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 Posted: Wed Aug 22, 2007 9:06 am Subject: Is there help in Florida for pdls
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HELP!! I am in real trouble with PDL's in Florida. I closed my bank account, and now I am being called at work, home, cell, etc.
How can I work out a repayment plan with these hoodlums?
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jazznjoker8
Joined: 22 Aug 2007
Posts: 44
Debtcc Points: 1288
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AnthonyLemons
Debt Samaritan
Joined: 17 Feb 2007
Posts: 1825
Debtcc Points: 18434
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Posted: Wed Aug 22, 2007 12:32 pm Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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Please tell us who they are how much you borrowed from each one and how much you have paid each one. I am also in Florida and have been helping others here along with myself regarding these companies. If they are IPDLs do not speak to them. Tell them they are to communicate by USPS only. Some will some won't. Those that harrass the worst are generally the most illegal of the group. Storefronts like Amscot are generally professional and are governed by strict laws in Florida. They will work with you.
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frogpatch
Moderator
Joined: 09 Apr 2007
Posts: 3722
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Posted: Wed Aug 22, 2007 3:32 pm Subject: ipdls
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I live in Florida
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jazznjoker8
Joined: 22 Aug 2007
Posts: 44
Debtcc Points: 1288
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Posted: Wed Aug 22, 2007 3:35 pm Subject: ipdls
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Sorry, I'm new to this website and having a little difficulty navigating. Please excuse my blunders.
All my pdls were online. I'm ashamed to admit that I have 11.
paydayok, loan shop, arrowhead investment, quickest cash advance, payday select, united cash loans, payday loan yes, cash direct express. All have varying amounts, but the oldest are paydayok and payday select. I have been paying them for months.
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jazznjoker8
Joined: 22 Aug 2007
Posts: 44
Debtcc Points: 1288
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Posted: Wed Aug 22, 2007 6:47 pm Subject: jazz
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jazz, can you post the pdl name, the amount borrowed (principle only) and the amount you have paid so far. We can better help you knowing this information. Frogpatch is in Florida and knows his stuff. I'll post Florida pdl law for you just to take a look at. They are all internet, correct? Don't be embarrassed or ashamed about having like 11 of them. Hell, I had 12 when I first came here. It doesn't shock us in the least. No problem. If you can post the information I asked for, we can go from there. And here's the Florida law just so you can see:
| Quote: | 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
http://www.flofr.com/ |
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
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Posted: Thu Aug 23, 2007 5:41 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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Please list the amounts of each that you borrowed and the exact amount you have paid. Payday select and Payday OK probably owe you a refund under they laws here. The FLDFS is using the Florida Consumer Finance Act S. 516 as a possible law applying to these companies in addition to and possibly superseding the laws posted above. This is new info obtained from the FLDFS. I receved a refund from Payday Select myself. It was not asy but it can be done. Remember, pay no attention to their threats. None of the companies are licensed to lend here and are virtually powerless to do anything to you but harrass. I have heard that Florida has a suit against United Cash Loans. Arrowhead can be real annoying! You are in pretty good shape here from what I have seen so far.
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frogpatch
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Joined: 09 Apr 2007
Posts: 3722
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Posted: Thu Aug 23, 2007 5:42 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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Please do not be ashamed of anything. No one is judgmental here. We have all been there including myself.
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frogpatch
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Posts: 3722
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Posted: Thu Aug 23, 2007 6:17 am Subject:
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Frogpatch when did you hear about that? They told me yesterday CH 560.
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pybasj
Joined: 08 Aug 2007
Posts: 826
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Posted: Thu Aug 23, 2007 7:00 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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Another member, Bublefan, from Florida got that from Sandra Smith of the FLDFS. I will PM it to you.
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frogpatch
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Posts: 3722
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AnthonyLemons
Debt Samaritan
Joined: 17 Feb 2007
Posts: 1825
Debtcc Points: 18434
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Posted: Thu Aug 23, 2007 11:32 am Subject: jazz
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jazz, okay. You've listed your pdl's. Can you list the amount borrowed and the amount paid back so far? Also, you did state that you have already closed your bank account, correct?
paydayok - believe frog has experience with
loan shop - illegal
arrowhead investment - illegal
quickest cash advance - illegal
payday select - believe frog has experience with
united cash loans - illegal
payday loan yes - illegal (?)
cash direct express - illegal
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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AnthonyLemons
Debt Samaritan
Joined: 17 Feb 2007
Posts: 1825
Debtcc Points: 18434
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Posted: Thu Aug 23, 2007 1:56 pm Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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Payday select is relatively easy to deal with. They are also not licensed in Florida. I think Payday OK is the same company but I am not sure.
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frogpatch
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Joined: 09 Apr 2007
Posts: 3722
Debtcc Points: 30943
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Posted: Thu Aug 23, 2007 2:29 pm Subject:
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Hopefully you are feeling better now after reading the posts that cannr, anthony and frog sent you. Do not be embarrassed we have all been there and thank god we found this place. I know for myself it saved my sanity.
I have learned alot in the process
ladybug
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ladybug
Joined: 29 May 2007
Posts: 2759
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Posted: Thu Aug 23, 2007 2:47 pm Subject:
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Hey Jazznjoker8 !
I am in Florida too and have dealt with United, Payday Select among others. I faxed a letter to them, if you want a copy, PM me and I will send it to you. Payday Select was EASY! They emailed me saying that they are sorry that I am unhappy with their services and to consider my loan paid in full. I hadn't even paid off the loan amount it self. Impact cash wants to work out terms on the balance of the loan. They took off all the fee's that I had paid so far. 500fastcash is alittle bit meaner, but you know what I can be just as mean. Thanks to all the kind people here on this site I have the courage to stand up to these fools. I have also benn dealing with Sandra Smith. She will help you alot. She told me that they have a case worker that has two pending cases against United Cash Loans. If you want to contact her I will also give you her number. If anyone else here in Florida would like to speak with her, let me know and I will get you her number. I will be gone till about 7pm but will be back on then. Let me know.
Nutsie1
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nutsie1
Joined: 22 Aug 2007
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Debtcc Points: 1952
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