need help in florida for payday loans

Shelly can you please list the names of the internet paydayloans, the amount borrowed and what you have paid. This will help to find out if they are legal/illegal and if you have already overpaid any of them.
Do you and your husband share an account, and if so are some of the internet ones in his name?
I am rather new at this myself, but I know there are a lot of illegal internet payday loan places out there.
Hang in there Shelly, you came to the right place the people here are awesome and can help you to end the endless cycle :) They have helped me sooo much.
Im cheering for you :)

my bank account is under me and my husband..I have paydayloan-yes.com which originaly 300 but now its down to 200 since I paid 100 plus finance charge, OSL for 200.00, AIP for 200 which I paid 3 times the finance charge for 89. that means they already got finance charge more than the principal. I got cash spot for my husband in the amount of 300, instant cash 911 for me for 400.00,ex pay for 300 for my husband...I paid fiance chagres already like 2 to 3 times with such little amount...I talked to my husband and I said I'll sacrifice. I will put a stop payment under my name so they dont get anything from our bank anymore and we can buy all our basic needs. I cant afford them to call my husband at work since hes a supervisor but me, they will call directly my desk plus they cant harm on on the phone...I just ran out of options

B/shelly: I have posted information for you on your other thread. There is more information there. i2, there is another thread going with shelly and her information. Just a heads up. :wink:

Thanks cannr...i have been gone over the weekend so didnt know :)

hi..its shelly72...I just spoke to my bank and they told me that payday loans is really a horrible thing. The problem is since we have an agreement, even if we close the account, they'll be able to re-open it because of the agreement. If you open a new bank account, it will take a little time but if they found out, they can start debiting money too...I have so sit down with my husband..check everything we can sell that we dont need...pay off one at a time..3 of them will have to go next week since my father inlaw will give us money just to pay off some of them...then 3 more to go..ranging from 200 to 300...They just have to go..my bank told me that if we paid off each loan, give them a call so they can totally block them..any other account who try debitting from our account, they have to speak with us first....its tough but our bank was good since we have our account with them for 4 years now..no problem,,,I dont know..Im still confused..

shelly, is your bank aware that these are unlicensed/illegal companies? I understand what they are saying regarding "you have an agreement"; however, you were not aware that these were unlicensed/illegal companies. They are not even licensed to lend legally. And I do understand you wanting to pay them. However, you only need to pay them back the amount that they deposited into your account. No more. That's it. One of them has already debited you for more than that. The others will continue to debit for hundreds more if you allow it. So is your bank saying that they will block ALL debits? If your bank will block ALL debits, you can pay these illegal loans back yourself, by money order, and for the amount of the loan deposited only. I'm sorry, but I'm not disagreeing with your bank. My point is that they do not understand that these are illegal companies who are debiting your account illegal "fees" according to your state. Yes, your account can be "forced" open; however, that's why we say in that case to put a hard debit block on it. Nothing will go through. Then open a new account so that you will have a working bank account for yourself. I just really hate to see these companies continue to debit your account forever. And, I hate to say it, but they will. And it will be for well over the amount of the loan. I don't know if you spoke with a customer service rep over the phone or how you did it. But what works is going to the bank and speaking to the manager. We've all had to do this. We have to stress "illegal" companies, "illegal" fees, "unauthorized" debits. This way they will block your account. Unfortunately, they may try to debit your account under different names. That's why just trying to block these particular names is hard.

tomorrow I will personally go to my bank and speak to a manager because I only spoke to a customer service rep. I wonder how I can avoid the others from calling my husband at work...as of now, I know i will have an overdraft fee tomorrow because I paid my car..those paydayloans made sure they got theirs first..and they did thats why it affected my payment for the ones we really need...that is why I decided to just close it and have a new start ..I dont think I'll go to jail for owing 200 each am i?...help pls

by the way..my husband borrowed from checkngo 2 months ago and hes almost done paying off his loan..he borrowed 1375 and hes only 3 payments away out of the 8 installment..always on time..because we kept on paying them, i feel like theyre trying to hook us to borrow again because they kept on emaileing us and texting us saying were eligible for bigger amount...they got no heart..we're short all the time..I feel so sorry for my 2 yr old son..because of this payday loan, we cant take him out anymore..we cant do anything like we used too..I feel so stupid..if we survived all these, it will ne a NEVER AGAIN thing...its a nightmare!

