Payday loan help Please and thank you
Date: Sun, 11/19/2006 - 22:04
We live in maryland. I added this because alot of the replies i see ask for location.
The first company is zipcash $400.00 loan to date they have taken $600.00 out of our account.
The second is united cash loans $300.00 loan, to date they have taken $270.00 out of our account.
The third is instant cash USA $300.00 loan, to date they have taken $925.00 out ( i think these are paid off the last debit was for $65.00 . $50.00 payment +$15.00 interest
The fourth is SJM marketing $300.00 loan, to date they have taken $540.00 out.
I am going to try to file on all of these guys anyway ( prolly won't work).
I have found from your website a number and email address for SJM marketing is there a physical address for them, and if not how do I file on them?
ALso if I can't file on any of these companies ( due to the recent credit extended) HOw can I get them out of my bank account. I already know that I can close my account and just open a new one, but what I am looking for is to find out if there is a way to cancel or revoke the permission for the ACH from them or any manner in which I can permently stop them without having to close the account.
I do apologize for the length of this post but i wanted to give as much specific information as possible.
Lastly by my calculations at least two of the companies ( SJM and Zip cash) have already taken more than i borrowed plus interest from us.
THank you in advance for any help and please ignore my horrible typing :)
Are these internet pdls? They have to be becaue pdls of any type
Are these internet pdls? They have to be becaue pdls of any type are ILLEGAL. You are only obligated to payback the principal only. You don't need to sweat these guys, how long have you been paying on them? And you need to file complaints with your AGs office regarding this.
Here's the link to your state's pdl laws: http://www.paydayloan
Here's the link to your state's pdl laws:
http://www.paydayloaninfo.org/state_detail.cfm?id=MD
Use the template letter on Polly's blog inserting your states pdl laws, and inform them you have filed a formal complaint with your AGs office. These guys are operating illegally, and they will tell you they don't have to follow your state's laws, A LIE. And they will threaten you with arrest and fraud charges, don't fall for it LIES. Close your bank account and open a new one. Only way to gain control back.
payday loans
Welcome, Payday loans are prohibited in Maryland. All those ones over the internet are illegal. The maximum rate you can be charged is 33 percent a year. You will have to close account and file complaints with you Attorney Generals office. Consumer and Antitrust Division. If you dont close account they will go under different names to keep getting your money plus they pull the paper check routine. File those complaints immediately and keep posting and let us know your progress. KYSIDE38
These guys will find a way around your debit block. Trust me.
These guys will find a way around your debit block. Trust me.
ok first answer yes these a internet pdl's. Where would i find P
ok first answer yes these a internet pdl's. Where would i find Polly's blog i am new and rather slow when it comes to finding things. I have been paying on these for at least 2 and a half months now, i think one may be over the three month limit or very close to it. one more thing i just thought of my lawyer told me I need addresses of my creditors to file them. Thanks to your site I have found all but one the ever elusive SJM marketing. I have serious doubts that if i call them up they will voluntarily give me the address so I can pass it on to my attorney.
debt
Newsomefamily, Go to the right of screen click on blogs and you will come to Pollys just look there. Once again these loans are illegal ask for a refund on the ones you overpaid and please contact Attorney General. WV Attorney General has got back thousands of dollars in refunds for consumers. Attorney Generals needs to get complaints to do something. Best Wishes KYSIDE38
Here it is; http://pollyandsay.yesdebtfree.org/template-letter/
Here it is; http://pollyandsay.yesdebtfree.org/template-letter/
Out of all of those you should only owe $30 To united cash loans. Don't let them threaten you with anything, you will be fine.
Send the letter (Polly's letter, and insert your states laws) to
Send the letter (Polly's letter, and insert your states laws) to Zipcash and demand that they not debit your account anymore and that they have charged you more than they are legally allowed to do and demand a payment in full be marked on your account. I did this with them and they refunded me my money. Hope this helps
