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 tali1956 | 7 Apr, 2007 07:21:05 PM Hi Daisy123, I told the pdls that I had put a hold on the ACH withdrawals from my bank account, which I did. I stated that I revoke them taking ACH withdrawals from my account. I told them that they were operating illegally in my state. My pdls are not licesnsed in this state and my state does not accept rollovers. I told them that I had paid them the legal amount according to my state's laws. I gave an outline of what I paid and when it was withdrawn from my account. I told them that I revoke any voluntary wage assignments I may have signed. I told them that I revoke them from contacting my employer or references. On the two I stil owe on I told them that I would be willing to setup payment arrangements, but that I would no longer allow payments withdrawn from my account. I told them I would be willing to pay by money order or cashier's check. I went online on my state's site and will be filing a complaint against each company with my Attorney General's office as they are all illegal in California. I hope this information helps. Talitha | |
daisy123 | 5 Apr, 2007 09:20:13 AM Iowa State InformationLegal Status: LegalCitation:2 Iowa Code Ann. § 533D et seq.Loan Terms:Maximum Loan Amount: $500Loan Term: Max: 31 daysMaximum Finance Rate and Fees: $15: $0-$100; $10 per $100 thereafterFinance Charge for 14-day $100 loan: $16.67APR for 14-day $100 loan: 433% Debt Limits:Maximum Number of Outstanding Loans at One Time: TwoRollovers Permitted: None (cannot repay, refinance or consolidate)Cooling-off Period: Repayment Plan: Collection Limits:Collection Fees: One $15 NSF fee (exclusive remedy) Criminal Action: Not Specified Where to Complain, Get Information:Regulator: Iowa Division of BankingAddress: 200 East Grand Avenue, Suite 300 Des Moines, IA 50309Phone: (515) 281-4014Fax: (515) 281-4862Regulatory Contact: Rodney Reed,, Finance Bureau ChiefRegulator WebsiteLicensee Database Complaint Instructions Complaint Form Link Since Iowa doesn't allow rollovers, I have been extending on all of my loans. Can someone explain what this means? | |
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