Okay, shelly, please stop beating yourself up! We've all done it! It'll be okay. Now, you have an installment loan with Check n Go, correct? So you're paying them through debits of your bank account also? Now Check n Go IS licensed/legal. They are not considered a pdl. So what you'll have to do regarding them, is after you get your account all straightened out at the bank, contact Check n Go. You've always made your payments and you're almost done. After the bank deal is done, call Check n Go. Tell them you bank account was closed. They will need to know this so they're aware their debits won't go through. You don't want them to think you're trying to not pay them. I do know of others who have Check n Go installment loans. They will want you to pay via bank debit; however, I do know that others have gotten an alternative payment (money order, money gram, etc) to pay them. You will have to pay these guys though since they are licensed/legal. And, no, you're not going to go to jail for illegal internet loans. If that were the case, I would not be here sitting at my computer helping you out. I'd be sitting there with millions of others. You see from this site how many people are trapped in this. And we are all still here.

Hang in there Shelly :) First of all you can send them a note letting them know they are not allowed to call you at work or your husbands work and for that matter not to call you at home, but all communication is to be done via usps. I think you can tell them the same thing via phone, but you definately need to let them know not to call any more and not to call anywhere period!!!
As far as the bank goes yes it is best to speak to a branch manager and explain the situation to them as far as these being illegal companies withdrawing monies from your account and you are denying them the right to take anymore money from you.
If that manager will not work with you move up to another one or go to another branch until you have resolved the issue and have something in writing as far as them not being able to reopen the account.
Chin up

thanks guys..I will post the outcome of my conversation with the manager tomorrow..thanks for all your advise

shelly, no problem. We will be here. See what you can do regarding the bank and we will take it from there!

out of curiosity, i wanna know which one of our payday loan is legal..below are the ones we're dealing with so atleast I know whos gotta go first..

checkngo
payday-loan-yes
instant cash911
ez pay
AIP
OSL
The cashspot


are these company all legal..I know you told me AIP is not..theyre the ones who took 89 every week from me for 3 weeks..for 200 principal..what about the others..can anybody help me check

I already talked to the branch manager of my bank. Our agreement was to put a hard block on our account. That means theres no other transaction allowed other than deposit..as if we freeze our own account. If we need money, we have to go to the branch and withdraw it ourselves so they can identify that were the account holder. Meanwhile, My husband will fully pay one payday loan he has. The rest of our loans, I drafted a letter and will send to those loan shark companies..Its a registered mail. I will call them up tomorrow to inform them that hey Its causing a financial hardship in my family and this is only what I can do..Take it or leave it thing..I will also tell them that I spoke to my father inlaws attorney to help us draft a settlement agreement which I actually did because my mind is already drained...In the letter, I stated that I want a repayment plan therwise I have to declare bankcruptcy..ofcourse its not actually true . I wont file such a thing for a 200 each loan...and yeah Im scared but i guess thats life..sometimes you learn things the hard way....we have a storefront loan. my husband paid hs ..mine, I wrote them a letter that I need a repayment plan because I dont have anything to provide my family anymore..I have the guts to say it because I read the agreement that I signed ..that I cant be criminally prosecuted under the the check I issued unless proven that I dont have any intention of paying and that an extension of 60 days grace period is supposed to be given to me under our state law to settle the amount without adding any charges...tough but I think I'll be able to get out of this...I will keep u guys posted..if Im able to get out of this nightmare then I'll be willing to share it to everybody..Its a horrible nightmare.

anybody heard of payday-loan-yes? are they legal..I know AIP is not..what about the other?

Payday Loan Yes is not legal. They are a huge pain in the butt. Do a search here for Cash Net 500 and you will see a ton about them. They go by Cash Net 500, Payday Loan Yes, USA Cash Express, and Global Payday.

shelly, good to see you! If you have any other questions - just post! I see our wonderful goudah has answered your question regarding PayDayLoanYes! Thanks, goudah!

