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Aya · Posted: Thu Mar 27, 2008 6:30 am Subject: payday loan help

I live in Virginia and have gotten into trouble with paying payday loans. I have seven loans taken out over the internet and many of them have been paid triple or more.

they are:

GFSIL - loan $200 paid $415
AIP - loan $200 paid $890
World Wide Cash loan $200 paid $979
ACHLoan.com loan $200 paid $350
BIG loan $200 paid $205
epayday.loan $350 paid $1055
4money&more loan 300.00 paid $0 check has bounced twice

After getting hit with many NSF fees I closed my checking account about three days later the calls from the PDLs started both at home and at work

The only PDL that has not called is ACHloan.com

4money&more has not called either but sent me a letter where legal action was threatened I am guessing a bad check charge

I do not have the money to continue paying these PDLs as all of my other expenses are behind because all of my paycheck was going to them

Also after talking to them they all want me to send western union, moneygram, or certified funds to settle my loans all for more than $200 and I can't afford to do that either.

needing help asap, i read the law for Virginia on your site pertaining to PDLs but don't really understand it also I called the Virginia Bureau of Financial Institutions listed on your website and was told that they do not intercede in unlicensed PDLs in the state of Virginia he told me I could fill out a complaint for but promised nothing else

Please advise and I appreciate the help-

Posted: Thu Mar 27, 2008 6:45 am Subject:

Posted: Thu Mar 27, 2008 6:47 am Subject:

First of all some of your loans are way overpaid , while others are highly illegal, Ach and Big are not even located in the is and hold no license to lend anywhere. Is 4 money a store front loan?

Posted: Thu Mar 27, 2008 6:49 am Subject:

It's okay that the state of Virginia will not help. You can do this on your own.

None of the companies you are dealing with are likely to be licensed anywhere.

GFSIL - Not licensed for sure
AIP - Not licensed for sure
World Wide Cash - ?
ACH loan - Pretty sure not licensed anywhere
BIG - Not licensed anywhere
Epayday loan - Not licensed anywhere
4money and more - ?

Aya · Posted: Thu Mar 27, 2008 6:54 am Subject: payday loan help

I am not sure whether 4moneyandmore.com is a store front or not. I applied for the loan over the internet and received the loan in my checking account. I have an address for them 43372 E. Florida Avenue Suite A, Hemet CA 92544 phone 951-927-1818 from the letter that was mailed to me

Aya · Posted: Thu Mar 27, 2008 7:05 am Subject: Payday loan help

4money&more.com their phone number is 951-927-1818 which no one answers always a voice messaging service

Posted: Thu Mar 27, 2008 7:28 am Subject:

They wouldn't be a storefront, since you took it out over the internet. Even if they have a storefront in CA, it wouldn't matter in this case since you are in Virginia and accessed them through the internet.

Aya · Posted: Thu Mar 27, 2008 8:21 am Subject: payday loan help

so what is my next step appreciate the posts so far

Posted: Thu Mar 27, 2008 8:28 am Subject: Payday Loan Help

For me; World Wide Cash sent me a letter right away stating "Paid in Full". They hated I complained to the BBB. AIP sent me a refund and no letter "PIF" but assume it is...I never heard from ACHloan at all. On other threads people haven't either. I hear from Epaydayloan everyday. Via email and phone. But I usually just resend them everyday my letter to issue a refund and quit calling me. Luckily it is to my cell and I just never pick it up.

Good luck....

Posted: Thu Mar 27, 2008 6:08 pm Subject:

aya, have you sent any of these pdls a letter stating that you revoke their debit authorization, any wage assignment, not to contact you via telephone, state your pld state law, etc? If you have not done so yet, we can help you with that. You need to send these guys some letters. With luck, you might get at least some PIF's from them, and with a lot of luck, you might get some refunds. Your bank account is safe. That's the important part. We need to get some letters out to these guys and also file complaints against them with the BBB, the FTC, and your state AG. Even if they say "they might not help", file complaints anyway. You want all the documentation you can possibly have. And, I am a firm believer in filing complaints. I just figure that one day (soon) they will pay attention to all the complaints and take some action. If you need help with any of this, just post!

glenda price

My request was not received in the Pine River Bank. The request was dated 6/5/08.

sweetpea · Posted: Thu Jun 12, 2008 11:59 pm Subject: ARROWHEAD

I spoke w/ a rep from Arrowhead and I took a loan of $250. The rep wants me to pay $110? she mentioned $50 charge and $60 goes toward paying my loan back. Does this sound right? I'm also having trouble contacting VC Funding. I now have over $-800 in my account. VC has messed my bank account. I have PNC and a rep from the bank suggested closing my account. What do you think I should do? Please help. Email me

*Note both loans were for $250. I live in N.J

*e-mail id deleted for you privacy-Jason

Posted: Fri Jun 13, 2008 2:49 am Subject:

Hi sweetpea, I've replied to the thread that you have started on Arrowhead & VC

Please refer to it for the replies.

Ronald Wallace II · Posted: Tue Jun 17, 2008 10:43 am Subject: Direct deposit

I have put in for a loan on sunday the amount was for 255 I did not recieve it on my card yet

Ivonne Senquis · Posted: Mon Jun 30, 2008 10:44 am Subject: loan not in bank yet

cash still not in bank,due date the july 9th, recieved the signuture e-mail 25th june

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