Pay day loan HELLLL in Maryland

Cameron, I saw another post by you..your storefronts are in DC and you are in MD correct?

For your internets..list the company, how much you borrowed from each and the total of how much you have paid to each. I will post the laws in the mean time..if Cannr has not gotten to them first :D

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

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

Here is the Payday loan laws for Washington D.C. (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

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Response on my home page

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Another response to my home page

Roxy where do i start i have been reading the boards and i see that MTE Fin Tremont Fin are there where do i start ? Im really worried about the ACE one

roxy, looks like cam might be good regarding the internet loans seeing as how pdls are prohibited in Maryland. However, the storefronts are going to be another story, since pdls are allowed in DC. Good question, though. cam, what is the status of yourbank account? Some of your storefronts may be members of the CFSA. However, if you bank account is closed, I can't say as to what kind of action ACE can take since DC pdl law does not state what kind of "criminal action" can be taken.

I was just checking that and copying the link for CFSA...CHeck n GO is the only one listed. I was just going to pm you...I was not sure what the protocol for the storefronts is...

Here is the CFSA link
http://www.cfsa.net/about_cfsa.html

Roxy / Canr I have a my jobs credit union checking account there really bad i have account conversion do to so othere thing happening in my account in 9/07 currently i have a active checking account with the same bank but the store fron pdl in dc and i live in md have the old checks im current on 2 of them but the ACE one is the one i defaulted on and the tried to cash the check should i call and make payment arrangements or give them the right account . what does that mean im ok with the internet ones because of MD can T&C help me ? if so what is that i saw on the board they have help many

I'm only showing Check n Go as a member of the CFSA also. The others aren't showing as members. And these storefronts have checks from your "old" account which is no longer active? Is that correct?

Cam, Check n Go is a member of the CFSA. Go in person, talk to the manager, and print out the link above. Because they are members of the CFSA they are REQUIRED to allow you to enter into an extended repayment plan (EPP). If they still say no, file a complaint with the CFSA. They could lose their membership. In order to invoke an EPP you must go in no later than the day before the loan is due.

no i have not closed my account but i have switch my direct deposit to another bank

Sorry Cannr...riding coat tails

Okay. As long as your account that they have checks in their hand for is not closed, I think we'll be okay. I was getting frightened for a moment because DC law does not state what kind of action they can take. So.... the storefronts in DC have checks from your old account. Okay. So if they turn them in, they would be returned NSF. Now, like roxy stated, you can go to Check n Go and invoke the EPP (extended payment plan) if you go in BEFORE the due date of your loan. You can then sign an amendment to your loan documents which allows you to pay the loan off in 4 equal payments coinciding with your pay dates. However, the others do not seem to be CFSA members. Have you made any payments to them at all on these checks?

I will go to check n go in the A.M -famous Pawn inc / dba first cash advance ( store Front) IN WDC has a check from my old closed account and so does ACE Cash express Inc in tx which is in default

Excuse me if i confuse you all of the DC store fronts have check from a closed account :( i will go to check and go in the morning about the 4 payments

cam, okay, go to Check n Go and invoke the EPP. That's going to save your butt. With these storefronts having checks from a closed account, I honestly do not know what kind of legal recourse they have, as it is not stated on DC pdl law. I hate that. If they try to turn them in and get them returned as "closed account", I honestly do not know what kind of action they can take. I would HATE for it to be ugly. Have you tried at all to contact these storefronts to see if they will take payments? You can try that route. See if there is a way they will HOLD your check and you can pay on them. That way they may not even try to turn them into the bank. I'm just concerned because I do not know what legal recourse they have if they are returned due to closed account. Have you paid nothing on them? They're due in full?

I understand no im not late on them but ace they want full payment i will try to do the same with them a payment plan and will call ace also to see what i can set up with them Now the internet ones can T & C help me

Cam, do not worry about the internet ones for nowif they do not have your bank info and can not debit your account. PDLS are prohibited in your state and you have overpaid them all. These you can handle yourself...Get the storefronts taken care of asap....We will help you with the internets next.

thank will get back to you

cam, just contact the storefronts and see what's going on. Then come on back and post and we'll help you further! :D

I have made Arrangement with ACE Whew Not good ones but they were the most pressing and ihave call Check n go that was in good standing they argeed to do the EPP How do i handle the internet ones I recived my direct deposit today onlt Tremount hit me for there moneys so i think that out the way but the other ones will default in the am

cam, keep me posted I am in DC and dealing with internet pdl's. i would love to see how your stuff turns out.

How should i handle the internet loan since im in maryland should i close my account and just handle the storefront ones

Jay , since your right across the bridge from me , how are you handle yours ? it everything working out ? has the stress level come to a medium

Cannr / Roxy I have contacted T & C they do not handle my area ' Maryland " since we have our own laws or somthing

you have to stay calm, i sent you a pm. things are not just automatic though

Cam, Do the internet pdls have your current bank information? The account information to where your paycheck goes to and where you pay your bills from?

And have you contacted First Cash and Money Today. These are your priority.

Hi Roxy Thanks for getting back to me here what i have done so far .
1 Ace cas express will not take a payment pllan what so ever he want me to pay in full 697.00 then i can take it back out same day he would release it for me them my account would be current then make payment arrangements they got me beacuse they have a bad check .2 check and go well i call about the epp they said fine when going there they advise that it would be cheaper to pay down the loan because the epp is so expensive not sure 3 no i have not contacted first cash advance/ pawn famous yet will do so now they have a bad check . 3 money today i will contact also but they do have a good check that will return nsf and they have the right account number 4 all the internet loan has the right account and the account is empty as of now so they will be returned the account is not closed I not sure how to handle these store front or should i do the epp and pay ace then take it back out there is a trapp some where what i mess i have made confused

The CFSA is a joke. I had two pdl's with storefronts and they wouldn't set me up on a EPP. They were Check N Go and Checksmart and I filed a complaint with the CFSA and got a form letter back that stated it was up to the individual corporate office of the storefront to offer EPP - it's not a given.

Yeah a joke is right but i will have to make due to clear this up Thanks

guest, did you call the corporate office of your storefronts and inquire about the CFSA and the EPP?

No i did'nt should i try that before trying to pay it down . Im just really scard since it a check

Roxy i did fax over that letter to the other internet pdls and Impact call me when i asked them not to but they said they had recived my letter and will make settlement on the princpial only Question how do i found out if theyover charge me ( well i know they did ) or should i just pay the the principal and get rid of it

i don't think i should settle for this amount what do you think

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Was the borrowed amount $350.00? And have you paid anything on it? Sorry if you've already stated this information.

Just look at the paper work yes i did barrow $350.00 so i guess thats right but why did they try to take $105.00 and $50.00 out of my checking account ? it was return today

Because pdls are nasty! Sorry, just being honest here! They will try to hit your account no matter what, for various amounts, etc. They never cease to amaze me.

To everyone living in Maryland the Maryland State Commissioner of Financial Regulation ordered MTE to cease and desist payday loan lending in the state in November 2005. To see a copy of the order paste the attached link in your browser
http://www.dllr.state.md.us/da/default.aspx?OrderID=16

It appears that MTE is violating the order which could cost them a pretty penny.