A message for those of you screwing things up for the rest.

OOOOOH and what ipdl do YOU work for?

PS - Spelling counts. D-E-L-A-W-A-R-E

Yeah, seriously. I have no problem with legally operating companies. And yes, they do have to follow state laws in most cases. Choice of law contracts are illegal in most states.

Maybe you should take the time to actually research what you are talking about before you go and judge people.

I dont work for any company, however the people on this site ARE going to affect my ability to take loans in the future. I see no issue with the way things are now. Why is it fair for the people that dont want to pay to screw things up for those of us that do?

Hey honest adult, honest people DO NOT find it necessary to blast people out that are trying to help eachother. What's the problem, you don't have a support system in your life? Please do find one, I think you may need some help with your self-esteem!

Wow! Our guest must have eaten a little bit of pee in his/her honey smacks this morning! Made him/her curse alot! Hope that his/her hiccup is over now and he/she feels better! :-)

Uh-oh..we've got a Guest and an Honest Adult on the loose!

So we need to just stop what we're doing to ensure you can take out loans in the future? suuree... :roll:

How are we screwing anything up? You can still take out loans . . . . We are not doing anything that effects you.

States were taking action to outlaw these companies long before this site.

But hey, if all the pdl's go away, you can always go borrow from a local loan shark!

If a company is operating legally there is little that one can do to get "out of paying the debt". Only with illegally operating companies is there wiggle room, because they are operating illegally.

I have not problem with people helping others. We all need crutches. I was raised with the understanding that if you agree to ANYTHING you see the agreement through. Obviously not everyone was raised with same set of morales and standards. I NEED these loans and all you people are going to do is make it tougher for those of us that use them when needed.

That's right volleyballmom! We have to make the world safe for ipdl lovers everywhere! Lord only knows what would happen if a perfectly illegal company were to be put out of business!

Guest, I'm sorry you feel you need these loans. This means that you are allowing yourself to be taken advantage of. I hope that you will one day see that you can do things differently.

Oh, that makes a lot of sense. We have no morals because we stop after we've paid an illegal company $3000 for a $300 loan . . . . . Hmmm . . . .

Maybe you should look into why you need payday loans. They are high interest, and should only be used as a short term financial solution. You seem to be using these loans regularly, therefore absuing them. The CFSA has made commericals targeting people like you who rely on payday loans too much. You are the reason they are "shutting down". If you only used them once in a while, you would care if they went out of business.

What makes a company illegal?

OMG, why don't you calm down and read what the posts are really about. No one is out to screw anybody or any company out of money. Everyone on here is willing to pay back the principal amount that they borrowed and not the ridiculous ream fees that these IPDL's charge.

And if you have been reading these posts, you will have noticed that alot of these people are getting money taken out of their account by companies that are operating under numerous names illegally :twisted: . Now if I were a legitimate business I think I would only operate under one name not numerous other alias's and abide by my state laws.

ladybug

And honestly, what are you worried about? Even if 100 ipdl's were shut down tomorrow, 200 more would open up the next day. You will always be able to find illegal loans as long as you have an internet connection.

Guest-I believe you have posted on a couple of other threads here within minutes of each other.

What exactly do you want and what is your point?

...and to piggyback on Ladybug's comment, I would ensure that I were licensed in all states that require licensure, or I wouldn't lend to residents of that state.

What morals and principles are there in coming into a community and cursing people out! What, do you only have morals and principles concerning certain situations? GET REAL!

In the last year I have taken a total of 3 loans. All 3 loans were for $300 dollars I paid a grand toal of $270 in fees for $900 in loans. How in gods name is it possible to $3000 in fees. I don't believe the company continued to debit your account AFTER you called to schedule a payoff or paydown. So how could it be that went on for so long? By my calculations at $90 every 2 weeks (which is the norm) you paid for 33 weeks, thus you let this loan refinance 2 1/2 years before doing anything about it?

Guest/Honest Adult------ Haven't you read all the troubles these loans have gotten people into or have you actually looked at how many people have posted on here?? And you haven't done your homework either, maybe you might want to do that too!! Why don't you work on getting your CREDIT in good standings and you would'nt need these high interest rip off loans.

Please guest..go back under the rock from which you crawled. We don't need your unsolicited comments or views. As the other members have stated, I feel very sorry for you if you live your life to make sure illegal payday loans stay in business.

Ladybug,

If you signed a contract agreeing to the terms INCLUDING THE FEES, why do you have the right to go back after the fact and complain about the fees?

What happens when the "company" gives you a phone number that turns out to be disconnected? Many of these companies make it impossible to contact them and tell them to pay off the loan. You are stuck rolling it over forever.

Seriously, you need to do some research. Yes, payday loans help a few. But they hurt many more.