pay day loan relief

We can help you here. Please tell us
Who you have borrowed from
How much you have borrowed
How much you have paid back to each. Add fees and principle to get one total for each lender.
Are they store front otr internet
What state do you live in
when we get this info we can begin to help you

kash will rock your socks off helping you :D

Guest, who ever you are Thank you. I may have an idea about who you are, and I hope I am right!!!!!

I can't even pay the interest. I have 3 loans right now and I dont' know what to do.

Lynette,

What companys are you dealing with? Are they storefront or internet lenders. What state do you live in?

I have 3 loans - 2 storefronts 1 internet
I live in Wisconsin

i live in ny fromwhat i hear its illegal here i have 6 internet loans what should i do if its illegal here what do i do pay them just what i borrow no interest how do i handle them with this please help

I have several payday loans and I can not payback on their terms. I need a loan consolidation and someone to help me manage this mess. Can someone recommend a company to help. I live in Texas and have about 10 payday loans.

CAN YOU PLEASE DIRECT ME HOW TO GET OUT OF THIS CRAZY CRAZY UN HAPPY LIFESTYLE PLEASE !!!!!!!!!!!!!!!!!!

hi,
You might want to start your own thread, you will get more responses that way. When you do, please provide:

The state you live in
name if pdl company
internet or storefront
amount borrowed
amount paid back including fee's

Once we have the above info we can give you some advise on how to proceed :D

I Live in Idaho and need to get out of 4 payday loans. they total 2,200.00 and are from store front loan stations.
HELP

I have 3 pay day loans. It might not sound like much but they are taking 1/2 of my paycheck every pay day. I have used up all my extensions and now they are taking some principle and the finance charges out every pay check. I contacted one of the companies and asked if I could pay less every check .They told me no because I am paying them the minimum now. I have been reading the comments and problems others have. I live in the state of New york. The companies I am dealing with are PayDay Max, Cash Direct Express and United Cash Loan.
Cash Direct Express is funded by GECC(Delaware licensed funder) original loan was for $700.00. So far I have paid back$1462.00 in interest and$420.00 on the principle.This is one of the co.that just take the interest out every payday and after 4 sometimes 5 extensions(they call them) they started to take $70.00 for the principle and the finance charge. The principle stayed at $70.00 but every2 week the interest lowered a bit. As of 7/24/09 I still have a balance of $341.60 -$280.00is principle. I can't even pay this off because I have 2 oth er payday loans coming out of my check. This co. and United Loans operate the same way .They state that if you want to pay the loan off in full you need to notify them in writing within 3 or 4 business days before the next paydate. Unfortunately I caught myself in this vicious cycle and am stuck.United Cash loan for $300.00 so far paid $450.00in fees (interest,etc.) only $50.00 has been applied to the principle,so far. Payoff is $325.00. (which I do not have)Payday Max-$350.00 loan-will have to extend loan again on the 7th which now states payoff at$480.34. Extended this loan last paycheck for $96.36 and this next check for$65.17. The other part of my check goes for rent which has been paid late for the last 3 months because only havs 1/2 left each check. My first experience with payday loans and I really dug an impossible hole to get out of. Any suggestions? There is no savings to draw on I live paycheck to paycheck.

Rosington my god thats insane , I thought I was bad. I have 2 loans out right now , one I already paid them the full principle but of course I still owe them 160 in fees and interest to finish it off. The other one I owe 650 total with interest. I am not going to stretch that into forever , no way.

rosington, from NY also, follow as much of the helpful advice found on this site. I had united cash and i overpaid them like you have already. i sent emails to revoke ACH and declare my account PIF and also gave copies to the bank. i also told them to declare my account "do not loan". I had a few more PDL's than you but was able to take care of all of them by following advice on this site. good luck :)

United Cash Loans is an Illegal Lender. You only owe the original principal amount borrowed. Untied Cash Loans does not have a license to lend. The company is based in Miami, Oklahoma and is owned by a Native American Indian Tribe.

