I received a loan from betterthanpayday.com
They state in their loan agreement it is a short term loan.
I applied with them weeks ago and never heard back so I assumed I wasn't approved. Than late last Thursday I received a text saying my loan was approved and it would deposited to my account the following day. I figured it was just a spam text as since I applied on a few sites I receive random texts for loan matching sites. Anyway the next day money was indeed deposited to my account. I was no longer in need of money and didn't want it. Than I checked my spam folder in my email account and there was a loan approval from [email]firstname.lastname@example.org[/email]. I googled the email address and was brought to betterthanpayday.com which I than knew who it was as I applied weeks ago.
Bottom line is I didn't want the loan anymore after realizing they were so expensive and illegal in my state, NY. My main question is are they legal in NY as I see they have actual store locations in 3 different states. Also how do I handle this as I never spoke to anyone from their company or sent in any of the documents they require.
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