are these pay day lenders (all online) legal in tennessee ?

Tennessee allows 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.

Quote:

United Cash Loans are part of MNE and are not licensed anywhere.
UCL (800) 279-8511
3531 P Street, NW
PO Box 111
Miami, OK 74355

Payday Loan Yes Not licensed!
Oranyan House Shirley Street
P.O. Box SS 19935
Nassau, NA
Bahamas
8005506051 Fax -- 8006057419

Payday One is usually licensed to lend in all the states, you will need to make some type of payment arrangements.

e-payday-loan - illegal/not licensed
Mailing address:
e-payday-loan.com
PO Box 571992
Murray, UT 84157
Phone: 1-877-633-1100
Fax: 1-866-840-4593

One Click Cash, are unlicensed/illegal to lend in any state in the US.
One Click Cash
52946 Highway 12
Suite 3
Niobrara, NE 68760
Fax 1-800-803-9136
Ph: 1-800-349-9418
compliancedepartment(at)oneclickcash.com

I'm not sure about outback cash and instant payday cash.

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]

I think you should look for payday loan debt settlement and wipe out these debts.

You can also get Free Counseling from one of the financial experts by filling up the FREE counseling and analysis form.

How do i find out about the 3 pdls that you did not have any info on? they are Out Back bucks, instant pay day cash, ez pay day cash.

if i could find about these 3, it would leave me owing only payday one. how can i look up this info?

My friend, you have been such a great help. words can't express how much i appreciate your help. thanks so much. i feel a weight being lifted.

Outbacks Bucks, Ez-payday Cash are licensed to lend in Tennessee. So, you have to repay the loan as per the pdl laws of your state (given above by Shazzers).

I'm not sure about Instant payday cash as I haven't heard about it.

Is Sonic Payday loan licensed to practise in Tennessee?

Are these licensed in Tennessee and can they file for court order to garnish?: (1) United Cash loan; (2)Ameriloan, (3)500 fast cash, and (4)US Fast Cash.

Is great sky cash, also known as financial solutions, llc, licensed to lend in Tennessee?

QXL online, One Click Cash, United Cash loans, PD Mobility, and MB Processing? I was told if they are not licensed in the state of Tennessee, I am only obligated to repay the principal  without interest.

from what I have seen lenders do not have to be licensed to lend in TN - unless that has changed. TN has very limited protection for it's residents.