They are being investigated by the FTC, BBB, FBI, and the Oklahoma Regulator Division of Fiance.

*******************************************

Business Contact and Profile
Name: United Cash Loans
Phone: (800) 362-9090
Fax: (800) 475-1379
Address:
3531 P St. NW
Miami, OK 74355

Entity: Corporation
Incorporated: January 2004, NV
Employees: 100
File Open Date: December 2005
TOB Classification: Loans
BBB Accreditation: This company is not a BBB Accredited business.
Additional DBA Names: Pinion North Management



United Cash Loans is located at the same address as USFastCash, & Ameriloan. A subsequent BBB investigation determined that this address is the address for offices of the Miami Nation Indian Tribe. During its investigation of these companies, BBB employees visited the location as well as sent a certified letter to the Chief of the Tribe asking for further information regarding these companies. Employees of the Miami Nation Indian Tribe neither confirmed nor denied knowledge of the loan companies, and informed BBB staff that they would have to speak to the Miami Nation Indian Tribe's Leadership concerning the matter. BBB has not received a response from the Chief concerning this matter. At the present time, BBB does not know if these companies are operated by the Tribe, by employees or other people using the Tribe's addresses, or is a joint venture between the Tribe and a for-profit company.

The complaints against this company and others located at the same address generally allege the inability to pay off the requested loan, charges to the consumer's checking or credit card account despite never receiving the requested loan, or continued unauthorized charges to the consumer's credit card or checking account once the loan has been paid off.

BBB has determined that this company is not licensed in the state of Oklahoma to provide loans to consumers and does not appeare to be licensed in any of the states from which consumers have filed complaints with BBB. However, if the Miami Indian Tribe actually operates this business, it may not be subject to state laws regulating this industry.

BBB encourages all consumers seeking loans of any kind to research all of their options before providing any private financial information or signing any loan papers. Consumers should check with BBB on the company's grade, their complaint volume, and whether or not the company is licensed or regulated to provide the type of loan services the customer is seeking.

Additional Locations and Phone Numbers
Additional Addresses
P.O. Box 111
Miami, OK 74355

Additional Phone Numbers
Tel: (800) 230-9480
Tel: (800) 354-0602


Additional Fax Numbers
Fax: (888) 552-8446


Licensing
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Department of Consumer Credit
4545 North Lincoln Boulevard, Suite 104
Oklahoma City, OK 73105-3408
(800) 448-4904
http://www.okdocc.state.ok.us/

I live in Florida and currently have the following:
SSM Group
Summit Group
Venice Enterprises
Cash Star
Loan Shop
Ameriloan
500 FastCash
Paycheck Today

I need help on how to get them off my back. I have closed my account and all I get are Harassing phone calls at work. My Boss has gotten the many phone calls and has advised them not to call. THEY DON'T STOP!!!!! Help!

All Illegal and I see you took the first step in securing your funds, good job :wink:
Please read THIS on more information in dealing with Illegal lenders.

Thanks! You are truly a work of genius. My next question is, How do I go getting a letter of payment in full? I took this loans out in January and have paid only this finance fees, but that has added up to the principal and more.

Well read throught the link I posted. There a letters there that will help you.

Hello I just got a phone call from a girl named Angie Huey from National Credit Adjusters. She will be sending A wage assignment letter to my employer for payment. I had asked for something in writing giving them the authorization to receive payment for "Summit Group", and "Venice Enterprises". She said she was unable to do so. It was not their debt any longer. Then when I asked for something in writing with the original documentation, she was unable to provide me with that. Now at the end of our conversation I requested a written summary of our phone call and she was to email it to me. That was at 10:00am this morning, nothing since. Is this wage assignment legal? What do I tell my employer?

Wage Assignments are revokable at any time. It is not a granishemnt and is not court ordered. Just bring the letter posted below to your payroll dept. Then fax a copy to the collection agency company. NCA is a collection agency collecting for those illegal PDL companies.

Quote:

This thread is kind of old. I would suggest you start a new thread. Please list what state you are in, the names of the PDL companies and whether they are store front or internet.