how do i get out from under these payday loans?

i also need(if anyone has them)please
paydayisland, impactsashus, worldwidecash, quickest-cash-advance(and phone number, and paydayservices. thank you sooooooo much :)

We can help you here. Please tell us the state you live in, the amounts borrowed, and the amounts paid back. Asre all of your loans internet or are some store front. tell us which are internet and which are store front.

i am currently in new york state. i'm not sure of the amounts i've paid back, because some of them i had paid off and renewed, because i just can't get a head of them. i think i might owe a total of about $2500. and, i am paying over $1400 amonth in payments. they are killing me

Were these loans taken out when you were in new york?
Paydayloans are not legal in New york.I also am in NY. All you are obligated to pay back is the original amount borrowed. That is why we need to see what you borrowed and what you have repaid. We will guide you from there.

I got your message. There may be nothing for you to consolidate. Again these are not legal in New york. You may already be done with them.Please take some time to figure out what you have paid. we have all been where you are now. Please let us help you.

I too am in New York State and these people on this forum have been a Godsend for me. I don't lose one minute of sleep about them any more. Just follow the advice you get on here. All will be okay.

Here is the info that was posted on my page.


thank you for your help and here is some of them.1.impactcash. borrowed$300/pd$4502.500fastcash. borrowed$300/pd$6503.paydayisland. borrowed$300/pd$3754.unitedcashloans. borrowed$300/pd$2705.worldwidecash(can't get any info)but borrowed$200/paid$4456.cashadvancenetwork. borrowed$450/pd$1357.quickest-cash-advance borrowed$250/pd$5008. paydayservices. borrowed$850/pd$530.these amounts are all what i will have paid after my payday on the 27th

OMG you have way overpaid these loans. 6503.00 for a 300.00 loan. Anyway you need to close your checking account asap so that no more money is taken. You owe only 320.00 for payday services. All the others are finished and you are due some pretty large refunds. get that account closed asap and we will then send you a letter that you can send to these crooks. Do not pay another dime. You are done except for 320.00.

kash. . omg is right. This sort of thing really makes my blood boil. How do these PDLer's sleep at night? There should be an uprising in this country over this. If people ONLY knew. . . .

Well, I do believe that through this site we are educationg lots of people. Hopefully the word will get out to more and more people NOT to use payday loans.

so i guess what i have to do first is go into the bank and fill out some ACH form listing the payday loan companies. it's supposed to stop them from taking the money. then maybe i'll be able to close my account. unfortunately it's too late for tomorrow. they are going to take my money. :( it realy makes me feel like i'm losing my mind. hopefully i'm headed in the right direction. what if i stop my direct deposit. would that work?

if anyone needs it, paydayisland did sent their address to me. it is.....po box 150629 ogden, utah 84415-0629

ach form?you go talk to the manager.get your account put on deposits only,or a hard block.these pdl's will debit under diff names,diff amounts,and even submit an electronic check.get that account blocked.

ok. i'll try that tomorrow after work or friday morning. but, what about my debit card? will that prevent me from using that?

i answered your message but i am leaving for the evening.so check out my page my reply will be there.have a good evening.

biotch, kash can help you a lot seeing as how she is also in New York. You have been robbed by these pdls. Absolutely robbed. My heart is breaking reading the amounts they have debited from your account. As paul stated, you need to go to your bank, the branch you opened your account at, speak only to the manager. Get a hard debit block put on that account ASAP. As paul stated, nothing will go through. Yes, that means your debit card, your checks, etc. However, this NEEDS to be done. You need to end this madness of these illegal companies! If you have just a few extra bucks, go to a completely different bank and open a new account. This way you will have a "working" bank account. Get that direct deposit routed to the new account ASAP. Get that existing account blocked ASAP. They can do this with a couple of clicks of the keyboard. Done in two seconds. You might have to be firm with them; however, do whatever it takes to get this blocked now. You can't "stop payment" on pdls. Nope. As paul said, they will change names, change amounts, change dates, send through electronic checks, etc. They will stop at nothing if the account is open/active. Please, please get the bank account taken care of. I can not believe how much these pdls have taken from you. My heart goes out to you.

i need to know where to go from here. i went to the bank today and they put a full restriction on my checking account. and, even labeled it as fraud. they are aware that there are a lot of "scam" out there. i'm already starting to feel better. what do i do next. is there a form to send these crooks. thank you for all your help so far :)

I will pm you a letter that you can send. You will need to doctor it uo to fit your specific needs. Let me know when you get it.

i will, and thanks :)

i got it. but where do i get the states laws?

it should be in you message box. I sent it.

Here are your state laws to insert into the letter.
New York State Information

Legal Status: Prohibited

Citation:
Licensed lender law applies but interest rate is that agreed to by contract. N.Y. Banking Law ???? 340 et seq. A check casher licensee cannot make loans nor cash or advance any moneys on a post dated check unless it is a payroll check. N.Y. Banking Law ???? 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code ???? 190.40.

