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Posted: Thu Apr 17, 2008 4:31 pm Subject: Usa Payday Loan |
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Is USA Payday Loan a legal company
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khalif702002

Joined: 07 Jan 2008
Posts: 9
Debtcc Points: 208
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Shazzers
Moderator


Joined: 05 Dec 2007
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Posted: Fri Apr 18, 2008 6:59 am Subject: USA PAYDAY LOAN |
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FLORIDA
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Guest

Debtcc Points: 100
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Posted: Fri Apr 18, 2008 7:01 am Subject: |
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| Quote: | Florida State Information
Legal Status: Legal
Citation:
Fl. Stat. Ann. ยง 560.401 et seq.; Rule 69V-560.901-912
Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes
Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
Regulatory Contact: ,
Regulator Website |
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kashzan
Debt Samaritan


Joined: 11 Jul 2007
Posts: 5463
Debtcc Points: 38903
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Posted: Fri Apr 18, 2008 7:18 am Subject: usa payday loan |
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I know payday lending is legal in Florida. What I want to know is Usa Payday Loans are they legally able to operate in Florida and if the are licensed to.
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khalif702002

Joined: 07 Jan 2008
Posts: 9
Debtcc Points: 208
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Posted: Fri Apr 18, 2008 8:20 am Subject: |
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No. Call their office at 866-666-2233. Explain to them that you are well aware of their location in Burlington NJ and you demand they no longer ACH your account. Contact Gail Sauter at 702-240-5295 and be certain to revoke authorization via email gsauter (@) advantagepaymentsys.com and specify you are a USA PDL customer that lives in FL where they do not have legal lending authority. Be certain to inform the USA PDL staff as well. Please return and let others know how this goes. Thanks.
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james

Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Fri Apr 18, 2008 9:15 am Subject: usa payday loan |
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thanks. I called them trying to get a physical address and I was put on hold and was given a Wilmington,DE address. I called the cfsa to check on this company. I was told that they have a Usa Payday Loans & MS Management 847-919-4801. I called the number and a gentlemen addressed the phone and he was very rude. He basically said they he was not out of DE and neither was USA Payday Loan. I just feel like I am getting the run around on this matter, when it comes to trying to find out good information.
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khalif702002

Joined: 07 Jan 2008
Posts: 9
Debtcc Points: 208
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Posted: Fri Apr 18, 2008 9:39 am Subject: |
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Call 609-543-2022. Ask for Melanie. Tell her you know their address is 651 High St Suite 203 Burlington NJ 08016 and they dba Certified Call Center. That should shut them up pretty quickly. Ignore them if they deny it...it's right
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james

Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Fri Apr 18, 2008 9:55 am Subject: |
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Just to be clear...usapayday and usapaydayloan are different. the info i gave is for usapaydayloan.com
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james

Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Fri Apr 18, 2008 9:59 am Subject: |
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Hi james. I have read several of your posts and you seem to be very knowlegable. I have littleloanshop and webpayday calling me and am wondering if they are legal in south carolina. I don't think so, but if you have any info that will help me, I would very much appreciate it. Also, I pm'd you about the ach post. Just wanted a little more info on that. Thanks.
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freakmeout

Joined: 28 Mar 2008
Posts: 98
Debtcc Points: 1307
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Posted: Fri Apr 18, 2008 10:24 am Subject: |
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why worry if there legal now pay them what you owe....
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Guest

Debtcc Points: 100
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Posted: Fri Apr 18, 2008 11:09 am Subject: |
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Pay them what you owe....legally. PM doesn't work, feel free to ask me anything
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Guest

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Posted: Fri Apr 18, 2008 11:11 am Subject: reply |
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pm won't work because your nick the coward.you have to sign up for that,but your above us nick.now go away!!!!!!!!!i for one have had enough.
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paulmergel
Debt Samaritan


Joined: 24 Jun 2007
Posts: 2350
Debtcc Points: 8364
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Posted: Fri Apr 18, 2008 11:20 am Subject: |
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actually, pay them what you owe...legally was me. Forgot to sign in. It was intended to tell "guest" that "what you owe" is pretty subjective in the PDL world
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james

Joined: 16 Apr 2008
Posts: 114
Debtcc Points: 1408
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Posted: Fri Apr 18, 2008 11:24 am Subject: reply |
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sorry james,nick just has got my goat.
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paulmergel
Debt Samaritan


Joined: 24 Jun 2007
Posts: 2350
Debtcc Points: 8364
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