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Old 09-15-2009, 01:45 PM
dm114 dm114 is offline
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Default Payday loan
I have loan with Integrity Advance for $400 in which
I have already paid $480 in fees. I just receive a
response from the BBB from them informing me that
my interpretation of the law is invalid. That I should
read my loans documents, that Delaware law governs the loan and the laws in the state of NJ
do not regulate the loan. Please can someone tell
me if this is true? I was under the impression that
payday loans are illegal in NJ so how can Delaware
law govern NJ law? Help
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  #2  
Old 09-15-2009, 07:43 PM
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bakerjon bakerjon is offline
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New Jersey law states
Quote:
Lending of payday loan is considered prohibited in the State of New Jersey.

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  #3  
Old 09-15-2009, 09:41 PM
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Shazzers Shazzers is online now
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Quote:
Originally Posted by dm114 View Post
I have loan with Integrity Advance for $400 in which
I have already paid $480 in fees. I just receive a
response from the BBB from them informing me that
my interpretation of the law is invalid. That I should
read my loans documents, that Delaware law governs the loan and the laws in the state of NJ
do not regulate the loan. Please can someone tell
me if this is true? I was under the impression that
payday loans are illegal in NJ so how can Delaware
law govern NJ law? Help
It's all BS. Just respond with;
Please note I am not a resident of Delaware, have never prescribed to be a resident Delaware and have no Delaware presence, as such am not subject to the Delaware laws you detail. I am however a resident of N.J. and MY state law prevails.
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