Internet's first get-out-of-debt community - 134,000 members

Posted: Wed Mar 28, 2007 3:16 am Subject: hi im new, pdls that

hi im new, pdls that have gone to the point where in 2 days i will be in default i havent worked since december and owe many other bills besides if i send them a letter telling them whats going on and that i do intend to pay when i start recieving income again when i dont know (spinal injury),will they work with me if they start calling me or my references will a cease calling letter really make them stop ive been paying pdls(8)for over a year now. any and all help is gratefully appreciated,thanks

Posted: Wed Mar 28, 2007 3:49 am Subject:

wright,
what state are you from? What companies are your loans with? are they storefront or internet based loans? How much did you borrow from each and how much have you paid back so far? Sounds like you should be able to get a paid in full letter or refunds, if the situation renders it, please post the requested information and someone will come along and help you out. goodluck

Posted: Wed Mar 28, 2007 3:51 am Subject: pdls

im from ohio 3 store front 3 internet

Posted: Wed Mar 28, 2007 6:54 am Subject:

There are a lot of users from Ohio here that can give you some good advice. Ohio has specific rates a pdl can charge, and they can't rollover the loans. Also, they have to be licensed to do business in Ohio.

I would concentrate first on the storefront loans. They are the ones that are most likely to be legally licensed and following all the laws.

You also should contact the attorney general's office and file complaints on the ones that are breaking the laws.

Posted: Wed Mar 28, 2007 1:32 pm Subject:

To get a better idea as to who might help and who might now, etc, can you list who you have the loans through, how much you borrowed and how much you paid, especially to the internet ones? Just might help in getting a little better advice.

Hang in there...it will work out. Just have a little faith.

Posted: Thu Mar 29, 2007 12:26 am Subject: thanks heres more info

store front- advance america i borrowed anywhere from 300 (repaid 345)to 500 (repaid 575) over 24 times last year,cashland i borrowed min. of 300 repaid 345 to a max of 500 repaid 575 they are paid in full and i dont go there anymore,checksmart min of 300 repaid 345 to 800 repaid 902.50 borrowed 24 times since last year,cash n hand 400 repaid 460 at least 24 times since this timelast year, 3 on net cashusa i have had 3 loans with them currently i owe them 600 with 87.50 in fees, payday ok 350 with revolving fees of 90 dollars every 2 weeks, aero advance 300 with 80 in fees and i pay 60 dollars every 2 weeks both revolving loans i have had since nov 2006 any help is appreciated and im so sorry that so many of us are struggling with what started out as a way to pay our debts. thanks again

Posted: Thu Mar 29, 2007 3:13 am Subject:

I think Mishele is from Ohio, Mishele, paging Mishele, are you there?

Posted: Sat Mar 31, 2007 9:30 am Subject:

Advance America, Checksmart, and Cashland are your store front lenders? Amy I reading that correctly? You will want to call and make payment arrangments with the store front lenders first. In Ohio, these lenders are licesed to do business here. Rollovers or extensions are not allowed in the state of Ohio.

Posted: Sat Mar 31, 2007 9:32 am Subject:

Posted: Sat Mar 31, 2007 9:34 am Subject:

Can you give a better list of who you currently owe, the amounts owed, and the amount you have paid on these loans? I mean as of today, thanks Smile

Posted: Sat Mar 31, 2007 9:52 am Subject:

Ok, see you found wright mishele this is the post I pm ed you about.

Posted: Sat Mar 31, 2007 12:10 pm Subject: help with penna. payday law

Hi - I join the other day, I have about 6 payday loans
right now the 2 giving me trouble are Westbury (which I think was actually for Arrowhead) borrowed $200.
paid $475. I ask for proof of loan, but only get responses about me not wanting to pay this debt.
Any suggestions

Posted: Sat Mar 31, 2007 5:17 pm Subject:

I actually got a paid in full from arrowhead, you need to file a complaint with your attorney generals office about them. Just go on your attorney generals website, file the complaint and then print it off and fax a copy to arrowhead, they will march to a different tune then and cooperate with you. If you need help, just yell.

Posted: Sat Mar 31, 2007 5:21 pm Subject:

tcsharris3
what state are you from? Please list all companies that you have loans with, how much you borrowed and how much you have paid back so far? some one who has dealt with these companies will come along and help you out. If you need phone & fax numbers or address's you can find them on my blog. Link is in the signature of this post. You can also find all your state information there too. Goodluck

Posted: Sat Mar 31, 2007 8:37 pm Subject: pennsylvania payday loans

I'm in PA - I have to go over all the payday loans
I have, but I know the one is Arrowhead - that is the
one that Westbury is calling and e-mailing me on.
the original loan was for $200 and I paid $475., the
other is GFSIL - I borrowed $200, and paid $350.
I'll have to look up the other ones.
I told and sent Westbury a e-mail asking for debt
validation - like I have been reading on here, but they don't seem to care - just keep sending me e-mails
and calls about wanting another $150.
If I e-mail them with the fair debt, asking for validatin of the debt, shouldn't they have to send it to me and should I just do a cc to the Attorney Generals office of what I send them.

Posted: Sat Mar 31, 2007 8:39 pm Subject: pa payday loans

where do I find the address and phone # for Arrowhead or do I deal with this lady from Westbury?

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