Thanks I just sent them a certified mail and I emailed them too. In my letter I told them that the fiance charges that Ive been paying them every week is causing financial hardship to my family so I got no other option than to stop otherwise I'll file for bankcruptcy. They already got too much from me . I froze my bank..nother transaction even withdrawal..just purely deposit only..two of them gonna hit me this friday so I have to call them tomorrow morning...thats payday loan and AIP..not gonna pay them, i dont think..spoke to a lawyer whos gonna help me...now its like a turn around..the lawyer wants to get money from them..LOL..

Oh, bclaymore! You're on a roll now! You have SO got to keep us posted as to how this progresses! Good for you!

OK so I signed up an agreement for T & C..My contrat with them wil be 17 months..As long as youre paying them, everything will be fine...Plus I still know the possibility of some of these PAYDAY LOANS to call me so I went ahead and call my country clerk of court and got myself a free lawyer..ofcourse I have another one from my father inlaw..but I dont wanna spend money so I have a spare lawyer for free..and yeah they will make money out of it if theyre not licensed so I dont really care I just want them out of my life...I have a storefront loan..one for me and one for my husband..They extended my husband's..I told them our emergency..I read the agreement, they cant charge us extra thats our state law...with mine, tomorrow I'll be there because I already talked to them ..I will give them a copy of my bank so they'll know theres no money in htere and infact I owe the bank 200 bucks...that way, they will give me 60 days to gather my resources..my husband and I sat down and thought of a payment plan...when he gets paid he will pay my storefront...our goal is not to hear from them starting next week...they will call me directly on my desk since they know that number but oh well, I deal with nasty people everyday..they cant kill me on the phone..Im just happy I can sleep..by the end of next month, Im hopeful i'll be debt free

b, you've got it going on! You're doing so well! You've got it all planned out. Great job! And your attitude is very positive and that's what gives you motivation! You are inspiring! Yes, you can sleep now instead of worrying. And just think, by the end of next month, you will be great! I'm so glad to hear you're doing so well! :D

u know its hard..im still woried but not as worried as before..I think about it, these PDL made our lives hell...we fight everyday, we scream at each other..sometimes I feel like hes not thinking that way I do..but he does ..its just that because of all these problem we created, we dont see and think clearly anymore..u know these site helps a lot...it made me realize hey theres a lot more people whose in a worse situation than us and actually dealing with them for more than a year

first sign that I had that we're not ok is when we're starting to get late with our bills and cant meet our needs anymore...usually we get short only for a few days and were ok when we get our paycheck,,,but the minute we borrowed from this greedy loan sharks, for 3 months it was never the same

b, that's the stress of all this causing these problems. My gosh. That's all that's on your mind when you're stuck in this pdl cycle. It's horrible. Soon, once you're out of it, things will be so much more relaxed. I know what you're going through. We all do. And, like you said, there are many, many people in the same situation. Some who have it many times worse and they are strong and working through it. This site is awesome. We can all relate to each other and understand each other since we're all living the same nightmare. You know we are here for you.

this site actually helps me a lot..I spoke to Lesley from T & C .I found about them in this site..Anyway, they faxed the paperwork to me and I mailed it to them overnight by UPS...Theres an agreement there that states youre hiring them for disbursement of the contracted payment...Ive seen others who were asking how they work..Ive read the contract...the minute you sign up for them, they will contact your creditors right away to have a settlement plan...Note that they will not pya off all your creditors right away..They will simply make it clear that this particular person cant pay you anymore for such and such reason and we're here to settle in their behalf...its take it or leave it..If your creditors call you, tell them youre in credit counseling and have a program..if they harrass you, tell them to call your atty..get it from your county clerk they will give you a number of where to call an atty for free..harrassing is a violation of the law...As long as youre in good faith and didnt intentionally wanna borrow and say goodbye to them, then youre fine...Im still worried..but like what they say when the going gets tough, the tough gets going

and for those people whos worried about getting embarrassed at work when these people call..well, this is not the perfect time to stress yourself about embarassment..the fact that we're all drown into these loan sharks is already an embarassment..talk to your bodd or HR officer..if youre so ashamed about it..tell them your information on your bank account was hacked..people are getting money from your account..that happened to us before so its possible..if u dont like that kind of reason then tell them you borrowed from a payday loan and already paid it off but surprised theyre still getting money from your account..tell them you already contacted an attorney to fix it..that way its not very embrassing

b, thanks for posting that! A lot of people ask "what happens when you sign up". Great post! Don't be worried, b. Things will get better slowly but they will get better. You've got T&C working for you now. At least you're going in the right direction. I've read good things about them. You're doing great.

