Please I need help badly!!!

How about you start paying the loan principal of each lender one by one? Review that laws that are in your state and add the fees on the account that will remain due. Call your creditors and let them know about your situation. They will possibly arrange a few extensions.

That's the thing, none of them will let you pay principal without paying all their fees first. Most of them only let you paydown in $50 increments and that is AFTER you pay their fee. So say if I have a $90 fee and I want to pay down, I would have to pay $140. That is times 10 loans.............it seems hopeless. Can anyone give me the names of debt consolidators or settlers who can help me get out of this mess??

All the internet loan companies are bound to follow the laws of the state in which they loan to the borrowers. You must check the laws and find out the number of permissible roll overs. You need to take actions against the companies violating the laws and making illegal money on your account.

Are the amounts above the amount borrowed or the amount paid? If you would list out how much you have borrowed and how much you have paid each one, it would be helpful. Someone will be able to help you out a little more if you do this.

Hang in there. With the help and knowledge from the people on here, you will come through this. :wink:

I am working on getting all my papers around.
I borrowed $200 from Payday ok. I have paid them $121.44 so far. They refinance every payday.

I borrowed $200 from Payday Select. I have paid them $90 so far.

Rollovers are not allowed in Ohio, from what I understand. I am looking at all my bank statements. Does anyone know which company comes up as "Collection Ambassador" on your bank statements?

I think that that is nationwide cash. Those people are NASTY!

Hey I am in OH and I am going through the same thing! First of all-there are no rollover in OH so if they are not making you pay the whole balance in full each time its due-then they are in violation of state law. Second of all, here are the laws:

Ohio State Information

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

So what you need to do is find out how much you were loaned versus how much you were paid and figure up if you still owe anything based on those laws and then contact the companies and explain the laws to them. Also-those storefront ones have liscensing in your state and will take you to court so you need to make arrangements with them. Most of those IPDL's have no liscensing and will threaten to take you to court but do not have a leg to stand on.....PM me if you need help :)

Thanks a lot for the info, Leah. Only one of my loans is from a storefront so I know I have to deal with them. Have you dealt with any of these places and had any succcess?

I am still in in with United Cash Loans-although they haven't harrased me too bad. Also a heads up-Cashnetusa is liscensed in your state so they can operate like a storefront too so take care of them. With cashnet I found that as long as you kept in contact with them they were ok-They told me that I couldn't make payment arrangements and I had to pay it all up front but I sent them a MO everymonth for what I could afford and they cashed it and didn't give me to much grief over it. How much was your loan to United Cash loans? My loan to them was $250-they deducted over $460 from my account. If you add up the cost I should have not paid a dime over $400 so I sent them a letter stating such. Also, you need to send a letter to your payroll dept and tell them that you have revoked any and all voluntary wage assignment agreements with any company....

My loan with United Cash Loans was only $200. I will keep in contact with Cashnet USA as well as Cashland. Well if they won't let us make payment arrangements then what are we supposed to do? I am scared about the voluntary wage assignments.......

I also had a loan with United Cash. I am in NC so pdls are prohibited. I revoked authorization to debit our account and had one of their payments reversed from the bank (we had also over paid them) and so far, I have not heard anything from the. Tried to log into "my account" and I got a message saying the site was for "customers" so I am guessing I am not a customer any more.

How do I revoke authorization to debit my account? I am trying to access my account online but I forgot my password and I get no response when I do the "forgot your password" thing.

You will need to send the internet payday loan people a letter/email stating that you revoke authorization to debit your account. They will need your account informtion, (routing # and account #). You will need to take a copy of these letters as proof that you have notified the companies of this, to the bank at least 3 days before your account is due to be debited again. They will have you fill out some paperwork for this. Now just a word here, these places may still try to debit your account, even though you have revoked authorization, so watch your account. If it shows that they have tried to debit your account, you will need to go back into the bank and they will have you fill out another type of form and should reverse the transaction. Do prepare yourself for some nasty phone calls and such though.

