Need immediate help-Payday mess

Payday loans are prohibited in the state of Maryland. You have already paid more than the principal on all but two of these lons. So they are paid in full. You have a least a moral obligation to pay the principal on the remainng two. First thing you need to do is close that checking account and get a live check from your employer. Then get ready to write a lot of letters and receive a lot of hollow threats. You cannot be arrested or any other crap that you mat hear.

Stud - I just found this posted in another thread, it was someone else from MD's response they recieved from the AG's office.

A person who makes a consumer loan is required to be licensed, unless exempted from the requirements of a license.

Also, you should be aware that any person who violate Maryland law may not receive or retain any principal, interest, or other compensation with respect to the loan.


I would suggest that you immediatly contact your AG's office and start filing complaints against these companies . . . .

It looks like your in good shape here. I don't see any of the really bad ones up there either. Take Goudahs advice on filing complaints. You may even get some refunds

stud, you're in better shape than you think. If they are prohibited in your state (and that post was awesome with the response regarding pdl's!) you've already got the state on your side. However, CLOSE YOUR BANK ACCOUNT NOW! If you're in the negative, you can't actually totally close it. Put a hard debit block on it/freeze it/deposit only status - whatever they want to call it at your bank. Your account will still be open, but no debits will go through. Do not let these people get any more of your money. You've overpaid, some you didn't pay. That's okay. We can work on that. Your first step is to get that bank account taken care of ASAP. Please, please do this. Then we can work from there. We can help you with letters and complaints and maybe even getting refunds. Please listen about the bank account though. There is a link on the site regarding closing your bank account. Read that. However, if you can't close it, put a block on it. Do not let any more debits go through. Please post any questions!

I have a lot of cash advances out, about 1500.00 at least at different cash advance places. It was my intent to pay these loans out one at a time, but circumstances has made it hard for me to do so. I am getting calls almost everyday on my cell phone, plus sometimes at work. What can i do to stop the calls. Also, i have closed my checking account for one advance, but the other one they keep drafting fees. I really need to put a freeze on it to stop the debits, right? What else can i do to get out of this mess. It's not that i don't want to pay, it's just that i can't right now. I live in houston, texas. Please help me. United cash loans, cash net usa, cash central and integrity loans. Your advice is desperately needed. Thank you. Redbird

I just got an anonymouse direct deposit from one of the lenders that I didnt sign up for now that I am trying to get the number I am having a hard time getting their number to tell them to send it back.. the company on the checking account says Direct Payment l Funding PPD. Please help me figure this out