It says that you can only have one PDL in Florida, but I

These places do not care what the laws say. That is what is so bad. Some states do not allow them, and yet they lend to people there, some states only allow a certain number of loans, and sometimes one can get twice as many as they are suppose. If they think they can get money, they will do whatever they want.

If it was illegal what action can I take????

2nband is right, these places think they are above the law. Do you know how much you have paid to each of these places for their fees/interest? I do not know why Langhorne will not help anyone in Florida but you may be able to work your way out of these debts on your own with the help of this forum. You might not think this but consider yourself lucky. I had 10 pdl's and am still working on getting most of them taken care of.

The guy, Mr. Ragan, that I've spoken to says that the state you live in doesn't matter, its where we are domiciled, and they have their top dog lawyers and that they aren't breaking any laws. He had the nerve to call my attorney a backwoods lawyer!!! Granted, I don't have an atty, I was just going off the information I found. These people are sooo insane.

You should start off by reporting the companies to the Department of Banking / Finance, and the Atty General.

but....these companies don't report to credit bureaus, so if you had 3 loans out, you could get more loans, because the latter has no record of the former, right?

I guess none of the companies are licensed to lend in Florida. They are throwing their craps by saying that they don't have to follow the laws in your state. It's all BS. You should report them to your state attorney general and the FTC for conducting illegal business.

I spoke with a guy at the Florida banking dept last week. He told me that there are some loopholes that allow pdl's to lend without being licensed in Florida. However, he told me it was too complicated to tell me over the phone, and just directed me to the money transmitter laws.

I read through them all and found that the only stated exception was banks, credit unions, or other financial deposit institutions.

But it is also possible there are other exceptions. The laws don't mention anything about out of state lenders, and some states do allow out of state companies to lend to their consumers while following the laws of the state that they are licensed in.