Cash advances

Welcome to the site and you are not alone when it comes to the PDL battle. Now that you have signed up with the website a counselor will be contacting you to discuss your options. Are you dealing with storefront or online lenders?

Both, 2 are local and 2 are online

how do i find out what the laws are in OHIO, if anyone could tell me it would be much appreciated.

The storefront lenders will probably be more likely to work with payment arrangements than the online lenders. What two online lenders are you dealing with?

Here is another forum that have people discussing PDL's in Ohio. You might want to check that out.

http://www.debtconsolidationcare.com/forums/pdl-payment.html

Also here is a BLOG from a member who has all the links to check the licensing of States along with the rules and regulations of the PDL lenders.

http://pollyandsay.yesdebtfree.org/

Thank you, the two online lenders are one click cash, i made 4 payments of $105.00 for a $350.00 loan and when they took out a 5th amount of $160.00 i called them and they said the $105.00 was just to roll the loan over i still owed $500.00, i coulnd't beleive it. The other one is cashnet usa.

I'm not sure about the PDL's laws for OHIO, but once you find out what the max interest rate is for OHIO, then you can calculate and see if you have overpaid or not. If you have overpaid, you may want to try and request a paid in full letter. Which you can find a copy of that on the second link I attatched in my last posting. Most likely your store front lenders are following the state laws, but it doesn't hurt to double check. You should do a search for those two online PDL's on this website, I know a lot of people have dealt with them both. I don't think Oneclickcash was an easy one to work with.

Thank you so much i will keep you posted

ok I went on pollyandsay's site but I cant find a link to see what the laws are for Ohio, can anyone help me out?

JenjOhio, Here are the laws $15 per 100 borrowed. No Rollover Allowed. Maximum contract 500 Must have license as check casher. So you have overpaid on the online loan plus they are not licensed. One Click is affilated with Rio Resouces and are difficult people. I never did have cashnetusa. Hope this helps I would contact them and give them state laws and ask for paid in full status . KYSIDE38

Thank you kyside38

Who are the store front lenders in Ohio? I am also working with oneclickcash right now. Have you had your account frozen and/or closed?

If you have overpaid oneclick go to pollyandsay's blog and use the template letter stating your states laws etc. and how much you've already paid. Don't let them intimidate you they are part of Rio Resources and like to bully people.

Sue, I think we all know about Rio lol. I can not believe how many names they hide under. Maybe someday we will get justice against them. KYSIDE38

The store front lenders in Ohio are....Urgent Cash & Cash Land, Urgent Cash is working with me on a repayment, but Urgent cash doesnt want to. I just closed out my account, it got to the point where my entire paycheck was going to paying back thoes loans and I had no money to pay bills and the hole was just getting deeper and I had to do something, I feel alot better now. I feel like I'm in control of my money and Im paying them back.

I applied for a loan online and your company need me to send information in reference to a copy of my bank statement for my checking account and I need your fax number to send it,please reply asap.

Sandra, what is the name of the company you are looking for? You ended up coming at the wrong place here. This website does not offer any loans to the people.

Sandra, If you have not received your money, PLEASE think twice before you take out a payday loan they are TROUBLE....They only get you in deeper. Good Luck KYSIDE38