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 Posted: Tue Apr 08, 2008 6:33 am
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Hello - Looking for some help
I have the following payday loans and need help on how to go about paying them off 1) paydaymax $1,186.20 2)Eastside Lenders $780 3)CashnetUsa $1,476.52 4) ZipCash 650.00 5) TJohnstonLoanPoint $520 6) United Cash $520 7) One Click Cash $520  Little Loan Shoppe $390 9) Impact Cash $390 10) Cash Today LTd $300 11) Cash Advance Network $520
I live in Florida - Do any of these companies work with you on paying them off - Need some advice? Thanks in advance for any help anyone could provide
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kmorris
Joined: 18 Feb 2008
Posts: 5
Debtcc Points: 151
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Posted: Tue Apr 08, 2008 6:35 am
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I wil post Florida laws for you. we can help you here.
Please list the original amounts you borrowed from each, the amounts already paid back, and if they are store fronts or internet.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Tue Apr 08, 2008 6:36 am
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Florida State Information
Legal Status: Legal
Citation:
Fl. Stat. Ann. ยง 560.401 et seq.; Rule 69V-560.901-912
Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes
Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
Regulatory Contact: ,
Regulator Website
Licensee Database
Complaint Instructions
Complaint Form Link
Online Resources:
Deferred Presentment Providers Information Page
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Tue Apr 08, 2008 6:57 am
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Thank you for the quick response but what exactly does it all mean - Should I contact each one and advise that I cannot pay the minimum and advise what I can afford to pay? I am waiting on my job to confirm today that my direct deposit has changed to going into my new checking account and then will close old account - I went to my bank and explained to them that I was working with companies to pay off and that I had some fradualent activity on my account numerous times - They suggested opening new one and closing that one and I went over with them that my paycheck went into that account by direct deposit and I repeatedly said, "ok no account activity as far as a company taking money out of my account with the way we are doing it but will allow my direct deposiit until I get account changed over and she repeatedly agreed" - At least she made me think she understood - So next paycheck comes and these companies were allowed to take the money out - Now I am not only behind with them but I now owe the bank approx $600 in overdraft and NSF fees for which I do not have the money - Now I am having to go to my family for a loan so I can I least pay for the essetials - Any advise or help would be greattly appreciated
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kmorris
Joined: 18 Feb 2008
Posts: 5
Debtcc Points: 151
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Posted: Tue Apr 08, 2008 7:00 am
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Please answer the questions that I asked regarding the original loan amounts ant the amounts paid back already. Do not contact anyone at this point.If these pdls get a hint that you are having a problem they will go in amd clean out your bank account. You will have to close out your account and open a new one. Before any of that, we need answers to the questions.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Tue Apr 08, 2008 7:08 am
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I apologize - Forgot to answer that part - These are the original amounts - That is the problem I have not been able to pay anything except for the minimum
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kmorris
Joined: 18 Feb 2008
Posts: 5
Debtcc Points: 151
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Posted: Tue Apr 08, 2008 7:13 am
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Pay day max, you borrowed 1186.20 ?? . That does not seem correct. Please clarify
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Tue Apr 08, 2008 7:17 am
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Borrowed $1000 and Fees & Finance are 186.20 so I have made one payment of 186.20
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kmorris
Joined: 18 Feb 2008
Posts: 5
Debtcc Points: 151
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Posted: Tue Apr 08, 2008 7:18 am
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so you paid nothing?if you paid anything please list the total amount.oh i see the one,what about the others.please list the amounts paid to each.
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 1992
Debtcc Points: 8027
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Posted: Tue Apr 08, 2008 7:20 am
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If you are asking if I paid anything other than the 186.20 the answer is no
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kmorris
Joined: 18 Feb 2008
Posts: 5
Debtcc Points: 151
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