im talking because were going thru all that..My husband is a department manager from a very huge company and Im a Consultant from another prestigous company..can u imagine the embarassment wemight experience..the thought of it is horrible..but hey dont act like youve done something stupid..act cool and just say, hey ignore the call, we already sued them...infact my boss answered a call from them yesterday and scream at her..dont know who it was..hes gay but hes nice,,he told the girl on the other line dont ever ever call me on company phone or they'll sue them..LOL..so u see its a matter of what you tell them...

LOL! b, I love your boss! :D

well I just signed up for T & C..The initial payment is $200..atleast thats for us..our total loan is $2100..in the contract, it will state the contracted payment..like if you owe payday-loan-yes 300, the contracted payment will be $20..that means when they reach a settlement plan, thats how much they will pay them until theyre finish paying off your account..thats how I understand it and how they explained it..I had to asked them to explain it to me very well...in return, I will pay them for 17 months..$37 per week to cover for all..their service fee is %10 of the prinicipal amount....its not that bad...put it this way, if your doubting how they work and thinking if you going to gamble $200 for this..well what do you have to lose?..youre already in debt and theres no way you can pay them by reborrowing unless you wanna deal with them on your own...I will keep on posting the outcome of T & C..good or bad I will post it here..this is the best site I think I found that people can actually relate about their financial trouble

Ok so I didnt pay them since last week. I didnt care. I called T and C..2 of them called and left a message...well I called them back and told them hey Im not gonna pay. I certified mailed everybody, report them to BBB and called the attorney general's office..I actually left them a message and told them dont call my work number..my problem is the payday loan yes..do u know where I can send them a letter..they didnt respond to my email and the BB said it doesnt exist..maybe they have another name?..pls let me know if u know their address

b, this is them:

Global Payday Loan, LLC
PO Box 572037
Murray, UT 84157-2037
Telephone: (888) 227-4638 ext. 528
Payday-Loan-Yes.com

thanks cannr...I got an email from payday loan yes stating they dont acknowledge deferred payment and cant make any settlement arrangement..so I dont know..I guess thats just too bad because I havent got anything to give anymore...I dont know about AIP, I got the certified mail response..they got it..in the letter I told them not to call me at work but guess what they called me still and one of my reference....oh well..Im sure I'll be getting a couple of calls this week..what if these PDLS wont accept T&C's offer..whats gonna happen?

b, I'm not sure. I would be sure to ask T&C. From what I've read, T&C usually gets the pdls to cooperate. But, hell, call them and ask them "what happens if one of the companies doesn't cooperate?" What's it hurt to ask? And about AIP - let me just tell you - have you filed with the BBB regarding them? Myself and others have actually gotten the situation resolved with AIP just through the BBB alone and some refunds of overpayments have been given.

well they tried calling me but I wasnt available..I called them back and got answering machine..I only owe them 200 as principal and paid 89.00 four times every week..nice profit huh...I will call them again monday

b, so you've paid AIP $356.00? Am I doing the math correctly? And was this a "verbal agreement" loan?

it is a verbal agreement..and yes I filed a complaint to BBB..and I have proof that I sent them letter because I certified mail them. They left me a message with a friendly voice though..and youre good in math I already paid them 356.00..my main problem is that payday-loan-yes..OSL and instant cash911..although Ive been paying them 3 times already...tomorrow I'll check what T & C gonna say...U see I got one store front and I read the agreement.under florida law, they cant prosecute you crminally if u cant pay, you just have to go through credit counselling..I havent defaulted on my storefront..theyre actually dependable to me and they dont charge me that much plus if theres an emergency and I cant pay on my due date, they extend me for another 2 weeks without extra charges...my main problem is this freakin pdls online...

