Illegal/unlicensed internet pdls

In case of illegal payday loan companies you can follow the following: -
[quote]In order to stop them from debiting excess money, above your principle amount, you can follow the following steps: -

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with the exception of THINK CASH all of your loans are illegal.therefore if you could provide the following.

how much borrowed from each.
how much paid back to each include rollovers and fees

if a pdl is illegal in your state.you only owe the principle borrowed.any fees or rollovers go towards the loan.please provide the information requested.

how do i file complaints with the FTC & BBB?

Discountadvances.com--Borrowed: $200 paid back: $0
One Click Cash--Borrowed $200 (say i owe $350) paid back: $0
Greenlight Funding-Borrowed $200 (say i owe $310)paidback$0
Cash Supply--Borrowed $350 (say I owe $620) paid back: $0
Think Cash--borrowed $250(say i owe 359.34) paid back$44.20
Paradise Cash Advance--cannot find out how much i borrowed. they do not respond to emails, voicemails, telephone calls. i have paid back $0.

Mrs. Diaz
I respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan it would have behooved you to read the complete contract you were agreeing to. You are a citizen of the state of California, however the contract was not made in the state of California. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature is based in the isle and providence of Nevis West Indies Bahamas. When you spoke with Michelle Hubbard on 10/03/2008 at 10:03am CST, she clearly outlined how the loan works and what the finance charges were, yet you still accepted the loan.
With all the information at hand I am still willing to work out arrangements for the principal that is still owed on your account. We will cease debiting the finance charges of $75, however the account will not be marked ???????Paid In Full??????? until the principal amount of $300.00 has been satisfied. You may contact our offices 8am-5pm CST Monday-Friday. Our toll free phone # is 1-866-321-6114. You must contact Nikki with our Collections Department at extension 141 as soon as possible. If no contact is made within a reasonable time the account will be sent to a third party collection agency.
If you have any questions do not hesitate to call or email.
Thank you,
Dustin A. Dernier
International Equites Group, LLC
Paradise Cash Advance
O: (866)-321-6114 x 136
F: (866)-287-9563
[email]dustin@paradisecashadvance.com[/email]

Paradise Cash finally responded once I sent that letter now what do i do?? HELP! =(

except for THINK CASH you only owe what you borrowed that's it.you can fileAG,FTC and BBB complaints online or by usps.just know that these places had no business lending you money,so you only owe what you borrowed.i would work it out with THINK CASH before you try to pay back the illegal pdl's.

so since paradise cash responded what can i say back to them? i really dont know how to go about this whole illegal internet pdls. what steps can i take from here? They said they're gona send me to collections? ahh this is such a mess.

i signed up with langehorne for all these pdls that i have taken out and for their help to pay them back, but since they're illegal should i cancel it?? However, i still do not have the funds to pay back the loan in full.

if you signed up with langhorne give them a shot,but forward that e-mail to them.that should say everything you need to know about these idiot pdl's.they are not even in this country which means you owe the principle borrowed that is it.let this foreign pdl know that they will get what you borrowed.they really can't do anything except threaten stupidly.give langhorne a chance.forward that e-mail to them.

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i thought of that too nascar,but langhorne won't let this person skate by.they will make sure they are not taken by the pdl's,but they will not get PIF'S.most likely they will negotiate a way to pay these pdl's back the amount borrowed without interest.i am adopting a wait and see about this.

NO I AM NOT TRYING TO COMMIT FRAUD!

you obviously dont know the history of what happened so let me catch you up to speed. My bank was overdrafted so when my check was direct deposited the bank took my entire paycheck. My car payment was due so I took out loans to cover the left over negative balance and more loans in order to be able to cover the car payment. I had no idea that pdl loans were even illegal in some states until i came across this site so i did not try to take loans out with the intention of not paying them back.The reason i signed up with langhorne is because i found myself not being able to pay loans or even refinance fees since it'd leave me absolutely no money at all every paycheck. I was in a desperate situation and i made a decision to take out the loans not thinking about the consequences since i needed money fast and had no friends or family members that could lend me the moeny. I had taken out previous loans with companies like discountadvances and thinkcash before and paid them off so i havent had any problems with paying back pdls in the past.

