payday loan help

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

First of all some of your loans are way overpaid , while others are highly illegal, Ach and Big are not even located in the is and hold no license to lend anywhere. Is 4 money a store front loan?

It's okay that the state of Virginia will not help. You can do this on your own.

None of the companies you are dealing with are likely to be licensed anywhere.

GFSIL - Not licensed for sure
AIP - Not licensed for sure
World Wide Cash - ?
ACH loan - Pretty sure not licensed anywhere
BIG - Not licensed anywhere
Epayday loan - Not licensed anywhere
4money and more - ?

I am not sure whether 4moneyandmore.com is a store front or not. I applied for the loan over the internet and received the loan in my checking account. I have an address for them 43372 E. Florida Avenue Suite A, Hemet CA 92544 phone 951-927-1818 from the letter that was mailed to me

4money&more.com their phone number is 951-927-1818 which no one answers always a voice messaging service

They wouldn't be a storefront, since you took it out over the internet. Even if they have a storefront in CA, it wouldn't matter in this case since you are in Virginia and accessed them through the internet.

so what is my next step appreciate the posts so far

For me; World Wide Cash sent me a letter right away stating "Paid in Full". They hated I complained to the BBB. AIP sent me a refund and no letter "PIF" but assume it is...I never heard from ACHloan at all. On other threads people haven't either. I hear from Epaydayloan everyday. Via email and phone. But I usually just resend them everyday my letter to issue a refund and quit calling me. Luckily it is to my cell and I just never pick it up.

Good luck....

aya, have you sent any of these pdls a letter stating that you revoke their debit authorization, any wage assignment, not to contact you via telephone, state your pld state law, etc? If you have not done so yet, we can help you with that. You need to send these guys some letters. With luck, you might get at least some PIF's from them, and with a lot of luck, you might get some refunds. Your bank account is safe. That's the important part. We need to get some letters out to these guys and also file complaints against them with the BBB, the FTC, and your state AG. Even if they say "they might not help", file complaints anyway. You want all the documentation you can possibly have. And, I am a firm believer in filing complaints. I just figure that one day (soon) they will pay attention to all the complaints and take some action. If you need help with any of this, just post!

My request was not received in the Pine River Bank. The request was dated 6/5/08.

I spoke w/ a rep from Arrowhead and I took a loan of $250. The rep wants me to pay $110? she mentioned $50 charge and $60 goes toward paying my loan back. Does this sound right? I'm also having trouble contacting VC Funding. I now have over $-800 in my account. VC has messed my bank account. I have PNC and a rep from the bank suggested closing my account. What do you think I should do? Please help. Email me

*Note both loans were for $250. I live in N.J

[color=DarkRed]*e-mail id deleted for you privacy-Jason[/color]

Hi sweetpea, I've replied to the thread that you have started on Arrowhead & VC

Please refer to it for the replies.

I have put in for a loan on sunday the amount was for 255 I did not recieve it on my card yet

cash still not in bank,due date the july 9th, recieved the signuture e-mail 25th june

You really should contact the lender, this site is dedicated to helping people get out of debt and can't assist you with this. I would encourage you not to use ANY payday lenders, but since you have already made that choice, please contact the lender. :)

what happens if you applied for a pdl and u signed but they never put the money in you acct.

my ? is do they still take money out of you account even if you never recived the money?

cristy it depends on the pdl company, seems like once they have your account information they debit it for as long and as much as they can. You should be careful, and perhaps even place a hard debit block on it, for the meantime.

IF I CALL MY BANK.... CAN I TELL THEM NOT TO PAY ANY OF MY PAYDAYS.. LOAN OR DO I A HAVE TO CLOSE MY ACCOUNT

Closing you account would be ideal, if you can do that. Like Shazz has said, once they have access to your account numbers they will NEVER leave you alone. You will have to do whatever it takes to stop them. They will change their name, send through paper checks, etc. to continue to get whatever they can. Good luck and keep us posted.

Has anyone ever had the money taken out of their account but 4 money never even deposited it

After reading the testimonies it looks like I made a big mistake. I became ill after I received my loan. Now I don't know how I am going to pay it back with out them messing up my bank account. I received a 255.00, 45.00 financed charge totaling 300.00 pay back.

I have a small loan with this internet co.and typed the address in-now im coming up with all types of internet money co.I want to see if i can put an extension on the loan-and have it taken out on another date-what do i do-ive called and the answering machine says to go on line to this address above and leave a message for customer Service-but how if it is many companies-please help a.s.a.p.Please E-mail me with an answer-thanks

I have been reading some of the post and I am needing help like may others. I have been battling this for the past four years just to find myself deeper and deeper in debt. I have listed my current loans and the balances, many of them reflect current balances, however have been paid off multiple times and reborrowed due to state regs. Any help at all would be great.

Check-N-Go
$500.00 original loan (3rd time)
143.75 paid this time
Internet
500 FASTCASH
350.00 original loan
525.00 payments so far
internet
CashNetUSA
500.00 original loan (re-borrowed multiple times)
230.50 payments this time
Internet
Cash Central
300.00 Original ( many times)
273.75 Payments
Internet
PayDayToday Cash now
300.00 ?
Not sure they have been holding out 30.00 for the last several months. I have used them twice, Their website doesn't allow you to look at past history not sure how much borrowed or paid, but probally been close to a year with this company. Payments used to be much higher.
First Bank of Delaware
600.00 Original
568.00 paid so far
Internet

forgot to mention I live in Missouri on the above post

What state are you in?

First Bank of Delaware is and installment loan so the PDL laws do not apply to them.

Check n go will let you do an EPP, extended payment program.

Checknet USA will let you do a payment plan if you block the ACH from going through.

Not sure about Cash central, PaydayCash today or 500 fast cash as I need to know what state you are in first.

Missouri

Cash Central is legal.

I did not find Payday Cash Today or 500 Fast Cash.

Do you have anything on zip19 in Missouri

ZIP is not legal.

If they aren't legal in your state do you have to pay them back? Could they be under a different name--I know when I use them it always says northway financial on my bank draft. I have questioned 500FASTCASH about them not being legal in MO and they have quit calling me for now? Is there anything specific they need to be told?

If they are not legal you only owe them the amount you borrowed. Any fees or extention/rollover charges apply to that amount.

I have to make a decision about using PDL assistance or trying things on my own? My question is until I get things settled it will be hard setting up payment plans on the legal ones because they still want 150.00 each a month would it be more reasonable to let PDL take over they quoted me 160.00 monthly?
Thanks

Quote:

I have been reading a lot of the entries and trying to research mu current loan companies. If anyone could help with telliing me who is legal and who is not I will start getting letters sent to them. I am in the state of Missouri. Thanks!

Speedy Cash
amount $500.00
paid 625.00

Paydaydepot
amount is 300.00
payment 90.00

Panadvance
amount is 260.00
payment monthly 120.00

Loanshack
amount 250.00
payment250.00

Dollar Flash
amount 350.00
payment 210.00

Loan by phone
amount 337.50
payment 337.50

Ace cash express
amount 325.00
payment 380.25

Great Plains Specialty Finance, Inc DBA Check n go
275.00 amount
343.75 payment

Can i get arrested for not paying payday loans in louisiana

I had a loan from 4money and more back in 2008 and got a letter in the mail from collections saying that on october of 2008 I never paid them but november of 2008 I got another and paid that off on December of 2008 and got another on December 2008 and paid that off on January of 2009 now if I didn't pay the one off in october of 2008 they wouldn't have gave me two other loans untill I paid that one in October. I don't Know who they think that there dealing with but I have bank statements to prove it.