Small Loan Rate Cap
25% per year

Where to Complain, Get Information:
Regulator: New York State Banking Department
Address: One State Street New York NY 10004
Phone: 1-877-BANK-NYS
Fax:
Regulatory Contact: Regina A. Stone Deputy Superintendent
Regulator????????s Website
Complaint Form
Complaint Instructions
Online Resources:
Consumer Help and Information ???????? Informational Brochures

thank you. i've got all the e-mails out. we'll see what happens. i've also requested refunds on the over payments(i won't hold my breathe) but, the overpayments don't even include he past loans that i've had in the past and probably have paid thousands of dollars.

i received this e-mail from impact cash this evening. i hope the rest go the same way. thanks to kash, paul, andeveryone here who has helped me this far.

I am writing you in regards to the email that we received concerning
the
legality of our loans in the state of New York. We will consider your
loan paid in full that you have with our company and you do not owe us
any further money. As you mentioned in your email that you would like
a
payment mailing address for our company and that is; Impact Cash USA
PO Box 3206
Logan, UT 84323

--
Thanks,

Dan N.
Impact Cash
1-800-707-0102 ext. 1033
Monday-Friday, 8-5pm (MST)
dnoack(at)impactpayments.com

biotch, this is great news! Congratulations on your PIF!! :D

That is wonderful. I knew you could do it. Keep us posted , and if you need anything , just ask.

believe me i won't be hesitant to ask. thank you so much for your help this far! i really appreciate it.

You are very welcome. Please post if we can do anything for you,You are doing a great job.

cannr, thank you for your support too. no word yet from any of the others. i gotta be patient. this site has been a godsend so far.

biotch. . .glad to hear about your PIF! That's great news. Like Kash has said at leat a million times, and I do believe it to be true, being in New York is a Godsend as far as these guys go. I think that it is what has saved me with the 3 PDLs that I have closed/settled. The other two have "gone missing" and I am not about to try and find them any time soon. For now, I go about my business while they are are becoming a distant memory. Keep up the good work.

thanks, llw it is great news!

we'll see what happens monday. but, so far heard nothing from the others, but, hey maybe "no news is good news."

Just know that if and when you hear from them, that all they can do is make idle threats. We are all here to support you. Keep up the great work.

kash. . .thanks for the kind words. I am amazed how smoothly it has gone with ameriloan, my cash now and Pay Day Max. Now, if I could just get the "other" two out of my hair, I would be living on easy street.

hope everyone had a great weekend. well monday is here. haven't heard anything yet from the other 7 pdls. hopefully i won', but it's kinda nerve racking. but, patience is a virtue, right?

At this point, it is all a waiting game. Just know that when they call, all they can do is threaten. They cannot harm you in any way.

i'm going to be moving within a couple months, across town. do i have to inform them of my new address if they don't contact me by the date that i gave them in my letter?

Want my opinion....I would give them nothing. Hopefully they will tire themselves out trying to find you.

that's what i was thinking, thanks, lol :)

ONE OF THE COMPANIES SENT ME A LETTER UNDER A DIFFERENT NAME, IMAGINE THAT. yeah, i don't know which one sent it, but it came from the infamous MTE financial. what do i do with that one?

Did it have a phone number? I don't like talking with these people but that may be the only way you find out just who it is for. Maybe you could punch it in to the search engine above and see what, if anything, it comes back to.

i sent this e-mail to MTE. do you think that's ok? their phone # didn't work(surprise)

i'm not sure what payday loan company you are affiliated with. however i sent a letter to your affiliate in regards to new york state laws about your paydayloans, as well as money that may be due to me. i never took out a payday loan with MTE, so therefore, i cannot correspond to MTE in regards to the payday loan, due to legal matters that i am pursuing. thank you for your time

bio...it sounds like you have asked for what you are looking for and also let them know where they stand. Hopefully they will respond and you will know what you are dealing with. Good luck and keep us posted.

biotch, they sent you a letter in the mail? Or a letter on email? Was it from MTE FINANCIAL? It didn't state another name (one of their d/b/a's), just MTE FINANCIAL?

yeah they sent me an e-mail. but, i know they are trying to collect for one of the loans that i have.

here is the response i got from worldwidecashnow. YES!! 2 DOWN 6 TO GO!

I received your e-mail that you sent on 3/28/08. We will no longer debit your account. I also noticed that you want a refund. Since our company is based in the UK I have forwarded all your information. However, since it is in the UK , I will ask you to be patient. You will receive a letter; but, since it must go through 2 post offices ( UK & US) it could take about 10-14 days to reach you. The address we have on file is: (address removed for your safety. cannr) . If this is incorrect, please let me know as soon as possible.



Once you have received your letter with the outcome of your request, please contact me. If you have any questions in the meantime, please don????????t hesitate to contact me.



Regards,



Janet Copriviza

janet(at)worldwidecashnow.com

1-800-440-5869 Ext-302

1-800-454-6328 Fax

biotch! This is AWESOME! Way to go! :D

thanks cannr. i didn't even think about my address being there, because i was so excited. thanks for blocking it, i really appreciate it

biotch5869, as I am reading the information you gave Kashzan, I am under the understanding the the breakdown is like this: Impactcash $300/paid $450;500Fastcash $300/pd 650;paydayisland $300/pd 375;United $300/pd 270;Worldwide $200/pd 445;cashadvance network 450/pd 135;quickest cash 250/pd500;paydayservices 850/pd 530 Pls advise if this is correct! You have overpaid on some of them a lot.

spanish eyes, yes that is correct. but, luckily i have really found the support i needed and was looking for here. :)