Under 5 Payday loans and need help

Here are the laws for your state Virginia (just select your state), please let us know who your lendrs are
How much you have borrowed
How much you have paid back to each
As soon as we get this info we can help you

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Lazer, are you coming back? There is a way out of all of this.Well, if you need us, we are here.

Sorry I didn't get back to you sooner but I was trying to figure up everything that I owe.

The two here local is

Advance America, borrowed 200.00 and owe 230.00
Quick Check, borrowed 250.00 and owe 287.50

Internet ones are

BIG Int (or something like that) borrowed 200.00 I think and owe 265.00

US Fast Cash, borrowed 250.00 and owe them the 250.00 plus 75.00 is what they are charging as service charge

Web Payday, borrowed 250.00 and owe them same as one above, 250.00 plus 75.00 service charge

The two local ones are going to be due on the 15th of November, the ones on the internet are coming out today and tomorrow unless I stop them. After that another will come out on the 15th of November as well.

The three on the internet are rolling over and I have paid the service charge already, not counting the ones coming out today/tomorrow.

If I read the rules you put up about the VA laws, are they allowed to roll over?

What I read in the agreement was that it would roll over five times before I actually had to start paying on what I borrowed.

OK...please try to figure out the exact amount you have paid in roll over fees to the internet loans. Roll overs are not allowed in your a=state and we need to see how much you have given them so far. With store fronts...they are usually legal and stay within the laws. You will need to call them and try to make other payment arrangements. PLease read the notes at the top of the page about closing your bank account. Most often this is the only way to stop the debits form the ipdls.

BIG INT so far I have only paid the 65.00 once.....another payment is set to come out tomorrow

The other two is the same. I have paid the 75.00 each once, and another payment is set to come out tomorrow.

I'm going to go to their websites right here in a minute to see if I can get an accurate amount for you. I don't understand all of this, if a rollover isn't allowed then how come they're doing it? And what can I do about it?

So you think closing my bank account would be the best option?

That comment was from me but for some reason it didn't show me as logged in.

After checking I have payed BIG 65.00 and I have paid us fast cash 75.00

looks like I have paid web payday two payments of 75.00 each

They do it because none of us knew they weren't suppose to. Most of the internet payday loans are not licensed and since most states took stances on only store fronts they have been able to charge what ever they wanted. Many states are now enforcing regulations against them, forcing them to become licensed or stop lending. You can go to your states attorney's site or what ever passes for your department of financial instiutions and check to see if they have a license. Store fronts generally follow the law and maintain licenses so you will have to make arrangements with them.

lazer, hang on! Your two storefronts - one is Advance America. They are a member of the CFSA. This means you can invoke the EPP (extended payment plan) with them. The EPP is 4 equal payments to pay the loan off in full. The "fees" stop and all collection activity stops. You need to go into the store BEFORE the due date of the loan and tell them you need the EPP. You will then sign an amendment to your loan and they will divide the payments into 4 payments and it'll be paid in full. I am not seeing Quick Check on the CFSA member list unless they are using a "different" name, like the corporate name or something. You need to call them and ask them if they are members of the CFSA. If they are, you can invoke the EPP with them also. Then you can be rid of these storefronts forever after paying them off in 4 equal payments. However, remember you have to go BEFORE the loan due date. Now, your internet loans are all unlicensed/illegal companies. Nice, huh? Your state does prohibit criminal action. You can close your bank account. It's too late now to stop these next debits from hitting. They will already be pending. You need to read the "sticky" at the top of this site page regarding closing your account. Read it carefully. Post any questions that you have. You have come to the right place. I do believe we can help you out! Post any questions regarding the storefronts, the internets, or the bank issue. :D

Getting ready to read the note message now that you said regarding closing my bank account down.

I do have to worry though, what happens after I close my account down? What do the payday loan places do? Does the interest rack up higher?

I've read the message at the top of the topic now and I'm scared to close down my bank account. I don't need anything else to worry about than I already have. I'm afraid of closing the account and then them opening it back up and letting the charges through. I also don't think that they would let me change my account number. If I did whats to say they wouldn't let the charges go through from there?

lazer, the one you put on here as BIG could that possibly be BIG unlimited or cash today ? please let me asap...thanks

I think it is Big unlimited. http://big-int.com/ is their website.

next question, have you ever talked to anyone there and if yes, were they foreign ?

