I need some assistance

Hi everyone! My name is Erica. I need some assitance with the following payday loan companies.

Internet: (borrowed amount...i have no clue on what they say i owe now)
Cash Banc 200.00
United Cash Loans 150.00
Greenlight Funds 150.00
Discount Adavance 130.00
Cash Net Usa 300.00

Storefront:
Title Cash 352
Alabama Title Loans 177
Advance America 177

Im a full time student with a weekend only job. What are the steps that I have to take in order to get these taken care of? The internet lenders are VERY VERY RUDE. David from Cash Banc had me in tears. Im so lost? If I pay these people I want have money for food or anything else for that matter. What do I do. I emailed each internet company this letter:

After doing research regarding Internet payday loan laws in the State of Alabama, I have found that your Internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the State of Alabama in general:


I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with the Army Aviation Center Federal Credit Union to protect my interest in this matter, per instructions from The Alabama Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment. My home
telephone number may be called only concerning closing this account ________. I also prohibit you from calling my references listed on my loan.

Due to the fact that Internet payday loans must be licensed in the state of Alabama to be a legal and binding contract, your company should NOT issue loans to Alabama residents at all. I am requesting that you send me your license number which enables you to offer loans to Alabama residents.

The legal amount that could have been charged to my loan is the principal amount, even IF your Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this is only if you provide me with a physical address where I can send payments.

I must also inform you that I have filedcomplaints with the Better Business Bureau, the Federal Trade Commission, and the Alabama Attorney General's Office.

I expect a response from your company no later than closing today regarding this matter. Telephone contact is permitted. I advise you to not attempt to contact my place of employment or references.

Sincerely,

Erica Personal info removed for your safety - Jason
CC:
Better Business Bureau
Alabama Attorney General
Federal Trade Commission



They will not respond and continue to ask for payments. HELP ME!!!!

please help me. i really need help. these things are taken me under to where i cant sleep at night i stay up worrying all the time. im so scared at work because they might call my job and we cant take personal calls at ALL

Don't worry about what they say you owe on the internet loans, but how mych have you repaid on each?

High! I was jsut contacted by a representative about getting help on my credit card debt, operating out of Pratteville Alabama. Monies had already been extracted from my bank account, on a different day than was stated in my agreement with the senior consultant, who went through another law firm operating out of Alabama. When this wrong time transaction took place, I checked out the address of allegro law llc of 2005 cobbs ford road ,to which, I ended up smack dab in the middle of a roa showing cars and the "x" where the building is supposed to be located. When I tried caontacting the #800 , and other phone #'s, I get told there is a problem with these #'s being not found. Can I get some real advise here that I can cash in on that will help me retrieve my falsly extracted monies ? I appreciate anything legible I can work with. Thank you!
Emmett

Hi Shygirl. If internet loans are illegal in Alabama then all you are responsible for is paying back the money you orginally borrowed..no interest. There is a sticky note in this forum about how to deal with illegal lenders. Please read it over carefully as there is some great imformation there.

For your legal lenders, as for a payment plan. Advance America will offer you a payment plan, I am not sure about the others.

The first thing you need to do is close your bank account because if you tell the PDLs you are unable to make your payments, they will still try to take money out of your account, so get your money secure first with a new checking accountm then try to work things out with the PDLs.

To help out at work you can tell your boss that your identity was stolen and that person took out some loans in your name and to just inform them that you do not work there anymore. It kind of saves you the embarrassment of your work finding out and may help you if you can not recieve personal calls.

I am sure others will be along with more help for you. But please know that others have been in the same situation and have come through it. You can take control and fight back.