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#82
01-10-2009, 05:48 PM
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these places can't do anything to you because they are illegal.garnishments take a court order.they would have to sue in your county.being unlicensed that isn't going to happen.either is them taking your car.they can't do anything but threaten.send the letters.file AG complaints against them.most of all relax.if they try anything let us know.wecan and will help you here.
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#84
01-10-2009, 06:22 PM
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i just looked at our DFI site for a license#.oh yeah i got caught in the trap as well.over paid just like you.this forum gave me the support and knowledge to take these places on.i do the same thing.we all have been there my friend.you should register.it's free and you can communicate via PM'S and e-mail.
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#85
01-10-2009, 06:24 PM
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awesome! Thank you how do i sign up? Also did you do the same procedures? what happened with you? i'm just scared they are going to call my work and harass me. my pork has a no tolerance for phone calls and i don't want to get fired. any suggestions?
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#86
01-10-2009, 06:28 PM
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go to the home page.next to the login there is a signup icon click it.ifiled AG complaints immediately.some did call work,but i explained the situation and they said i quit.a lie,but it got the calls to stop.the main thing is get those complaints out.ms madigan our AG takes our rights seriously and will fight for you.
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#87
01-10-2009, 06:35 PM
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Thank you so much for all your help will you look over my letter to make sure it looks okay? the loan is for 500 and right now i have paid 750. THanks!
To Whom It May Concern: After doing research on internet payday loan laws in the state of Illinois, I have found that your internet payday loans are actually illegal. I have also found the following laws to be true applying to payday loans in the state of Illinois’ in general: Legal Status: Legal Citation: 815 Ill. Comp. Stat. Ann. § 122/1-1 Loan Terms: Maximum Loan Amount: lesser of $1000 or 25% gross monthly income Loan Term: 13-45 days Maximum Finance Rate and Fees: $15.50 per $100 Finance Charge for 14-day $100 loan: $15.50 apr for 14-day $100 loan: 403% I have contacted the Illinois’ Office of Financial Institutions and the Illinois’ State Attorney General's Office regarding your internet payday loans and was informed they are indeed illegal in Illinois’ and was advised to pay what is due according to principle amount only of the loan. To date, I have paid $750.00 DOLLARS on my $500.00 DOLLAR loan. The legal amount that could have been charged to my loan is the principal amount of $500.00 DOLLARS even if your internet pay day loan was legal in Illinois’. I have paid $750.00 DOLLARS on this loan by your debits of my bank account. Please mark this account as PAID IN FULL. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. Once I inform you of this, you must stop the telephone contact immediately or you will be once again breaking the laws of the state of Illinois’. You are also hereby notified that I am revoking any voluntary wage assignment I may or may not have signed. I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I am revoking your right to debit my checking account any longer. You, your company, or your affiliates are not authorized to debit my checking account at all. Please be aware that I have informed my financial institution of this situation and they will also be receiving a copy of this correspondence. Any further attempts at debiting my account will be rejected by my financial institution. I must also inform you that I have filed complaints with the Better Business Bureau, the Federal Trade Commission, and my state Attorney General's Office. I expect a response from your company no later than 2/31/2009, regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. Thank you,
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#88
01-10-2009, 06:35 PM
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ALso should i mail those to the payday loan places or e-mail or fax?
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#89
01-10-2009, 06:39 PM
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i would mail them.send them certified mail return receipt.that way they have to sign for it and once they receive it they will know where you stand.also you can keep a copy for yourself too.that is how i did it.by the way welcome as a member.if you need anything just PM me or dawnlango.we can and will help you get these places out of your life.
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#90
01-10-2009, 06:41 PM
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does the letter look okay though?
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#91
01-10-2009, 06:45 PM
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looks outstanding my friend.it should send the message perfectly.
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#93
01-11-2009, 02:36 AM
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No. Payday loans are legal in your state but the one you have is illegal because they are not licensed in the state of IL.
You can email the letter, send it certified USPS, fax it or send it in all three ways. I only emailed mine. They can not garnish anything unless they take you to a civil court which they won't do because they are illegal.
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#96
01-11-2009, 11:10 AM
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