what should I do now?

Luwanabeck...welcome to the forum

First of all can you please list which companies you have loans through...the amount borrowed and what you have paid. This will help other who will be here soon to help you get going and get a handle on things :)
You have come to the right spot for help and advice. Just take a deep breath, listen to the good people here and follow their advice. Soon you will feel the weight lifting off your shoulders and be able to relax again :)
Chin up and I am sure others will be here soon to advise and help :)
Also please please feel free to ask questions if you are unsure or do not understand something :)
HUGGGS

cash central=500 nothing paid,cashdirect=500/ 220 paid on roll overs,eastside=500 /250 paid,its my payday400/300paid,oneclick=400/360 paid,premier processing 250/225 paid,cashnet usa 500/250 paid,ameriloan 400/240 paid

i've been reading the advice given out to others, so i closed my account with no debits allowed,opened a new one. i put in a complaint with the pa attorney generals office but i haven't taken any of the phone calls from the pdls. i don't know what to say to them. i can't give them ANY money right now,i've had loans out with them all for over a year now. I'm on the verge of loosing my home.my husband has tried to keep us afloat but our heads are sinking.so how long can i put them off?

Is your checking account still active? And if so when are your next payments due? Im sorry I am trying very hard to look up the information on those loan places, but currently I am almost positive that at least 2 of them are illegal but still looking as I do not want to miss advise you. I will also look into your state laws and try to post them...if i can..i am still kind of new to this also :)
chin up

luwana well you answered one of my questions and at least a couple of them you can put off til you can pay them as they are illegal or not licensed. hang in there hun help will be on the way. And you are right try not to deal with them via phone..request all communication is via usps or email so you can keep a paper trail of all that is said and done.

im not sure if it's considered still active,i do know the bank will not allow no money to be taken out because i had an unauthorized debit (it was not a pdl) i let them default, the payment was due 10/19/07

Sorry my post was interupted by kitty paws :)
Your first concern here must be your family and regular bills. Food on the table, warm place to live and breathe. I am not sure how you feel about this, but you could answer calls from them 1x and tell them to cease all phone calls to your home and not to call any place of employment, but to contact you ONLY usps. That makes things a wee bit more tolerable when you dont cringe everytime the phone rings.
Just hang in there hun :) things will get better :)
HUGGS

i'm thinking that cash cental is legal,they sent a letter saying i have to pay $645 within 15 days of the letter, that will be in 3 days. they claim to be able to put a judicial suit against me( what ever that is) I talked to a debit consolidator, he said that pa only allows 2 pdls at a time (which i had 2 before any of these) he said that it appears that they were not doing there job if they gave to me , does this help me in any way ?

If cash central is a legal company it may help, that they gave you a loan even though you had others out there.I am honestly not sure. I am digging into your state laws, or rather trying to. I am hoping to get one of the more experienced persons here to help as they are better at this than I am. Please just bear with me hun I am doing the best I can to try and find information for you.
Did he by any chance give you a rundown of the PA laws concerning pdl loans other than only having 2pdls out at a time? KK just hang tough Im doing what i can do :)
HUGGS

nothing but that. i am so greatful for all your help. i haven't been able to talk to anyone about this. if any of those loans go to court and i'm found guilty of anything such as theft or fraud i'll lose my job and my state work license.

what do i do about any legal pdls?

Ok well i did some deeper digging into PA's laws regaurding payday or check advances. Did you have to write cash central a check and then they hold it? Or how did you get the loan exactly? For the legal ones you will if I am right probably have to contact them and explain what is going on and that you will or have defaulted on the loan and find a way to set up a pay plan of somesort. But this is what i found after some digging on teh PA laws ...dont know if this will help but here it is :)
Section 505. Restrictions on business of licensee.
(a) Advancement of moneys.--No licensee shall at any time cash or advance any
money on a postdated check. No check-casher licensee shall engage in the business of
transmitting money or receiving money for transmission, unless licensed under the act of
September 2, 1965 (P.L.490, No.249), referred to as the Money Transmission BusinessLicensing Law.
Section 507. Civil penalty.
Any person who is subject to the provisions of this act who violates any of the
provisions of this act shall be subject to a civil penalty levied by the department of up to
$2,000 for each violation. The civil penalty shall specifically apply to licensed and
unlicensed activity under this act. The department may also recover the cost of
investigating alleged violations.
Section 508. Criminal penalty.
It shall be a misdemeanor of the third degree for any person to operate as a check
casher without obtaining a license under section 304 or to violate section 501(a)(5) or (6)
or 503.
Section 509. Private remedy.
(a) Liability.--Any person who willfully violates any provision of this act with
respect to any consumer is liable to the consumer for an amount equal to three times any
actual damage sustained by the consumer as a result of the failure or the sum of $250,
whichever is greater.
(b) Recovery of costs.--In the case of any successful action to enforce liability under
subsection (a), the consumer shall recover from the licensee or any person subject to this
act the costs of the action, together with a reasonable attorney fee as determined by the
court.
(509 Dec. 9, 2002, P.L.1546, No.200)

