need help getting away from pdl

what state were you in when you received the four before florida?

You could check out PDL Assistance. They are the only other PDL settlement company out there.

Welcome to the forum. What state were you in previously and also how much have you paid back to each PDL? I really don't know a great deal about PDL's most I know is what I've learnt from here. I am not sure how you would get out of it besides changing your bank account. But maybe someone else who knows more about this can help you.


Johnita

Doesn't T & C help with this?
I looked into Langhorne but I didn't like them. Turns out it's a lot cheaper to do it yourself. If your up to it, this board offers great advice to fixing this yourself. keep in mind that places like Langhorne do require you to close your account and stuff anyway, so it's not like the methods are really that different..

bea. . I'm with you on the Langhorne thing. They were pretty rude to me because I wanted to take my time and review the info. They called back and told me I was wasting their time by not signing on. AND it was going to cost me way more than I was willing to spend. I have cleared all 5 for less than what I originally borrowed and in 3 months. There is hope out there. Follow the good advice on this board and you will be okay.

i came from ohio but i did not have any payday loans there. i did not start with them until i moved to st petersbrug, fl. i could not make ends meet here in florida,with 4 kids so i resulted to payday loans.
checksmart i have been with them since 2000 and pay them off faithfully every two weeks except this past pay i did not have enough money, had to pay rent.
paydayone- i have paid off everal times but i would borrow more each time. after i borrowed from the the third time i was able to pay just the intrest which was 79.00 i have done that for the past 3 months and then i adv the loan to cover the 500 i originally borrowed and so now i am up to 800.00. cash transfer i have been paying them off every two weeks. and i have to reloan to pay payday one and pay check smart. and now to pay this platium b company. i am always late on paying rent and an car payments this has gotten to big for me. i have gotten out before and jsut changed ph numbers an bank accounts. an i never heard from the comapanies again. but now i am ready to close my account again because i can not keep doing this. i help to out from under this. there next pay out is the 23rd. i need to clsoe my account before then, i think

i will post the laws for your state. Let us know how much each loan was for and exactly how much you have repaid so far to each in total. We can help you here.

Florida State Information

Legal Status: Legal

Citation:
Fl. Stat. Ann. ???? 560.401 et seq.; Rule 69V-560.901-912

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
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: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes

Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
Regulatory Contact: ,
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link

Online Resources:
Deferred Presentment Providers Information Page

PayDay1-700.00 +161.00 roll over 79.00 total 861.00
cashtransfer centers 700.00+ 189.00 -889.00 is what is owed, i do not allow roll over only pay in full.
Platinum B. Services/SJM Marketing 250.00 +75.00 new just got on monday. no payments yet
and my store front is:
Checksmarts 500.00+ 51.00. pay in full- 551.00

treble damages usually means 3 times the legal amount

It is tripling of damages by certain state statute,which vary by state.It applies in certain cases like not making good on a bad check or intentionall refusing to pay rent. Treble damages are intented to punish the guilty party and discourage others from similar behaviour

can some one tell me about this c an d letter an how i can get a copy of it. i also have an acct with payday one i was reading another thread that the person was dealing with paydayone. and i was wondering how i could deal with them. likethe person on that thread i am worried to i am a single mom with 4 kids and tring to make ends meet. but digging a bigger hole then what i was already in. anyone pls advise