BUT - The majority of the ipdl's aren't licensed anywhere - So this becomes a moot point. They must still be licensed somewhere for them to be legal . . . . .

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Tukk - I'm looking at one of your older posts, and out of the companies you are dealing with I can tell you that Cash Net USA is loaning under it's Nevada license, First Bank of Deleware is a bank, so they don't need a license, Urgent Cash Advance does have a license, I'm just not sure yet under which one they are operating in PA under, and Advance America - which is currently being sued in PA for disguising it's loans as "lines of credit", is blatantly trying to get around the laws. But - Once you default on your Advance America loan, you will stop paying the "partipation fee" each month. So you will be able to set up payment arrangements after that.

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That is true, goudah, although some of these predators are licensed, sadly. Nevada and Utah seem to be popular states for them to reside.

I'm still in the midst of my PDL fight, so hopefully I will keep learning as I read these threads. And to cynthiaw4, keep your head up, there are others (like myself) fighting this fight right now.

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Yeah, and Deleware - Those states that have the laxest laws. :twisted:

But keep fighting, file those complaints, and keep your head up. You can win.

Those companies that aren't licensed are only due principle. Don't pay them a penny more. And deal with the licensed companies first - they are the ones that could actually do something to collect. Those unlicensed, illegal companies can wait, if they are due anything at all.

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goudah,

thanks for the information. I actually have already started a repayment plan with Advance America, they were very courteous and understanding and we were able to come up with something I can live with.

The iPDL companies are the ones that worry me, as I am still waiting for the phone call bombardment to start (I just defaulted on my loans on Friday). I tried to get arrangements made beforehand but nobody wanted to work with me.

From what I hear also, that iPDL I have with Big Ltd or whoever they are is actually an overseas operation and completely illegal (from information gathered from other posters).

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B.I.G. Ltd. is one of the most illegal companies out there. They will try to harass you and threaten you into paying them. They will call 20 times a day from what I hear but they do eventually go away. They are crooks. Don't lose any sleep over them at ALL!!!!!

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__________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.

Yeah, i think they are connected with Route 66 . . . . Which is the span of the devil.

1000000000% illegally lending in the US . . . . .

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This post is for cynthia. We got kind of off track here on this thread! She posted her pdl's and here's what I have for her, if no one else has already told her.
One Click Cash is MTE Financial - not licensed
Zip Cash - don't know - someone else may have info.
United Cash Loans is MTE Financial - not licensed
Discount Advances - don't know - someone else may have info.
Cash2Day4U - not licensed/overseas/totally illegal
Ten Dollar Pay Day is MTE Financial - not licensed
PayDay Select - don't know - someone else may have info.
So, if that helps, good! If anyone knows about Zip Cash, Discount Advances, and PayDay Select, please post so cynthia will know.

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Ok I have 8 I forgot paydayok. Now the ones that are not licensed I send the letter to the other ones I just ask for some kind of payment arrangement.
Thanks
Cindy

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Yeah I apologize for the thread hijacking cynthia! I hope that you are feeling a little better about the situation - I know that I did after I found these forums.

And cannr, after reading a lot of your other posts, I have to say that you are awesome. That is all.

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Payday OK and Payday Select are the same companies - They are lending under their Deleware license . . . .

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So because the have a license in DE that are legal. So I would just set up some kind of payment arrangement with them right?
Thanks

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Yeah, once you "defualt" with them the "rollover" fees should stop, and you should be able to set up arrangements to pay off the balance.

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Great! So right now I just wait for them to default. And the ones that are not Licensed I send the Paid in Full Letter? This is great! your the best.

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Yep - Exactly. The ones that aren't licensed if you've paid more then you borrowed you need to demand that they mark your account paid in full.

If you haven't paid the principle back, I would send them money AFTER all the legally licensed companies are paid off. The legal ones are the priority, the other ones can sit and wait.

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Just as a side note to this thread...if you have overpaid Paydya OK and Payday select...send them the letters as well. Even though they are licensed, they still marked me as paid in full, with no probems.

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