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To all who have dealt with the pdl industry

Date: Tue, 01/09/2007 - 07:46

Submitted by Not so Lucky
on Tue, 01/09/2007 - 07:46

Posts: 3041 Credits: [Donate]

Total Replies: 37


Things are getting rough around here. I have received 3 letters from online pdls threatening legal action if I don't quit the slander and defamination of character in regards to my templetes I have let people use. I have only posted the truth about these crooked buttheads and that is putting it mildly. The online industry is running scared and with the help of this site, we have gotten the word out and what our rights are and to use the law against these places who have stolen money. I will begin posting again in the forums, but with cautious wording. The companies are very famous on the boards and 2 of them are from supposedly Miami, Oklahoma and from Ireland or wherever they are claiming to be this week.


Quote:

Where to Complain, Get Information:
Regulator: Pennsylvania Department of Banking
Address: Market Square Plaza, 17 N. Second Street Harrisburg, PA 17101
Phone: (717) 214-8343
Fax: (717) 787-8773
Regulatory Contact: Jim Keiser, Administrator of Non-Depository Institutions


I am thinking that pdls are prohibited in PA.


lrhall41

Submitted by Not so Lucky on Tue, 01/09/2007 - 09:21

( Posts: 3041 | Credits: )


Tammy-what a crock!! You are right, they are running scared, because consumers are getting the info! I was told by a CA that they wouldn't deal with me because it was well know around thei offices that I was "educated in debt" :lol: I just told them it was about time. They also said they knew the website I was getting my info from!! Maybe I better be carefull using my name!!..Karen


lrhall41

Submitted by Bossy4455 on Tue, 01/09/2007 - 11:00

( Posts: 5854 | Credits: )


Wow Tammy, that is some interesting info. I believe I know which companies that have sent you these letters. I haven't received any yet but you never know. How can it be slander when you tell the truth? I know one who likes to stalk people around the message boards so there is nothing wrong with being a little cautious.


lrhall41

Submitted by Cow & Chicken on Sat, 01/13/2007 - 06:28

( Posts: 3571 | Credits: )


I have fallen into the Payday loan trap and am scared. I can't pay them back. What should I do?
Thank you.


lrhall41

Submitted by jackrussell on Tue, 01/16/2007 - 07:38

( Posts: 21 | Credits: )


I live in Florida and have 5 loans online - United Cash Loans, 10-dollar, Aeroadvance, Apple and Coastline Cash (out of Nevada). Thank you for your help.


lrhall41

Submitted by jackrussell on Wed, 01/17/2007 - 06:08

( Posts: 21 | Credits: )


Here are the state laws for Florida regarding payday loans.
Quote:

Florida State Information

Legal Status: Legal

Citation:
Fl. Stat. Ann. ???? 560.401 et seq.; Rule 69V-560.901-912

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes

Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee, FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
Regulatory Contact:
http://www.flofr.com/


lrhall41

Submitted by PinkLady on Wed, 01/17/2007 - 06:47

( Posts: 1720 | Credits: )


Do each of the companies I have loans with have to abide by Florida laws or the laws of their state?


lrhall41

Submitted by jackrussell on Wed, 01/17/2007 - 06:57

( Posts: 21 | Credits: )


Check out this users blog, she has template letters you can look at.
http://pollyandsay.yesdebtfree.org/
You should send these PDL's who are not following the Florida State laws a letter with the laws listed. IF you have overpaid then you may want to ask for a refund or your account paid if full. I would defiantly file a complaint with your Attorney General Office.


lrhall41

Submitted by PinkLady on Wed, 01/17/2007 - 09:59

( Posts: 1720 | Credits: )


I sent them an email regarding Fl. laws and they said they go by Wisconsin laws and that is what my contract says.


lrhall41

Submitted by jackrussell on Sat, 02/03/2007 - 18:34

( Posts: 21 | Credits: )


[quote=chickenshit]My question is how do these skanky PDL's that sent you these letters Tammy know that you are the Tammy on this site? I am pretty sure you are not the only Tammy that has taken PDL's from them. Know what I mean?[/quote]

comin' for ya baby! KNOW what I mean?

*chuckle*


lrhall41

Submitted by texasconsumeractivist on Sat, 02/03/2007 - 20:40

( Posts: 664 | Credits: )