default arrangements

Looking at first glance you only have one legal lender, and that is CashNetUSA. You really need to make payment arrangements with them. The others are pretty much at your mercy, you should get your bank account closed asap, then arrange to pay them off, you would only owe them the principal amount borrowed. Looks like you have over paid Ameriloan and 500 Fast cash though.

CLICK HERE to locate your pdl laws. CLICK HERE and read before you close your account.

500fastcash - They are also affiliated with MTE and illegal.
"customerservice@500fastcash.com"
500 fast Cash
515 GSE
Miami Ok 74354
888 339 6669

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

USFastCash
3531 P Street NW , PO Box 111
Miami, OK 74355
Attention: Collection Department

USFastCash
Phone: 1-800-640-1295
Fax: 1-888-549-3324
Email: [email]customerservice@usfastcash.com[/email]
US Fast Cash Compliance Department
Fax: 1-800-470-6614
Email: compliancedepartment(at)usfastcash.com


little loan shoppe???
Nelson, Dee
1801 W Broadway
Suite 201
Spokane, WA 99201
us
+1.5093288600 Fax: +1.5092321108

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]

does any one knoww how to address cash net usa after I already defaulted on my arrangement I am not sure how to handle the conversation. Will they wait for my taxes or give me more than 4 payments I just do not have the money right now

I've personally not dealt with CashNetUSA but if you type it into the search box located in the upper right hand corner of this forum you can read how others have. :)

I found cashnet to be reasonable all you can do is call and show an effort. Communicating what you can do to resolve the situation is better than NO communication at all. It is in their best interest as well as yours to work out the problem. Calling them may also prevent your loan from going to a CA that will hound the crap out of you, call your references, your job etc.

When I file a complaint with all these offices which box do I check debt collections and debt collection practices or dissatisfaction with other business practices thanks so much

I think business practices since the loan they gave you was illegal.

You may even want to file it both ways, business practices and if they give you a hassle then file a collection practices.

does any one know about little loan shoppe? I keep checking the web site no information on my account about default. no email can be sent no info on account status. just says next payment due on 1/30/2009. I really dont want to call you stay on hold no one picks up. when you click on fee schedule it says error. I have no idea what they are up too. This makes me crazy thinking about it. I borrowed 500.00 (WISCONSIN)I have made 2 payments of 175 each and defaulted 2 times but have heard 0 from them. Any thoughts? Im working with my other loans but am not real clear yet on WI laws. most of my loans came from clicking on my emails so I am going to try the illegal route I filed 2 complaints with the BBB. and am putting together a letter to 500 fast cash and ameriloan.

Little Loan shoppe is illegal.

Sometimes you never hear from these illegal pdl companies until they turn you over to a CA. Once that happens be ready to send them your C & D letter. Most of the time the CA they use is also illegal and unlicensed to collect. Be ready to file your complaints.

Yep, Little Loan Shoppe will try and hit you with a fast one. Read your contract carefully before you take action on them. They have claimed to operate as a installment loan company -vs- a PDL when I had them. LLS was at that time never backed by a bank and tried to make me repay $970 towards a 300 loan. NUTZ :evil:

I got an email fron WI DFI saying my loans look legal and one from BBB saying MTE and 500 fast cash are not relaterd although they go to the same address as far as I can tell. Also what does inthe compliance department mean I tried to check status on Ameriloan and was told I could not get any the loan is in the compliance dept. I also can not get ahold of LIttle Loan Shoppe - keeps saying no one available to take your call Any thoughts I appreciate the help going nuts.