oh by the way, I froze my own account..the only transaction allowed is deposit only..if we need money, we go to the branch and withdraw, they deactivate it because we need money and activate the hard block after we're done withdrawing..thats my agreement with my bank which is good...I told them to let it stay like that until Im out of the mess

b, good. The internet pdls can't debit your account any longer. Now, I've got an issue here. And, it's just me personally. You have already overpaid AIP and honestly would more than likely get a refund from them if you file a complaint with the BBB. And your others internet pdls - I don't believe to be licensed in your state. Have you overpaid these also? My issue is what is T&C doing with the internet pdls that you've overpaid? Are they paying them again??? Tell me if I'm misunderstanding here.

actually, I just set up an account with T&C so nothing is final yet..they havent paid anything yet since I just started..I have instant cash911..I havent paid them anything yet..OSL, and my husband got the cashspot and ez pay which he paid 4 times already amoounting to 90.00 each for a principal of 300..now those I dont know if its legal

b, okay. I'm thinking these guys are not licensed in your state. Which would make the loans illegal, so you really shouldn't be paying more than the principle amount. Your husbands $300 loan - he has already overpaid. Now, the ones you haven't paid anything on, I can see having T&C work with them regarding just the principle amount if you like. However, what about the ones you have already overpaid on? Are you going to ask T&C about that? I just can't see "negotiating" with an illegal pdl for a payment plan when you have already overpaid the principle amount.

you know what I probably wil just leave the illegal ones..first of all I filed my resignation from my job..the over all manager wanted me to stay but I have to go anyway..not because of the PDL but because im relocating to another city..so well..they can call anytime feel free.LOL..ofcourse Im leaving in a month so I have to let them call a couple of times..actually they dont call, I call them everyday..I dont know why..I develop a habit of calling them so I dont hear from them..LOL..I worked at a call center, everything is documented in the computer..figured if I call them its recorded they talked to me that day..so oh well..lol..my problem is my husband I dont want anybody calling him becuase the city im moving is where his job at...and yesh cannr, thats just tough because I dont wanna pay anymore..actaully I think AIP got shocked because when I called Im the one who demanded them to sue me because Im nt gonna pay anymore.usually pdl call to harrass you..its the other way around, i told them to sue..lol...my husband got checkngo..however, since this loans are really affecting us, I told him to includec checkn go to T&C since he already paid 4 times...was thinking why not let them work on everything we owe so we can live a peaceful life

I understand totally. With T&C handling this crap, at least all calls can be directed to them and you won't have to put up with all the stress. Let them do "the dirty work". :wink:

ok so im officially being handle by t & c..anyway, AIP called my work while was off..it was directed to my desk..I stated in my voicemail that if they need to inquire about china and crystal departmen which by the way is not my department I said pls dial..blah blah blah..can you believe that girl called another department to look for me even though she already called my desk with my personal voicemail...she was not satisfied, she looked for my boss three times..the first call she discussed my loan and all my personal stuff..she was friendly but i think she was new in her job...my boss bitched at her and told me..ofcourse i got embarassed but he knew i overpaid them already..now I called the state attorney general about them adn I sued them..they signed a certified mail..in the letter it stated dont call my work because it will jeopardize my employment..I called that lady and freaked out on her ..how can she call another department and talk about my eprsonal acitivity..she knew it was illegal..another company called my husband at work..that was different because my husband freak out on them..tolsd my husband about sherifff stuff..so my husband said hey f**k you Im waiting for your sheriff now, are you even licensed because I already being handle by t & c and I have an attorney..they hang up on him..lol

You keep going, b! You and your husband are letting them know that you are not stupid and know what's going on! And I'm glad your T&C will be kicking in. Hell, let them take the phone calls!

just dropped by to say im still breathing here..lol

Well, thank goodness for that! :wink: Hope things are going well for you!!!

yeah well I dont let them bug me....I called the attorney general and the florida financial services..they gave the number of the texas and delawares state attorney general for consumer protection so two of them can work together plus Im being handled by T & C....I dont deal with them no more

u know whats funny that ezpayday loan, emailed me saying im late..my husband and I sahred the same email..I dont owe them but it was addressed to me...so I used it against them too...

I have 4 pdl out and i'm trying to pay off at least three of them however i have not got a number for two them
us fast cash 300
amriloan 200
i also have loans with arrowhead and loan shop