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 Posted: Mon Mar 10, 2008 3:07 pm
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closed bank account at pnc bank today. have another account at same bank. live near pittsburgh,pa. have 5 pdls. not sure what to do now that my account has been closed.all loans are through the internet. little loan shoppe owe 200 have paid 240. cashnet usa loan for 600 have paid 270.paycheck today.com loan for 250 have paid 375. payday-loan-yes owe 260 have paid 240. and route 66 funding owe 60 dollars the have been hitting me for 35 dollars for months now. all of this has been driving me crazy. i haven't had the money to pay my car. insurance. and other bills. what should i do next?? this friday when these companies try to hit my account and realize it is closed what happens?? can i go to jail for closeing my checking account?? i am a total moron when paying bills. have neglected numerous items. like local school taxes and credit cards. any suggestions as to how to proceed. make decent money just makeing poor decisions is killing me.
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bugsas71
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Debtcc Points: 100
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Posted: Tue Mar 11, 2008 11:22 am
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First thing you need to do seeing as you opened an account at the same bank make sure they won't be able to access the new account. Accounts at the same bank can be very touchy when it comes to pdls.
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pybasj
Joined: 08 Aug 2007
Posts: 826
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Posted: Tue Mar 11, 2008 12:19 pm
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bug, you said you live "near" Pittsburg. Are you a resident of PA??
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cannr
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Posts: 9335
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Posted: Tue Mar 11, 2008 12:29 pm
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Good Ole Pittsburgh--my hometown---was raised there 17 years--got married there--now divorced and my teenager was born there----GO STEELERS!!!
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Tue Mar 11, 2008 12:54 pm
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yes i live in butler county pennsylvania
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bugsas99
Joined: 05 Mar 2008
Posts: 11
Debtcc Points: 222
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Posted: Tue Mar 11, 2008 1:07 pm
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Thats where I am from Valencia,PA----nice to meet you and good luck....
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lovedalehpbear
Joined: 28 Feb 2008
Posts: 227
Debtcc Points: 2733
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Posted: Tue Mar 11, 2008 4:25 pm
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Okay, bugs. You reside in PA. I'm going to post the PA state pdl law for you. Let me point out; however, that in PA, if the pdl is licensed SOMEWHERE, PA will "allow" the pdl loan. If they are not licensed SOMEWHERE, they will not be considered a legal debt. So, let me post your state law, just so you can see it, but keep in mind, if some of your pdls are licensed SOMEWHERE, you will have to consider them legal loans and abide by the state law in which they are in. Okay? So let me post this and then we need to check and see which of your pdls are legal and which are not.
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cannr
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Posted: Tue Mar 11, 2008 4:26 pm
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| Quote: | Pennsylvania State Information
Legal Status: Prohibited
Citation:
Check cashers are specifically prohibited from making payday loans under Check Cashing Licensing Act of 1998, § 505(a). Otherwise, consumer discount company act applies. 7 Pa. Cons. Stat. Ann. § 6201 et seq.
Small Loan Rate Cap
$9.50 per $100 per year discount or 24% per year
Where to Complain, Get Information:
Regulator: Pennsylvania Department of Banking
Address: Market Square Plaza, 17 N. Second Street Harrisburg PA 17101
Phone: (717) 214-8343
Fax: (717) 787-8773
Regulatory Contact: Jim Keiser Administrator of Non-Depository Institutions |
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cannr
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Posted: Tue Mar 11, 2008 4:29 pm
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Okay. I'm showing you have:
Little Loan Shoppee
CashNetUSA
Paycheck Today
Pay Day Loan Yes
Route 66
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cannr
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Posted: Tue Mar 11, 2008 4:31 pm
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Little Loan Shoppe
90 W 500 S # 2001
Bountiful, UT 84010
LICENSED IN UTAH.
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cannr
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Posted: Tue Mar 11, 2008 4:36 pm
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so little loan shoppe is legal cause has address in states. i was thinking they were from canada for some reason. by the way nice picture of your wiener dog. how old is he?? i have an 8yr old male.
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bugsas99
Joined: 05 Mar 2008
Posts: 11
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Posted: Tue Mar 11, 2008 4:38 pm
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CashNetUSA will be licensed.
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cannr
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Posted: Tue Mar 11, 2008 4:40 pm
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I have two dachshunds!  They are both 7. Welcome to another doxie lover!
And, just because a pdl has an address in the states does NOT mean they are licensed/legal. Little Loan Shoppe just so happens to be one that is licensed. CashNetUSA is licensed in a lot of states. I'm checking the others because I believe a couple of them won't be licensed to lend.
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cannr
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Posted: Tue Mar 11, 2008 4:42 pm
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Paycheck Today
515 G SE
Miami, OK 74355
NOT LICENSED
They are a d/b/a of MTE Financial, who is not licensed/legal to lend in any state in the US.
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cannr
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Posted: Tue Mar 11, 2008 4:47 pm
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Global Payday Loan, LLC
Payday-Loan-Yes
PO Box 572037
Murray, UT 84157
Payday-Loan-Yes
328 Margarette Gdn
Des Moines, IA 50307
Not finding a license for these guys.
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cannr
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