Serious problem in Tx

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Hiya and welcome to the community, we really need more information, names of each pdl, amount borrowed and paid back so far, whether they are store front or Internet. As soon as you can furnish that information, someone will be more able to assist you. :)

Ive gotten so many I'm not really sure which ones are store front or online i just know of two that are for sure stores I walk into. Here are the ones I'm not sure about. (ntp - need to pay)


Nationwide Cash 400$ ntp 520$
One click cash 300$ ntp 390$
Impact 300$ ntp 390$
Check -n- Go 620$ ntp has an arrangement
500 fast cash 300$ ntp 390$
Ambassador Funding 400$ ntp 520$
Payday loan yes loans 300$ ntp 405$
Big ACH 200$ ntp 275$
Paycheck today paycheck 300$ ntp 390$
Geneva Rothvent 400$ ntp 520$
Cashwink 400$ ntp 520$
Impact cash payday 300$ ntp 390$
Instant cash credits 400$ ntp 520$
Can Credits 300$ ntp 390$
Fast cash loans 300 ntp 390$

And the two store fronts I'm sure of are:

Ace cash express 690$ ntp 830.07
First Advantage 174$ ntp 295.40



I don't know which are which anymore. Its gotten to the point where my direct deposit check is gone before I wake up on Fridays.

Flames, for sure the two you are going to have to deal with are the store fronts. They and can take action to get their money. Do you still have your contracts? In Texas some pdls are listed as CSO ( Credit service Organizations) not pdls. It would be stated on the contract. If you could look at them and see if any have CSO or Credit Service Organization listed on them..it would help us. Some of these companies I am not familiar with. Being listed as a CSO helps the company get around the pdl laws. If the company is a pdl, the pdl must be licensed in Texas to lend in Texas otherwise they are operatign illegally. I will post your laws for you to look at...

Quote:

I can tell you that One Click, 500 Fast Cash, Paycheck Today will not be licensed or legal... I am thinking there are a couple more that will not be licensed as pdl. CHeck n Go, is that a store front, or did you do that on line...they are both and did you take out an installment loan or a pdl loan with them?

Also, is your store front, ACE Cash Express or Advance Cash Express (ACE)? This will make a difference in how you deal with them.

I'm not sure if I have the online contracts. I would have to go though all the papers and look. And it is Ace Cash Express. Its across the street from me. Check -n- go I did online and it was a Payday loan.

And is there any advice or way I could check to see if some of the online lenders are legal so I can set up a payment priority plan?

Ok... I have meetings the rest of the afternoon, I will check up on this thread this evening, and finish your leg work on the licensing if needed. once we know about the licensing we can help you figure out what your options are. Just hang in there. Roxy

Thank you so much Roxy.

Looking over a lot of these threads some of the ipdl's I got are coming from illegal places. I'm trying to get the full list of how many of these are in fact illegally ran and then how many if any are in breach of the Texas laws. With the auto payment coming right out of my account i believe some of these 300-400$ ipdl's have already been payed off. If I'm reading correctly then the illegal ones I only owe the principal like from "One Click Cash" I owe the initial 300$ and not the 390$ that they say I still owe. (Have paid 200$ so far though the auto deduction pay.) If anyone could help me with either a list or a way to look through and so I can start finding out which ones are legal and illegal it would be greatly appreciated.

Nationwide Cash Not licensed or CSO
One click cash Not licensed or CSO
Impact 300$ ntp Not licensed or CSO
Check -n- Go Legal CSo
500 fast cash Not licensed or CSO
Ambassador Funding Not licensed or CSO
Payday loan yes loans Not licensed or CSO
Big ACH Not licensed or CSO
Paycheck today paycheck Not licensed or CSO
Geneva Rothvent Not licensed or CSO
Cashwink
Impact cash payday Not licensed or CSO
Instant cash credits Not licensed or CSO
Can Credits Not licensed or CSO

Ace cash express Legal CSO
First Advantage Should be legal, but may be under another name

Wow Goudah that was really fast. Thank you so much for a timely response. I am pulling the contracts, calling my bank and pulling statements and will be calling some of these companies ASAP. Thank you again very helpful.

