Payday Loan Help for an Iowan

Hello there rungrlrun67, it looks like some of these loans are store fronts, would you please list which are store front loans and which (if any) are Internet loans, also, please list how much you have actually paid on each loan, and what state you reside.

Whoops, sorry, I see you are from Iowa, here are the pdl laws there:

Iowa State Information

Legal Status: Legal

Citation:
Iowa Code Ann. ???? 533D.1 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: $15: $0-$100; $10 per $100 thereafter
Finance Charge for 14-day $100 loan: $16.67
apr for 14-day $100 loan: 433%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: None (cannot repay, refinance or consolidate)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $15 NSF fee (exclusive remedy)
Criminal Action: Not Specified

Where to Complain, Get Information:
Regulator: Iowa Division of Banking
Address: 200 East Grand Avenue, Suite 300 Des Moines IA 50309
Phone: (515) 281-4014
Fax: (515) 281-4862
Regulatory Contact: Rodney Reed,, Finance Bureau Chief
Regulator Website

I'm thinking that Check 'n Go is a storefront? However, they could be an internet, as they do both. Check Into Cash is most likely a storefront. Hometown Cash Advance, probably a storefront. my cash now probably an internet. Just my guess here!

run, shazz posted your state pdl law for us all to look at. If you could please provide the information shazz requested, we can help you better!

You are right cannr my cash now is an internet pdl..I had dealings with them...they are based out of british columbia...I didn't have any issues with them..although I did pay them off in full and only dealt with them once...so I can't say they were terrible to deal with

I am dealing with MyCashNow as we speak. I have sent my letter off to them but I did get a call from them last week and so did my references. I have faxed over my letter to Credit Protection Depot, who collects for them, and who called me but I haven't heard anything since the first phone call. They have blocked me from the website and they are refusing my emails. As I have just started dealing with them I am not sure just how difficult things will get.

same here with MyCashNow--they have not blocked me from there website---BBB and others are having troubles tracking this company---I have complained to TN and NY BBB...Las Vegas may be next...they have an address in Canada!!!

The overseas ones are the toughest. And they know it. Trying to track them down is like being a bloodhound with no sense of smell! :lol:

but they sure can track you down though----

LOL! Because we gave them our information! Okay, I'm feeling pretty darn stupid right now! But you have to laugh! They told us nothing and we told them everything. Whoops! Lesson learned the hard way! The VERY hard way!

even if we change info and references they would still find us probably the illegal way since legal is stupid....lol

love. . .I am not sure if the NY BBB has anything to do with them. I think there was some discussion about them being in Grenada. I know that there is a listing for them in NY but since they are prohibited here I am not sure how that would work. Could be a drop address? They have never responded to my BBB complaint. I have been blocked from their site and emails come back as "refused". The address I used is the one in West Vancouver. Long story short, I think there are many con artists operating out of Cananda and using a US address as a front. I have had the pleasure of dealing, very innocently, with one in particular out of Connecticut but I think there are others in that State as well. So be careful. No money loss as I was smart enough to "question" this character before I did anything. Very suspicious from the get go. I had already learned my lesson with these yahoos so I knew better. I have talked with the RMCP about him and they referred me to the FBI as well. How I get myself into these situations I will never know. If you ever get a chance to check out Ripoff Report.com do so. It has a wealth of information about scammers.