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drowing · Posted: Thu Jan 31, 2008 10:17 pm Subject: PDL Help

I have 5 payday loans from 5 companies online and I am drowning in the fees any advice?? I am in FLorida

drowing · Posted: Thu Jan 31, 2008 10:18 pm Subject: PDL Help

drowning I mean LOL I can't spell

Posted: Thu Jan 31, 2008 10:32 pm Subject:

if you could please list the companies that you have the loans with and how much you borrowed and how much you have paid back so far we will be able to help you better. For now just hang in there, things will get better.

Posted: Fri Feb 01, 2008 1:35 am Subject:

you have found the right place for help lots of very nice helpful people here good luck to you!

Posted: Fri Feb 01, 2008 1:54 am Subject:

Drowing, I'm waiting for a response from the Florida Attorney General on my PDL's. If I get some decent information that might help you as well, I'll pass it on.

Posted: Fri Feb 01, 2008 6:06 am Subject:

please list the info asked for so we can begin to help you .

Florida State Information

Legal Status: Legal

Citation:
Fl. Stat. Ann. § 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
Regulatory Contact: ,
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link

Online Resources:
Deferred Presentment Providers Information Page

Drowing · Posted: Fri Feb 01, 2008 6:35 am Subject: PDL Help

AIP 200 I have been paying 89.00 since Dec of 06
Geneva Roth 300 I have been paying 90.00 Since Dec 07
Think Cash 500.00 88.40 since Dec 07
Impact Cash 250.00 Paying 75.00 since Dec 07
Green Light Funding 150.00 Paying 45.00 since Dec 07

Nothing is in default and I have never missed a payment

Posted: Fri Feb 01, 2008 6:36 am Subject:

Can you just add up what you have paid in total to each, I will help you as will everyone else, but we do need the totals.

Posted: Fri Feb 01, 2008 6:44 am Subject:

AIP since Dec 06?? or do you mean 07? Either way, but just wondering. On a couple of these, just looking at the date in which you started paying, you have paid the principal already. Come on back with how much you have paid.

drowing · Posted: Fri Feb 01, 2008 8:58 am Subject: pdl help

No I mean DEC 06 on AIP 2006
I have paid greenlight 45.00
Impact 225.00
Geneva Roth 270.00
Think Cash 353.60
and AIP I have paid Over 2000.00 to WOW

Posted: Fri Feb 01, 2008 10:26 am Subject: PDL Help

I just called AIP and they played the transfer game with me....Then I threw in the BBB thing I read some other people talking about. They took a handwritten message and still have not heard back from them. Can you believe I have paid them over 2000.00 for a 200.00 loan....Lord help me

Posted: Fri Feb 01, 2008 10:31 am Subject:

Hi...thanks for registering. Are you in a position to be able to close your account so they will stop debiting.

Read this thread for more info:
http://www.debtconsolidationcare.com/paydayloan/close-account.html

Posted: Fri Feb 01, 2008 10:32 am Subject: PDL Help

None of the companies I have loans with look like they are licensed in the state of Florida am I wrong??

Posted: Fri Feb 01, 2008 10:37 am Subject: PDL Help

No not really. We have AWFUL credit and are in a chapter 13 BK so we don't have good chances of getting a new account. I am currently on the phone with Geneva Roth....trying to see what I can do with them