Upfont payday
Date: Mon, 12/18/2006 - 12:05
Is it a storefront lender or an IPDL? Do you have their address
Is it a storefront lender or an IPDL? Do you have their address or the parent company name?
What state are you in where they gave the loan?
Illinois and I have paid them a total of 775.00 on a 300.00 loan
Illinois and I have paid them a total of 775.00 on a 300.00 loan www . upfrontpayday . com the loan is paid in full but that is the total amount that i paid for it
This is the law in IL Quote:Legal Status: Legal Citation:
This is the law in IL
Quote:
Legal Status: Legal Citation: 815 Ill. Comp. Stat. Ann. ???? 122/1-1 Loan Terms: Maximum Loan Amount: lesser of $1000 or 25% gross monthly income Loan Term: 13-45 days Maximum Finance Rate and Fees: $15.50 per $100 Finance Charge for 14-day $100 loan: $15.50 apr for 14-day $100 loan: 403% Debt Limits: Maximum Number of Outstanding Loans at One Time: Two Rollovers Permitted: None (cannot rollover) Cooling-off Period: 7 days after 45 consecutive loan days Repayment Plan: Yes Collection Limits: Collection Fees: One $25 NSF fee (Presentment limit = 2) Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Illinois Division of Financial Institutions Address: Consumer Credit Section, 320 W. Washington Springfield, IL 62701 Phone: (888) 298-8089 Fax: Regulatory Contact: Phil Sanson,, Acting Consumer Credit Assistant Supervisor http://www.state.il.us/dfi/ccd/ccd_main.htm |
Is the company marking your account PIF?
it is already paid in full but I have paid so muck 775.00 on a 3
it is already paid in full but I have paid so muck 775.00 on a 300.00 loan that is my problem do you think i could have a chance at a refund??
Legally speaking, you should get a refund after you can prove th
Legally speaking, you should get a refund after you can prove that the account is paid in excess. Few companies are easy to send the refund while many won't. In that case, you can think of hiring an attorney because this is your money and the excess amount should be returned to you.