PDL illegal in PA ?

Yes and no.

Storefronts yes. Online lenders licensed somewhere no. Online lenders licensed nowhere yes.

Which type of loans are you dealing with?

several but i'm not sure if they are all licensed - how can i find out because some of them don't have websites

Do you still have your contracts?

yes and i have addresses and phone numbers for each and everyone because i had considered filing bankruptcy

Ok do a google search for the division of financial institutions or department of banking for the state that they are incorporated in. For instance if you are dealing with ameriloan you would google Okalahoma division of financial institutions. Most of these site have some sort of licensee look up. If Ameriloan is one of your company????????s you don????????t have to waste your time looking it up because they are not licensed in Oklahoma or any other state for that matter.

OK thanks - did your letter work and keep them from taking money from your bank account.

The only company that I could not settle with was Cash Today Ltd. from the UK. Otherwise, yes my letter worked for all the rest.

you have been extremely helpful. how long did it take for them to actually stop taking the money from your account. they are scheduled to take the money out of my account on the 19th and i have no where near enough in my paycheck to cover what they are to take out

I settled with all of them within 24-48 hours from the time that I faxed the letters.

can you tell me about some of the others like ftr processing, apollo group, cashnet500, fastcash advance, payday select???

Do an advanced search up in the corner using those names as keywords. You will find lots of info.

you are wealth of information on this i'm gathering you had a rough time of it with your pdls

I had a rough time paying and paying on them. Paid way over what I should have. The easiest thing that I did was to stop paying them!
Thanks for the kind words.

I am also in Pa. Have you ever dealt with One Click cash, Payday Select, Payday Ok? I emailed and faxed all 3 of them and only geard back from One Click. I used the letter that you provided referring to the Pa small loan rate caps. I have paid well over what I owed them and have asked for refunds. This is the email I received from One Click Cash:



This is what I sent back to them:



Am I right regarding this complaint? What should I do next? I have started to file a compaint with the AG office, but I have not heard anything since then?

Has anyone dealt with the other 2 companies I mentioned?

i have dealt with payday select - so are u telling me that they have to abide by the rules of our state that says that we can't pay more than $9.50 per $100 and if so that i don't have to pay more if i have paid way more than that just in finance charges over several months

I am also in PA and on Monday I sent them the letter I guess that was on this forum and I added the fact that they are in violation of the PA state small loan interest rate caps. I emailed it and faxed it on Monday. Here is the letter I sent. I faxed it and emailed it from the link on their website.



(Sign Name)
cc: (copy in your bank)

This is continued from the above post:




They seemed pretty easy to work with. I have not heard back from them yet about the refund but I'm sure I will. I read that someone else was in the sam situation and received $500.00 back, it wasn't everything they overpaid but it is better than nothing.

Make sure you get the paid in full in writing and log into your account to copy your contract and loan history before you send this because they when they cloase your account you will not be able to log into anymore and I always think it is a good idea to keep copies of that info.

I also had a loan with PayDay OK. I haven't heard from them yet but they have closed my account on their site. I am continuing to email them to get a paid in full letter and discuss a refund. I will keep you updated. Hope this helps.

Does anyone have an actual street address for this company??

sorry the company is G R Enterprises

cash transfers told me they sent a wage assinment to the job can they do that, and will my job order this thing, do you think they will send it how do they work, my job said they will send it to me it called an intent to withdraw how does that work can anyone tell me i called them and they were really nasty, i tried to make a settlement they refused they said they will not tak e less unless it is through my job,by way of wage assignment is that write this is cash tranfers centers.

Laverne, you need to send a wage assignment revokation letter, and give a copy to your employer. Some employers will honor the voluntary wage assignment that you agreed to when you signed the contract with CTC, some won't. Just to play it on the safe side get the voluntary wage revokation letter in ASAP.

i need help....i have to pdl out totaling $2300.00...they are actually what they call checkbook loans...i cannot pay these they total $800.00 a month..rent is $2875 behind...facing eviction. HELP!!!

Candiceann2003, which state are you in and could you tell us the name of the companies you are dealing with? I've not heard of "checkbook loans".

steeler i wrote to my employer already a letter of revokment, it is in the file on the job, at hr the payroll does not do wage assignment on hr, if they sent it to payroll they will direct it to the hr department for further action, not i talk to my hr department they said they will send it to me because it called an intent, i will have up to 20 days to make a settlement then they will go on with the processing. she acts like she dont really want to talk about it she just say talk to the creditor, they want let me make an arrangement.

CTC is a difficult ipdl to deal with. If I am reading your post correctly it sounds like your employer is going to honor the assignment? Which federal law states they can NOT once you revoke it.

so what do i say to my company to stop this they do have my letters noterized to them and a copy of the states laws in my files, now they have not received ithe letter yet the company say they have sent one out to them i was just asking the hr to see when and if they get one will they take the money out? also is ameriloan still in business or, are they null in void now because this is one of the companies i owe also cashadvancenetwork they say send my money mte are they a part of this company too they ask for a settlement by the 17 of 191 to pay off need advance guys i have several questions on the floor thanks in advance. when they receive and if they receive the wage assignment when can they take it out of the check.

I thought if a company is trying to do a wage assignment against someone, they have to (by law) contact the debtor first, at least 20 days in advance before they contact an employer. Is this correct?

That's the way I understand it Brownsugar.

i dont know the law thats why i am asking they just told me friday they have sent out an wage assingment to your employer they never email me or worth me or call me i actually was calling them to make payement arrangement that when they said they were going to send the assigment out what about the others questions i asked is mte out of business does this include the two compaines amerilaon and cashadvancenetwork .if so this is two less i have to worry about.

Yes, MTE is out of business. If you sent CTC a revokation of the voluntary wage assignment, then they CAN NOT proceed with the wage assignment. Period.

steeler or anyone on the form is cashadvance network about of the company i got an email to make a decision by the 17 to send them 191 to settle if they are out of business i can go to the next one i got one company to give me a pif so any one know about cash advance network fsm genove goth astro lending, payday select priemer processing natioal opportunty

does anyone have a valid mailing address for fastcash-advance.com Even the address they list on their web site is wrong. I had/have a loan with them They are the same company as payday-loan-yes
I can't find their mailing address either, non of their rep's can or should I say will provide it.

thanks for any help.