.

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