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 Posted: Thu Sep 06, 2007 1:02 pm Subject: Skurcookies - PDL Help? How far can they go?
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Can someone include me with the PDL details. How far can the go as to getting you to repay and recovery their money? I'm new here and just starting to learn a little about these things. I've been dealing with these people myself.
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skurcookies
Joined: 06 Sep 2007
Posts: 6
Debtcc Points: 192
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Posted: Thu Sep 06, 2007 1:06 pm Subject:
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welcome !! These are great, great people here.... they will help you alot !! hang in there... someone will be along to help
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nutsie1
Joined: 22 Aug 2007
Posts: 92
Debtcc Points: 1952
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Posted: Thu Sep 06, 2007 1:09 pm Subject:
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Skur
Please list who you have loans with, the amounts you have paid each(principle and fees)
Are these internet or store front. Also tell us what state you are in. we will be able to help you
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Thu Sep 06, 2007 1:22 pm Subject: kashzan
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Ok I will let me gather that information. Thanks for your efforts to help I really appreicate it. Now one more question? besides trying to get help uptaining answers to PDL...Can you tell me how I get around this site, just registered today and already I'm having issues on how to post and reply without having to go back and forward to my email for my responses lol.
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skurcookies
Joined: 06 Sep 2007
Posts: 6
Debtcc Points: 192
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Posted: Thu Sep 06, 2007 1:30 pm Subject:
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When you sign in, go to forum, then click on payday loan help, then cklck on the thread that you want. It took me a while too to learn how to navigate around, and I am famous for not remembering to sign in.I always forget. For now, just do the best you can(and it seems that you are doing ok).The most important thing is that you start getting your financial life back in order
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Thu Sep 06, 2007 1:41 pm Subject: Here are just two PDL Co. I can remember.
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TenDollarPaydayLoan.com (internet 200.00)
Lazer Lenders (internet 200.00)
These are the only two I can remember at the moment till I get my documents together. Most of my PDL were made by internet. for as little as $100.00 to 200.00
I live in the state of New Jersey.
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skurcookies
Joined: 06 Sep 2007
Posts: 6
Debtcc Points: 192
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Posted: Thu Sep 06, 2007 1:55 pm Subject:
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How much have you alreadt paid (fees and principle)
I will post NJ laws
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Thu Sep 06, 2007 1:58 pm Subject:
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| Quote: | New Jersey State Information
Legal Status: Prohibited
Citation:
Consumer loan act applies but rates as agreed to by contract. N.J. Stat. Ann. tit. 17,§ 1 et seq. However, criminal law sets the usury cap at 30%. N.J. Stat. Ann. § 2C: 21-19. A check cashing licensee cannot cash or advance money on a postdated check. N.J. Stat. Ann. § 17:15A-47.
Small Loan Rate Cap
30% per year
Where to Complain, Get Information:
Regulator: New Jersey Department of Banking and Insurance
Address: 20 West State St. Trenton NJ 08625
Phone: (609) 292-5360
Fax: (609) 292-5461
Regulatory Contact: Ludi Hughes Assistant Commissioner
Regulator’s Website
http://www.njdobi.org/ |
The good news is that PDLS are not permitted im your state.Chances are that you have already paid what you legally owe.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Thu Sep 06, 2007 2:44 pm Subject: New Jersey State Information
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Just as an example, to see if I'm getting this right on how this works with PDL. Lets say I request a PDL for $200.00 their fee is $60.00. Let say the week when my loan payback is due I dont have the full amount of the money to pay it off, I then chose to have them just withdraw from my checking account the $60.00 recurring fee. Let's say this last up to 3 month that I continue to just pay the $60.00 because I cant pay the full amnt. (for some financial reason, which is what happened to me) I then adviced them of my situation of not being able to pay off the loan as I expected. What happens? Does the $60.00 I paid every week as a extended fee count as anything towards what I took as a loan?
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skurcookies
Joined: 06 Sep 2007
Posts: 6
Debtcc Points: 192
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Posted: Thu Sep 06, 2007 3:54 pm Subject:
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You got it. I have a feeling that you not only paid these back, but you may be due a refund
gather your info and we will see
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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goudah2424
Moderator
Joined: 31 Oct 2006
Posts: 8007
Debtcc Points: 111635
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Posted: Thu Sep 06, 2007 4:00 pm Subject:
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And welcome to the forums! I glad you found us. You will find all the help and support you will need to rid yourself of these payday loan sharks. Ask any questions you may have. We are here to help! 
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goudah2424
Moderator
Joined: 31 Oct 2006
Posts: 8007
Debtcc Points: 111635
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Posted: Thu Sep 06, 2007 4:04 pm Subject:
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Thanks for jumping in Goudah, Skur is just now getting all the info regardeing the loans.
Skur
Please see Goudah's post above. It is important that your account be closed to avoid being debited by these IPDLS. You need to regain control of your checking account
We do advise members to close their checking account and open a new account at a different bank , to be safe
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Thu Sep 06, 2007 7:59 pm Subject: reply
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cookies, your state prohibits pdl's. Which means they are illegal. Which means all the fees they've charged you for rolling over/extending are illegal. They should not even be lending to residents in your state. They are completely illegal.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Thu Sep 06, 2007 8:01 pm Subject: rely
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cookies, close your bank account. Read the "sticky" at the top of this site page regarding closing your account. If you have any questions after reading it, just post and we can help you. You need to close that out, go to a different bank, and open a new account. Ask any questions regarding closing your account. We've all experienced different things about the whole bank account issue. Your pdl's are illegal.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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