PDL - Leagal Advise

There is some fraud on your side, by using a "former" address, thus not revealing your true state of residency. Dont think a judge would consider a "mailing address" as residency, especially since you are still using a Florida DL. Is your car still plated with florida plates??

That said, please list out your loans.

I live in FL and online PDLs are required to be licensed in the state of FL. Most are NOT. And thus illegal. So do as SOAPLADY ask and list your PDLs so we can help.

As for residency.....most states require you to live in that state for at least 6 months before you can benefit from that's resources. For example....if you were getting a divorce (and I am not saying that you are) then you would have reside in the state six months before you could use their legal system to file for divorce. Having a licenses from AZ doesn't make or not make you a resident. Usually living in a state requires you to file that states income tax return....keep in mind....most states have you file a non-resident state return if you have not lived there more than 6 mo of the year. If you have lived there for six months or more and still haven't changed your DL....please don't speed.

How long have you lived in AZ? Does your job withhold AZ state taxes?

If it makes you feel any better....if you gave the PDLs the correct Social Security Number, a correct number to reach you at, and a correct bank account number, and the only DL # you have and it was correct....then I don't think the physical address is goons be much of concern by way of Fraud. My opinion.

You got lots of questions to answer before you can figure out what state laws apply to you.

Thank you for your responses. Truth be known I really do not live anyway permanent. I moved away from Florida and took on a job that has me traveling 24/7. The address I am using is my Sister's only so that she can forward my mail to wherever I may be. My vehicle is parked in California and has not been moved for two years. I continue to keep it insured and it still does have Florida plates. I rent vehicles for transportation. I have been doing this for two years. My corporate office in in Florida and my cell phone is a Florida number but I do pay taxed in Arizona as I had to put something on my hire paperwork. What a mess eh? I feel the best solution is to utlize the PDL Consolidate service so I can stop this insanity without too much hassle. I could move back to Florida in a minute as I have access to a address there as well.

Personally, I would NOT consolidate PDLs. I have had amazing success using the advice on this site. Everyone on here has either been through it or is currently going through it. One thing is for sure though....it does require a lot of effort on your part to stay on top of this (closing bank acct, opening new one, sending ACH revocation letters, RESENDING revocation letters, following through with writing complaints to BBB, AG office, ect.

Even if you can get one or two or three to send you a PIF notification....you are way better off than you are now. And if it becomes to much due to your travels then you can always revisit consolidation option.

Either state, FL or AZ, PDLs are illegal. Especially if they are licensed.

Good luck to you....either way. And never ever go back down the PDLS road again. Keep us posted.

Don't use a company. They're rip offs.

Please list out your PDLs so we can help you. It's likely, if you obtained these via the internet, they are illegal in every state.

Also, what address did you use as your residence when you filed your taxes? THAT's your residence.

You two are amazing and I really appriciate your support. Just to be clear, I have already secured another checking account and all I have to do is make a phone call and they will close my current account. My next payday is on the 27th and I certainly do not want these companies to drain it once again. In addition; I cannot afford to have them contact my employer which scare the heck out me. Here is the list of companies:

[FONT=Calibri]1. [/FONT]Eastside $227.00
[FONT=Calibri]2. [/FONT]Everest Cash Advance $260.00
[FONT=Calibri]3. [/FONT]My Payday Advance $260.00
[FONT=Calibri]4. [/FONT]PDLNow.com $279.00
[FONT=Calibri]5. [/FONT]ACE Cash Advance $394.92
[FONT=Calibri]6. [/FONT]Your Fast Payday $520.00
[FONT=Calibri]7. [/FONT]VIP Loan Shop $520.00
[FONT=Calibri]8. [/FONT]Integrity Advance $585.00
[FONT=Calibri]9. [/FONT]Seaside $650.00
[FONT=Calibri]10. [/FONT]Plain Green Loans $917.55
Again I cannot thank you enough for your insight!

I have researched the internet and I am confident I need to tackle this without using a PDL consolidator. I paid my taxes in AZ and my office is in Florida so either way I am covered if both states PDL's are illegal. Is there one place I can go to get the information about the "next steps" I need to take? I will be closing my current checking account early next week. I have already made arrangements for my paycheck deposit. I can see there is a letter I can write to each PDL on this site regarding PDL's being illegal. Would you suggest this is what I do next?