I've checked on most all of these companies at one time or another. :D

Check your contracts - It's possible some of the internet ones are CSO's under another name. But it will say in the contract very clearly that they are a CSO, or Credit Service Organization. But most of these companies I know are not legally operating. Cashwink is the only one I'm not sure of.

So BIG ACH, Paycheck today Paycheck, and Fast cash loans are also under that illegal section? I'm having a hard time finding my cash wink contract. The website is Cashinawink(dot)com if that will help. I'm looking over some of the contracts now as well.

Yeah, BIG Paycheck Today, & 500 Fast Cash are not legally licensed in Texas.

I will check out that site.

Cash Wink is only licensed in DE, they do not have a TX license and are not a CSO.

Okay. I'm Looking over some of these and like for Nationwide Cash. The principal was 400$. I have payed back 407$ and still have the 113$ in a last payment due Friday. If I'm reading correctly then because its an illegally done and has nothing about being a CSO anywhere on the contract I've paid the principal and do not owe them anymore money.

Yeah, that would be correct.

Well I will be going over bank statements and all of these contracts with a fine tooth comb. Thank you so much again.

No problem - Let us know if you have any other questions! :D

Thanks so much Goudah. :D

Now I have a bigger problem. Reading the bank statements the rent check bounced and i haven't gotten the notice from the complex yet. I'm expecting the eviction tomorrow. Does anyone happen to know a bank who does legal loans and works with bad credit.

I sat my son down to tell him the full situation and that I have reached out to this community for help and advice and he brought up an odd an interested point that I would like another opinion of factual thoughts on. I told him that that the majority of these pdl places were automatically taking there premium out of my paycheck on the payday that it is deposited on. He looked at me said:


"If there an illegal company not licensed to lend in the state of Texas, or for that matter the country, Isn't taking the auto-deductible from your pay check against the law or at least a breach of the FDPCA in which the bank would have to refund the amounts from the illegal store. Granted the bank doesn't know that the amounts are being paid to a lender who isn't licensed in the state / country but if you brought that to there attention wouldn't they be required to stop payment, lock the account from further withdrawals, and refund all seized amounts from the illegal companies? No doubt in my mind we would have to pay them back, but because of the circumstances wouldn't we have the option to pay back the illegal lenders at our discretion? Even at worst the Illegal lenders can't put a lean on your credit because that would be admitting they lent the money to someone when they aren't licensed to on top of making it a public record that they broke Federal and State laws by doing that."


Really looking for an answer to that question. Because if hes right or at least somewhat in the ballpark of being convincing I could get about 1300$ back and pay the legal ones or at least make payment plans and then start working on the ones that are illegal. Any info or insight on this subject would be a great help.

No, unfortunatly, the banks wouldn't be required to do anything. It's not their concern if the company is legally licensed or not, their only concern is if the charges were authorized or not.

You could dispute the charges, but if the company can prove that you authorized it, they will stick.

Also, the fdcpa is for third party collectors, it doesn't apply to the original creditor.

Isn't the ACH processor considered a third party party collector if i'm not writing the check directly to the place i borrowed from.

What about PayDayOne..anyone have experince with them??

Payday One is fairly decent to work with, I didn't have too much of a problem negotiating with them. :)

Well i try contacting the lenders and they refuse to give me a statement saying how much i still owe them or how much ive paid period. Wouldn't i be able to take some action at the bank when there not letting me know how much i owe?

Im sorry for your situation...

but why would you think your landlord would evict you for one bounced check? I would think they would at least try to give you an option to make it up.

you are sooo right! Paydayone was easy to work with. They gave me an easy 4 mo. payoff plan AND I don't start the first payment until the 22nd. I have two more pds paying off on Fri. then I will be DONE!! There is light at the end of the tunnel and boy did I learn a BIG lesson!!!

anybody know if MyPayDay.com and ThinkCash.com is a PDL

Flames, you REALLY need to work something out with your legal ones so that you can close your bank account before your next payday and stop the illegal ones from taking all of your money.

Did you give a post dated check to the store front ones? I've seen some people on these boards advise against closing your bank account before working things out with store front lenders because it's possible that you could get in greater trouble for writing a bad check. However, I've also seen others say that PDLs can't prosecute you for that. So maybe it depends on what state you are in.

But somehow you need to get that bank account closed, even if it means going back to the store fronts and explaining that you've had to close your bank account due to unauthorized activity. Maybe they will require you to replace the check with one from your new account (if you gave them a check to start with), or maybe they will be willing to make other arrangements with you.

