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 Posted: Wed Apr 09, 2008 7:42 am Subject: Reply from Impact Cash
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I sent the letter to impact cash today after I closed my acct and this is what they replied, Is this true?
Our company is licensed out of the State of Nevada and as an internet payday loan company we are required to follow all of the laws in the state we are licensed out of, which we do. The law that you are referring to are for company's that have brick and mortar locations in the state of Wisconsin, which we do not.
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sburns
Joined: 07 Apr 2008
Posts: 15
Debtcc Points: 416
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Posted: Wed Apr 09, 2008 7:44 am Subject:
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They will always tell you that .It is 100% wrong. Your state laws are the ones that prevail. They are just blowing smoke.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Wed Apr 09, 2008 7:49 am Subject:
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Is there something I can email them to shut them up or just tell them to mark paid in full?
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sburns
Joined: 07 Apr 2008
Posts: 15
Debtcc Points: 416
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Posted: Wed Apr 09, 2008 8:03 am Subject: Pachacutec
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I get the same thing and PDL's are prohibited in Maryland. The PDL's say that Maryland laws don't apply to them, as they do business over the internet!! Personally speaking, I always thought if any business operates in a given area, that they are subject to the laws of that area as well as their "home turf." And I always thought if a business was illegal, that even if you'd signed a contract w/ that business, if it was illegal it was not enforceable. But I could be mistaken. Oh well, as we've all seen, the PDL's make their own rules anyhow.
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wheadle
Joined: 27 Mar 2008
Posts: 17
Debtcc Points: 432
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Posted: Wed Apr 09, 2008 5:03 pm Subject:
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And....those rules change from day to day and person to person! If you hit it just right, you might just get a PIF so just keep at em!
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13709
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Posted: Thu Apr 10, 2008 5:00 am Subject:
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Sburns, I received the same reply from them about the whole brick and mortar thing. I pm'd you my reply to them reagrding that issue. Do keep at them though. I did and finally got a pif. I started in August fighting them and got my PIF in December. It can be done. 
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11406
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Posted: Thu Apr 10, 2008 5:43 am Subject:
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New to this whole thing, Where you I find the PM?
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Debtcc Points: 100
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Posted: Thu Apr 10, 2008 6:42 am Subject:
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 On the right side of the page near the top...there are some flags with a phone number under them...under the phone number it says: You have 1 new message. Click on that and then click on the message.....You have to be logged in under your screen name....so it may say...log in to check your private messages under the red phone number.
_________________
In life it doesn't matter
how hard you hit, it matters
how hard you get hit
and keep moving forward.
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RoxyNY
Moderator
Joined: 03 Aug 2007
Posts: 4093
Debtcc Points: 11406
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Posted: Thu Apr 10, 2008 6:55 am Subject:
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I have a payday loan with impact cash and I called the collections dept. and they were very helpful. They allowed me to break my payments up into 2 payments and stopped the interest. I am in the state of PA. You may want to call and see if you can get an understanding representative.
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