Yeah they sound like they have a Brittish accent

good, here's what I want you to do. first print out 3 letters, 1st one revoking any wage assignment that you signed or may have signed, 2nd a letter revoking any ach transactions being processed against your bank account 3rd letter a cease and desist from contacting you at work/home and to contact you only through email/usps. once you have printed these out fax these to them, keep a copy in a file for your records, make sure on each of these letter that you put the date that you faxed them to the company...once you have done this let me know and I will try to pm you a form letter that I also sent to them that pretty much spells out that they are illegal in your state..please pm me and let me know how much borrowed and how much paid so far...thanks

lazer, I forgot, also file complaints w/ BBB, your state AG and the FTC if possible...

Who do I need to contact as far as attorny wise? I don't know anything like that. And I need to revoke permission from them accessing my account....where do I find forms to do that? I don't want to close my bank account because then I'm afraid they'll charge me with writing bad checks because I've heard that if you stop them from doing debits they send a check through.

you don't need to contact an attorney. and as far as the letters go, all I did was write, I (your name) hereby revoke any wage assignment that I signed or may have signed and sign it with your signature. and on the other letters go by the same form..let me know how it goes

so I just fill all the info out on the form and mail it in to them? Will that stop them from taking debits out on my account? Will they still be able to send a check through to get their money? Reason I ask is because I had a problem with OneClickCash before. I stoped ach debits from them and then the next week they sent a check through to my bank bouncing checks left and right.

sorry, on the bank situation, if you have checks outstanding than no you can't close your account. but, if you can, go by your bank and talk to the manager, tell him that a company has been taking unauthorized debits out of your account and see what they can do...

lazer, on the BIG loan, fill out the letters with the appropriate info and fax this to them, keeping a copy of all the letters in a file. the storefronts that are holding a check, you need to call them and let them know the situation and see if they are willing to work with you. on the other internet loans you need to find out if they are legal/illegal in your state and follow the same procedure as the BIG loan.

where do I find out if they are legal or illegal? If I read messages right at the beginning of this topic they are legal, but the rollover thing isn't legal and they've been letting me rollover.

Goudah, Volley, can one of you guys step in on this, I need to be away from my computer for awhile and I think your expertise will be more helpful..thanks

I appreciate your help deeannstudent

The only ones that are going to be legal are the storefronts, none of the companies you named for internet pdl's are licensed.

so the two here local are the only two legal ones? Can the others sue me or send a check to my bank after I send them the letter that the other person on here sent me?

They won't sue you, because they are operating illegaly. They may try to put a check through your bank, but that is why you need to take care of your account and make sure it is permanently closed or protected.

lazer, honey, close your account. Do not be afraid. It's okay. No one is going to get you for a "bad check". There are no checks. What One Click Cash did to you is sent through an electronic check since they realized they couldn't put through any more ACH debits. So they put through a check. All your pdls will do this once they realize they can not put through any more ACH debits. Okay? It's very important that you get this bank account taken care of. I know you're scared, but do not be. Here's what you can do. You can close the account, go to the branch where you opened the account, speak only with the branch manager. Close it with the assurance it will not be "forced" open due to pending pdl debits. If they can not promise this will not happen, then you have them put a HARD DEBIT BLOCK on the account. Nothing can go through. No ACH debits, no electronic checks, nothing. You can't even take money out of it, use your ATM card, etc. This will block all debits. Go to a different bank. Open a new account. Just writing letters to your pdls will not stop them from debiting your account. Hell no. They will jump all over it if they know you're thinking about closing it. And they will "haunt" the account they have the information on for a very long time. They will continue to try to hit it with ACH debits and electronic checks. They are amazing. You are dealing with unlicensed/illegal companies. You need to get your bank account taken care of now. This is your first step. You need to get it closed/blocked whatever. And you need to do it now. As long as the account is open/active, the pdls are going to hit it forever and ever and ever. Please believe me on this. I've had it done a number of ways to me. Account forced open, ACH debits, electronic checks, new account hit, etc. You name it, it's happened. LOL! But I'm still alive. I'm not in jail. And I have a paycheck. We can help you, honey. I promise. But your first step is getting this bank account taken care of or you will be debited forever by these illegal companies.

