I need help

no problem lmk, I intruded on aminahs thread....

its okay! :D

deann, there will be good and bad days. Just keep your chin up and post on here if you need to. we all know what you are going through. I know it took several weeks before the phone calls started for me and sometimes it seems as if I am rolling a boulder uphill. Aminah, that is good thinking. I read everything I could on here and other people's experiences helped me so much in some cases atleast I would know what to expect. The unknown is very hard for me to deal with. Both of you hang in there. It may take some work but as your "sking gets thicker" (to use Volley's terms) it does get easier and believe it or not at times it can be downright funny how stupid these people are.

thanks for the vote of confidence. I usually only have 1-2 bad days a week, but w/ the holidays coming up and my dads passing last month I have them more often. ok, enough of my pity party...let them bring it on...yippee

Hi, What kind of letters did you send to them?? Can you send me a sample. Please don't let it get you down. My husband almost committed suicide over this because he thought the life insurance would pay all these debts off. It is not worth it!! You are a strong person I can see by your postings. Keep your chin up I refuse to let them get to me any further and ruin my life.

Loan Shop (aka express cash) is illegal, as is UnitedCashLoansoneclickcash= same company
I researched my lenders: National Money Store, Payday Yes!, Cash2day4you, Loanpoint (aka express cash)all these lenders are not regulated in the States they are opperating in!

dee, you ALWAYS come here and post. You can tell us anything. That goes for EVERYONE. We have all been/still are in the same exact situation. Dee, if these "settlements" and "payment plans" are unreasonable, then by all means, tell them they are unreasonable. If it's the illegal ones hassling you, just save the emails you receive from them. Save everything. The illegal ones are WAY on the "back burner". The legal ones, yes, you're going to have to work with them; however, if it is beyond your means to make these payments, then tell them. Your "real" bills come first. I just finished figuring out what to pay out of tomorrows paycheck and I'll have $60 left. But I'll be damned, it's all going to "real" bills. The others are going to have to wait. And, belle, (my we have a lot of people on this thread!) your husband should NEVER get this down. Although, I completely understand. I do so remember those days of saying "What's the point." And here I am! Still here! Belle, do you need a letter to send to your pdls? We do have a good letter to use as a guideline that we can pm to you. You can use it and just change it/tailor it to fit your specific pdls, laws, dollar amounts, etc. We are all here to help all of you. We will get through this. I promise.

could you please send me the letters. All of my loans are due tomorrow and I need to start dealing with them. Your right though I will pay when I can pay I come first.

belle, you know how to use the "pm"? I can "pm" the letter to you.

no how do you use pm?

Okay, underneath my post you will see two little "buttons". One has two people on it and says "pm". Click on that. It will pop up and you can send a message directly to me. Click on that under my post, send me a message just saying "hey" or "test" or whatever. I will then reply to you. For you to get your pm messages, you will see on the side of your screen "You have 1 message" or however many messages. click on that. My message will be there. Click on it and you can read it. Try this. Once we know we can communicate, I can send you the letter through pm. Go ahead and give it a shot. I'll see if I get a message. :D

I sent the PM did you get it?

Nothing. Let me try to send you one. I'll send one now. Check over where it says "You have X messages" in just a minute to see if you have a message. If it says you have 1 message, click. It should bring up my message. Hang on.

belle, got the pm and pm'd you the letter. If you have any questions, you can post or you can send a pm. Either way is fine. :wink:

Aminah-Your thread has become quite the central point for help!! :D

I'm much better this morning, thanks everyone for the hugs, it was much needed...

Deann, I pm'd you..please let me know if you did not get it. Roxy.

I see my thread is just growing! We have a big family going on here! I dont mind. I like it. It gives me more confidence to get rid of these PDL's. :D

All internet loans are not illegal in Ohio. Internet based companies can be licensed by the DFI, and can be lending legally. They do not have to be check cashers. I saw that posted in the thread previously and just wanted to correct that. They do not have to have a physical location in OH to get an OH license. The law is a bit misleading. :D

Deanna - Tremont is notorious for doing a wage assignment, and they have also tried to take several people to court over the illegal debt. They try VERY hard to collect. Make sure you've revoked the wage assignment, and be ready for anything they try to throw your way.

:shock: oh no. goudah, do you know which ones are licensed in Ohio? How can I find out if the ones I have are illegal?

You would need to check for a license. Let me go back and look at your list of loans and I can check too.

