online payday loans

what number are they calling you from

Guest please tell us the name and number of the company calling you, thanks!

Do you have caller ID that you can get the phone number of who's calling you? Or, if you don't, have you tried doing a *69 on your phone after you (or they?) hang up? I think when you do that, it costs 75 cents on your phone bill, but it might be worth it to see who's hassling you and your family. And what company names are they giving you? It's possible some of them might be familiar to people on this site.

They have called from 952-992-6315(Minnesota) and 646-289-8346(New York) They are claiming to be from United Legal Headquarters. His name was Officer Eric Cotro. He also had a very heavy accent maybe from Africa or India. Extremely rude and wouldn't let me get a word in. His last words were May God Help You.

A bottom feeder collection agency.

It sounds like they bought some junk debt and your information was in there.

Ignore them.

You can read HERE for more information on these United Legal headquarters clowns!!

i have 5 internet payday loans. i have been trying to get them paid off but it is a vicious cirlce.. does anyone know if internet loans are still illegal in new york state in the year 2009. i emailed the information that i researched with a letter to each pdl today. i do not believe i should have to pay them because i have already paid so much money. the companies are: my cash now, one click cash, pay day service, its my payday, and ameriloan. one has already sent my loan to a collection agency and one is saying they are going to on april 3rd. please help me.

PDLs are illegal in NY in will probably stay that way forever.

All of those loans are illegal.

You only owe the amount you borrowed. All fees or rollover charges you have paid go towards that amount.

Have you closed you bank account? If not I would do so ASAP.

Don't let them intimidate you or scare you. There is nothing they can legally do.

Follow the instructions nohiogal has given you and when they call you again just hang up.

Thank you for your reply to my situation and for your moral support. I have signed and affidavit that my bank is not to do any ach's. Now that my account is in the positive I can close that account and open a new one. I am afraid of what will happen. I really do not believe that I should pay them anything anymore considering the fact that I have had loans with them in the past and have already paid so much money in fees, etc. I think that they owe me money. I am so grateful for this website. When I started my search I just googled "are internet pay day loans illegal in new york state" and that is how I found this site. I will keep you informed as to what happens. Ameriloan has already tried to contact me by phone and one of my references after receiving the email to them that they are not to contact me by phone.

THANKS FOR YOUR HELP!!!!!!!!!

Hang in there. It will all work out. You have the state law on your side so they have no leg to stand on.

Good luck and keep us posted.

I have already contacted paydayservices by fax stating that it is my understanding that internet paydayloans are illegal in New York State with the citation, etc. They have just emailed me stating that according to Utah credit code that it is not illegal and that by the fact that I signed the documents I am bound by that law. They are stating that they will make payment arrangements but I have to make a decision now because my debt is being sold tomorrow. They have also stated that they will collect any money they beleive that I owe. I went back in my bank records and because I have had loans with them before I have paid them so much money in fees. Is it illegal or not illegal in New York State for an internet payday loan company from Utah to loan me the money and charge so much money. I really need to know because I do not want to back down but I have to give them an answer today. PLEASE HELP!!!!!!!!!!!!!!

Please click here

They are illegal and they know it. There is no such thing as Utah Credit Code.
??
They are lying to you.
??
All PDLs are prohibited in NY state!

