what should I do now?

why should i do nothing about cash central, it is a legal one. will they still work with me if i don't respond within the 15 days of the letter?

lu, I just meant don't do anything at that exact moment. I did not mean to not contact them at all. I want to go over all your stuff. Also, I would also like to know about these emails that you've received. Did they state they they overcharged you and the overcharged amount is going towards the balance of the loan? Or what did they say regarding their "error"?

lu, I checked the licensee database for Utah and I am not showing Cash Central as a licensed lender. However, I'm going to pm another member and get a second opinion on this one. I want to be sure of this one. Hang on. I am working on this. I promise.

THANKS i'll wait to here from you

Sorry, lu. I do not like to give out incorrect information. So.. here's where stand.

Cash Central is indeed licensed in Utah. Threw me off because they are licensed under:

Direct Financial Solutions/Cash Central
84 E 2400 N
North Logan, UT 84341

I'm going to list for you which ones are legal (and there are only three) and what states you will have to follow the pdl law for on them.

LICENSED/LEGAL FOR LUWANABECK:

Cash Central - Utah state
Eastside Lenders - Delaware state
CashNetUSA - Nevada state

Do you need for me to post the state laws for these particular states so you can see if they are indeed following the laws of the state they're supposed to? I can do this if you like.

well i called cash central they are willing to let me make two western union payments of 322.50 each....and east side lenders called me at WORK agaian... they said they will let me have 5 payments to pay off $800...the thing is my loan was 500..the fee 125 and returned from bank fee 2x. but the said since the 125 they tried to withdrawl was not received they had to add that on to the amount i owe.....that doesn't seem right does it ? i told them i will call them back after i figure out what to do. I haven't talked to cashnet usa yet i'll deal with them tomorrow.. can you post me the state laws for them please..

i read those emails over a bit better... they say that i wasn't charged any more than i should have been so much for any credit ....

Here is Delaware state law for Eastside Lenders.

Delaware State Information

Legal Status: Permitted under small loan act or licensing law - Legal

Citation:
Del. Code Ann. tit. 5 ???? 2227 et seq.; Del. Code. Ann. tit. 5 ???? 2744

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 60 days
Maximum Finance Rate and Fees: Not Specified
Finance Charge for 14-day $100 loan: No Limit
apr for 14-day $100 loan: No Limit

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified ($1000 aggregate loans outstanding to all licensees)
Rollovers Permitted: Four (rollovers)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees:
Criminal Action:

Where to Complain, Get Information:
Regulator: Delaware Office of the State Bank Commissioner
Address: 555 E. Loockerman Street Suite 210 Dover DE 19901
Phone: (302) 739-4235
Fax: (302) 739-3609
Regulatory Contact: , Administrator, Non-Depository Institutions and

Here is the Payday loan laws for Utah (just select your state),

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

Here is Nevada state pdl law for CashNetUSA.

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

lu, as you can see, this is why the pdls are in these states. The pdl laws are so lax. They can pretty much get away with anything unfortunately. :x

I have made arrangements with the legal pdls. can you please tell me what to do about the 5 illegal ones. there is no way i can pay anything for awhile

lu, catch me up here. Your bank account is closed/blocked so they can no longer debit your account? No one can debit it? I need to be clear on the bank account and then we're going to send some letters to your wonderful illegal companies. I need to be sure of your bank account situation. I'm sorry. I'm getting ready to leave work, so I can't read through everything right now. Post as to the bank thing and when I get home, I'll log back on and we'll go from there! Great progress though, lu! You've got arrangements with the legal ones! We can deal with the illegal ones! I'll be back!

yes my account is closed/blocked for any debits.. only deposits can be made because we had to wait for some $ to be put back in that was not authorized to be taken out..the bank never did say how long before it is completely closed.

the bank said if i "closed" my account if anything tried to go through it would automatically reopen the account. so the safest way to prevent ach debits is to put a "withdrawl block " on it and open a new account. so if i change the status to "closed" the pdl's could ach that account and put it into the negative.

lu, okay. Your bank account should be fine then. If the illegal pdls attempt to debit your account, the debits will be rejected. So..... we can send your illegal pdls a letter stating that you revoke debit authorization, revoke any wage assignment, tell them to contact you via email/USPS only, etc. Do you need an "example" letter to send to them?

yes pleasse ! that would be great.. also how do i get the point across to the pdls that they CAN NOT call me at work? cash direct express called me at work today i told the girl i can not have them calling me at work, she said "yes we can" this is an attempt to collect a debit and the calls will continue! I started to tell her that i put a complaint into the pa a.g. and she hung up on me before i could finish.

lu, God love Cash Direct.... Lordy. I've dealt with them. Now, I did get my point across to them via email regarding calling me. Each time they would call, I would email and tell them not to contact me via telephone and only to contact me via email or USPS. They did abide by that once they figured out I wouldn't take their calls anymore. You can email the hell out of them until it "clicks" in their head. I did this with all my pdls. Every time they would call, I would send an email stating not to contact me via telephone. Sometimes up to 4 times a day I would send those emails. They finally caught on. Do you know how to use the pm system? So we can pm each other messages? I can send you a letter to send to your nasty pdls. It does include in it not to contact you via telephone.

