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Posted: Tue Aug 28, 2007 5:24 pm

please help me find out the legal loan payday loan fees for my payday loans. i am on disability now bad accident and they take all my money every month - finally put no debit on account - settin up moneygrams but don't want to pay more than i owe legally. USFASTCASH owe 585 total fee 135 state of UTAH moneygram to miami oaklahoma set for sept 20th, netcashusa - stie says new mexico - no response from them - total 400 loan plus fee 120=520, geneva roth loanpointusa - loan 300 fe 90 =390 loan note says utah but monegram to go to kansas city kansas - and finally cashnetusa i know they are decent - in nevada but moneygram going to bluff illinois 3 payments sept and october great place! the only one. thanks for all yoru help and I am in the state of PA and i know its' not 6 percent it's the state where they are licensed - or is it the state wehre the moneygram goes? ugh!!!

julie a licensed shrink!! really

Posted: Tue Aug 28, 2007 7:55 pm

Julie...you go by your state law which I am posting for you. If they are internet loans...

Posted: Tue Aug 28, 2007 7:59 pm

Crap, morningstarr.......Julie is in PA.

Posted: Tue Aug 28, 2007 8:04 pm

OK...my mistake...Julie...in your state we need to check and see if any of them are licensed in their own state also...then you will follow that law...give us some time to look them up...

julespooh · Posted: Tue Aug 28, 2007 8:12 pm

Your guys are great i never expected a response so soon!! Thanks so much.

Geneva roth loanpointusa ( says utah moneygram to kansas city kansas total loan 585 fee 135)

2.cashnetusa total loan 750 fee 167.50 =963 moneygram to bluff, illinois bank of nevada on loan note

3. Netcashusa - can't find site says new mexico prob utah or nevada

4,usfastcash - moneygram to miami.oaklahoma bank of utah it says but they have a processing center in carson city nevada - think it's out of bank of nevada not utah but not sure loan 450 fee 120
Same address as ameriloan - i paid them off in full check to the miami, oaklahoma address same po box a month ago!

Thansk so very much truly and dearly

Jules
Finally cashtransfer centers ctc - the worst -- in malta - not even this country - call me on a 604 area code - cell phone calls have stopped recetnly but i have a great istory with them but on teh disabiliyt my entire check would go to them my loan total wqas 1130 ( w fee but now they say it is 1201) they refuse to give me a physical address my brother an attorney was going to pay it off glad i held off - i want to payoff all except this one i feel is totally bad news!! Yoru thoughts?

Posted: Tue Aug 28, 2007 8:26 pm

OK..Julie...you can search for each of these in the google box at the top of the page to see how others have dealt with them...
I have found CashNet USA...they are licensed through Nevada..so as long as they are following that state law then they are legal and you will have to maintain the agreement you made with them.

I will try to find the rest for you during tomorrow.

Posted: Tue Aug 28, 2007 8:46 pm

julie, morningstarr is right. CashNetUSA is licensed/legal. You will have to abide by their state law. USFastCash is not licensed/legal. They are illegal. NetCashUSA is in New Mexico. I checked their licensee database and nothing comes up as them being licensed unless they are using a different name. Geneva Roth/Loan Point I am not finding licensed in their own state - illegal. Cash Transfer Centers (as you know) are big time illegal. Located outside of the United States. You need to stop paying these illegal people. You also had another loan you said you paid in full a month ago. This was an illegal loan also. In PA, they allow for internet loans if the pdl is licensed SOMEWHERE. If they are not licensed SOMEWHERE, they are not legal. However, if they are licensed SOMEWHERE, you will have to abide by the state pdl law where they are. Since these companies can no longer debit your account, you're okay. The unlicensed/illegal ones are just that - illegal. However, let me tell you, stop sending these illegal pdl's Money Grams. You're probably going broke sending them money. And they're not even legal. Your Cash Transfer Centers loan - you need to send a letter revoking any wage assignment you may have signed with them. I don't know if you're working now or what. But they have a tendency to send a letter of wage assignement to employers trying to get their money. If you are working, you need to send that letter revoking any wage assignment you may have signed ASAP. CashNetUSA is licensed/legal.

Posted: Tue Aug 28, 2007 8:48 pm

Cannr...as usual you are awesome!!!! And quick as a bunny!!!

Posted: Wed Aug 29, 2007 6:59 am

Cash Net USA is the only company legally licensed. They are loaning to PA residents under their Nevada license.

Net Cash USA may be licensed. I think they are part of Nationwide. Nationwide is licensed in New Mexico. They have the same address as Net Cash USA, but that doesn't mean they are related.

None of the others are likely to be licensed anywhere . . . . I know that ameriloan, Cash Transfer Centers, and Geneva Roth are not licensed legally in any state.

Posted: Wed Aug 29, 2007 9:27 am

julie, we need to know if your loan documents say Nationwide anywhere on them. I can check to see if they're licensed in New Mexico. But I need to know if they have this name or any other name besides the NetCash name.

Posted: Wed Aug 29, 2007 9:32 am

Okay. Ambassador Financial Servies d/b/a Nationwide Cash is licensed in New Mexico - license #01413. However, it does not state Net Cash USA as a d/b/a, so I don't know if they are indeed "related". Nothing comes up for Net Cash USA. I'm at a stopping point now. Julie, we need to know if your Net Cash USA documents state any other name or an address or something.

Posted: Wed Aug 29, 2007 9:50 am

Yeah, I looked a few months ago and could find nothing to connect them but the address . . . .

julespooh · Posted: Wed Aug 29, 2007 9:50 am

ok guys - found my loan contract

nothing about nationwide but i am going to read the entire loan

it states NEt Cash USA LLC Utah bank of utah and utah laws - so are they lic in utah??

thanks!!

jules

julespooh

julie224

julespooh · Posted: Wed Aug 29, 2007 10:04 am

also what about rollovers in particular to netcashusa? and state of PA? does it even go by my state for that or the licensing state of the company? like everything else?

thanks

j

Posted: Wed Aug 29, 2007 10:30 am

Okay, nothing for netcashusa. I can't find anywhere that they're licensed. Not, not Utah either. Hell, I even tried Nationwide in Utah! LOL! I'm not finding a thing on these guys according to what your loan documents say. Personally, I would treat them as an unlicensed one. That's just me personally since I can't find squat about them being licensed with the information they've given you. If someone knows otherwise, please post & correct me. So, if you're going to treat it as an unlicensed one, then you do not have to go by Utah state pdl law. Until they come popping up saying "HEY, WE ARE SUCH AND SUCH NAME", we're going to have to go by the information we have. Which is not showing up anywhere.

Posted: Wed Aug 29, 2007 11:48 am

Wait a minute. I just got your quick message. Zip Cash? Is that the name they're using? CashNetUSA/ZipCash? My God. How many names do they have???? Correct me here, jule. Does it say Zip Cash?

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