Help in Arizona

Aferry, Are all of these internet and would you please list how much you borrowed and the total of how mych you have paid each company. I am gong to post your state laws so you and everyone else can look at them while posting.

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

Aferry, Have you done anything about your bank account. If not, you need to close your bank account and open a new one to keep the pdls from debiting anymore. Also be sure your account can not be forced open by the pdl's debiting your account. If you can not close your account you need to have the bank place a debit block on your account so no money can be debited out. But before you close your account you need to read the following on closing your account. This was posted by Goudah a Moderator and is very informative.


Please post the information asked for above so we can help you. I know you pm's me asking about the laws and I promise we will cover it. I have to go for a little while but will check back. In the meantime if you have any questions,please post.

DMS Marketing Loan was for $300 I have paid $2340
2 Power Funding Loan was for $200 I have paid $1620

Here are the others

Cash-advance.us (www.cash-advance.us)Loan was for 500 I have paid $950

Cash Direct Express loan was for $700 I have paid $2,094

One Click Cash Loan was for $350 I have paid $315

National Payday loan was for $300 I have paid $825

Payday Loan Yes loan was for $300 I have paid $1000

cashnetusa.com loan was for $500 I have paid 141.20

I also had United Cash Loans which I paid off two weeks ago. The loan was for $300 I paid $975. I have not done anything with my bank account because I did not want to be taken to court over closing my account or them going to my job etc.

It gets worse....this is over the course of a little over a year. I just made myself sick doing the numbers.

Cash-Advance.us I borrowed $100 PB $3069
Pay Loan Day Yes Borrowed $600 PB $2315
United Cash Loans Borrowed $300 PB $975
USA Pay Day Loan Borrowed $600 PB $1950
CA USA Borrowed $300 PB $1200
Starlightfs Borrowed $300 PB $1254
Upfront Pay Day Borrowed $300 PB $1065
Cashnet USA Borrowed $2000 PB $2437.52
One Click Cash Borrowed $650 PB $1020
Apple Pay Day Borrowed $300 PB $757.20

Wow, someone should be in to help you with this shortly. Be sure to check back about this thread.

aferry, holy crap! :shock: I had to light a cigarette on this one! It makes us all sick once we "do the numbers". Amazing, isn't it? They will take you for all they possibly can. I wish to God you had found us sooner. As you will see from the state pdl law that roxy posted, criminal action is prohibited. You would not get into trouble for closing your bank account that these plds have access to. Since you have not done so yet, your first step is to get this account closed A.S.A.P. I also see that roxy has posted information regarding closing your account. Read that (if you haven't already) and post ANY questions that you have. You need to either close this account with the assurance it will not be "forced open" due to pending pdl debits. If they can not assure you that it will not be "forced open", then you need to have a hard debit block/hard hold put on this account. If you have direct deposit, stop it now. Open another account at a different bank and have your direct deposit go to the new account. As you have now noticed, these pdls will not stop debiting your account. They will debit it for thousands over a $300 loan. Some of these pdls are not even licensed/legal to lend. Now, one of them - CashNetUSA - will be licensed/legal. However, you can contact them to make alternative payment arrangements other than debiting your bank account. If you can get your bank account closed/blocked NOW, we can help you with dealing with these pdls, okay? Can you please go to the bank and get the account straight to where NOTHING will hit it. Whether it be closed with the promise of not re-opening or blocked with the promise of nothing going through. You need to do this first. This is the main priority right now. To get your money back under your control. We can do this together. Please go to the bank and get it done. Then we can move forward. We need to get these taken care of. We can help you here.

I guess I just need some help understanding this first. How can I find out which are licensed and legal? How are people asking for refunds and can I...do they actually get the refund?

Aferry, It looks like the only one that will be licensed/legal is Cashnet. The others will not be. You can ask for a refund and you may or may not get it. Please get the bank account taken care of asap. and we will go from there.

I am going to get the bank taken care of today I hope it will be enough time since I have two coming out Friday. What exactly do I ask my bank about it not being forced open? Does anyone have the letters to send to the PDLs?

Has anyone had problems with Bank of America opening their account again once it was closed?

