Has anybody been taking to court by ACE Cash express in MD

DO NOT ever be afraid of any of these PDL"s taking you to court. If that were to happen the first thing they would have to produce is thier licensing to practice in YOUR state and believe me they don't have it. That is a tactic they use to intimidate you. The simplest thing to do is change your bank account number to a different account. That way even though they have your SSN thay still cannot get access to your new account.

Unless it's GR. To bad we can't figure out how they do it. As for the rest of these yahoo PDLer's they are all blowing smoke. I can't wait, for the other shoe to drop and they all get sucked into a big black hole out there somewhere. Chin up. All will be okay. Go back and read some of my posts about a month ago, I too was scared to death. Now, I could care less about them. I'd like to see them try to explain the whys and wherefores of exactly what we are doing in court. I still have four that I am duking it out with and I really don't give them the time of day, except for when I read and/or post on here. Smile, you're not alone.

This is a store front pdl

sorry buot the post. . . again, I forgot to sign in. Some who knows more about this will be along to help you out. As they are illegal in my state, all of mine are internet. I think the scenarios are different. Still, chin up and hang in there.

Yes, this is a STOREFRONT pdl. Before giving advice regarding closing/changing bank accounts, we need to have ALL information. Not all pdls are internet. The storefronts have a physical check in their hand from the person. We would need to check on the laws to see what kind of action can be taken, as some states do allow criminal prosecution! So, before giving advice regarding bank accounts, please, please make sure all the necessary information is on the post. Now, I'm going to post the state pdl law for DC, since this is where the pdl check was written and is in the possession of the storefront. We can see what it says regarding criminal action.

D.C. State Information

Legal Status: Legal (Applies to check cashers only)

Citation:
D.C. Code Ann. ???? 26-301 et seq.

Loan Terms:
Maximum Loan Amount: $1000
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 10% of face amount + fee of $5: $0- $250; $10: $251-$500; $15: $501- $750; $20:$751-$1000
Finance Charge for 14-day $100 loan: $16.10
apr for 14-day $100 loan: 419%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: Not Specified
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: Not Specified
Criminal Action: Not Specified

Where to Complain, Get Information:
Regulator: D.C. Department of Insurance, Securities and Banking
Address: 810 First Street, NE, Suite 701 Washington DC 20002
Phone: (202) 727- 8000
Fax: (202) 535-1197
Regulatory Contact: Howard Amer,, Director, Banking Bureau

Perfect example. Where is says "criminal action" is says "not specified". So.... we don't know what can happen. ACE, from what I've read, are hard a$$e$. They might well not be "lying" about taking someone to court for a bad check. With it being "not specified", we need to tread carefully here. Some storefronts will just send it to collections; however, they obviously have the right to take it to court. My advise? Call the storefront, speak to the manager, and ask for a payment plan. If they refuse, ask them what steps they are going to take since you are unable to pay it in full. If you don't get anywhere with the storefront manager, call the corporate office. Ask them what steps they take regarding defaulted loans.