need advice please

Welcome!
In briefly looking at your list, the first IPDL (Cash Transfer Centers) is a notorious one that operates either in Malta or Ireland, depending where they choose to hang out at the moment. They also use a device called the Voluntary Wage Assignment or Wage Garnishment, that you sign when you take out the loan--that would authorize them to go into your paycheck if you would default.
What I would strongly urge you to do as one of your first steps to getting control of your money again is write your HR or Payroll person tonight a letter revoking this for this and any other PDL's on your list that you might have authorized this for.
You must also speak with your bank and have your bank account closed due to this--and see if they can open another account for you--and do NOT give the number out to anyone or any company. Once these PDL's know that there's an issue, I promise you, they will try and debit you faster than a New York Minute. I know, because I and many other people on the boards have been there.

Ok - thanks for the advice. If these internet PDLs are illegal, do they not show up when i type their name on the DFI website? If they are legal then i just owe whatever i borrowed, right?

Quote:

ok so i borrowed $900 from cashtransfercenters.com. The state of Washington says you only pay $15 for every $100 borrowed so instead of the $1143 they say i owe them i should only have to pay $1035 if they are legal? Did i get it right?

No. You owe $900. CTC is located in Malta and does not have a license to lend in the US.

For illegal/unlicensed lenders you only owe what you borrowed. All fees, interest payments or rollover charges are applied towards that amount.

really? wow! ok what about cashadvanceusa and cashadvance network and cashadvance-us? are they legal?

every pdl except for cashnet usa is illegal.

Cashnet USA is a member of CFSA. You can set up an Extended Payment Plan with them.

Read HERE for more info about the EPP.

ok - i am new here. so i need to send a letter stating that they need to stop ach withdrawls. then i need to pay them by moneygram or cashier's check for the amt borrowed only, right? (i am in chex systems so i can't close my acct. i froze it. i hope that is enough.)

Yes send the letters to the Illegal PDL companies.

I would try calling Cashnet USA first since they are Legal. You should be able to set up a payment plan with them.

You can also pay them with a prepaid Visa.

Here is the link to the letter. Scroll down to the 13th post to locate it.

You just need to change it to your information and state laws.