I had an account with BoA and no it was not forced back open, I actually spoke to someone in the fraud department and asked them to "freeze" my account due to unauthorized debits being taken from my account, they figured it was my debit card (ha ha) and completely froze my account. I have had ach debits hit and bounce back to the originating company. I do not use this account any longer and have moved to a totally different bank

I feel your pain, been there!!! I sent everyone of the payday lenders a letter stating they are not to debit my account and also, to only contact me by mail or email. If they are illegal, let them know that you know they are illegal and don't give into them. If you look at the laws of you state, it will be a big help. I contacted Cashnet and they were easy to deal with. I had a payday loan with paydayservices and figured on a $300 loan I paid $1110. At that point I became mad and decided I would not do it anymore. So don't fret, get to work and get out of the situation. People here are really helpful.

deeanne, good job, Thank you. Aferry, I will pm you the letter today. You will need to change the state information to reflect your state. If you have questions or need help just post. Be sure to send it by Usps and certified return receipt. You can also fax and/or e-mail. You will send one to each company.

Thanks everyone...I hope to get this taken care of. I dont mind paying what I borrowed but geez. Having a $300 loan and paying back almost $3 grand is a little insane.

Thanks everyone...I hope to get this taken care of. I dont mind paying what I borrowed but geez. Having a $300 loan and paying back almost $3 grand is a little insane.

That is what we are here for. If you need anything else just post.

Let me just jump in real quick. aferry, I understand roxy sent you a letter to send to your pdls. Please get your bank account to where the pdls can NOT debit it at all BEFORE sending any letters/emails to them. If they catch wind that you are even thinking of closing/blocking your account, they will be all over it. Get the bank account straightened out first, make sure your money is safe, then you can work on the letters. The bank account is your priority.

Thanks...Yes I have that in the works. I am glad I do not have alot of things that are paid automatically. I only have to change my Direct Deposit and car insurance.

Great! :D I hope they can do "something" before the pdls hit again. But I was just freaking out because you do NOT want to let the pdls know what you are doing. Wait until your money is safe and then send the letters. Because they will continue to try to hit your account even though you told them it was closed. They are relentless.

Well for the ones I have paid in full already two of them said they would refund me
USAPAYDAYLOAN $324.00
POWER FUNDING $300.00

So we will see if this actually happens.

Congratulations to you, aferry! Refunds are far and few in between! So it's "Happy Dance" time for you! :D

Im trying to do the best Eileen dance I can (from Seinfield)

I can picture it now! :lol:

Aferry Congrats!!! I am really happy for you.

Hey ALL!!! When I am writing to the BBB do I do it to my state or the state that the internet PDL is in...which is tough because they have so many address and names.

I have BoA as well and they are cooperating with me. They saw that my account had never been in the negative until this past Monday. They are actually going after the pdl company I went through and trying to get my overpayment and the overdraft fees as well. I'm sorry to that you didn't find this place sooner. I just found this place on Monday and I will tell you what. It was the best thing that could of happened to me. These people here will help you in every way they can. You just have to make sure you follow through. Take good notes and pay attention to details. You will make it through this! I just had one pdl and it was killing me. I won! They are no longer debting my account. I have a letter marked PIF and believe it or not, I'm still in good standings with that loan company, which I'll never borrow from again. You will be ok. Stick around!

BOA seem to be going through an attitude adjustment when it comes to these things. I have read good things about dealing with them on a local level. Their customer service national base is a nightmare. Here is a quote from a BOA CSR. "I decide who gets to speak with fraud and I have determined that you don't have a fraud case."

aferry, I filed with the state the pdls are in and I used the names and addresses of where I sent my letters to. It is done on line so you can type up a brief narrative in your word processing program and cut and paste it to the for for each case. That is how I did it..had to adjst a little for each one but saved me from having to retype my complaint nine times. :D

When I called BoA, the customer service person I spoke with was very sympethic and helped me out for a little while. Then when he connected me to the Fraud department, they were very helpful as well. I called the national customer service line to. I guess it just depends on who gets your call. I'm sorry Frog if you didn't get any help from them.

Stacy, based on many of the posts I have read on here,you are lucky. Many people have had problems with BOA.

I have come to realize that.