first...no i did not write out a check.all but ameriloan took info online such as my banking info.... ameriloan faxed papers then i faxed them back but no check. second....do you have any idea what all that pa legal talk means?

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

Ok now that we have the laws, we need to determine the legality of the other pdl places which i am still working on.
But have no doubt even if they are illegal they will hound and harrass and threaten you til they are purple in the face and you are shook to the core. So take a deep breath again and I will get to looking up the info on your loan companies and if none of them are licensed we are on a roll to get them off your back for good :)
HUGGS

do i need to get a lawyer to handle these pdls?

At this point not yet, lets find out if they are even licensed anywhere in the usa. If they are not most of this can be handled by you with some guidence, paitence and paperwork :)
I am trying to pm for some more info ;)
We are getting there :)

it early in the morning, i need to try to get some sleep so i can go to work, i will have to sign off now. but after work i'll check in. thanks again!! i might actually be able to sleep.. PLEASE don't forget about me....

no worries hun i will not forget you...I was not forgotten in my time of need and I shall not forget you in your time of need...yes please get some rest and be assured I will keep working on this and help you as much as I can ...
Huggs from wisconsin

ok just so you know i have not forgotten you...i have sent out several pm's to track down what companies are licensed etc, but it is late and I probably wont get any answers until tomorrow..so for now I am gonna try and get some rest myself, but I will be back here tomorrow hard at it :)
Have faith we will blast away at this until you can breathe again...even believe it or not smile and laugh again :)
Huggs til the morrow

Ok I am back online and searching yet again :)
grab a cup of java and away we go swinging on the web search line lol
wow way to early here

well it appears as if cash central is licensed in UT which would make them legal in PA. I am still digging looking for the others :) Hopefully someone will answer my pm's soon so we can get the ball rolling a bit faster for you :)
Huggs

:evil: :evil: having a hard time finding one of them, but still at it

Ok I just got a pm back and help is just a hop away :) I am trying very hard hun, but want to make sure I get you all teh right info and keep you moving in the right directins :)

Ok from what i can come up with, and i will be corrected if i am wrong, but ameriloan, oneclick cash,and i believe cashnetusa are all unlicensed. I am not postive but i believe that eastside is also unlicensed anywhere.

Did you sign a wage assignment? If so I know that we will need to have you send a paper revoking any wage assignments, as well revoking the right to debit!

:lol:

Okay. In PA, PA will allow internet loans if they are licensed SOMEWHERE. If they are licensed SOMEWHERE, they will be considered legal and you will have to abide by the pdl law of the state they are licensed in. If they are not licensed, then they would be considered illegal. So, I see i2 has been helping you along here. Great! Now, let me catch up. Your bank account has a block on it, correct? Is it a block so that NOTHING can go through? Because if you just have an ACH debit block the pdls might still get through. Once they realize they can not put through an ACH debit, they will then send through an electronic check. So you need to have a TOTAL HARD DEBIT BLOCK on this account so that NOTHING goes through. If they attempt to send through a check, it will be rejected. Please check on this with your bank to make sure you are safe regarding nothing going through. And I do mean nothing. Now, I'm going to go back through and see who your plds are with. Hang on! :D

Cannr ....she has completly closed her account after reading other posts here. I am not sure if she got it so the bank won't let it reopen though.

