Cant Afford PDL's and 3 Girls

Hi there and welcome! All of your pdl's are unlicensed/illegal, this means you are only obligated to pay back the principal amount! Alabama requires Internet based pdl's to be licensed by your state, none of yours are!

Quote:

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]

ameriloan is not licensed anywhere in the U.S.
3531 P Street NW Miami, OK 74355
Phone 800-362-9090

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

Paydayloan-yes
P.O. Box 571992
Murray, UT 84157
(888)227-4638

United Cash Loans
3531 P Street NW
Miami, OK 74355
Telephone:800-230-9480
gphillips at unitedcashloans.com
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

I have 7 pdls and my life is at stake. Job and marriage is at rocks. HELP!

No one goes to jail due to payday loan default. To save your life get out of this mess as soon as possible. Check whether the company is legal in your state. If illegal then don't pay them anything. Follow the pdl laws or settle your debts through a good settlement company.

Can anyone tell me how to find out what payday loan companies are legal in Alabama?

Here is the link to the AL database where you can search.

Link

Please tell us the name of the companies you are dealing with, how much you have borrowed and how much you have paid back including all fees, rollovers, interest etc. We are here to help so please get us the information.

How do I find out if pdl are legal and licensed in Alabama? They go by so many different names. I have several like Loan Shop Online, Sagamore and Instant Cash 911.

I posted the link to the database, 2 posts up. You can search. If you can not find them then chances are they are unlicensed/illegal.

Congratulations...since those companies are not licensed in your state you don't have to repay them one red cent. The best thing to do is close that checking account and open another one. Also, dispute all debits from these companies with your bank. You can get a "provisional credit" while they investigate. Tell them you did not know they were not licensed in your state...they're illegal. No bank wants to be associated with an illegal company. Hope mine are the same way...I feel your pain!

Even though they are not licensed, this site does NOT advocate not paying what you borrowed. you should pay back the amount you borrowed. They gave you the money, you used the money, morally you should pay back only the principle .