no i do not know how to use the pm,if you can tell me a little about it i can figure it out. thank you SO much!!!!!!!!

lu, sorry it took me so long to get back! Do you still need to figure out the pm feature? Underneath my post you will see a little "button" with two people on it that says "pm". Click on that. It'll go to a page that you can type a message and it'll come directly to me. Once I get the message, I can reply to it, make sure you know how to get the message, and we can get rolling! :D

cannr, i attempted a pm, will you let me know if you got it.... i would really like to get those letters.

lu, I just got a pm from you. I have responded with a copy of the letter for you to use. Let me know if you have received it. If you have problems receiving it, let me know. Just look over to the side of your screen underneath where it says 'CHAT'. It'll say You Have 1 Message. Click on that. Your message should come up. Let me know if you got it okay. :wink:

cannr I received your pm/letter... it's great.. THANK YOU SO MUCH.. you have been wonderful !! i'll let you know how they respond/react. again thank you.

lu, you don't know how so very welcome you are! :D If you need ANYTHING at all, ANYTHING, just let us know! We are here for you all the way, my friend!

I have been getting nasty phone calls from 2 pay day laons that I ended up defaulting on I got sick an tired of paying just the interest, I kept one of them in good standing and I am trying to get that paid off , then my intentions were to work on the other ones, but now out of the blue I got a very nasty phone cal Fri after noon, telling me that I had some kinde of court hearing at 1130 an I was ging to be prosocuited unless today I mad a pyent for at least half of my outstanding bill and it was more than I borrowed, 177 more I only borred 350 and I had already made 3 interst payments of 105, and he was yelling at me, I asked him whom he was an what co he was supposily from an he told me don't I know about what is going on an I said no this was the first time I never got any letters by us mail, and he would not tell me the co name he just stated the mother co was clickncash.com and I said well I want to know the co name who I supposily got the loan thrustar cah or sighnmyloan he would not tell me an then he kept putting me on hold an it would disconnect an then he call back yelling at me that I hung up on him an I said well I did not and I had no number to call him back cause every time he would callme it would come up unkown, so he gave me this number 281-404-2057 so I ened up calling this werido back after I got the pre paid visa card, and when I called back they anted me to fax this letter over to this mr oconnor to give him auherization in taking the 1'2 payment off that card an I was to authorize the remanding on the 8th of june, and these people had a forgeion accept it was very noisy, and the 4 times I called back it sounded like the same guy just gving differnt names to whom he was, I heard many voices in the back round and they kept putting me on hold then he came back on and said he'd call right back for the info, and I had to faz the letter over to them now, an he hung up and when he called back I did not answer it an he left a mesg saying that our connection was bad an he wanted to call back so he could hear me, these people talked very fast an were hard to understand, and when I called back very very late at night after midnight to see who answered no one did an answering mech and it did not eve say cooper's law firm like the guy said it was, it just said leave youe name an number and they called me up till 1030pm.
then I decided to call back and leave a messg, after I looked up the clickncash site, I left them a mesg to call me Monday morn about this matter that some co called saying I got a loan from them and they were prociting me Monday morning some where they guy would not tell me where but if I paid half of what I owed then I would not be prosocuited Monday morn,and I told click n cash to please call me if they could tell me what co I borrowed from starcash or SighnMyloan.com and I can pay someting but not everything at once, they are based out of ontairo canida,so I left a messg to this guy who called me and telling him that I contacted clik n cash myself and they are going to call me back Monday morn since I talked to a rep an she was not in that dept that she would have the collections contact me Monday morn about this matter, so I do not want another threating phone call from him, and I decided he may be scamming me from my name on some public default list they get a hold of to scam people and I told him about if I pay this money how would I know I was made good on my loan an that I wanted a letter and he would not answer me, so I left this mesg telling him all that, and do you know today late this after noon, I got 3 phone calls from an unkown # but no messgs were left on my phone this time.
If any one has any info on either of these payday loan co.'s and let me know if they can seize my bank accoun I put a stop payment on my account from thier ACH withdrawls at the end of March so they could not get into my account anymore, and they do not have any copies of my checks, they just had account numbers an routing numbers so they could do the ACH withdrawls, and every time they have tried to hit my account my bank automaticly will block them for a yr, then I have to renew my stop payment to them, so if anyne can help me in knowing more about these co's and let me know if they can seize my account and steel money out of it, I recently got badly injured at my place of work I had been there 21 yrs and I am no longer working there they just recently ritired me under perm dissabitly so I will start to get my dissabilty reitrement checks the first of june so I am no longer on my employers payroll, what can they do to me legally? thanks for reading my concerns.

Hi every one my earlier post was my first one and I am not even sure if I posted it correctly, I am sorry if I interuppted anyone's converstaion, I was just loking for some guidence. thanks.

Internet payday lenders are prohibited in the state of PA, I am assuming that is the state you are in? See the link below to read your payday loan laws:
http://www.paydayloaninfo.org/stateinfo/PA.asp
CLICK HERE to find out how to deal with unlicensed lenders.