Fustrated PPL has me at my end

Please tell us if these are internet or storefront, amount borrowed and amount paid back and someone should be along to help you with PA's PDL laws.

Pennsylvania 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:

As far as i know they are internet. Is there any way for me to tell if they are actually?

At first glance there are a few of yours that aren't licensed to lend anywhere, let me do some checking. Also, keep checking back as there are members here who have also dealt with these lenders and will help you plan a course of action. :)

Payday One is legal, you will need to make payment arrangements with them, they're usually fairly decent to work with as long as you remain pro-active.

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

MyCashNow.Com Inc. Unlicensed
Grand Anse, St. George's
Milwaukee, WI 53214
Telephone: (866) 398-2274
support(at)mycashnow.com
1-866-645-1662 and 1-866-318-2274

I have no info on Cash Spot

Payday max - Also known as Credit Protection Depot
Unlicensed
support (@) CreditProtectionDepot.com

paychecktoday.com, Unlicensed! Can't find an address but found fax #:
1-866-756-0600
fax at 1-800-671-0131

Loan Point USA (Unsure but I think they are unlicensed.)
1-800-351-8820 Ext: 304
1-800-351-8830 Fax
[email]kroddy@loanpointusa.com[/email]

CashnetUSA is licensed, you will need to make paymetn arrangements with them.

I would deal with the licensed ones first!

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]

If your question was how to tell if they were internet, they are if you did not go into a store front to get your loans

Ok,I went to my bank to ask for the hard hold on the account and they told me they couldn't do that and that I would need to speak with the company to stop the transactions. I asked what other resources do i have and they said i can close the account. Should i do this?

as long as it's not negative you should be able to close it.make sure it can't be re-opened by pending debits.

Ok,I went to my bank to ask for the hard hold on the account and they told me they couldn't do that and that I would need to speak with the company to stop the transactions. I asked what other resources do i have and they said i can close the account. Should i do this?

yes you should.

I had this problem as well and found that there are debt consolidation agency's for payday loans. They only work with internet loan's though, no storefront loans. I went through Langehorne debt solutions. They were great. Another thing you could do is close your bank account & open another one so the debit's stop going through. Then they have to work with you via moneygram. Just tell them you no longer have a bank account & will have to make payments. Cashnet usa is really good about this. I am no familar with the other one"s. Good Luck!