Do take care of your store front pdl first and then work on your others. You will need to pay back what you borrowed. There are plenty of people here that can help you with how to deal with the IPDL's so you can get them paid and not be overcharged.

Hang in there!

Ok, I will do that. Do I say exactly just that to the IPDLs? What if I don't have fax numbers for them? OMG this is so scary! That I revoke my authorization?

Also contact someone in your payroll department..I sent an email to mine and they were very understanding...That way if they allow these companies to touch your check your company is liable for the wages...Just tell them what is going on and that you are hereby revoking any and all voluntary wage assignments that any company may present to them...Besides wage assignment is illegal in OH...I can help you get contacts for those companies if you like...

United Cash Loans
2533 N Carson St STE 5024
Carson City, NV 89706
OR
United Cash Loans
3531 P ST NW
PO Box 111
MIami, OK 74355

CashnetUSA
phone 888-801-9078
fax 866-326-5265
For payments mail to:
PO BOX 06230
Chicago IL 60606

Thier headquarters is 200 W. Jackson BLVD 24th FLO
Chicago IL 60606

You could write something like, I, Jane Doe, do hereby revoke my authorization to debit my account, routhing number XXXXX, account number XXXXXX at ABC Bank.

You might also want to put something in there about revoking the voluntary wage assessment and authorization to contact you at your place of employment or to contact your employer.

I also infomred the companies that all communication needed to be done via email or USPS so that I could have documentation of what had transpired between us.

I sent mine via email.

Do not be scared. It will be ok. Like I said, take care of your store front and then see if you can work something out with the others, but again, I would not pay them anymore than the principal and the allowable fee. They will try to get more. Sassn ~ read through this forum and threads and become informed. As I have said many times, knowledge is a powerful weapon and the more knowledge you have the more you will be able to handle whatever comes your way. You have a lot of support here. Take a deep breath and let it out slowly and know that you are going to be ok.

Just word things in your own words. But do make sure that you give copies of the letters to your bank.

Thanks so much Leah. I am so scared and I feel like I am about to have a nervous breakdown. How can I make sure all these companies have the ach revocations by Friday? I can't even get in touch with some of them.

I was scared to death to until I found this forum....Trust me I had nightmares about all of this...Here is what I Could find for you...(Payday Avenue and The Loan Shop I need to know more to get info on them to many companies with names like that)
Pay Day OK
42 Reads Way Suite B
New Castle, DE 19720
Phone 866-612-4506
Fax-866-612-4508
customersupport(at)paydayok.com

Payday OK
1096 Mechem Dr
Lincoln Tower
Suite 228
Ruidoso, NO 88345
866-701-5370

500fastcash
2533 N. Carson St
Carson City, NV 89706
913-648-5858
OR
515 GSE
Miami, OH 74354
888-339-6669

Nationwidecash.com (ALSO THEY HAVE AN F FROM THE BBB)
314 N. Riverside Dr
Espanola, NM 87532
Phone 866-808-0936
Fax 866-808-7187

Ok, I have gotten my act together and totalled up what I have paid to these places and how much they loaned me to begin with. Here is what my original loan amounts were and how much I have paid them so far:

The Loan Shop-aka dms marketing-aka Mt. Oread Adventures- original loan amount $200, have paid them $60

Payday Avenue-$230 borrowed-have not paid them anything yet.

Cashnet USA-have not paid them yet. Will call to make arrangements after it bounces.

Nationwide Cash.com-Borrowed $300-have paid them $180

500fastcash.com-borrowed $200, have paid them $180

Onestepcash.com-borrowed $300, have paid them $360

Payday Select.com-borrowed $200, have paid $128.57

Payday OK-borrowed $200, have paid $154.30

I know I will need to contact cashland also.

Any more suggestions? Seems like I have a lot of them nearly paid off, especially onestepcash!!!!

Now just calculate what you owe based on the laws I sent you and then inform these companies that is all they are getting from you! Be firm and be strong....if they see any sign of weakness they will prey on it.....Hard to do I know. I am not a woman who intimidates easily and they made me about burst into tears....

Ok, so I notify them by mail, right? And tell them what I owe them? Do I have to pay their fee too or just principal?

