Few payday loans that I owe

I have only made pmts to oneclick cash 50.00 and the amount i borrwed was 200. Arrowhead in due 10/25 45.00 refi charge. Emerald i defaulted on the 10th havent heard anything yet. THis is allbecause i lost my job..

whwere is everyone?...............

You will find some samples in the letters section and also a template letter in Polly's blog.

If you have checked that none of the lenders are licensed in your state, you have got a strong hold on them. You are supposed to pay the fees and interests allowed by your state. Draft your proposals putting the laws of your state and review your bank statements. Then you should be able to claim for a refund from the ones who have been paid excess amount.

i cant afford to pay them now what will they do to me?

You can try asking if they would be willing to work out a payment arrangements with you. There are a number of people on here who have been able to negotiate this with pdls. The hurdle will be getting the payday lenders to agree to payment arrangements for what you "legally" owe them per your state's laws. You can advise them that you are prepared to file complaints with your state's Attorney General as well as the BBB and California Dept. of Financial Institutions for engaging in small loan lending in a state they are not licensed in, and charging illegal interest rates for your state.

Some of the pdls are more accommodating when they know you are aware of the laws and that they will have to responds to complaint investigations from these organizations.

can i go to jail..?

..not on civil cases like this. This is not a criminal case for which a person can be sent to jail. There are no debt prisons in US.

even though it involves a post dated check.?

Tasha-If your in California and they are not licensed in CA first file complaints with the Ca General Attorney and the CA CDC (CA Dept of Corporations). The CDC is great, the PDL Company who was harassing me and clearly in violation of CA laws backed right off! I've been advised to seek legal council and sue them since I paid back over 4x the amopunt loaned and they still wanted more than the original loan amount. Good luck

the only thing is i do owe them the $$ what do i do?

Send them your settlement letters, if they are illegal in your state then you are only obligated to pay back the principal you borrowed. They are going to threaten you with fraud charges and arrest, but it is an empty threat, it will sound scary, but nobody is going to arrest you. Have you blocked them from your account or opened a new account yet? That would be a start. Just get your settlement letters out, using the template letters on this site, and then begin negotiating a pay back schedule with money orders to their physical address, just keep demanding this is the only way to make payment. They may resist giving you an address, but in the end they will give you the address to send in your payments.

what templtes can i use? any directories sorry i dont know much

Here is the link, just click on it, and type in your state's pdl laws, and info pertaining to each of your accounts. http://pollyandsay.yesdebtfree.org/template-letter/

u are so freakin GREAT STEELERS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! lots of love!

Back at you! Also it is important that you file complaints with your AG's office against each of these companies if you haven't already. Include this fact at the end of your letters that you are going to send to these companies.

I just was wondering if you could help me also, can they legally do anything to me if i live in pa? I borrowed off of cash net usa also??

Hello, Just wanted to let you know follow all of the advice on this forum. Also make sure to complain to the Attorney Generals office. I would not pay back more than my state fees. They will threaten you even so far as to say they are going to have you arrested. But they are just blowing smoke. There are no debtors prisons anymore. Good Luck God Bless KYSIDE38

I had one with CashNet and they were licensed in my state and followed the laws, they also decreased my interest rate accordingly when I paid the loan off 4 days early, charged me $8 interest on a $200 loan, I can't really slam those guys for anything other than they are a pdl company. Check your contract, I think there may be a voluntary wage assignment in that one, make sure you revoke that ASAP if there is one.

Kyside is right, they are just blowing smoke, you won't go to jail.

can someone tell me where to find out if a payday online loan company is licensed in my state. I am not sure where to even start with this. I am in RI.

Thank you

Here is the link: http://www.paydayloaninfo.org/state_detail.cfm?id=RI
It also gives the government link to find out if they are licensed.

We've also got a loan with oneclickcash, I followed the link and they've have to registered in my state, which is Virginia, which I don't think they are???? :?

Thank you Steelers for the link it was very helpful. But I have another ? for you now. What happens when all the payday online loans I have are not licensed in my state? I am not sure what to do at this point. I have asked anyone who calls to send me something in writing validating the debt and proving there licensed in the state and I have not heard anything back from any of them. If you could tell me what to do now that would be wonderful. Thank you for your help and time.

Steeler that Guest is me thought I was signed in obviously I wasnt.

You need to file a complaint with your state's AG office. Also use the template letter on this site to send each of your pdl's, if you have paid more than the princpal and legal interest rate allowed by your state then demand that they mark your account paid in full. And also let them know you filed a formal complaint against them with the AGs office. This will take patience and you will have to stand up to them and their tactics, but stand firm. E-mail, fax, and send the letters to them.

Tasha, did you get the letter I sent you? It has alot of useful and user friendly info on it

How do you find out if Payday online loans are even legal in your state. I found a site that claims there illegal in RI but it was dated 1999 so I was wondering where I could find a recent one.

Thank you

Swoozy- check this out at http://www.paydayloaninfo.org/index.cfm I think you will find all the info you need here...Karen

yes... i did thanks a ton....

Thanks for the help. I appreciate it greatly.