Loan Point USA or Geneva Roth Ventures

Hi jsf03,
Geneva Roth will keep debiting you account forever, I had a loan with them that I had overpaid by about $800. The first thing to do would be to secure your account so they can no longer access your funds. I'm not positive, but I believe they are illegal. Once your account is secure, you want to send them a letter revoking your authorization to debit your account and any wage assignements you may have signed. You will also want to file a complaint with the BBB, FTC & attorney general for OH.
I was able to settle with them through the BBB, I was hoping for a refund, but ended up with a PIF, so I was happy.

I am posting your laws for OH:
Ohio State Information

Legal Status: Legal (Applies to check cashers only)

Citation:
Ohio Rev. Code Ann. ???????? 1315.35 et seq.

Loan Terms:
Maximum Loan Amount: $800
Loan Term: Max: 6 months
Maximum Finance Rate and Fees: $10/$100 + 5% per month
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 refinance)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: Bank charges (if disclosed); $20 collection charge; Court Costs; damages
Criminal Action: Not Specified

Where to Complain, Get Information:
Regulator: Ohio Division of Financial Institutions
Address: 77 South High Street, 21st Floor Columbus OH 43215
Phone: (614) 728-8400
Fax:
Regulatory Contact: Robert M. Grieser,, Deputy Superintendent for Consumer Finance

Someone with a little more experience should be along to help as well.

I did LoanPointUsa and calculated the math to know how quickly I could pay it off due to my biweekly checks. I did have to pay alot since it took one more paycheck. I don't seem to have any trouble since it got paid and all fees incurred where handled.