I JUST WANTED TO LET YOU KNOW THAT I SPOKE WITH PAYDAYSERVICES. WE HAVE AGREED THAT I WILL PAY THE BALANCE OF THE PRINCIPAL IN THREE PAYMENTS OF 20.00 AND THEN I WILL PAY TWO PAYMENTS OF 75.00. THEY EMAILED TO ME THE AGREEMENT AS I HAD REQUESTED. THEY STILL WON'T GIVE ME AN ADDRESS TO SEND A MONEY ORDER BECAUSE THEY SAID THERE IS NOT AN ADDRESS BECAUSE THE LOAN MONEY IS, IF I REMEMBER CORRECTLY, FROM THE INTERNET AND THAT THERE IS NO SPECIFIC PLACE...ALMOST LIKE CYBERSPACE. I DID AGREE TO PAY BY USING A PREPAID DEBIT CARD WHICH I CAN USE TO PAY OTHER THINGS. I HAD ALREADY TAKEN STEPS A FEW MONTHS AGO TO STOP AND ACHS' AND I HAVE CLOSED MY BANK ACCOUNT AND OPENED A NEW ONE. NOW I HAVE RECEIVED AN EMAIL FROM CREDIT PROTECTION DEPOT THAT IS WITH MY CASH NOW. I CALLED THEM AND TOLD THEM THAT I WOULD PAY THE BALANCE OF 108.00 THAT IS OWED ON THE PRINCIPAL. SINCE THEY ALSO SEEM TO HAVE A PROBLEM WITH ACCEPTING MONEY ORDERS, I TOLD THEM I WOULD PAY WITH THE PREPAID DEBIT CARD. THERE WAS NO DISCUSSION OF AGREEING ON THE FINAL FIGURE OWED. I TOLD THEM I WOULD ONLY PAY THE REST OF THE PRINCIPAL AND THAT SINCE I HAVE HAD A FEW LOANS WITH THEM IN THE PAST THAT I HAVE ALREADY PAID ALOT OF MONEY IN FEES. THEY WANT ME TO PAY OVER 1,000 FOR A 600.00 LOAN. ALSO, THE EMAIL THEY SENT TO ME DID NOT MENTION MY FAX TO THEM ALTHOUGH IT WAS ACKNOWLEDGED IN OUR CONVERSATION. I TOLD THEM THAT I BELIEVED THAT WHAT THEY SAID IN THE EMAIL WAS NOT TO INFORM ME AS TO WHAT CAN HAPPEN TO ME (WHAT THEY COULD DO IF I DID NOT PAY THE MONEY) BUT THAT I BELIEVED THAT THEY WERE TRYING TO INTIMIDATE ME. I ALSO CHECKED DIFFERENT SECRETARY OF STATE WEBSITES AND DID FIND SOME OF THE COMPANIES/CORPS. THEY ARE ALL DOMESTIC IN THEIR STATE. THEY DID NOT COME UP IN MY SEARCH USING THE NEW YORK STATE SECRETARY OF STATE SITE. I TOLD CREDIT PROTECTION DEPOT AKA CPD-OFFER WORKING WITH MYCASHNOW THAT I WAS PRINTING THE EMAIL AND BRINGING IT TO THE OFFICE OF THE NEW YORK STATE ATTORNEY GENERAL'S OFFICE THAT IS IN THE SAME BUILDING WHERE I WORK. THEY WERE NOT IN ANY WAY MOVED BY THIS. I HOPE WHAT I AM DOING IS REALLY LEGAL!!!!!!!!!!!!!

You are well in your rights. ALL PDLs are prohibited in NY.

I can tell you are upset but please refrain from all CAPS next time you post as it makes it appear as you are screaming.

If your account is secure then ignore any and all threats.

They can not not do a thing to you.

Do not pay them anymore money then what you borrowed. That is all you legally owe.

sorry about the caps :oops: :( i guess i'm just afraid of what they will try to do to me. i have not heard from oneclickcash, itsmypayday or ameriloan yet. i will let you know when i do. again, sorry if it seemed like i was yelling but i really want to :cry:

i am not sure if the message i just tried ot post went through but i am sorry about the caps i really am not yelling--i actually feel like crying. thanks again for your support.

Your message went through and you can relax.

Since all PDLs are illegal in NY they can not do a thing but call and make threats.


They can do nothing else but harrass you and make false claims.

i just wanted to let you know that i went to my local New York Attorney General's Office personally and verified that internet pay day loans are illegal in NYS. the person that i spoke with first told me that they were legal and then i spoke with him about former AG Ellicot Spitzer and how he went after these companies. the young man went to speak with someone and came back to tell me that they were indeed illegal and that i do not have to pay back the rest of the principal if i do not want to do so. i have given him info about two of the loans and i am asking for any fees that i have paid to be paid back to me. i will have to see what happens. i also heard from one of the companies that my loan is paid in full. i asked for verification from the company and they gave it to me. the company also said it would not affect my credit and that nothing is being sent to any collection agency. i am asking in my complaint against these companies through the NYS AG that i want an official doucument sent to my local AG office and also to me that any loans have been paid in full and that that goes for any of their affiliates and to any one they would try to sell my loan to. we will see what happens. i only hope that the AG is aggressive on this. i told the AG rep. that it is important that we go through with this because of it being illegal and that so others do preyed upon. i will let you know what happens. just because these loans are illegal does not mean that people should get these loans knowing that they are not legal and then not pay them back. in my case i did not know that they were illegal and when i found myself in a ficious cirlcel of taking out more loans to pay off other loans i checked it out on the internet and found this website. to those who know they are illegal--please do not take out the loans and try not to pay them back because it could cause a problem with others who truly have been scamed. i am not trying to sound like i am being mean or anything but if we are going to fight this kind of predatory lendinig we have to stick together. thanks for all of your support.

I am glad you found they are illegal. Many consumers do not.

I hope it all works out and keep us posted.