Help with what to do in Ohio

Cash Spot, BIG, Magnum and Eastside are illegal. I would have to look into the other two.

How much have you borrowed and how much have you paid back?

For illegal lenders you only need to pay back the amount borrowed.

You can go here and read up on more information on dealing with illegal lenders.

Also, when were the loan taken out?

I will advise that you will have to close your bank account to stop them from debiting.

I am trying to find all of the information of what I had borrowed and what I have paid back.

The Cash Spot -- borrowed 400--- paid 550
Greenlight -- borrowed 300 -- paid 337.50
National PayDay borrowed 400-- paid 400
BIG -- borrowed 200 -- paid 205
Magnum -- borrowed 450 -- paid 162.36
Eastside Lenders -- borrowed 500-- paid 855
CashTransfer centers -- borrowed 300-- Payment of 381 due on 4/3

I don't have exact dates for when they were taken out. Is there anyway not to close my bank account?

I have registered with this site now...sorry for posting earlier before I registered. I am hoping someone can help. I am under so much stress with these loans.

You can try to place an ACH block on them but most of the illegal lenders have sister companies or they do business under another name so they try and do ACH debits under different names and avoid the block.

Cash Transfer is also illegal.

The law in Ohio changed and all internet PDLs are illegal.

I did not find any of those companies on the Ohio database so I am going to say they are all unlicensed/illegal.

National? Is it a store front?

National was not a store front, It was internet based

I have until 4/3 before anymore debits should come out. I am waiting for some checks I have out to clear and then am hopefully opening a new account this weekend.

What exactly should I send to the lenders to stop the ACH and can they penalize me more for closing my account? Can they contact my references that I provided. I really don't want anyone else to have to be involved in this mess.

Thanks to everyone for all their help.

AFTER your account is secure you will need send each one a letter. You can find the template here. Scroll down to post 13.

You need to change the letter to you own information and state laws.

The letter requests the ACH and wage assigment revocations.

You may also want to place the wage revocation statements with your payroll department.

I am not going to tell you won't get calls as you might and some can get nasty.

I can help you with one of these, but I am logging in as a guest and have removed my personal information. I am not sure what I can and cant tell you about my settlement with Cashspot.

I despise what they are doing to people and I will help anyone I can with this Company. I suggest you contact Dana Chaney I hope this helps you!

From:
"Dana"
Add sender to Contacts
To:
xxxxxxxxxxxxxxxxxxx
To: xxxxxxxxxxxxxxxx

From: American Consumer Credit
42 Read's Way
New Castle, DE 19720

In RE: Loan Question

Ms. xxxxxxx,

This e-mail statement is to serve as a paid in full notice on your account with American Consumer Credit.
We considered your request and marked your account with a -0- balance and will credit your Bank Account with $300.00 for overpayment. There will be no more ACH debit attempts and after the $300.00 goes through, there will be no more credit attempts as well. The ACH credit will be in your account on or before 11/07/08. If there are any questions or concerns please contact American Consumer Credit Customer Service.

Thank you,

Dana Chaney
American Consumer Credit
866-443-9971 ext 2160