Are this PDL companies illegal

Check here.. to see if any of your lenders are legal but looking at the laws, it appears all payday lenders are illegal in the state of NJ
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

They are all illegal in the state of NJ.
New Jersey State Information

Thanks. I have told the PDL that they are illegal in New Jersey and I am wrong and I still need to pay. For instance I borrowed a $300 and I have paid $540 and they are saying I owe $665. That does not make sense. I told I follow NJ laws and I was still told I am wrong

The PDL is illegal so of course they are telling you are wrong.
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They want to get more money out of you.
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In NJ payday loans are prohibited. Have you sent them the letters yet or are you speaking with them on the phone?

I have tried to get their addresses from them but they will not provide it. So I sent it thru email.

Have you closed your bank account??? I believe it would be helpful in this case. And since most, if not all, of these companies lent to you illegally, you may not owe a cent more to them.?? You are only obligated to pay the amount of money that you borrowed.?? It appears that you have paid them the money back PLUS a lot more.?? You are entitled to ask for a refund from each company that you overpaid.?? Not sure you will get it, but you should ask.?? Even if you received half of what's coming to you, that's quite a chunk of money.?? But the only way to avoid having money deducted from your account is to either close it or put a hard block on it, allowing it to be a deposit only account.

She is trying. She has BOA and they are being a bear about closing it.
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She is going back today with more fire power on her side with some information we have given her.
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We are keeping our fingers crossed.

I hope it works out!!!?? Please keep us updated!

I just came back from the bank and still getting the same response that they can not put a block and there is nothing they can do.

So they won't let you close your account and open a new one?

Gawd, I hate BoA and I have never banked there.

I was able to open a new account but I can't close or block my old account because of all those PDL transactions there are over thousand dollars of NSF fees. I have been told I can't block my account from any of the PDL companies listed. The only thing they can do is block the amounts that show on my account. They block the amounts but the companies submit new amounts to my account.

Your bank is right about the amounts switching. These PDL companies can get sneaky. Have you tried putting your account on deposit only status untill you get the overdrafts and NSF fees cleared up??

They won't let me put my account on deposit only. I have asked.

Anya, Abby has a thread (still on pg1) with all the trouble she's had with BOFA she has a complaint with Occ (I believe) BOFA is being Jackholes (to put it nicely).
Abby have you filed complaints with DFi against the illegal payday lenders yet? Have you called Occ back yet this morning?
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I have filed a complaint against BOA with OCC. I am going to call them today. I have filed complaints against the PDL companies on BBB and FTC. Can you send me the link for DFI?

I believe someone sent you the link in your other post...but here ya go
State Legal Status
Lending of payday loan is considered prohibited in the State of New Jersey.
Interest rate cap on small loans
30%per annum
File your Complaint and get Information

• Regulator - New Jersey Department of Banking and Insurance
  
• Address - 20 West State St. Trenton NJ 08625
  
• Phone - (609) 292-5360
  
• Fax - (609) 292-5461
  
• Regulatory Contact - Ludi Hughes Assistant Commissioner