I'm going to call and talk to my bank first thing in the morning then. I have another account set up with Wachovia already which is a completely different bank than the one I'm with now. I just hope that they won't force open the account once something trys to come out again.

Again sorry....that last guest comment was me

I have another question though. After I close the bank account and tell them that I'm going to be sending payment to them how do I know how much I need to pay? Am I going to pay only what I borrowed? Am I going to be racking up interest charges while I do send them payments?

I'm still unclear on a few things but I'm trying to get my strategy together. Like I said in the message above I'm going to call the bank in the morning.

lazer....you could ask your bank to put your account on deposit only status

lazer, I do hope you're working with the bank on getting your account straightened out so that these illegal pdls can no longer debit your account. Your main concern here is getting your money straight. That's your priority. From there, your next priority are the 2 storefront pdls that you have. Advance America is a member of the CSFA. Go there BEFORE the loan is due and invoke the EPP. You can get this paid in 4 payments, no more interest, and no more collection activity. Call the other storefront and see if they are members. If they are, invoke the EPP with them also. You will have these paid off in a couple of months and never have to look back. The internet loans are illegal. After reading back through your thread, it looks like this:

BIG borrowed 200/paid 65/owe 135
USFastCash borrowed 250/paid 75/owe 175
WebPayDay borrowed 250/paid 150/owe 100

Yes, these internet pdls are going to insist you owe more. No, you don't. You only want to pay the amount back that they deposited into your account. Period. I also read that someone pm'd you a letter to send them. If it's the one I am thinking of, it does state in there not to debit, no wage assignment, contact only via email, etc. That's fine. But do not send out anything to these internet pdls until you have your bank account to where the debits can no longer hit. File your complaints NOW with the BBB, the FTC, and your state AG. WebPayDay will most likely settle with you just through the BBB alone. They usually do. USFastCash and BIG are going to be tough. They may or may not respond to the BBB. But that's okay because you're filing with the FTC and your state AG also. They may or may not respond to them. Who knows with these guys. They're nasty. However, that's why you need to do everything in writing. If you have any questions, please post.

can anyone help me? my male cousin went on the internet and took out 4 pdl with out my knowledge till after the fact because he had access to my house while i was out of town and withdrew the money with my atm card because i had him use my card before and he knew my pin he got a total of 1100 dollars in loans i didnt see till i check my bank account online my question is how can he do this without my permission i am woman he is a man how did he get loans in my name and what can i do now if i close my account through the bank and tell them someone stole my info and card what will happen i dont want him to go to jail i am mad as hell at him but he has a problem. how can i resolve this all the loans were off the net
big limited loan 200
impact cash payday 300
geneva roth cap loan 300
plaza funding loan 300
and i defenitly dont want to get hit with a ton of fees can i close the account and then send in payments or am i stuck with this

meis, he can do this because it's so easy to do over the internet. They don't know "who" you really are. You're just putting in the required information. So, he had no problem getting these internet loans. Then, obviously, withdrawing the money from your account. I do not know what state you reside in; however, since you are a victem of "identity theft", you need to tell your bank ASAP about this. If you do not want to tell them it was a relative who did this, then don't. But you need to report it as "identity theft" NOW. Get this bank account closed or you're going to be in a world of hurt. And, I know I sound like I'm preaching, but do NOT let anyone (even a relative) have access to your bank information. No one. You never, ever know what people might be tempted to do when they're desperate. Please, go to your bank and get this taken care of ASAP. If you have any questions, please post. :D

laser, got your message. The money you have paid towards your internet loans goes directly towards the principle amount of the loan. Yes, they are going to argue about this. They call them "extension fees" or "rollover fees", which are PROHIBITED. So what this means is that they can not charge you these fees so every dollar they have debited goes towards the principle amount. Period. Honestly, these internet pdls that you have are illegal companies. They are breaking the law. They will try anything to keep getting money from you. Illegal from the start and illegal til the end. The only way to prevent them from getting any more of your money is to do something with that bank account. You need to prevent the illegal pdls from having access to your account. If you leave it as it is, they will debit you forever. No, they will NOT just stop debiting because you asked them to. No. You saw what One Click Cash did to you. They put through an electronic check. These guys will do ANYTHING to get money. The only way to prevent this is to close/block the account.