Just looking at the names, they are all unlicensed companies, so you don't need to worry.

I just wanted to make sure people reading this thread realized that not all internet companies are illegal in Ohio.

I went into the ohio license datebase online and was unable to find any of the loan companies listed, maybe I did something incorrect..

whew! i started to panic there for a moment. thank you so much.

dee thank you for checking for me too. :D

Deanna - You checked right. I wasn't referring to her loans specifically, just wanted to note that it is possible for internet based companies to be lending legally in Ohio.

goudah, dee, volley and everyone else helping me.....THANK YOU SOOOOO MUCH! your support and assistance is greatly appreciated! :cry:

I have an ipdl with United Cash Loans. I just found a letter they sent me. What does this mean?

Governing Law: By obtaining this loan and or renewal of this loan thereafter, both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and you consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lender is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of residency.

Does this mean they are legal?

No, they all put that in their contracts. It's called a "Choice of Law" contract.

Thing is, it doesn't always stand up in court. Sometimes, yes it would stand up, but most of the time no. See, you can't just pick and chose who's laws you want to follow. You can't tell a cop, well, in this state it's legal and I'm following the laws of this state. No, it's the state you are in that's laws must be followed. But it's not black and white. There are a lot of gray areas . . . .

thank you goudah. i just got my checking account put on credit only status. the bank rep said that the only way a debit/check will come through is if they manually post it with my permission.

she is opening me a brand new checking account so my paycheck can go in there.

Great! That is awesome news! Your next paycheck will be all yours! You can DECIDE what to pay! It's a great feeling! You will be able to look forward to payday again, instead of looking at them with dread! :D

I cant wait to get paid now! I can now make my car payment! This feels good. And to think I was ready to sign up with one of those credit counseling company that puts you on some type of payment plan to keep from filing bankruptcy.

It's really great to have a paycheck again! :D

Tell me about it! :D Im going to pick out my new checks now. Now I will be filling out new direct deposit forms and faxing those letters to the PDL's. My next payment is due on Nov 2. Are they going to try and take the money asap or on the due date?

Ummmm...well, if the account is closed (which it is) they are screwed either way. they might try early if they get your letter before Nov 2 though.

Yeah, I agree . . . . They may try, but as long as the account really is closed and protected, it won't matter.

I just picked up my new starter checks and signed all the necessary paperwork to put my acct on deposit only status. I feel so much better. I was afraid they were going to look down on me because i am an employee of the bank. On top of all that....I didnt even have to tell them about the payday loan situation! Just that there were unauthorized transactions and that the BBB and Ohio DFI advised me to close the account. Just like Roxy said! :D

she said no debits or checks can be posted to my account without my permission.

There you go....and from one bank employee to another, dont worry about it. Remember those stories I pm'ed you about our execs and their $$ issues :lol:

yes volley! i remember! your support and encouragement really helped me get it done with my head held high. Thanks for everything. Now I am working on getting the letters done. Im searching through my emails and all I see are email address' and fax numbers for these people. No physical address' for any of them. Hmmmmm....

Try going to the websites for each one...try to get it from there..for any you cant find, just post back.

Keep a one page list for yourself of all the email address and physical addresses for these pdl's.

Aminah, Good going. I will bet it really feels good to have control of your money again

Good job aminah! I'm very happy that you have gained control of your money again. It is a very liberating feeling..let me tell ya!!!!

It feels so good! Such a weight lifted from my shoulders! :cry:

United Cash Loans (just FYI) is another d/b/a of MTE Financial. Illegal.

thank you everyone. :( i just went to my email to get the information from the payday paperwork i received from these people when i first got the loan and for some reason the link that was attached to the paperwork doesnt work! i cant get their information nor see what their paperwork says regarding wage assignments! can some one please advise?

Aminah, That happened to me once I defaulted. I had nothing anymore. CYA and send revocation of wage assignment to all of them. Did someone pm you a letter to send to the PDLs? If so, check the letter. The one I used had that and everything else in it so yours may to...

Help please. I just looked at my account and someone called EasyLoans took out $90 out of my account on Tuesday and now they are trying to take another $90 today! :cry:

Wait!! I thought you account was closed...is this your new account?????

I took what little money i had in there out the other day for fear this might happen. i left 4 dollars in the account and now it says that i have $0. The debit is showing as pending on my account! OMG....my worse fear is coming true! :cry: