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Florida PDL HELP

Date: Tue, 01/20/2009 - 13:54

Submitted by crack46
on Tue, 01/20/2009 - 13:54

Posts: 9 Credits: [Donate]

Total Replies: 14


Where can I find out if an Online PDL company has a license in Florida?

If they dont what needs to be paid back? I intend on paying back the loan but a 300 loan seems to have turned in to 1200?

I have about 6 and I need a plan how to get this done.

I guess I need to start with a verification letter and a C & D letter right?


we can certainly help there.if you could just list

the names of the pdl's
the amounts borrowed from each
the total amount debited by each include fees and rollovers.

provide the info requested and we will help you here.


lrhall41

Submitted by paulmergel on Tue, 01/20/2009 - 14:13

( Posts: 15514 | Credits: )


ok here we go....This is my mess...

Company/Loan Amount/ Amount Paid
1.Fox Enterprises/300/180
2.Vince Enterprises/300/180
3.500FastCash/300/180
4.Money&More/255/300 *I think its already paid off
5.Oneclickcash/300/90
6.LoanShop/300/90
7.SJM marketing/250/75
8.BIG/200/0
9.Payday Loans Yes Loans/350/0

Two weeks ago I paid 150 to some scumbag collector that said she was gonn talk to my boss if I didnt pay and was gonn take me to court. The worst part is that I dont know what company it was for. I paid the 150 with my debit card, but before they were able to hit it again, I had my bank issue mt another one.
This has become a mess...Cany you guys help?


lrhall41

Submitted by crack46 on Wed, 01/21/2009 - 14:53

( Posts: 9 | Credits: )


Yeah I cloesed my account months ago....I was recieving calls...

Yesterday I collection company called me with an attempt to collect for 3 of my loans...

The company was National Credit Adjusters....I spoke to a collector and she got pissed off when she tried to basicly say that I had almost 1500 in debt from 3 loans & I told her that I found out that the loans were illegal in Florida since they did not have a licence, and that Florida does not allow rollovers on PDL's, I did mention that Florida has a law that states that if a PDL lender does not have a licence the max interest that can be charged is 18% anualy ( I found this info on another thread on this site) The Loans they were collecting were from Fox Enterprises (300/paid 180), Vince Enterprises (300/paid 180), & SJM Marketing (250/ paid 75). I told him that I would only play the principal + 18% at most & no rollovers!!!!. Pricipal + 18%= $999. Since I had already paid 435 to these companies I was only gonna pay the remaining 564. I told him that I can pay it off by the end on February and to split it in to 3 payments... He agreed and he is going to mail me a letter stating that the loan was paid in full. I was really glad to see that with your help I was able to do this on my own!!!! Now I need to get in touch with the rest of these scumbags!!!!


lrhall41

Submitted by on Thu, 01/22/2009 - 07:46

( Posts: | Credits: )


Yeah I cloesed my account months ago....I was recieving calls...

Yesterday I collection company called me with an attempt to collect for 3 of my loans...

The company was National Credit Adjusters....I spoke to a collector and she got pissed off when she tried to basicly say that I had almost 1500 in debt from 3 loans & I told her that I found out that the loans were illegal in Florida since they did not have a licence, and that Florida does not allow rollovers on PDL's, I did mention that Florida has a law that states that if a PDL lender does not have a licence the max interest that can be charged is 18% anualy ( I found this info on another thread on this site) The Loans they were collecting were from Fox Enterprises (300/paid 180), Vince Enterprises (300/paid 180), & SJM Marketing (250/ paid 75). I told him that I would only play the principal + 18% at most & no rollovers!!!!. Pricipal + 18%= $999. Since I had already paid 435 to these companies I was only gonna pay the remaining 564. I told him that I can pay it off by the end on February and to split it in to 3 payments... He agreed and he is going to mail me a letter stating that the loan was paid in full. I was really glad to see that with your help I was able to do this on my own!!!! Now I need to get in touch with the rest of these scumbags!!!!


lrhall41

Submitted by on Thu, 01/22/2009 - 07:52

( Posts: | Credits: )


Yeah I cloesed my account months ago....I was recieving calls...

Yesterday I collection company called me with an attempt to collect for 3 of my loans...

The company was National Credit Adjusters....I spoke to a collector and she got pissed off when she tried to basicly say that I had almost 1500 in debt from 3 loans & I told her that I found out that the loans were illegal in Florida since they did not have a licence, and that Florida does not allow rollovers on PDL's, I did mention that Florida has a law that states that if a PDL lender does not have a licence the max interest that can be charged is 18% anualy ( I found this info on another thread on this site) The Loans they were collecting were from Fox Enterprises (300/paid 180), Vince Enterprises (300/paid 180), & SJM Marketing (250/ paid 75). I told him that I would only play the principal + 18% at most & no rollovers!!!!. Pricipal + 18%= $999. Since I had already paid 435 to these companies I was only gonna pay the remaining 564. I told him that I can pay it off by the end on February and to split it in to 3 payments... He agreed and he is going to mail me a letter stating that the loan was paid in full. I was really glad to see that with your help I was able to do this on my own!!!! Now I need to get in touch with the rest of these scumbags!!!!


lrhall41

Submitted by on Thu, 01/22/2009 - 07:52

( Posts: | Credits: )


ok I just got off the phone with some **** from 500fastcash,

and I told him that thier loans were illegal in florida, I told him that I have already paid thier company 180 out of the 300. and that I only gonna play them the pricipal. He said some BS that the Laws of Oklahoma were in effect sice thier company is in OK. Basicly they didnt want to settle and they were being assholes about the whole thing. I also told him the laws that apply to PDL's in floriday and he rebuttled by asking me what the deliinquency laws in Florida were.

Should I try to contact them again or should i just send them letters!

I need your help guys!!!

[color=Red]****Adult term removed - Jason[/color]


lrhall41

Submitted by crack46 on Thu, 01/22/2009 - 10:37

( Posts: 9 | Credits: )