And thank you cannr...you have no idea how happy I am to see the calvary has finally arrived :) I am so scared of telling her the wrong thing. I remember the fears and terrors at this point.
Luwanabeck...you are in super good hands now with Cannr, she was my rescuer and I have learned alot from her. Just follow her advice and all will be well ;)
I will still be here but trust me Cannr is awesome
HUGGS my friend I am glad you came here for help, these are the best of best peoples :)

Okay. You said 7 plds. I've got 8 from your post. Am I correct? I'm showing:

Cash Central
Cash Direct (is this Cash Direct Express?)
EastSide Lenders
It's My PayDay (MTE d/b/a)
One Click Cash (MTE d/b/a)
ameriloan (MTE d/b/a)
Premier Processing
CashNetUSA

I will tell you right now that CashNetUSA is licensed/legal. You will have to abide by the state pdl law for them. They will be considered legal.

I will tell you also that It's My Pay Day, One Click Cash, and Ameriloan are all d/b/a's of MTE Financial. They are unlicensed/illegal pdls. These will be considered illegal.

I don't believe EastSide is licensed anywhere; however, I've heard conflicting stories, so I'm going to check on that one just to be on the safe side.

Cash Direct Express may or may not be. I'm going to check on them also just to be on the safe side.

Cash Central - is that the full name? Do you have an actual address or phone number for them so we don't "miss" something. I can check on that one.

Premier Processing - is this the name of the pdl? If so, that's fine. It's just not ringing a bell with me. But I can check on this one also.

So far we know that 3 are definately illegal and one is definately legal.

Hang on and I'll check on the others. It'll be okay! :wink:

GECC
Cash Direct Express
300 Creek View Rd Ste 204
Newark, DE 19711

I checked and do not see them licensed in Delaware as either Cash Direct Express or GECC.

East Side Lenders
1 Commerce Center 1201 Orange St # 600
Wilmington, DE 19899

Eastside Lenders
9218 Metcalf Ave # 112
Overland Park, KS 66210

Holy crap! :shock: I am finding information on East Side as being licensed in Delaware. Here is what I have:

East Side Lenders LLC
314 East Main Street, Suite 304
Newark, Delaware 19711
License # 2001270

I'm not showing a license for the Kansas address.
However, I do show a license for Delaware. This one would then be considered licensed/legal in PA. Unfortunately.

Cash Central Ltd
13 Sioux Rd
Sherwood Park, AB T8A3Y1

Cash Central
11601 99th St
Grande Prairie, AB T8V6Z1

Cash Central
1289 Commerce St
Sparks, NV 89431

Cash Central
84 E 2400 N
North Logan, UT 84341

As you can see, I'm finding various addresses for Cash Central. I need to know which one you are dealing with so we can check to see if it's a licensed one. Any information you have on them would help out. Any address, phone number, etc. If you have anything on Cash Central, please post it. We can go from there! :wink:

Is this the Premier Processing you are dealing with?

Premier Processing Center
545 E 4500 S Ste E-110
Salt Lake City, UT 84107

I've looked in Utah's licensee database and they don't show Premier Processing. Unless they are using a different name, I am not showing them as licensed.

i2bcsi, i read how you helped this person. I have 8 pay day loans and i am wondering if you can help me also. You sounded like you really know how to deal with these things.Please tell me what you need to know and i will give you the information. thank you. I dont mean to be a problem, but i am new here, and when I see how you have helped the other person, i know you can help me too.

Guest :) Welcome to the forum...First if you register it will be easier not to lose you in the boards :) Secondly when you get registered..go to pdl help and let us know who your loans are with...internet loans or storefront, how much the initial loan was for, how much you have paid and what state you are in.
Also once you register you can pm me or I can pm you to help in anyway I can :)
I have not been here that long, but I have been through the ringer with several pdl companies, and the people here have helped me in so many ways, supported me, cheered me on and hugged when i cryed. this is the best peoples there are as far as I am concerned. I can help you get the ball rolling, but more experienced people than myself can correctly guide you through all there is :)
Hope to see you on the boards soon :)

luwanabeck....I hope that some of this is helping you. how are you doing with the pdl's. I havent heard from you back on the page just hoping all is going well.
HUGGS and CHIN UP

hello i2bcsi and cannr.. this isn't looking too good.. do the legal pdls have a reputation with working with customers with payments? i'll have to check my records, that sucks- i must have 8 pdls. cash centrals address is 84 east 2400 north, n. logan, utah 84341 so what do i do about the illegal pdls ? i'll call the legal ones...

