PAYDAY VICIOUS CYCLE
Date: Fri, 12/26/2008 - 21:50
I have also established myself with Counseling already and am on the road to recovery.
I always pay my debts, but my dilema is that all of these debts are going to be due on Jan 2, 2009. most of these companies i have had accounts before and always paid them in full and am in Good Standing with all of them.
The store fronts in Arizona i am trying to make arrangements with at this time since they were due on Dec 19 and the internet pdl's interest were paid but now I am overdrawn on my checking account for the store front accounts.
the internet pdl's are as follows:
Impact Cash Capital
400.00 interest 120.00 due 1/2/09
1-800-321-6017
1-800-321-6018 fax
Zip 19 DBA Northway Financial Corp Limited
Laws of the Republic of Malta
1-866-202-6498 fax
599.90 has to be pd in full every two weeks
pd in full 12/19/08 and reloaned same day for 1/2/09
B.I.G. - INT.COM
FROM THE UK BRITISH COURTS
250.00 70.00 INTEREST
PD 70.00 ON 12/19
DUE ON 1/2/09
INVCITY.COM
QUICKEST-CASH-ADVANCE
MTE FINANCIAL SERVICES
1-866-702-0267
1-866-246-0157 FAX
300.00 LOAN 90.00 INTEREST 1/2/09
SAGAMORE INC
1-877-287-3428
400.00 LOAN INTEREST 120.00 1/2/09
LOAN SHOP
2207 CONCORD PIKE # 505
WILMINGTON DE 19803
1-800-488-3481 FAX
500.00 LOAN INTEREST 150.00 1/2/09
B & L SERVICES BLMSINC.COM
JUST ADVISED NOW CALLED PACK MANAGEMENT GROUP LLC
866-943-6712
866-370-7045 FAX
300.00 LOAN INTEREST 90.00 1/2/09
MAGNUM CASH ADVANCE
1403 FOULK RD ST 203
WILMINGTON DE 19803
500.00 LOAN SPLIT INTO 4 PAYMENTS 12/19 196.59 PD
01/02 196.59
01/16 196.59
01/30 196.50
866-406-6800
866-406-6844 FAX
CASHNETUSA- DBA - CASH AMERICA NET OF AZ
CASH AMERICA, CASH AMERICA PAWN, CASHLAND, SUPERPAWN, -PAYDAYADV, MR PAYROLL AND PRIMARY PAY CARD
500.00 LOAN 61.00 INTEREST
888-801-9075
866-326-5265 FAX
POSSIBLY MAY BE ABLE TO WORK OUT PAYMENT PLAN WITH THEM....ONCE IN A 12 MONTH PERIOD
LITTLELOANSHOPPE
900 W. 500 SOUTH #2001
BOUNTIFUL, UT 84010
300.00 LOAN 105.00 INTEREST SHOWING FOR 1/16/09
THESE ARE ALL THE INTERENT PDL'S
I KNOW I'M ASKING A LOT HERE BUT IF ANYONE HAS ANY SUGGESTIONS I WOULD BE SO GREATFUL SO THAT I CAN PAY ALL MY DEBTS. MY MAIN CONCERN IS MY PAY ON JAN 2, 2009
AND WHAT COULD HAPPEN THAT DAY COULD BE DEVASTATING
THANKS FOR LISTENING
A NEW BEGINNING
I'm going to post your laws shortly but at first glance you are
I'm going to post your laws shortly but at first glance you are dealing with quite a few illegal lenders here, which I will post shortly. I'm sorry to tell you this, but there is only one sure way to stop the withdrawals, and that is to close your account. If that isn't an option, then tell the bank to put a hard debit block on your account. Before you close your account, read this information at the link below. http://www.debtconsolidationcare.com/paydayloan/close-account.html
Please do not let any of these pdl's know you are going to close your account, until AFTER you have done it!
Arizona requires Internet based pdl's to be licensed by your sta
Arizona requires Internet based pdl's to be licensed by your state.
