How do I find out if a payday loan company is licensed in missouri?

You can contact your states DFI and list your internet payday lenders.

Thank you. Can you please tell me what DFI stands for? (Sorry)

NP it's Department of Financial Inst.

Here's MO DFI http://www.missouri-finance.org/

If you feel like listing them there are many here with upfront knowledge of many lenders and they can help.

Also of you find they are illegal there is a sticky at the top of the main payday help forum that can instruct you howo to deal with them.

Thank you for your offer of assistance. I have listed only the internet borrowers:
United Cash Loans
Cash Central
Check City
CashNet USA
PayDay to Go
Money & More
Zip 19
US Fast Cash
Impact Cash
A2B Cash
Payday on Line
MTE Financial (Instant PayDay)
CA USA
PayCo
Cash Advance Now

I know this is alot. I have a lot of digging to get myself out of this mess. Any help/advice is greatly appreicated. Again, I am in Missouri.

Many thanks!

I can tell you that United, Zip, US Fast Cash and MTE are illegal right off the bat.

CashNet USA is legal.

I can look at them more later I am a little bogged down today. Other member will probably chime in with more help in the meantime.

Wow by just taking a glance at your list of PDLs. I will tell you over 80% of them are ILLEGAL as heck!

USFASTCASH
PAYCO (formerly known as AIP)
MTE FINANCIAL
A2B Cash
Impact Cash
Money & More
Payday on-line if not PAYDAYONE
PayDay to Go
Zip 19
United Cash Loans

If I were you I would look into closing your bank account then make a list of how much you have paid each lender in rollover fees and principal payments. They may owe you some money. First you definately need to secure your bank account and get control of your money! The other PDLs on your list may be ILLEGAL as well but I am not to sure. Others will be along to help you. If you conduct a search in the box uptop on each you can get more information of use to you. Best of Luck! :)

Cash central is legal lender, and is actually a member of CFSA. You can contact them before your loan defaults to set up EPP plan. (extended payment plan) Cash net Usa is legal as well, and will also set up a EPP plan.

Thank you all! My bank account is now closed. Do I understand correctly, that if I borrowed $250.00 from an illegal company and have paid them "renewal fees" in excess of this amount that they might actually owe me money?

That is correct but I would not hold your breath. Most are happy with a paid in full email or letter.

I would be more than happy with it just being paid in full. Is there any letter form that I should use to contact these companies?

You all are a lifesaver! I wish I had found your site earlier

There is a sticky at the top of this forum about illegal lenders. All the information you need is there.

I wish you the best of luck getting this resolved. You have come to the right place for help and support.

Sorry, I have another question. Regarding some of my on line loans (with illegal lenders) There were a couple that I made interest payments on and then paid them off and took them back out. Can I use the amount of interest I paid on the original loan or since it was paid off do I have to just use the amount for the current loan? I think it is just the current loan amount, but since these places are so shady I thought I should ask. They have received a lot of money from me if you look at the big picture.... Thank you!

Some have used the interest from past loans and demanded that money be applied to the current loan.

I have seen it work before so there is not harm in trying.

Just make sure it is all spelled out and clear in the letter.

All good advice here :P

Thank you all so much. This site is wonderful. In going through my bank statements I see payments/deposits from DFS and CCO Financial. I don't see these listed on my list however, I do have two Cash Central and Check City that I can't find deposits/payments on. Does anyone know if the above abbrevations go with these two companies?

Thanks!

Can the illegal payday loan lenders place a garnishment on my wages? I live in Missouri.

Thanks!

Hi, I am in Missouri. Can illegal internet payday loan lenders garnish my wages?

If I were you, I would work on all legal lenders first then the illegal ones. Make sure you read the sticky about closing your bank account if it was just recently closed. Securing your bank account is a priority. After that contact all your legal lenders to make payment arrangments then work on the illegal ones. While you are working with the legal lenders you can send all your letters to the illegal ones revoking ACH and notifying them that they are not licensed to lend in your state and that you are requesting a refund.

Your wages cannot be garnished without a court order but they can do a wage assignment which can be revoked by you. Simply put in writing to your payroll department that you are revoking any and all wage assignments they may receive on your behalf. Do it ASAP!!!!

Thank you for the information. I have revoked any wage assignements. I work for a place that does not accept any wage assignments. They have to be court ordered to be accepted....Have a long way to go to dig myself out of this mess.... Again, many thanks!

Good luck and keep us posted.

I need the mailing address for Cash Advance Now. Can anyone help?

Thanks!

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