hi im new, pdls that

wright,
what state are you from? What companies are your loans with? are they storefront or internet based loans? How much did you borrow from each and how much have you paid back so far? Sounds like you should be able to get a paid in full letter or refunds, if the situation renders it, please post the requested information and someone will come along and help you out. goodluck

im from ohio 3 store front 3 internet

There are a lot of users from Ohio here that can give you some good advice. Ohio has specific rates a pdl can charge, and they can't rollover the loans. Also, they have to be licensed to do business in Ohio.

I would concentrate first on the storefront loans. They are the ones that are most likely to be legally licensed and following all the laws.

You also should contact the attorney general's office and file complaints on the ones that are breaking the laws.

To get a better idea as to who might help and who might now, etc, can you list who you have the loans through, how much you borrowed and how much you paid, especially to the internet ones? Just might help in getting a little better advice.

Hang in there...it will work out. Just have a little faith.

store front- advance america i borrowed anywhere from 300 (repaid 345)to 500 (repaid 575) over 24 times last year,cashland i borrowed min. of 300 repaid 345 to a max of 500 repaid 575 they are paid in full and i dont go there anymore,checksmart min of 300 repaid 345 to 800 repaid 902.50 borrowed 24 times since last year,cash n hand 400 repaid 460 at least 24 times since this timelast year, 3 on net cashusa i have had 3 loans with them currently i owe them 600 with 87.50 in fees, payday ok 350 with revolving fees of 90 dollars every 2 weeks, aero advance 300 with 80 in fees and i pay 60 dollars every 2 weeks both revolving loans i have had since nov 2006 any help is appreciated and im so sorry that so many of us are struggling with what started out as a way to pay our debts. thanks again

I think Mishele is from Ohio, Mishele, paging Mishele, are you there?

Advance America, Checksmart, and Cashland are your store front lenders? Amy I reading that correctly? You will want to call and make payment arrangments with the store front lenders first. In Ohio, these lenders are licesed to do business here. Rollovers or extensions are not allowed in the state of Ohio.

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


This is a brief overview of the lending laws in Ohio.

Can you give a better list of who you currently owe, the amounts owed, and the amount you have paid on these loans? I mean as of today, thanks :-)

Ok, see you found wright mishele this is the post I pm ed you about.

Hi - I join the other day, I have about 6 payday loans
right now the 2 giving me trouble are Westbury (which I think was actually for Arrowhead) borrowed $200.
paid $475. I ask for proof of loan, but only get responses about me not wanting to pay this debt.
Any suggestions

I actually got a paid in full from arrowhead, you need to file a complaint with your attorney generals office about them. Just go on your attorney generals website, file the complaint and then print it off and fax a copy to arrowhead, they will march to a different tune then and cooperate with you. If you need help, just yell.

tcsharris3
what state are you from? Please list all companies that you have loans with, how much you borrowed and how much you have paid back so far? some one who has dealt with these companies will come along and help you out. If you need phone & fax numbers or address's you can find them on my blog. Link is in the signature of this post. You can also find all your state information there too. Goodluck

I'm in PA - I have to go over all the payday loans
I have, but I know the one is Arrowhead - that is the
one that Westbury is calling and e-mailing me on.
the original loan was for $200 and I paid $475., the
other is GFSIL - I borrowed $200, and paid $350.
I'll have to look up the other ones.
I told and sent Westbury a e-mail asking for debt
validation - like I have been reading on here, but they don't seem to care - just keep sending me e-mails
and calls about wanting another $150.
If I e-mail them with the fair debt, asking for validatin of the debt, shouldn't they have to send it to me and should I just do a cc to the Attorney Generals office of what I send them.

where do I find the address and phone # for Arrowhead or do I deal with this lady from Westbury?

I can help you, I am from Pa also. Go to the state attorney generals page, file a complaint. Email arrowhead and tell them that you feel you have paid your debt and that you filed a complaint with the attorney generals office and they wil be in touch with them with in 10 days. I got a call from them and they said that they would make the account paid in full, if I dropped the complaint. They faxed me information. I sign it and faxed it back. Be sure to tell them that you want a paid in full letter sent to you along with the other paper work or they will continue or have someone else harrass you. It is late, list your others and I will see what I can do to help you. I have ten when I came here, down to two. goodluck.

Arrowhead Investments, Inc.
32 West 200 South, Suite #500
Salt Lake City, UT 84101
Ph: 866-355-7308
Fax: 866-379-7667

Also wanted to let you know that there are sample letters available on this site to use to address these companies.

So - even though it is this Westbury that I am dealing with for Arrowhead, I should still fax the
letter to Arrowhead, Is Westbury the same as Arrowhead

thanks

I saw that you have a loan with GFSIL-Just go ahead and file your complaint on them with your AG, the FTC! They will notlisten to anything you have to say and will tell you that since they are in the UK they do not have to abide by US laws...I have been battling them for months and months...I stil haven't gotten a PIF letter, but after I filed my complaint the calls stopped...They did continue to try and take money out of my account and had the nerve to email me and tell me my account was closed...You will probably have to get a new bank account because they will continue to try and debit your account even after you tell them not too!

Fedupinpa (I like the name)
O.K. - so I am still confused - when I file the
complaint with the A.G. office - do I fax it also to
Arrowhead or Westbury Ventures (or are they the same
company)
and Leah the for you put for GFSIL - do I file a
complaint with the A.G. and the FTC and where do I
find the FTC information.

I still do not know what to do about Arrowhead,
I got a $200. and repaid $475. - now Westbury keeps
sending me e-mails about still owing money and refusing to pay and stuff. any suggestions on what to
tell them. I live in Penna.

PA State prohibits payday loans. I don't think the pdl places you are dealing with are licensed in their state because of so many complaints against them. You have already paid Arrowhead more than the actual amount. You need to get your account marked closed by Arrowhead. Take the help from the attorney general in PA in resolving this matter. Follow this link to their website.

There are people here who took the help of their AG and fixed their problems with Arrowhead.

How much have you paid to Westbury and what is the loan principal?

tcs-I have a loan with the loan shop and have defaulted it. I am getting emails from Westbury also, saying they will settle for $535 when I legally owe them $140, saying I have refused to cooperate with them, etc. I bet that if you and I compared our letters they are probably exactly the same.

Sass - the same thing as DMS Mkt / Express Cash...

Quote:

Send the email to both, arrowhead will still get the money if westbury is trying to collect it. File a complaint at the attorney generals office on both and email both to let them know that you have paid more than you should have. According to Pa law you should have only paid $9.50 per $100, so you should have only paid back $219.00 on a $200 dollar loan. When you file with the attorney generals office, on the form it will ask what you would like to do to resolve the complaint, tell them that you would like a refund for $256 that you over paid them. You got to get pissed off enough to stand your ground and make this happen, it is your money, they have NO right to it. Make sure you file a complaint on both of them, Tell them both you did it. Let me know how it works out, arrowhead forgave mine when I filed the complaint. You have paid back more than I did. Stand your ground and keep me updated on what they say. I will try to check in more often, been traveling for work. goodluck, it will work out in your favor.

tcsharris3
I came here with 10 payday loans, the name was so appropriate at the time, LOL.