I just closed my checking account........
Date: Fri, 08/24/2007 - 09:48
How should I handle the emails and calls that come in?
What should I do about them trying to contact my references and job?
I am going to have assistance with Langhorne in a week. But I am wondering what I should do/expect in the meantime?
From which companies have you borrowed the loans? How much have
From which companies have you borrowed the loans? How much have you paid so far and what state are you in? Please put the following information for us to give you better advice.
USA Credit 150- not sure how much they have taken for payment be
USA Credit 150- not sure how much they have taken for payment because their debits don't show up on my statment.
Instant Loans- 300. 1 payment of 95 and five payments of 90.
ZipCash- they don't show how much they deposited however, they have taken 80,50,15,50,15.
Paychecktoday - 200- 60,60,90,60,60
MTE Financial- 300-90,90,90,90,
Geneva Roth Cap-200, 60
CashnetUSA- 350- 87.50, 87.50
NetcashUSA- 300 to come out on 8/31/07 my pay date.
But I closed the account.
I belive all of the money taken for the loans are all extention fees.
Looking at the list of companies you are dealing with I can tell
Looking at the list of companies you are dealing with I can tell you that Cash Net USA is licensed and lending legally under it's Nevada license. The other companies are likely not licensed anywhere, and are operating illegally.
I have this info explaining how PA works:
The 9.5 discount and the 24 % simple interest refer to calculations that can be used by companies that are operating in Pennsylvania and are licensed under Pennsylvania????????s Consumer Discount Company Act. With a number of exceptions, a lender that is located inside of Pennsylvania and who does not have any special lending authority (i.e., a special license or charter) who is making smaller loans not secured by real estate can only charge interest at a rate of 6% simple.
I would also file complaints with your attorney general's office
I would also file complaints with your attorney general's office.
Most of the loan companies are either not licensed or licensed i
Most of the loan companies are either not licensed or licensed in states with the most liberal laws. In my opinion you have paid more than your fair share to many of them. The problem is finding where to make that case against them. You have a lot of leg work to do determine if they are in violation of any laws. I can tell you that MTE and Geneva Roth are very difficult but both have had many complaints filed against them. The others I am not. You can do a search on the BBB website and find their locations. The locations you find are usually drop boxes in those liberal states like Delaware.
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landi, first I'm going to address your loans.
Instant Loans borrowed 300/paid 545/overpaid 245
PayCheckToday borrowed 200/paid 330/overpaid 130
MTE borrowed 300/paid 360/overpaid 60
Geneva Roth borrowed 200/paid 60/owe 140
USA Credit borrowed 150/don't know how much paid????
NetCashUSA borrowed 300/to be pif on 08/31?
CashNetUSA borrowed 350/paid 175/owe whatever - legal
You need to find out how much you have paid USA Credit. Your debits don't show? How can that be? Are they debiting your bank account?
The NetCashUSA one to be debited on 08/31 - do they debit the entire amount or just a "fee"?
CashNetUSA is licensed/legal. You will owe whatever you borrowed plus their "fees".
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Now we'll address the address issues:
CashNetUSA Headquarters is in TX. However, they have locations in IL. Don't know which address to give you.
USA Credit "what"? Many USA Credit's come up under the BBB. Is it another name? Is this just a "short version" of the name? We need the full actual name.
Instant Loans "what"? Is it Instant Loans Today? Instant Loans Now? Which one? Either way, I need to know because this is a d/b/a of their parent company, which is an entirely different name. So let me know the exact name.
Zip Cash shows as:
29L Atlantic Avenue, Ste. 175
Ocean View, DE 19970
Paycheck Today (this is an MTE d/b/a)
515 G SE
Miami, OK 74355
MTE Financial (what pdl name are they using?)
515 G SE
Miami, OK 74355
Geneva Roth - are they using the pdl name of "Expess Loans"? Either way, they have more than one address; however, they are located in MO.
NetCashUSA shows as:
314 N Riverside Drive
Espanola, NM 87532
We need to get the names straight to find the correct addresses. Since you are located in PA, we need to see if they are licensed anywhere. Please post the additional information regarding the loans and the pdl names. :D