Newbie in trouble
Date: Sat, 09/27/2008 - 04:54
Payday One - 720 loan - 380 paid
cash net usa - $525.00 loan - $350 paid one payment of four
ameriloan - 300 loan - 90 paid
Paycheck Today - $300 loan - 90 paid
Loan Point USA - $300 loan - 430 paid
Pay day max - 98.54 loan - 840.25 paid
Cash transfer centers - 200 loan - paid in full biweekly
Pennsylvania allow an internet based payday loan company to len
Pennsylvania allow an internet based payday loan company to lend legally as long as it is licensed in any US State. They would need to follow the laws of the state they are licensed out of, not the state the consumer is in. So, whatever state these ipdl's are located in, is the state laws you will have to follow for lenders.
Quote:
Pennsylvania State Information Legal Status: Prohibited Citation: Check cashers are specifically prohibited from making payday loans under Check Cashing Licensing Act of 1998, ???? 505(a). Otherwise, consumer discount company act applies. 7 Pa. Cons. Stat. Ann. ???? 6201 et seq. Small Loan Rate Cap $9.50 per $100 per year discount or 24% per year Where to Complain, Get Information: Regulator: Pennsylvania Department of Banking Address: Market Square Plaza, 17 N. Second Street Harrisburg PA 17101 Phone: (717) 214-8343 Fax: (717) 787-8773 Regulatory Contact: Jim Keiser Administrator of Non-Depository Institutions Regulator????????s Website |
I'm going to do some research on some of these lenders, I will t
I'm going to do some research on some of these lenders, I will try to get back with you shortly to let you know which are legal, and which aren't. You only have one of two choices if you ever wish to put a stop to this, and that is to either close the account these lenders are debiting from, or place a hard debit block on it, you will need to speak with the Branch Manager in order to place a hard debit block on your account as tellers are usually not authorized to do this. Hang tight, I'll be back asap! :)
Payday One is a legal lender, you will need to work out some sor
Payday One is a legal lender, you will need to work out some sort of payment arrangements with them.
CashNetUSA is also a legal lender.
PO Box 547
Lake Bluff, IL 60044
Voice:(888) 801-9075
ameriloan aka MTE Financial, they are NOT licensed to lend.
3531 P Street NW Miami, OK 74355
Phone 800-362-9090
paychecktoday.com- they are unlicensed and illegal
1-866-756-0600
fax at 1-800-671-0131
Cash transfer Center is illegal and based in Canada and Malta.
Cash Transfer Centers
Email: customercare(at)cashtransfercenters.com
Fax: 866-809-4069
Level 8 Suite 3
Plaza Commercial Center
Bisazza Street
Sliema SLM15, Malta
phone: 1-866-958-3278
fax: 1-866-809-4069
Loan Point USA - I think they're licensed in Utah, but I'm not sure of that, perhaps someone else will have some info on them.
1-800-351-8820 Ext: 304
1-800-351-8830 Fax
[email]kroddy@loanpointusa.com[/email]
Payday max - Also known as Credit Protection Depoti They are unlicensed/illegal.
Paydaymax
support (@) CreditProtectionDepot.com
Quote:
PayDayMax is ILLEGAL everywhere. They operate out of Canada. |
I hope the information below will help you. :) You are only obl
I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.
[quote]
What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE
What next?
AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.
File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.
Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.
Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter. :)[/quote]
Paycheck today
so are are they for real . I saw in an earlier blog that they where illegal is that true and if so where are they and what do i do ,, I am feed up with the BS .. the rude and ignorant behavior over a little mix up. I have been a good customer and this is how I get treated. Hung up on yelled and cussed at . unacceptable in my eyes. Please help
Would you happen to know if one click cash, one step cash, Arrow
Would you happen to know if one click cash, one step cash, Arrowhead, fleet lending ad the little loan shoppe are licensed in Pennsylvania. I have no idea where I can find this info and I need help :(
Internet payday loans are prohibited in PA. Click the link below
Internet payday loans are prohibited in PA. Click the link below to read your payday loan laws.
http://www.paydayloaninfo.org/state_detail.cfm?id=PA
CLICK HERE to find out how to deal with illegal lenders.