I can't seem to get this posted :( Hopefully this is now wo

Well starkitten. . .your post made it! First off, Welcome to our forum. You have come to the right source for the advice you seek. I see that you have listed your PDLs, how much borrowed, how much paid back and that all are internet, expect one? Is that correct. Looks like some have been overpaid, and others not yet. If you could please list the state that you reside in, someone will post your laws and interpret them for you, if need be. Sorry, in all the time I have been here, I am still not comfortable posting and interpreting laws. . . .there are so many and some can be tricky. I leave that aspect of the PDL world to those who know. I don't want to advise someone wrongly. Anyway, you are right. You do have some lead time to work with your bank. Closing one's account is really the only way to stop the debits but I am not sure just how the storefront plays out in that situation or if there could be ramifications of doing so. You will have your answers in no time as this board seems to be constantly viewed by the members. Hang tight. Help is on the way.

hello and welcome,first you can close your account.the storefront you can invoke the EPP(extended payment plan)but
you must go in person and before your due date.once that is done you can close your account and deal with the internet
pdl's. what state are you in?if you could answer that it would
help greatly.again welcome,and don't worry everyone here has
experienced what you are,we can help you here.

paul. . .thanks for clarifying the closing of the account and storefront thing. As I said, I am not comfortable giving advice on those aspects so I always defer to someone who knows. With so many states and laws and rules I am never sure if I am giving the right facts. I think I'll stick to advising on things I know and things that have worked for me!

never you worry,you do fine my friend.

llw, I enjoy reading your posts, you are very knowledgeable for someone who was through this a short time ago...

Thank you for the kind words. Let me tell you though, I was an absolute basket case when I came here in February. I didn't know which way to turn. These folks wouldn't let me get away with it for long. They set me on a path of self correction and once I got that bank account closed I took off like I was shot out of a cannon and I haven't stopped since! I reasearched for hours, dug and dug until I found what I was looking for and actually thanked God for the flu, as it gave me the time to do so. I applied the info I had gathered, took chances and it all paid off in the end. Now, my hope is that I can help others, the way I was helped when I thought I couldn't go any further. Never give up the fight. We have strength in unity and that is what it is all about. Someday PDLs will be distant memory for all of us. Thank you again, it's my pleasure.

I am planning to pay the storefront one when I get paid next so I didn't list it - as long as the finance fees for the others aren't taken out I will have no problem doing that. I live in Iowa.

From what I have been reading on this sites - in iowa internet pdls are illegal - is that correct? Just want to make sure I don't have any legal ones besides the storefront of course

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

the law here pertains to storefront loans in iowa correct - how do i find out if any of the internet loans are legal - i don't believe that they are in iowa...

One other thing - would it be better to put my checking account as credit only instead of ACH block? I can always go pay the storefront cash - that is what i always do anyway. I think that may be safer - I will just have to go to the bank to get cash - no big deal for me....

I just finally figured out how to register ;)

Anyone - pretty please :)

starkitten. . hang tight. I know that it is tough to wait but this post will bump you up to the top again and perhaps someone will come on the board soon to answer your questions.

I will try ;) I'm just trying to get all my ducks in a row so to speak before the 25th - I don't want to get down to crunch time. Thanks!!!

I know the waiting part is hard. You have time. Once the responses start coming in you will be amazed at what you will learn and be able to do.

Well I have to wait for a couple more checks to go through - should be all good by monday - then I can set my checking account as deposit only :)

i see you got your bank in order.good as long as the ipdl's can't
touch your money anymore.have you paid the storefront yet?
that is what i'm most concerned with.

I will when I get my paycheck on the 25th - They allow you to pick up with cash. now to figure out if all the pdls i have are illegal - I assume so, but am not sure....

bumping this up - I don't want my questions to get buried :(

bumping :) So I can't seem to find out for sure that internet pdls are illegal in my state (Iowa). Anyone?

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

Hello starkitten, I am going to do some research on some of these ipdl's and I will get back with you to let you know which are legal, and which aren't. :)

I looked up all of these pdl's and this is what I came up with, based on the information here at this website. What I did was placed the name of the company in the search box located in the upper right hand corner of this forum, then a list of topics came up made by other members who have also dealt with them. This is another good way to locate addresses, you will eventually need the addresses of these pdl's so you can send payments by money order through the mail. I'm pretty sure the information I've supplied here is accurate, however, if someone else reads this and finds it incorrect, please jump in and correct me!! If you have any other questions, please feel free to ask!

NatnlMoney Store 500
Total Paid 83.33
Don't know about this one.

Midwest 300
Total Paid 150
Don't know about this one, but I suspect they aren't licensed.

Greenlight 200
Total Paid 162.50
unlicensed/illegal

DiscountAdvances 300 (withdraws under credit portection loan_
Total Paid 105
unlicensed/illegal

Magnum_Z 300
Total Paid 270
Don't know about this one, but I suspect they aren't licensed.

SDS 300
Total Paid 270
Don't know about this one, but I suspect they aren't licensed.

Cash Advance Network 400
Total Paid 755
unlicensed/illegal

United 350
Total Paid 950
Is this Unitedcashloans? Or United Cash?

Geneva Roth 200
Total Paid 600
unlicensed/illegal

ameriloan 400
Total Paid 1180
Unlicensed/Illegal

Zip Cash 500
Total Paid 1600
Don't know about this one, but I suspect they aren't licensed.

ACC 300
Total Paid 352.50
Don't know about this one, but I suspect they aren't licensed.

Thank you!!! I found a post on here that said there are no legal ipdl in iowa so I am going to call down to the AG office and confirm if that is true. The United one I get the exact same emails from like ameriloan so I suspect they are the same company.

I also found this posted by Goudah

Yes, I believe that United Cash Loans is affiliated with MNE, as is ameriloan. So I would assume that it is UCL, not United Cash. So that loan is illegal and way overpaid.

I totally forgot about Greenpickett - does anyone know about them? I did a search on the forum and nothing came up..

Sorry starkitten, I don't know anything about that PDL. Perhaps someone will come along who does.