Also, in some states, if the store fronts are members of the CFSA, they are required to offer you an EPP (extended payment plan) as long as you go in and request it at least one day before your due date. That would allow you to pay them back in four equal payments, with no extra interest added on. I don't know whether that law applies in your state.

Well They wont give me the statements to tell me how much i owe on the illegal ones so now the account is over drafted and i have nothing to do. The complex i'm at works with people with bad credit. You miss the payment they file the eviction. My only real option now is to borrow from friends while i go to the bank and dispute the 1300$ taken from my account.

TY guys soooo much. The legal ones are paid off and i have my new account and things are going smoothly for once. The illegal ones are still a problem though. I request the statement, contract, and proof of license/CSO but all they just send me more harassing letters or emails or the dreaded phone call from people who dont know anything.

i couldn't be happier flames.you are on track my friend.just know that if you owe the illegal pdl's anything and they won't play ball. :P :P :P to them.again i'm so happy for ya. :D 8)

Good job!! :D :D

My son stepped up for me so i owe him credit for that. But i dont know how much i owe each one. I know its best to pay back what i owed, but with out the statements saying how much was already paid i dont know how much to send them. Any advice on that or just send them something? My son said he called them and requested there proof of license or CSO certificate and sence then theyve kind of stopped calling and im just getting letters like "We will settle for 50% - 70% of your current debt". Im not sure if he scared them or if there just impatient.

I have another problem with these people now. Payday loan yes hired a firm and is threating to send to send the complaint to the district attorney. Can they do that or?

Debts are civil matters, not criminal. Tell them to pi$$ up a rope.

well the woman i spoke to at the firm was real intent on getting me to pay 700$ to pay a 350$ loan when 315 was already paid. The amount in the contract i was supposed to pay back was i borrowed 350 i pay back 410. But i lost the check book and on top of the pre autherized payments someone wrote hot checks. (check issue resolved) there saying i defaulted and now want 700$ more on top of the 315 already paid.

Oh and there saying because the debt is 700$ and they have a "hot check" (i never sent them a real one) that its a felony so its a criminal matter cause its a theft of over 500$. But i was told earlier that the loan wasnt legal in texas to begin with so i dont know what to call and tell this woman and shes expecting a clal by noon.

Record those calls if you can. Leverage for later. It is not a felony, it is not a prosecutable offense. Is this the OC or a 3rd party collector?

Its neither. Once i received the call i called payday loan yes. The man on the phone told me "The account is past due and a law firm bought it." The woman who called claimed to be from a law firm just stating she was going to send it to the attorney general. The man at payday loan yes told me i had to talk to them because they were no longer allowed to do anything reguarding the loan. So im not sure if you would qualify them as a 3rd party collect but its not the OC.

Sounds like a 3rd party debt collector. They are bound by the FDCPA. File complaints with the TX AG and the FTC. Do you have the phone number they are calling from or they want you to call? I'd like to see if I can find out who it is calling you so we can determine who the players are.

Phone number is 877-777-2551. The woman mumbled the name of the law firm. They called me. Left me that phone number. The woman's extension and the case number regarding the debt. i told her i wanted some info. She told me to call payday loan yes. They told me they cant release anything to call her.

I found this though

I found this though http://800notes.com/Phone.aspx/1-877-777-2551

Was it the Law Firm of OJ Lawal or 1st Integral? There are several threads about this firm here. They are a 3rd party collector and do have a surety bond posted with the TX SOS:

Principal Name: First Integral Recovery LLC # 16

Address: 9898 Bissonnet Street Suite 670
Houston, TX 77036
File Number: 20070216
Status: Active
Date Filed: 10/10/2007
Cancellation Date:
Phone:
Bonding Company: Hartford Casualty Insurance Company
Bond No: 34BSBET2067

OJ's Texas Bar number is 24004144. You can file a complaint with the Texas Bar at (800)932-1900

Thats not my case number thats one of the example case numbers i believe. I called a texas attorney and found out there a 3rd party collector who pose as a law firm as scare tactics. The broke at least 3 FDCPA laws so yes i will be filing a complaint. These people should not be getting away with this. Thank you so much for your help devil.