I thought this was supposed to be a website where people could come and ask for help and not be judged but obviously thats not entirely true, instead im being accused of fraud when that was not at all my intention.

okay then,as i stated langhorne will help you pay these places.as your email from paradise indicated they are not located in the US therefore you will need help with them also PAYCO.i'm glad i was wrong.langhorne will help you.

What's PAYCO?

Thanks for all your help paulmergel.

D'OH i was answering another person and had PAYCO on the brain.sorry you don't have PAYCO.they are another out of the country lender.i do know that one click cash is MTE and one of the worst pdl group of companies out there.keep langhorne informed of the calls,because these places will call at first.then when langhorne starts negotiating settlements the calls should stop or at least be less.i worked with them for 3 months last year.they are good and will help you.

i feel bad for asking you all these "what is..." questions.
but whats MTE?

ugh its scary to know i signed up with one of the worst pdl companies out there.

This website is very helpful. I understand that if your account is overdrawn you can not pay anyone. Please understand also that there are some people who are not as honest as you are in regards to paying back what they owe. The moderators always have held the position that you pay back what you owe. That is just the moral thing to do.

yea i know. i had every intention of paying back what i borrowed.
&i really didnt even know that internet loans could be illegal til i read postings on this site. it actually informed me about a lot of things i didnt know.

im so upset with myself for even getting myself into this mess to begin with. :(

You are not the first person to get involved in payday loans and will not be the last.

I'll apologize if I have misconstrued your intentions. If you do this long enough you see just about everything and on the surface this is very similar to other situations I have seen in the past. Not trying to pass judgement on you but I was just concerned with the fact that you have only paid a small fraction of what you borrowed. We are here to help and no one here will suggest you pay back anything other than the principle on the illegal IPDL's.

i just received a call from paradise cash advance when i've already sent them TWO letters (one via email, one via fax) that they should not contact me via phone. and they called on my WORK number! the lady said they didnt have the letter on file i told her i sent it twice, then i asked her for the license number they have to lend in california. she told me that they are governed by the world wide web laws, and that her manager had already explained that to me (which he did when he responded to the emailed letter, so they OBVIOUSLY do have a record of it). What can i do? her threats dont hold any merit since they're in the west indies right??

exactly,next time this pdl clown calls hang up.just hang up as they can't do anything,but call.

k thank you i was just double checking because it worried me that they still called after i sent them multiple letters telling them not to.

my pleasure,illegal pdl's don't care about the law or letters sent.that being the case do not talk to them.

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What are world wide web laws? Is there such a thing?

never heard of that.it sounds like a term illegals made up to justify there actions.

I just received a call from Cash Supply. They are trying to collect from me but I already paid them $387.50 on a $200 loan. I sent them via certified mail a letter to the address I found on this site in Espanola, NM. That is not a good address but I also faxed and emailed the letter as well. They are calling every day but only at work and not my cell phone, which is very strange. I told the woman that they aren't a licensed lender and she said they were licensed in the state of Ohio. Is that true? Regardless, I live in NC and I've paid what I owe and then some. They owe me a refund, which I requested but I'm sure I won't receive. Oh well, I DID receive a refund from SPD Financial on Saturday for $870. They sent a cashier's check but nothing stating that my loan was PIF. I have a copy of the check so I'm assuming that is their way of letting me know the loan is PIF and they are guilty of taking way too much of my money.

I do not show them having a license in the state of Ohio.

I found some interesting info
Federal Law Versus State Law
The federal electronic signature law won't override any state laws on electronic transactions provided the state law is "substantially similar" to the federal law or the state has adopted the Uniform Electronic Transactions Act (UETA), which also establishes the legal validity of electronic signatures and contracts. In other words, if the state's law is more or less the same as the new federal law, it will remain in force - but if not, it will be trumped by the federal law. This ensures that electronic contracts and electronic signatures will be valid in all states, regardless of where the parties live or where the contract is executed.

So?

Does not change the validity of the contract.

You will also need to fax to them the cease order I have had dealings with them and they say they donot get the order if emailed to customerservice@paradisecashadvance the fax no is 8662879563. My bank said I have to let the one posting today go through so i called them and they stated you have to fax them the order of cease they know there illegal they dont care as document was sent on 10/5/2009 and they said they didn't receive it at there email addy I spoke with bobby jones the manager at customerservice very rude person but I will no back down

Looking for a physical address for Paradise Cash? Phone #604-634-3585 Calls are comuing form British Columbia.

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