Internet's first get-out-of-debt community - 199,000 members

cincavccc · 05-12-2008, 08:31 AM

Will payday loans sue me or have me arrested for stopping payment on a PDL? I have 2 PDLs that I have paid on for 4 weeks. Of course this just pays the rollover fees not the principle. I live in NJ and found that PDL's are illegal and all other loans have a 30%cap. I can't sleep or eat afraid I will be arrested or something. What should I do? I faxed them letters and sent them emails stating the money I paid should apply to the principle and then they would be paid in full except for the 30% interest allowed by NJ law.

Shazzers · 05-12-2008, 08:34 AM

I'm so sorry you're going through this, you can't be arrested for owing a debt, so please don't worry about it.

05-12-2008, 08:39 AM

They will threaten you with arrest but the truth is they can't even legally collect on a loan that was made illegally!

mobile0311 · 05-12-2008, 04:38 PM

They are the ones who broke the law for issuing a pdl in your state. The internet PDL you got is illegal and besides the are mostly overseas and can`t do anything to you anyways. This is America , we DO NOT have debtors prisons here. Beside who are they going to get to have you arrested ? INTERPOL ? lol , please don`t let the bone heads bother you . You don`t have to pay them squat and they will have to get over it.

12-28-2008, 12:22 PM

I did not get payday loan. Someone is calling me wanting money or press criminal charges. I live in Virginia. They will not tell me when the loan was made and from what company.

Can they do anything to me and is there a possiblity of someone getting loans in my name?

SOAPLADY · 12-28-2008, 12:34 PM

No beth, they cannot press criminal charges against you. Who is calling you?? Caller ID?

bethpardue · 12-28-2008, 12:57 PM

I will have to get the name from my husband. They have foreign accents

paulmergel · 12-28-2008, 01:44 PM

if you have ever had a pdl however old.these mopes buy info from pdl's and other such sources and try to threaten a cheap dollar out of you.i wouldn't speak to them further.they are a SCAM.do not talk to them they will move on.

12-28-2008, 02:43 PM

Thank you for the info. This information should be shared. These guys sound very intimidating on the phone.

paulmergel · 12-28-2008, 04:22 PM

of course.they are trained to be that way.just know they are a scam and ignore them.if you get stuck talking to them let them know you know they are a scam and you are reporting them.hang up immediately.

12-29-2008, 08:45 AM

i had a payday loan and did not pay it i was very sick so i missed alot of work .i just went back . and a company name h&p captail called me told me that if i don't pay they were going to come to my place of work . they were very ugly the lady 's name was ms blackwell she told me that i am going to have to get a lawer .if they come to my job they will fire me .i wrok at a persion . she calls me everyday at work and tells me the smae thing over and over

marcantell · 12-29-2008, 09:11 AM

this lady ms blackwell calles me everyday at work and on my cell phone tells me if i do not pay by 4 today they were going to come to my place of wrk . if they come to my work i can get in trouble are fired i been sick and stress out about this .she even told me i better get a lawer. can they put me in jail

marcantell · 12-29-2008, 09:17 AM

did anyone ever hear of h&p capital . thats who keeps calling me .stressing me out i am scared everyday when i go to work . i work at a perison i don't want to live there .help

beli2005 · 12-29-2008, 09:21 AM

I never heard of them, but can you file a police report for harrassment? I've done all sorts of searches, and can't find an address for them, so more than likely they are overseas, and can't do squat, hence the threats. If you do a google search on the number you have, you'll find lots of hits, and same thing has been happening to alot of other people.

Have you told them not to contact you again? And no, you cannot be arrested.

beli2005 · 12-29-2008, 09:23 AM

I never heard of them, but can you file a police report for harrassment? I've done all sorts of searches, and can't find an address for them, so more than likely they are overseas, and can't do squat, hence the threats. If you do a google search on the number you have, you'll find lots of hits, and same thing has been happening to alot of other people.

Have you told them not to contact you again? And no, you cannot be arrested.

12-30-2008, 04:20 PM

I received another message from the same person. This time he did not identify any company. He said he was Stewart Jackson. He said he filed a PS5. I checked there is no such thing. He said, "Call me back right now!" He then said, "I wish you very good luck. Just wanted to pass on this information. He left number. I checked it and it appeared to be from Miami