I understand the companies will be harrasing me as soon as they cannot rob my account any longer. How do you suggest I handle that with my employer and corporate office?

Much thanks!

Since you are in AZ, PDLs are illegal period. But just in case you wanted some info on Florida about the PDLs you have....you can visit Florida Office of Financial Regulation. I can tell you that I have looked each of them up in their database and none of them have a licenses to do business in FL. Therefore they are all illegal in Florida as well.
I recommend that your next step is to do some math. This will help you figure out if you still owe the PDL money to pay off the principle or if you will be asking for a refund. You will need to add ALL of the deposits that you have received from each lender seperatly....so if you have had a loan with Eastside before then you need to add both deposits together. Then you need to go through your bank account and add up all the debits that have come out for each....again if you had a loan with Eastside before be sure to add up the previous debits and payoff. Then you need to subtract ALL the debits from ALL the credits for each seperatly. If you overpaid the principle you should ask for a refund. If you still owe some money on the principle then you will need to ask the PDL for a physical address so you can send them a money order in the mail.
OhioGal has a post on here for the example letter you use. I used it and followed her post about step by step process. It had worked beautifully. I had PDL with Eastside and VIP and I received a PAid in Full (PIF) notice from both. So I promise there is hope.
Please close your account ASAP. Craft a seperate letter for each PDL and send them out ASAP. By law....your ACH debit revocation is only enforceable if you have notified the lender three business days in advance.
I started this whole process 10 days ago. Initially after sending the revocation notices out letting the PDLs know that they are illegal I received a few calls but did not answer. It wasn't anything too crazy. I waited exactly 48 hours and resent the letters again. I received an email from Eastside letting me know that they are licensed in Delaware blah blah blah. I sent them an email back and told them that I live in FL and will follow Florida law. Also told them that I was filing a complaint to the BBB which I did. Four days later I received a notice from BBBwith a letter from Eastside attached stating that my loan is considered PIF.
As for work....I haven't had anyone call my work. But I did let my boss and my HR know that if they receive a call ref me that it is FRAUD. They were very understanding.
10 days ago, I had 9 PDLs.....today I have 4 I have not heard from. Received 5 notices of PIF. None of them offered a refund but that's ok. I really just wanted them to go away. I promise you can do this!!!!! I promise that if you follow the advice of OhioGal in her post you will get results.
I am sure I have not heard the last from my remaining four PDLs.....but I am motivated and will NOT stop till I get rid of these fools for good. It can be done.
Good luck and keep us updated.

What awesome information! Today I closed my checking account and went over the past 2.5 years of bank statements. It turns out that I have 9 lenders instead of the 10 I thought I had. Of those I have 4 I still owe on the principle (Total: $412.00) and 5 I have overpaid (Total: $3139.89). UGH! It appears one of the lenders has merged and/or changed names three times. Plain Green, Think Cash & First Bank of Deleware have been robbing my account for several years with three different loans. I'm not sure how to handle this one however, unless you tell me different I am going to send three letters addressed to all three names containing the lump sum of financials. To date they have taken $4041.39 for three loans totaling $2600.00.

I'm off to prepare the letters now. If you have any further advise I will be checking back often. I'm on a roll now and looking forward to getting this overwith. Thanks for convincing me that I could handle this without utililizing another scam!

It certainly will not hurt anything to send the same letter several times addressed in the company who has changed names or merged.

Get the letters out today. The sooner the better. And if I may, put together an excel spreadsheet so that you can track each day with these PDLs. I started mine with the first day I closed my acct and sent the letters. And at the top I add a new day every day and list what is currently going on with each lender. That way you can track when you received a call or email, what was said, and what days you send out what (I.e. complaint to BBB or AG). I also log onto the PDLs website and note on my excel sheet exactly what the current status of my loan is. This will help keep track of it all. It gets very confusing of what day you did what if you dont have a way to track it.

Doesn't hurt to compile a folder for each PDL and print a copy of everything.

These people will test your resolve. Stay focused on the means to an end. Keep us posted on this site and we will provide moral support to keep you motivated. You will be on cloud 9 the first paycheck you get to keep in full because they no longer have the ability to deduct from your acct.

I will be on this site regularly....so I will make sure to stay in touch. Don't hesitate to ask questions. There are some great folks on here with amazing advice.

Also, I will keep you posted on how my last 4 PDLs play out so you will know what to expect next.