Ohio Laws

Suzuki Im from Ohio and only the storefront PDL's are legal.

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

No, that is not true. Internet based companies can and are licensed in Ohio. There are several out of state internet based companies that have Ohio licenses.

Internet loans are legal in Ohio, IF they are licensed. They are not illegal. Which lenders are you referring to? If you post the names, I can help you out. I dealt with 10 of them in Ohio. I will tell you that Cashnet USA is legal in Ohio, as well as Check N Go Online.

Just because a state pdl law states "applies to check cashiers only", do not assume that means that all internet pdls are illegal in that state. That might be what's throwing people off regarding Ohio. That is not the case.

I'm sure that is what is throwing people off.

But anyone can apply for a check casher license. They don't have to actually cash checks.

good luck, i'm in living h*ll right now too. :twisted:


http://elicense2-lookup.com.ohio.gov/SearchCriteria.asp?

i'm dealing with:

cash call (bank-backed, can sue you, legal)
payday select
paydayupfront
500 fast cash
cash transfer center

Cash Call loans SUCK! I'm sorry . . . . At least the other loans you are dealing with are not licensed legal companies . . .

OSU Fan, Payday Select is pretty easy to deal with. How much did you borrow from them and pay back so far? They were quick to settle with me for the principle once I told them I knew they were operating in OH illegally. CTC is a serious pain in the a$$ but the attorney general's office finally got them off my back. Let me know if you need help with these places. 500 Fast Cash just plain ignored me. I never got anywhere with them but they didn't harass me either.

hi sassy...payday select isnt too bad, you are right. cash transfer (in Malta) is a pain, but i got hooked up with T & C. we felt it was the right thing to do at this time, we just added some other stuff and they faxed me the contract friday. i've already told a friend about this site and she's coming to check it out too..thanks to all of you :D

CTC is a serious pain!!! I don't know if they are going to cooperate with T & C or if they will even respond to them................I don't want to be discouraging but CTC is just hard to deal with. I attempted many times to make payment arrangements with them and they wouldn't take what I had to offer, even though it was reasonable. In the end, they were contacted by the Ohio AG's office and once that happened, they marked me paid in full and I never heard from them again. Good luck, and let me know what happens with CTC. They are a crazy bunch.

Help! I have an online payday loan with pay-day-yes and I need them to stop calling me. I've already had a hard block done on my checking account. I want to try and recoup some of the money they withdrew. Took out a $350 loan with them and they have withdrawn over $800. I live in Ohio and need to know how I may go about getting some of my money back. Thanks!

You need to file complaints with the Ohio Attorney General and also the FTC. Did you send an illegal lender letter to pdy? If not, send them one explaining exactly WHY they aren't getting any more of your money and demand that they refund what you've overpaid. Refunds are hard to come by so, don't hold your breath but, be very glad that you've protected your account from further theft. :)