Can someone explain this in easy terms?

They need to stop originating loans in california until they are properly licensed....

Are you in CA? When did you get the loan?

break is in New Jersey. Am I correct, break? Payday lending is PROHIBITED in your state.

You will find the Payday loan laws for New Jersey here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html


Payday lending is PROHIBITED in your state. If you could,please list the internet loans that you have (by pdl name), how much you borrowed, and also how much you have paid back so far. We can certainly help you here. I got your message on my home page. We need to know who the loans are with. We can get you a letter, break. :D

Us fast Cash 500

BIG LTD 200

ameriloan 300

CMG 300



CMG was sent to United Pay servivces and of course he scared me into paying $850.00 aqnd calling everyday to update my "case File". I was ripped off, I know.

Big I made two debits of 80 each, they claim my balance as of August was 445.00

Fast Cash was probably 200 or so.

Ameriloan was 100.

I kept getting a call from a woman who said If I didn't return her call she would write it up as a civil suite. They wanted $750.00 for a $300.00 loan. She didn't say which company she was with. I get calls after calls everyday and all I do is hang up on them. What does it mean when you say it's illegal to practice in NJ?

Us fast Cash 500

BIG LTD 200

ameriloan 300

CMG 300



CMG was sent to United Pay servivces and of course he scared me into paying $850.00 aqnd calling everyday to update my "case File". I was ripped off, I know.

Big I made two debits of 80 each, they claim my balance as of August was 445.00

Fast Cash was probably 200 or so.

Ameriloan was 100.

I kept getting a call from a woman who said If I didn't return her call she would write it up as a civil suite. They wanted $750.00 for a $300.00 loan. She didn't say which company she was with. I get calls after calls everyday and all I do is hang up on them. What does it mean when you say it's illegal to practice in NJ?

Big is overseas and illegal. ameriloan (an MTE company and CANNR's favorite) is illegal. I am not sure about CMG.

So I don't have to pay it back? I'm just a bit confused.

break, what this means (and you are in NJ, correct?) is that your state does not allow pdls. Okay. So what this means is that these lenders are lending to residents in your state illegally. Make sense? No. But they do it. Each one of your pdls is illegal. So CMG turned you over to a collection agency and they scared you into paying them 850.00? Crooks. How much was the original loan for? Also, if possible, could you list how much the loan was for for each pdl and how much you have paid on them? Can you do this to see where we stand as of the moment? We can certainly help you out. :wink:

If the company is illegal then you are only obligated to pay the principle back. Understand though the company is not going to see it that way. But they are illegal companies plus your in a state that pdls are prohibited so the debt is not legally enforcable. They will try every scare tactic known to man though to collect.

Sorry Cannr I was typing as you were posting.

CMG is illegal too, fyi.

Three are illegal. I know US fast cash is illegal in FLorida. Not sure if they are licensed anywhere but in NJ it does not matter anyway. But if they aren't licensed at all then you can avoid the which state law do i follow arguement that these companies love to have.

None of them are legal. Illegal, illegal, illegal. God, don't you love them???

Oh yeah. I love them so much that I wish they never existed. :lol:

Okay...so the poster was in NJ :) not CA.....Well, he found a good link to the CA cease and defrain order :lol:

True! At least we know about CA now! :wink:

Heck, I am going to save that link!

I think all CA residents should!

LOL...I'm glad I could help out!

My CMG was originally for $300 and they conned me into $850.00 and made me call in everyday to in "Tom Jackson's" from United Pay Services terms, "to update my case file". I knew they were a joke because when my last payment was due, I had just called them and spoke to someone and 5 minutes later I get a voicemail. The guy was leaving a message for the wrong person and in his message to a "Ms. so and so", he stated "only god can help you out of this mess". WTF is that?

Can I attempt to get a refund?

Sorry about the double posts...

LOL...I'm glad I could help out!

My CMG was originally for $300 and they conned me into $850.00 and made me call in everyday to in "Tom Jackson's" from United Pay Services terms, "to update my case file". I knew they were a joke because when my last payment was due, I had just called them and spoke to someone and 5 minutes later I get a voicemail. The guy was leaving a message for the wrong person and in his message to a "Ms. so and so", he stated "only god can help you out of this mess". WTF is that?

Can I attempt to get a refund?

Ohh and I also had one for E-Payday loans.

Don't believe E-Payday is licensed/legal. And, can you get a refund? I would certainly as all hell try! Did you file complaints against all these companies? Especially the idiots that took you for over 800 bucks?

How would I go about asking for a refund? Does anyone have a letter or anything? That was with United Pay Services, the company that many have complained about due to their illegal tatics. I also haven't filed a complaint yet because I don't even know where to begin!

Break-I can PM you a letter....it covers wage assignments, cease and desist, etc. If you want to tailor it to ask for a refund go ahead....

Could you? That would be awesome.

I hate to be a pain but, does anyone have the address for the following lenders?

E- Payday

Us Fast Cash

ameriloan

Big LTD?

Just sent you a test PM....

US Fast Cash:
Phone: (800) 640-1295
Address: 198 South Eights Tribes Trail
Miami, OK 74355
Compliance Department - (800) 640-1295

This is the "stated" address, but mail will be returned as "moved". Use the MTE Financial address. It's them. They'll love you for it.

