What is a roll over limit?

A rollover is when you pay only the finance fee and "extend" your loan til your next payday.

if only one is allowed and I've done lets say 7, have I broken the law?

You haven't, the company that allowed you to has . . . . What company is it?

Oasis Marketing Group (OMG)
US Fast Cash
Zip Cash
I have emailed all 3 and asked that they mark my account with them paid in full.
I've paid OMG oer $750 on a $250 loan
I've paid US Fast Cash $575 on a $350 loan
I've paid Zipcash $525 on a $350 loan

I'd say just by glancing at Alabama laws that you've overpaid them all! But be careful, most people on this board will say to close your bank account and open a new one, but looking at the laws for your state it seems like you could be prosecuted for intentionally closing your account. You may want to check into that.

and yes, I did see that so I haven't closed my account yet. I'm hoping to get around that. Thanks for your help. I have stopped my direct deposit for now and made my bank aware of the situation.

You could also stop the ach payments coming out of your account. These are all internet companies right?

they are all internet companies. how do I stop the ach debits?

And unless they are doing business under a different name then their license all three companies you listed do not have a license in AL! That is good for you, you really have a leg to stand on in demanding these accounts are marked paid in full. I'd request a refund at least from Oasis, and probably the other two also. Have you done a search on this site with the company names to see if others have any experience with them?

I haven't done any research on them. so far they've been pleasant to deal with. but i haven't heard from anyone since i emailed them today regarding marking my account paid in full.

To stop the ach debits you must go into your bank, explain the situation, and tell them that you have revoked authorization. You will have to pay a stop payment fee, but you need to be careful. Most IPDL's have multiple names, so stopping one transaction won't work. They will try to debit your account using many different names, and many different amounts. The best advice I would have for you right now since you cannot close your account would be to talk to a branch manager at your bank. Explain the situation. You are being scammed by these people! Show proof that you've paid them all way over what you should, and bring a printout of the laws with you to show the branch manager. Tell her you cannot just close and open a new account because you could find yourself in legal trouble. Ask if you can put a freeze, or hard hold on your account while your complaints are being investigated by your attorney general. Make sure you stress this is an attempt not to get ripped off by these scam artists. You said you stopped your direct deposits, so with a freeze or hard hold (which they may say they can't do, but they can) no one will be able (not even you, unfortunatly) to take or put money into your account. Hopefully you can find a nice banker who will help you with all this.

I'd also check with your attorney generals office or someone in the know to see if closing your account would really get you into trouble. My bet is that since these guys aren't licensed, and are breaking the law by charging more than allowed, they will not go after you. You have the laws on your side with this one, so it may take a few weeks of work and a couple headaches, but you should come out on top!

I just did a quick search and didn't see many bad posts about any of your PDL's, so hopefully with some persistence you can get them all marked paid in full. I would also contact you state's regulatory office and report them all.

i didn't find anything negative either. thanks for your help. i've got a lot of work ahead of me and a giant lesson to learn.

I can't say what loan company, but I know that they will settle with you if you use the Payday loan dispute letter floating somewhere in this forum and use the laws of your state. You borrowed the same amounts as I and I sent them a letter and received some money back. Do your research and you will win. Sorry, I can't disclose any more info.

Here's Polly's settlement pdl letter, just enter your state's pdl laws. This is the letter I believe guest is referring to, http://pollyandsay.yesdebtfree.org/template-letter/

Yes that is the letter. Use it, then email it and fax it with your state's laws. They know they are wrong but will tell you that they operate legally in every state but yet give you a paid in full and in some instances refund you.