luwanabeck...yes everything will be fine. I am sure someone will correct me if I am wrong, but my first concern would be the legal pdls. If you have aleady defaulted on them I am sure they will be in contact with you. On those perhaps you can make arrangements to pay off the princaple. The illegal companies can just hang a till you are able to pay something. Your family comes first!
I know cannr listed some of the address as far as contact information and which ones she had found as legal. As far as the actual steps to take, I will let cannr or someone with more practical experience advise you there as I dont want to tangle you up incorrectly.
huggs things are looking up :)

one of the pdls called me at work today. i told them that i need all coraspondants by usps. also i told them that they are not allowed to call me at work according to pa attorney general. they said look at the contract i electronically signed. not calling me at work is a curtisy. should i be sending letters to all my pdls about wage assignments and revoking ach debits?

lol well that is the first time I have ever heard it was a courtesy not to comply and not to call you at your place of employment...
According to what I have been informed of once you tell them they are not allowed to call you, they can not call you whereever that maybe!
Did you sign a wage assignment on any of your pdl's that you are aware of?....
I know the basics of what needs to be done, but am unsure of what order to do them in.
Cannr will be back and give you the information on next steps hun:)
Hang in there and dont let them get to you

luwanabeck, you want to do as i2bcsi said and revoke any wage assignment you may have signed and mail them to your pdl companies. It is simple, just write a letter and in the body say I revoke any and all wage assignments I may have signed with you or any of your companies. Then sign it. You can use the contact info Cannr provided. You can e-mail and fax as well as mail USPS. Anything you mail through USPS send certified return receipt to use as documentation. Once the legality of the pdl's is determined we will know who to write letters to and which letters to write. Hang in there. I know Cannr is checking the licensing for you. While she is doing that you can work on revoking the wage assignments.

Also, at this point do not take any phone calls from the ones you know are illegal. With all of them try your best to communicate with them in writing only. If they call you take notes, and not e date, time and who called. You want to communitcate in writing so you have documentation of everything.

Thanx Roxy...like i said I know what needs to be done, but was unsure what order to do them in and the last thing i want to do is steer luwana wrong.

fyi.. i got 4 emails from cash central saying that they made some mistakes on 4 prior loans they gave me..they said they charged me 486% when it should have been 366%. I'm guessing this is a trick hoping i'll fall for giving them my new account number for a refund. wqhen i call them tomarrow to try to set up a payback arrangement should i mention the so called "mistakes"? i will never give them my acct # !!

was cash central a legal one? I am sorry getting tired and havent back tracked yet. If it is a legal one let them notify you in writing and I would have that applied to whatever is owed.
Just my opinion on that.

lu, hang on, I'm back. I'm going to go back through, list which ones are licensed/legal. Those are the ones we're going to concentrate on. Okay? The illegal ones are going to sit on the back burner. They're not going anywhere. I just want to focus on the legal ones right now. And, as far as them working with you, they will HAVE to if you do not have an open/active bank account (that they know of). They will have to accept an alternative payment method or not get any money. Now as far as just paying them the principle amount, as i2 was stating. Nope. You're going to have to pay them according to the state pdl law of which they are licensed in. So I'm going to check on that also. Don't worry. It'll be okay. It's just unfortunate that you've got licenced pdls. It's sooo much easier when they're illegal! But we're going to do this. Let me list out who exactly is legal. I'll put the state pdl law for which state you will need to abide by for each one. Then we're going to work on letters to send to all of them (legal/illegal). Okay? So just hang in there. I'll do this (I'll be back once I get to work) and then we'll know exactly where we stand. Hang on! I'll be back with more information! :wink:

lu, do NOTHING regarding Cash Central yet. Nothing. Do not respond, okay? Wait until we get this all in order.

Good Morning, I am sorry that statement was misunderstood about the "princaple" I meant to pay off the balance on the legal ones. With those I know you have to pay interest, fees etc.
Sorry again about the misspoken term there. Didnt even realize I said that.