I currently have 3 online payday loans out. I have included all info I have available and have requested statements of my account on each. After reading through a few threads regarding payday loans I understand that the payday loan company has to be licensed in your state (mine is FLORIDA) to legally process this type of loan. My question is: How do I find out if they are licensed? I do believe I found out that PDL are legal in FL, but I have been unable to find out if these three companies are licensed or not. Maybe I am just not searching the right thing? Can anyone help and advise as to what I should do if in fact they are not licensed? Once I get rid of these I will NEVER do a PDL again! This has caused way to much stress and I need to get rid of them ASAP as I am pregnant and need to be able to put some of this money that is being wasted on fees to the side to save for maternity leave...
US Fast Cash - Original Loan 2/2/12 $300
Paid:
2/17 - $90.00
3/2 - $90.00
3/16 - $90.00
3/30 - $90.00
4/27 - $100.00
5/21 - $100.00
Total Paid $560.00
Say I still owe : 6/1 $100 (did not pay) 6/15 $100 and final 6/29 $95
500 Fast Cash - Original Loan 4/23 $300
Paid:
5/30 - $75
I still owe them up to the $300 I understand that and there is a payment of $105 for 6/8 set up. But I am certain there were at least 2 more payments if not 3 they had me set up for $105. I have emailed them asking for a complete statement of my account to be sure though.
Mesa Financial - Original loan 5/18 $300.00
First payment drafted last Friday and didn't go through of $90.00. So I know they are going to charge me a fee and will probably try to reprocess any day.
Again, I understand I do owe them up to the $300.00
Thank you for any help or advice anyone can offer!!!
Debt Samaritan
Posts: 16655
Credits: 297066.76304864 Send message to SOAPLADY
The first two are illegal tribal lenders....you owe principal only..no interest or fees.
I cannot find a website or license for Mesa Financial but I think they may be out of Kansas.
Follow the link in my signature line for info on how to deal with this mess.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
If I have the PDL set up for payment from a prepaid card do I still need to close out my bank account? They were originally set up through my checking account, but I made arrangements on a prepaid card.
Thank you
Debt Samaritan
Posts: 16655
Credits: 297066.76304864 Send message to SOAPLADY
If they have your bank account number, cover your butt. Close the account and open another one.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
Posts: 14390
Credits: 111357.72042813 Send message to paulmergel
which pdls do you have setup with the [prepaid debit card?the reason is because all three are illegal in FL,and usfastcash owes you big.don't pay them until they agree that you only owe the principle and nothing more.do not load that card,and yes close your account.
US Fast Cash and 500 Fast Cash are set up on prepaid cards. Mesa is still on my bank account. I know Vystar won't let me close the account though until the account is brought to a zero balance as Mesa has tried to process already when no finds were available as this is not my main checking account, Vystar rarely has money in it. I have a main checking account where my husband and I have direct deposit at Bank of America...
How did you both find out these were illegal? And are they illegal in FL because they are not licensed or what? I just want to make sure I have all my info right.
Thank you.
Debt Samaritan
Posts: 16655
Credits: 297066.76304864 Send message to SOAPLADY
They are tribal loans....always illegal.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
Posts: 2
Credits: 134.85 Send message to Jhard84
Soaplady i registsred and send you a message. Would you please tell me what you think when you get a chance?
Thank you
Posts: 2
Credits: 134.85 Send message to Jhard84
Do I need to get my letter to the lender notarized?
Debt Samaritan
Posts: 16655
Credits: 297066.76304864 Send message to SOAPLADY
No you dont need to notorized . Email them.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
I haven't received anymore calls from USFAST CASH or 500 FAST CASH since I submitted my letters to them. However, Friday afternoon I got a message from some lady with a thick middle eastern accent, of course, she had a completely America sounding name, number was 201-254-3633 she did not mention her companies name. She said that there has been a legal issue connected to my SS# and that I needed to call her "before this legal matter unfolds"... I am not calling her. She left another message today, said the same exact thing, sounds like a script she is reading. I think it is bogus. Has anyone else had this happen??
Also, how can I find out about Mesa Financial? I have been trying to search for their license # to see if they are licensed in FL. Here is their info:
Mesa Financial
Phone: 1-866-430-6372
Fax: 1-866-431-6372
Thank you!! :D
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