payday loans in PA
Date: Fri, 02/27/2009 - 20:02
I just want a little advice.I LIVE IN PENNSYLVANIA AND have 5 paypay loans out and I am falling WAY behind on my regular bills.I contacted each to see what can be done.i had a problem with my tax refund not being in my account when it was supposed to be and every payment got sent back insufficent funds.
3 companies worked with me
Cashnetusa borrowed $550-paid around 180 this time[many previous loans-they have to be paid in full after 4 extensions] and then i had insufficient funds=they offered 3 payments of 218 every two weeks to clear my debt-i accepted[2 more to go]
Cashbanc borrowed $500 repaid 250 in fees only-had insufficent funds+was offered payment plan six $100 every two weeks and then one $74 payment=i accepted.
Integrity-borrowed $500-insufficent funds+they were very nice and said they were settling loans and if i paid the $500 it would be paid in full=i got my tax refund and paid this $500 and it is paid in full.
These 3 companies were nice and helpful. Now for the real trouble makers
Viploanshop-borrowed 399+90 fee=390 paid $90 once-insufficent funds-they said they would charge me $250 on my next payday-i told them i could not pay all that and would like an arrangement-they were nasty rude and they tried to debit my acct again in a few days which caused me another $29 fee.i put a stop on any withdrawls from them at my bank,they did not take out the $250 todaybecause i put a stop on it.what do i do now,when should i call them or should i wait for them to call me? I would offer to send them a few payments with a money order by mail when i speak to them.they were extremely rude and arrogant.
Cashdirectexpress -borrowed $400=$106 fee-paid $106-then insufficent funds due to the tax refund issue-i called,they will deduct $242 in fees at next pay day-i told them there would not be enough in my account-they told me too bad they are going to debit my acct anyway.-also they said i will be sent to collections if i have the second insf and they will tell me what i have to do.i put a stop on there payment as well and it was not able to be withdrawn today.what should i do about them also?call them ?wait?
My mortgage is a month late and my utilities are sending shut off notices because all the money is going to payday loans,i feel so stupid to have gotten myself into this mess,tax refund is spent and i lost about $400 in fees due to thee tax refund being a week late and all my checks bounced.
3 companies worked with me
Cashnetusa borrowed $550-paid around 180 this time[many previous loans-they have to be paid in full after 4 extensions] and then i had insufficient funds=they offered 3 payments of 218 every two weeks to clear my debt-i accepted[2 more to go]
Cashbanc borrowed $500 repaid 250 in fees only-had insufficent funds+was offered payment plan six $100 every two weeks and then one $74 payment=i accepted.
Integrity-borrowed $500-insufficent funds+they were very nice and said they were settling loans and if i paid the $500 it would be paid in full=i got my tax refund and paid this $500 and it is paid in full.
These 3 companies were nice and helpful. Now for the real trouble makers
Viploanshop-borrowed 399+90 fee=390 paid $90 once-insufficent funds-they said they would charge me $250 on my next payday-i told them i could not pay all that and would like an arrangement-they were nasty rude and they tried to debit my acct again in a few days which caused me another $29 fee.i put a stop on any withdrawls from them at my bank,they did not take out the $250 todaybecause i put a stop on it.what do i do now,when should i call them or should i wait for them to call me? I would offer to send them a few payments with a money order by mail when i speak to them.they were extremely rude and arrogant.
Cashdirectexpress -borrowed $400=$106 fee-paid $106-then insufficent funds due to the tax refund issue-i called,they will deduct $242 in fees at next pay day-i told them there would not be enough in my account-they told me too bad they are going to debit my acct anyway.-also they said i will be sent to collections if i have the second insf and they will tell me what i have to do.i put a stop on there payment as well and it was not able to be withdrawn today.what should i do about them also?call them ?wait?
My mortgage is a month late and my utilities are sending shut off notices because all the money is going to payday loans,i feel so stupid to have gotten myself into this mess,tax refund is spent and i lost about $400 in fees due to thee tax refund being a week late and all my checks bounced.
Internet PDLs are illegal in PA but there was a loophole that th
Internet PDLs are illegal in PA but there was a loophole that they could loan as long as they were licensed in another state.
The best thing you can do is close your account. Once your account is secure then you can work with the lenders. They will continue to debt your account if you don't causing more and more fees.
I believe VIP is illegal everywhere.
CashNet USA is legal but I will have to do some checking on the others.
Hang in there. I am sure others will be along as well that might have delt with the other companies.
