payday loan help-va

Date: Tue, 04/15/2008 - 18:54

Submitted by riotgrrrlbx
on Tue, 04/15/2008 - 18:54

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Total Replies: 3

Hi. I'm currently having a problem with rapidcashforyou.com. They without warning or notice took $519 out of my bank account, completely cleaning it out. What happened was that a payment went returned which was there fault because they tried to take it out early. They then wanted the entire amount which i didnt have which led to harassing phone calls on my job every day straight for 2 weeks.

I filed a complaint aganist them with the Texas Attorney General's office (which is the state their located in) and I received a confirmation letter last week. Now since then they tried to take 139 dollars out this past friday which wasent my draft date and yesterday they took out all my money. I'm not sure what to do. I believe they did it as retaliation for filing a complaint.

I already have 3 other payday loans out (storefront) and another online one. I just want to get out of this trap and try to get my money back. Any advice would be very much appreciated

Thanks

Virginia State Information Legal Status: Legal Citation:

Virginia State Information Legal Status: Legal Citation: Va. Code Ann. ???? 6.1-444 et seq. Loan Terms: Maximum Loan Amount: $500 Loan Term: Min: 7 days Maximum Finance Rate and Fees: 15% Finance Charge for 14-day $100 loan: $15 apr for 14-day $100 loan: 390% Debt Limits: Maximum Number of Outstanding Loans at One Time: Not Specified Rollovers Permitted: None (cannot refinance, renew, or extend) Cooling-off Period: Repayment Plan: Collection Limits: Collection Fees: $25 NSF fee; Court Costs; Reasonable Attorney's Fees (not to exceed $250) Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Virginia Bureau of Financial Institutions Address: State Corporation Commission, 1300 East Main Street, Suite 800 Post Office Box 640 Richmond VA 23218 Phone: (804) 371-9657 Fax: (804) 371-9416 Regulatory Contact: Susan E. Hancock,, Deputy Commissioner, Consumer Finance

lrhall41

Submitted by cannr on Tue, 04/15/2008 - 18:56

( Posts: 9317 | Credits: )

Hi, riot! :D I posted the VA state pdl law for us so we can se

Hi, riot! :D I posted the VA state pdl law for us so we can see it. Is rapidcashforyou.com licensed in your state? Do you know? We can check if you don't know. Now, what you can do is dispute that debit with your bank. Go to the bank asap and dispute it. They can reverse that debit off and put the money back in your account. You need to do this. I see you have storefronts and another internet, correct? Can you do this for me - list out your pdls, how much you borrowed (principle amount only), and how much you have paid back total so far to date. We'll see where you stand.

lrhall41

Submitted by cannr on Tue, 04/15/2008 - 18:59

( Posts: 9317 | Credits: )

well

store fronts
cash express-500
check into cash-400
checksmart-500

online
rapidcashforyou.com 350 (i paid back at least 360)
paydayservices.com 350 (240.00)

I'm not sure if rapidcash is licensed in va. But upon researching them, on their website they have their location listed in utah but on correspondence i received in email, it's in texas

lrhall41

Submitted by on Tue, 04/15/2008 - 20:37

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