PAY DAY LOAN HELP

Latoya.. did you perviously fax your lenders a ACH revocation? (before your account got overdrawn)Also what state are you in, and how much have you paid?

Texas is known to have payday loan companies acting as CSO's (Credit Service Organizations). This means they do not need to be licensed, and are generally 100% legal in what they charge. If the lenders are in fact payday lenders, they must be licensed by your state in order to be lending legally.

Quote:

CLICK HERE for the Texas CSO data base.

I HAVE SENT AN EMAIL TO THEM TO ASK THEM TO STOP WITHDRAWING........I AM IN TEXAS... AND I HAVE PAID ABOUT THREE CYCLES IN FEES TOTALING ABOUT 800.00

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

Impact Cash LLC ( Unlicensed in Texas)
1551 RENAISSANCE TOWNE DR, STE 560
Bountiful, UT 84010
Telephone: (435) 214-4148

Think Cash is not a payday loan, its an installment loan. You will need to make payment arrangements with them.

Loan Point USA- ( Unlicensed in Texas)
1-800-351-8820 Ext: 304
1-800-351-8830 Fax
[email]kroddy@loanpointusa.com[/email]

Eastside Lenders- ( Unlicensed in Texas)
9218 Metcalf Ave #112
Overland Park, KS 66210
Telephone: (866) 569-6636
Fax: (180) 058-1429 ext. 6
eastsidelenders.com

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]

THANK YOU GUYS FOR YOUR HELP AND QUICK RESPONSE.. IF THERE IS ANYTHING ELSE YOU GUYS CAN THINK OF PLEASE LET ME KNOW... THANK YOU SOOOO MUCH......

Latoya did you give copies to your bank? Even if you didn't did you save copies? I'd be complaing to the branch manager.

I FORGOT TO ADD THAT RAPID CASH MANAGEMENT IS ANOTHER ONE OF THE LOAN COMPANIES WHO ARE HARASSING ME

Rapid Cash Management is a UK based company. Can they legally lend in US? I doubt.

Rapid Cash Management is not legal anywhere in the U.S.