MTE Financial Services
Phone: (866) 213-0268
Address: 515 G S.E.
Miami, OK 74355
Principal: Ms. Apryl Romero, Customer Contact

Also, this might be the "newest" address for USFastCash. Yes, they move a lot.

USFastCash
3531 P Street NW , PO Box 111
Miami, OK 74355


US Fast Cash Compliance Department
Fax: 1-800-470-6614
Email: compliancedepartment(at)usfastcash.com

ameriloan
Phone: (800) 362-9090
Address: 3531 P St. NW
Miami, OK 74355

This is also an MTE Financial d/b/a. Feel free to use MTE's address also on this one.

MTE Financial Services
515 G SE
Miami, OK 74355

BIG, Ltd.
Phone number:888-281-5321 or 775-324-7676
Address: 1005 Terminal Way, Suite 110, Reno, Nevada 89502

This is just a US "drop box" for their mail. They are actually located overseas. Wonderfully illegal.

Found this on another thread regarding E-Payday.

Any chance this is the place:

e-payday-loan.com/

Mailing address:
e-payday-loan.com
PO Box 571992
Murray, UT 84157
866.364.9684

Thanks guys! Now all I need is a letter, any ideas? I have no PM's yet...try again?

I did send you a PM...its sitting in my outbox which means you havent picked it up yet. Do you know how to get to your messages? If not just let me know :D

break, I also pm'd you. If you don't get either, just post. Check your messages. Also, when it comes time to file complaints, you need to file with the BBB (www.bbb.org), the FTC (www.ftc.gov) and your state AG (I just googled my state attorney general and the site came up). When you get to the point of filing complaints, which you really, really need to do, and have any questions, just post. We can help you with it. :D

I hate to say it, but I need help doing this.

Now you've got me laughing! What do you need help with? Getting the messages? Filing complaints? Whatever it is, we can help! What do you need help with! :D

All of it! Haha

Okay! :lol: First, your messages. Do you see on your screen where it says "Chat" and has like two people with little "bubbles" like they're talking? Look under that. It should say "You have 2 messages" or however many messages you have. Click on that. It should bring you to a page where your messages are. Click on the message and it'll open up so you can read them. You can reply to them also. Try this and see if you can this much so far. :wink:

Oh no no..lol. I understand that. What I need help with is:

Getting letters to the pay day loans I already have, via fax, if possible, stating that it is illegal in my state to collect more then "X" amount and so forth.

I also was wondering if there was some type of letter i could write to my previous bank (Commerce Bank, NA) to see if they would waive some of NFS fees as they were draining my bank account to a tune of -208.00. Is that possible as well? Any help I could get today, so the PDL's stop calling and let them know the illegality of what they are doing as applicable to NJ laws.

The the final step is:

A. Filing a complaint against United Pay Services
B. Filing for a refund as they took me for $850.00 for a $300.00 loan.

Does all that make sense?

Just to clarify, here are the loans I believe I have:

US Fast Cash: Amount Borrowed - $300.00

E- Payday Loans: Amount Borrowed - $300

BIG LTD: Amount Borrowed - $200 (paid atleast $160 - $200 already)

Ameriloan: Amount Borrowed - $300.

CMG: Amount Borrowed - $300.00. (Transferred to United Pay Services, bullied into paying $850.00)

I have E-Documents only for CMG and US Fast Cash.

BIG LTD was on the phone, verbally.

E- Payday is "offering" a settlement of 70% off as a one time payment or my balance is $540.00.

BIG LTD as of August was $445.00, it's probably over $600.00 now

ameriloan wants over $600.00

Us Fast Cash is $570.00

Okay, break. You need a letter sent to you to send to the pdls? Now, I don't have a letter for anything for your bank regarding the fees they've charged you. Volley is very good with banking issues. She may be able to help you regarding that. However, do you need a letter to send to your pdls?

I pm'ed break a letter today and it has been opened....

Great, volley! :D It didn't say anything on here, so I wasn't sure. You are AWESOME. Even if you did take the avatar off! :wink:

With regard to the bank possibly waiving fees due to this sitation, you should really talk to them. Sending a letter not the best approach unless you talk to them then they ask you for a letter as documentation...

OK...I have sent and faxed letters to stop calling and they still do. Cash Supply wants $904.00 for a %500.00 loan and E-payday wants 540 on a $300.00 loan. What do I need to do now?

Yay for them. Tough crap. Now, you're not taking the calls, are you? You need to only deal with them via email or USPS. If they are corresponding with you via email, then reply with your original letter. Let them read it AGAIN. Let it sink in that you have overpaid and that you are not going to speak with them via telephone. I did this a million times. I just kept sending the same letter over and over and over.

Yeah, they call and then I email them back asking for the balance. I will include a copy of that letter once again.

break, do you know that you have multiple threads going? Is there a main one that you would like to use? We have information posted in different places and people are going to respond to each post with the same information.

cannr-I think this is the main one....

This is the same one. I am just getting aggrovated with these people. apprently E- Payday is stating I havent paid on my $300.00 loan yet. I have no paperwork on this at all. The want $540.00.

300.00 for the loan and the rest are returned check fees and 90.00 service fees. Any advice on what O can tell them?