Quote:
Arizona State Information Legal Status: Legal Citation: Ariz. Rev. Stat. ???? 6-1251 et seq. Loan Terms: Maximum Loan Amount: $500 Loan Term: Min: 5 days Maximum Finance Rate and Fees: 15% of check Finance Charge for 14-day $100 loan: $17.65 apr for 14-day $100 loan: 459% Debt Limits: Maximum Number of Outstanding Loans at One Time: One Rollovers Permitted: Three (extensions) Cooling-off Period: Repayment Plan: Collection Limits: Collection Fees: $25 NSF fee + actual charges assessed by the financial institution Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Arizona Department of Financial Institutions Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018 Phone: (800) 544-0708 Fax: (602) 381-1225 Regulatory Contact: Robert Charlton,, Assistant Superintendent of Banks |
Impact Cash LLC- Not licensed to lend to AZ residents. 1551 REN
Impact Cash LLC- Not licensed to lend to AZ residents.
1551 RENAISSANCE TOWNE DR, STE 560
Bountiful, UT 84010
Telephone: (435) 214-4148
Zip19's mailing address: Unlicensed/illegal
Northway Broker Limited,
Level 8 Suite 3, Plaza Commercial Center, Bisazza Street,
Sliema, SLM15, Malta
Phone: 1-877-947-1947 (Toll Free)
Fax: 1-866-202-6498
Email Address: [email]customercare@zip19.com[/email]
B I G Payday- Unlicensed/illegal
1005 Terminal Way STE 102
Reno, NV 89502-2179
Telephone: (877) 282-5450
Fax: (877) 762-7350
big-int.com
INVCITY-Unlicensed/illegal
Sagamore-Unlicensed/illegal
18772873428 they are also know as B & B processing.
55 Frederick St
P.O. Box CB 13039
Nassau, Bahamas
Loan Shop-Unlicensed/illegal
E-Care/Sonic Payday/Cash Transfer Centers/Loan Shop/Northway Credit (these are all one company)
13696 104th Avenue
Surrey, BC Canada V3R 1V9
phone: 1-866-958-3278
fax: 1-866-809-4069
email: customercare(at)cashtransfercenters.com
B&L Marketing - Not sure but I doubt if they're legal.
Phone Number 1-866-656-1136
Fax Number 1-866-370-7045
Magnum cash advance- I don't know about this one but doubt they are licensed to lend to AZ residents.
866-406-6800
403 Foulk Rd Suite 203, Wilmington, DE 19803
CASHNETUSA- legal, you will need to make payment arrangements with them.
little loan shoppe- Unlicensed/illegal
Nelson, Dee
1801 W Broadway
Suite 201
Spokane, WA 99201
us
+1.5093288600 Fax: +1.5092321108
I hope the information below will help you. :) You are only obl
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]
PDL VICIOUS CYCLE
I REALLY APPRECIATE THIS.....I THOUGHT THAT CASH NET USA WAS LEGAL, I HAVE USED THEM AND THEY ARE IN ARIZONA......1ST THING MONDAY I WILL GO TO MY BANK AND THAN I WILL FORWARD LETTER TO PDL'S...IMMEDIATELY SINCE THEY ALL HAVE A 3DAY CUT OFF PERIOD.....ANY OTHER POINTERS WOULD BE GREATLY APPRECIATED.....
I am from AZ as well, I started with 14 pdl's and I am down to 6
I am from AZ as well, I started with 14 pdl's and I am down to 6 and have EPP arrangments with two of them. By the end of January I will be down to 4. You can do this, you just need to make the commitment. I have done without just to accomplish my goal and I am now seeing light at the end of the tunnel.
It seems to me that you are taking the right steps to recover and I wish you the best of luck. Please secure your bank account and follow the steps Shazzers has laid out for you and this will all be behind you soon. Happy New Year!!!!!!!
Ludwig, please keep us posted on your progress, we care!
Ludwig, please keep us posted on your progress, we care!