877-947-1947 - is this number from Zip19.com?

First I'm looking at the unlicensed/illegal companies:

ameriloan borrowed 350/paid 105/OWE 245
GFSIL borrowed 275/paid 240/OWE 35
Paycheck Today borrowed 250/paid 75/OWE 175
Ten Dollar borrowed 300/paid 0/OWE 300
One Click Cash borrowed 300/paid 360/OVERPAID 60

When it comes to unlicensed/illegal pdls, you are only morally obligated to pay back the principle amount of the loan. Please understand that, yes, they are unlicensed/illegal; however, we do advise to pay what was borrowed. The reason for this is because they did deposit money into your account and you did use that money. That's why we say just pay back the amount they deposited into your account and no more.

As far as your licensed pdls:

Loan Point/Geneva Roth
Borrowed 300
Paid 0
You will unfortunately need to pay them whatever they say, basically. The reason I say this is because, if you look at Utah state pdl law, there are many "no limits". They pretty much are in control. However, one point is that they can not extend it beyond a 12 week period.

Little Loan Shoppe
Borrowed 250
Paid 75
Same as above, unfortunately, since they are in Utah also. And, this just KILLS me. They are keeping it under the 12 week period by stating that you will pay 75.00 ten times (less than 12 I guess!). However, this comes out to you paying $750.00 for a $250.00 loan. Ugh!

The Cash Spot
Borrowed 400
Paid 100
How many times have they extended/rolled over this loan? Did you only make one pmt of $100? Or have you made more than one pmt that totals $100? I am asking this because Delaware law allows only 4 rollovers.

Unfortunately, the "legal" pdls that you have are licensed in states that have VERY lax pdl law. Horrible.

jonna, when it comes to the "legal" pdls, you can have your bank account closed. You just need to contact the legal ones and inform them that you no longer have a bank account - period. Do not let them know if you have a new one. Just deny having a bank account at all. They will want to debit (you do NOT want them to have your new bank account information!) a bank account. No. Tell them you need an alternative way to pay the amount owed to them, whether it be by money order, pre-paid debit card, western union, money gram, etc. I personally lean towards them giving me a mailing address for money orders. It costs a hell of a lot less than the other alternatives.

Now, I know I just threw TONS of information at you. If you have ANY questions at all, please post!

the cash spot i have only done one payment, the laws for the legal ones are confusing so will I have to pay whatever they tell me too? I have every intention of paying the money back. I want too pay it back it's just that they are killing me with all the interest. do I just set up payment dates with them to pay these off.
can anyone help with stcadvance that is all the info that i have?

I can't believe i forgot about a pdl it is paydayone ae they the same as paydayok and paydayselect becuase in tn you cannot get a paydyaok or a paydayselect anymore. but the pdone i have more than paid for i'm sure, i would get it paid down and have to do a increase just to have enough money

PayDayOne is licensed in Delaware. So, you would have to follow the law of Delaware for them, also. Do you know how much you borrowed and how much you have paid on them?

650.00 I had it paid down 20 450.00 but i needed the money for a bill are they associated with any other paydayloans

650.00 I had it paid down 20 450.00 but i needed the money for a bill are they associated with any other paydayloans
ok so tomorrow i need to go and close my account
since i have 3 that are legal what kind of letter do i need to send them

jonna, close or block your account. If you go to close it and they say they can not PROMISE that it will not be forced open due to pending pdl debits, then put a hard debit block on it. Nothing will go through. Do not leave that bank until it's either closed permanently or has a hard debit block on it, okay? As for your "legal" pdls, you can simply type up a letter explaining that your bank account is closed (tell them the bank closed it) and tell them that you need an alternative payment plan. Unfortunately with the "legal" ones, you really can't send the letter was use for the "illegal" ones. It's kind of harsh. And, since these are legal, you'll have to pay them. However, not by debiting your bank account. Tell them you will need to pay by money order (try to get an address out of them) or pre-paid debit card. You can shoot them an email if you have an email address or call them. Since they are "legal", you'll have to work out an arrangment with someone.

650.00 I had it paid down t0 450.00 but i needed the money for a bill are they associated with any other paydayloans basically i have had this loan fo over a year i have paid it down and then needed the money to pay bills so i would borrow money. it has never been paid off.
so tomorrow i will close my bank account, what about adresses dor the illegal pdls?

I want to pay them, i borrowed the money. is it possible that they may work something out with me as far as paying them off, and can the legal ones do anything legally to me? i just can't keep paying htem all this money, and not have money to pay for my house and get food for my children. sometimes i feel like such a failure as a parent because of this.

You are NOT a failure! OMG! Don't even think that! You just got caught up in the ugly cycle of pdls. That doesn't make you a bad person. No one here is a bad person. Please don't even think you're a failure. You're a human being who got caught in a mess. Look at how many others have done the same thing! Many, many, many. And we are all good people. They will work with you, jonna. All you're telling them is that they can no longer debit your bank account (you don't have one). If they want their money, they will make an alternative payment arrangement with you. I know you want to pay these people. We all do/did. I paid all my illegal ones that I still owed towards the principle. If I owed them the money (just to make the principle amount pif), I gladly paid them. I knew they were illegal; however, I spent the money, so I owed it. They might kick and scream a bit if you don't want to pay their illegal fees; however, they're illegal. Pay the principle amount and demand a paid in full letter. The legal ones, they won't do anything to you if you are making payment arrangements with them. You are not the first, and you will not be the last, to tell these people they can no longer debit your bank account. Look at all the people on this forum. They've all done it. It may have taken some "standing firm", but they most likely will accept another payment other than ACH debits. Don't let them bully you though. Explain to them you are going to pay, but you can't through ACH any longer. No bank account. They should give you other options on how to make payment.

I'm nervous about going to the bank, i know that i shouldn't be but never the less i am. I'm not sure how to go about explaining this to them.

and stcadvance that is all i have on them their web site has no phone numbers or address or anything just payment options

I couldn't get logged in this is jonna
When i go to the bank today and they ask about why i am closing my account, do i tell them that i took out the pdls and did not know that they were illegal what do i tell them? help going to bank soon

Have you read this thread?

http://www.debtconsolidationcare.com...e-account.html

You don't need to mention the pdl's . . . . The bank most likely won't care, and if you mention them it could actually work against you.

I read it but am stillconfused, then what do i tell them if they aske why i want to close it and open a new one. and put a block on ach debits. it seemed to me that some people were telling thir bank what happened. can you tell me what i need to tell the bank when i go i bank with first citizens national bank