Payday Loans

first welcome,second if you could supply the following.

1)name of each pdl
2)how much borrowed from each
3)how much paid back total
4)what state are you in

do not worry a you cannot and will not be arrested for a pdl
debts are civil matters not criminal ones.again welcome,and if
you could suplly the information requested we can help here.

I am in California
I owe:
One Click cash $650...Paid $450 in finance ONLY
One Step Cash $195..Paid $305
Cash Central $390 ...paid $0
United Cash $390...paid $0
Payday One #294.10...paid $0

Hello, I am moving this to the payday loan section so it will receive more attention. :D

Cash Central & Payday One are legal companies, and you will ahve to make arrangements to repay those debts.

The other's are not operating legally in CA.

They cannot take you to jail for not paying. Lenders must be licensed by CA to lend in CA, so they are the one's breaking the law. CA's law specifially mentions internet lenders.

In fact, United Cash Loans has already been told by CA to stop lending to it's residents. See the cease & desist order at the link below:

http://www.corp.ca.gov/ENF/pdf/2006/ameriloan.pdf

That will give you some good ammunition to fight them with.

Thanks Goudah....I saw that United and One Click have both been told to stop lending, So what is my first step? Writing, calling???

Everything you want to be in writing, so you have a record of it.

yes goudah is right,get everything in writing.especially from the
illegal pdl's who will try everything unfair to try to get you to pay what they want,how they want.

So goudah, if ameriloan, One Click Cash and United Cash Loans have already been giving the C and D to residents of CA that can't be good for MNE. Maybe there's hope for other states doing the same?

are there any letter templates. I have one but it says to tell them what laws they are violating. Im not sure what to write

Other state's have issued c & d orders against pdl's . . . But it doesn't seem to phase the pdl's, as they just continue business as usual . . .

Krimefighter, you could just tell them that they are not licensed to do business in California, and that California requires them to be licensed in order to lend to its residents. Therefore, they are operating illegally in that state. Also, you could reference the cease and desist orders on the ones who have had them issued to them.