I'm printing off the form now to send to the pdl companies and hopefully in another day or two I will have my account closed down. I have to wait on two more checks come out so that they don't bounce and that will be the end of it.

Already set me up a new account with a new bank and will not be looking towards anymore of these companies again *lol*
Also have told some of my friends to stay clear of them.

lazer, great job! It's work, but it'll be worth it! And, yes, tell your friends "JUST SAY NO!" LOL! Just post if you need anything! :D

hey everyone i just reopen another bank account bc i have 5pdls i reside in al!!!! my pdls are
total lending $250 have paid 2 $75 renewals plus 60 for nsfs
one click cash $250 paid $150 renewal fees
speedy cash $260 $120 renewal
instant loans $300 this 1 is default
fastwire $300 not yet due all internet base plz help need to get out of these

my advice, listen to whatever recommendations are given to you on this site. These people are very helpful and they do want to help get your life back for you. I closed my checking account yesturday and although I know the phone calls will be coming soon, i feel such a sense of relief because now i will have some of my hard earned money to claim as my own. Thanks again, And now that i have closed my account please advise on my next step.

t, I responded on your other thread. Check that one, okay??? :wink:

has any1 tried langhorne debt solutions yet??? thinking about trying them mayb my only option

I just tried to get the address on where to send all of my letters to the pdl companies and I have run into a problem.
I cant find the address for any of them. I know I'm suppose to fax the letter to BIG but I need the address for the rest of them. How do I go about getting them?

Lazer, the quickest way is to use the search box in the top right corner of this page. Type in the the company name and the word address and it will list the threads where the addresses are listed.

And if searching doesn't work, post the company names you need addresses for and we can help you find them.

I found some addresses but I don't know which one that I need :(

I need the address to us fast cash, and I also need the address to web payday

I think I can get the fax number for BIG but I'm not sure

scratch web payday, they informed the that I was completely paid off on the 2nd....so that means they won't debit anything else....right? or should I still send them a letter?

laser, WebPayDay - PLEASE, PLEASE, PLEASE get something from them in writing (an email will do) stating that you are paid in full! These bozo's marked me paid in full, refunded my overpayment, sent me a letter, etc. HOWEVER, then "sold" my account to a collection agency who contacted me! Can you believe it? Yes. So I had all my documentation from WebPayDay to fax to them showing it was indeed paid/refunded/marked closed. PLEASE get something from them in writing. Stupid, stupid people. They more than likely won't debit you any longer. They didn't me. They just "sold" me! LOL! I'm serious though. Get it in writing from them that it's paid in full and closed. And USFastCash? The ones that are on my "hate list"? Let me see......... Here is their "newest" address, as they so love to move and move and move.

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

Now as for a fax number for BIG. I don't have a clue. Hopefully someone will! :wink:

I've got the fax number for BIG. They had it posted right on their website so they were the easiest ones to get a hold of. I am going to close my bank down and then send the letters hopefully the same day. I've already set up my direct deposit and everything to go into the new bank.

When I put the amount that I put on the paper what do I put? Do I put it as I have paid 225.00 (75.00 paid 3 times)?

And on loan amount, I borrowed 250.00. Do I put 250.00 loan or do I add the fee that they charged in on that as well? I want to make sure that I get all of this right.

And on the rules it said that Payday loans in Va is legal.....what makes the internet ones illegal besides the roll over and everything?

lazer, with BIG they are the same people as cash today and cash2day4u. PLEASE!!!! file a complaint w/ the FTC, BBB and AG office as I have done also, They are so ILLEGAL it is not funny...Let me know if you need help