PLEASE HELP...I live in Illinois and I want to stop paying these loans

I did not find either of those in the IL payday database or and installement lender.

I would switch your account to deposit only.

Since they are not licensed you only owe back what your borrowed.

You can go here and read up on the steps to take when dealing with illegal lenders.

You will need to send a letter to each AFTER your bank account is secure.

Thanks Hanna,

Thanks for the help ! I will be securing the account today...

No problem. Keep up us updated and ask more questions if you need to.

Does anyone know the correct place to contact "cashin10minutes.com" ?

I cannot find an address and I searched high and low. They seem to have four websites by different names but the same phone number.

I can not find an address. Their sites state they are in DE but the I do not find them under any of the names on the delaware database.

i, too searched for an address for you but could not find any. did you check with the BBB? i sometimes have gotten addresses from there on some pretty obscure companies.
do you have any email correspondence with this company?

This info was taken from the whois database for website registrations.

Administrative Contact:
Balakumar, Subhashanie [email]bala@sunguru.com[/email]
Trilok Inc.
25 Greystone Manor
Lewes, DE 19958, US

It appears that this Trilok Inc, has a few different PDL websites

Hope this helps

Thank You Count Wonderful!

Not that it matter here but they do not have a license in Delaware.

Thank you all SO MUCH!

I have changed my account to Deposit only and will be sending the letters off tonight. I will keep you updated !!

Thanks Again !!!!!
LK777

Good Luck and keep us posted :)

Here is the letter I received from Cash Direct Express... ( Should I trust them ? )

RE: Correspondence received on April 15, 2009 concerning your account held with Cash Direct Express

Dear Linda,

We are writing in reference to your correspondence received on April 15, 2009.

Please be advised that Cash Direct Express is as follows:

1. Cash Direct Express is a lender licensed under the laws of Delaware
2. Cash Direct Express does not conduct business in the State of Illinois
3. Cash Direct Express does not maintain a location in the Sate of Illinois

As was specifically stated in your loan agreement, the loan was provided in accordance with the Laws that govern licensed lenders in the Sate of Delaware. Our physical location is in the State of Delaware. The loan was approved and funded in the State of Delaware.

In addition, Cash Direct Express has modeled our short term loan product to disclose all information available. We believe in being proactive for our customers and providing all pertinent information prior to funding. This step occurs when our customer???s are presented with their loan agreement. This allows the consumer to conveniently view the structure of our product to insure they are satisfied with the service we provide and with all provisions set within the agreement. By signing this agreement Cash Direct Express believes the consumer has taken the opportunity to thoroughly review the agreement and wants an opportunity to utilize our service. I???d also like to mention that our agreement and the provisions set within the agreement were not altered during your relationship with Cash Direct Express.

Although we fundamentally disagree with the allegations in your correspondence and are confident that we have been, and continue to be, in compliance with all applicable laws, we would still prefer to resolve this mater amicably. Although we have no legal obligation to do so, we are willing to consider any misunderstandings you may have had when you obtained the loan in question and are proposing a reasonable resolution.

In an effort to resolve this matter, we are willing to release you from the outstanding balance of your loan which is $341.60 and mark the account paid in full.

I hope this answers all of your concerns; however if you should have any additional questions for concerns, please contact me using the information below.


Thank you,
Tracy Watson
Customer Relations Supervisor
Cash Direct Express Processing Center
300 Creek View Rd
Suite 204
Newark, DE 19711
1 (866) 432-2562 x302
[email]TWatson@geccloan.com[/email]

What do you think ?

THANKS AGAIN FOR ALL OF YOUR HELP !!

typical BS from this pdl.i got that same letter.they are bound by IL law.send them a reply re-stating the fact they are illegal and unlicensed in IL.file an AG complaint against them as well.by the way i too am in IL and they caved after awhile with me.stick to your guns.

I know that I am on my first cup of coffee, but doesn't this say they are marking the account PIF? Why do anything additional?

you know what.i missed that part.the rest including the amicable resolution is there form letter.they just included the PIF.i am cutting down my caffeine.not as alert as usual.to backtrack i would send a reply stating that you are saving the e-mail in case they decide to sell the balance.

Guess what? I just received a letter from a collection agency for this loan....... What now? Do I just send them a copy of the PIF letter? Will that suffice?

Send them a copy of the PIF along with a cease and desist letter.

Yes.

it should.i suspected as much with this bottomfeeder pdl.i would still file AG complaints.send a message to both the pdl and collector.

I guess this place didn't take me seriously - this is the email I received from them yesterday...

" Your last payment of $ 550+$102.44 was returned and your account was closed. please pay $ 50 to 100 on your every pay day please pay the principal amount of $ 650 only

Thanks

So, what do I do now? Resend the original letter?

PS - I faxed a copy of the Paid in Full letter to the collection agency on the other loan ( cash Direct Express) and haven't heard anything since...

Thanks again for all of the help !

re-send the letter,and keep re-sending until they get the hint.they will eventually.