Fee and the principle.

I have had alott of problems with my credit when I was younger, now I am trying to fix it. I have 2 judgements against me, and about 4 collections accounts. I tried to raise my score by getting 7 credit cards and just financed my car. my score is about 580 now. The dealer told me I have too much credit??? should i close some of my credit cards???

My opinion would be that yes, paying off some of your accounts would be beneficial to your credit score. That is, if they were only looking at how many accounts you have.

Personally when I had that many credit cards, I found out that I used them more and would rarely use cash (which was WAY wrong!). Get rid of them by paying off or paying more than the minimum and on time and get in the habit of using cash. I am sure in the long run you will be happier.

From The Dest Of Mr Kelly.
E-mail...removed per forum rules
phone Number...+removed per forum rules
Name In Full.Mr Kelly

To Whom It My Concern.
Attn.

Good day,

I am Mr kelly a money lender i give out loan to all in need of help.Are you looking for money to pay bills?I want you to know that i can help you with loan and i will be glad to offer you a loan.

I give out home loans in thye following category.
Auto Loans
Mortgage loans
Business Loans
Personal Loans

If you are in need of loan in your next email i want you to let me know how much you need as loan so that i can provide you my loan terms and conditions.You can contact me Via this email address . removed per forum rules if you are interested in the ad.

LOAN APPLICATION FORM.

NAME IN FULL...............................

COUNTRY......................................


AGE..............................................


SEX...............................................


OCCUPATION.....................................

PURPOSE FOR THE LOAN .......................

AMOUNT NEEDED IN($).........................

CONTACT NUMBER...............................

MONTHLY INCOME...............................

WEEKLY INCOME.................................

A SCAN COPY OF YOUR DRIVING LICENSE IS NEEDED OR
IDENTITY CARD.

Futhermore,i will want you to be serious with this transaction so that you can get this loan very quickly from me.

Thanks
Mr Kelly.
+removed per forum rules

Thanks.
Mr Kelly.

Ha no thanks!!! I am not taking out loans from anyone especially not from some random person that posts an application on a message board!!!!

But thanks for bumping up my post!!!!!!!!

Did you notice all the typos in this post? Hello scam!

No kidding!! I'm sure we are all gonna jump on that and give out our banking info and get a loan and pay all our bills with that! NOT!!!!

Sounds like GFSIL...that is how I knew it was an international number...

I am so glad I didn't have a loan with GFSIL. Are they the same as Payday Avenue? I bet they are!

GFSIL has a million different DBA's I lost track-I just know that they are a pain in my neck.

That settles it, they are probably the same outfit!

Quote:

Haha a dest is probably where these people that call and harass us daily sit where they think that nobody can find them!!!

i wish i had me a dest

Me too!!! We all need dests!!! Then we can sit at our dest and call Payday Avenue, GFSIL, UCL, Route 66, Geneva Roth, and all the others and tell them that they owe us money and we are sending someone to their job to pick them up in an hour unless they western union us $700 for the $200 we loaned them.

Oh oh we can also tell them we are going to download their file to the authorities!!!!!

Hi my name is Mr Jones. I want to help you pay all your bills and by a new dest. Please forward me all you credit card numbers your drivers license and bank routing info. And don't forget your mothers maiden name. I will send you lots of money with no interest. Oh and by the way you also were selected in a special lottery in Great Britain to recieve 500,000 cash. Please help my brother get his money out of Nigeria also. He will pay you 50 percent of his fortune. Just dial 1 800 BLEED ME. But you must act now!

Well said, frogpatch. You just made my day. Here is everything you requested. How soon will I get my dest????? Don't forget Leah's dest too. I wouldn't want her to go without one.

Thanks for remembering me!

I guess these people that post the offer to "lend" money have not read too much into these forums. I really hope that no one falls prey to that. I really hate people to try to take advantage of others in their time of need!!!

Need to know if anyone might have addresses and phone numbers on the following PDL's? NLS.....Ameriloan...GSIL. Would greatly appreciate any info....thanks so much.....ME!