TN Internet Payday Loans

I am in TN also. The only one on your list that I had was PayDayOne and of course you know they are legal. TN is a loophole state meaning that pdl are legal as long as they are licensed in some US state. You can try searching each pdl name with TN in the search box on the top right of this page and should be able to get some info.

As far as the bank talk with them and see if they can freeze your account or put it on a hard block or something along those lines so that the pdls won't be able to OD it any further and you can work on getting your bank paid.

If you have'nt already, read the sticky on dealing with illegal pdl. There is a post 13 down in that thread that you can send to the illegal lenders adjusting for your situation.

Resqume is correct! First of all, I am so sorry about your Dad! My prayers are for you tonight! Tennesee also allows up to 3 loans at a time for up to $500 each! Much more than most other states! Rollovers are not permitted but that does not appear to be your problem! You should try to block all withdrawals on your account and get your payroll dept. to issue you a live check which you can cash at the bank where it is issued! Then pay your bills by money order! You need to get your life back first! Take care of essentials! You come first! Sorry second! God comes first! Give a little from your heart! It helps a lot! There will be more than you had!

Thank you frogpatch. I appreciate the support.

Okay. I made payment arrangements with Paydayone. They were easy to work with after I began emailing them. Instead of speaking with them on the phone. First the representative tried to get me to refinance. But I told him I couldn't afford to refinance and pay the interest charges. I need to be setup on a payment plan to settle the debt. So he was nice of enough to stop the interest charges, set me up with 4 payments starting in August.

This will give me enough time to get 500fastcash off my back. The first time I heard from them was today and they called me a billion times at work, at home, on my cell and they even called my references, supervisors and CEO of the company. That ticked me off. Fortunately they were understanding because of recent circumstances.

As soon as I got home I sent my letters to them. They want me to pay 800.00 for a 400.00 loan. I don't think so. If they respond and say they will settle for 400.00 I'm paying them this Friday.

Does anyone know anything about Redco? That is the collection company Huskhawk and Sandpoint claim they have sent my accounts.

Ok...we know PayDayOne is licensed & legal and you have already worked something out with them. :D

Now for the second one on your list: 500 fast cash


Business Contact and Profile
Name: 500 FastCash
Phone: (888) 919-6669
Fax: (800) 416-1619
Address:
515 G St. SE
Miami, OK 74354

Website: www.500fastcash.com
Employees: 10
File Open Date: May 2007
TOB Classification: Loans
BBB Accreditation: This company is not a BBB Accredited business.


500 FastCash is located at the same address as MTE Financial Services, Cash Advance Network, & Instant Cash USA. A subsequent BBB investigation determined that this address is the address for a Gambling Establishment and Smoke Shop operated by the Modoc Indian Tribe. During its investigation of these companies, BBB employees visited the locations as well as sent a certified letter to the Chief of the Tribe asking for further information regarding these companies. Employees of the smoke shop and/or gambling establishment informed a BBB employee that they were unaware of any details regarding these companies. BBB has not received a response from the Chief concerning this matter. At the present time, BBB does not know if these companies are operated by the Tribe, by employees or other people using the Tribe's addresses, or is a joint venture between the Tribe and a for-profit company.

The complaints against this company and others located at the same address generally allege the inability to pay off the requested loan, charges to the consumer's checking or credit card account despite never receiving the requested loan, or continued unauthorized charges to the consumer's credit card or checking account once the loan has been paid off.
BBB has determined that this company is not licensed in the state of Oklahoma to provide loans to consumers and does not appeare to be licensed in any of the states from which consumers have filed complaints with BBB. However, if the Modoc Indian Tribe actually operates this business, it may not be subject to state laws regulating this industry.
BBB encourages all consumers seeking loans of any kind to research all of their options before providing any private financial information or signing any loan papers. Consumers should check with the BBB on the company's grade, their complaint volume, and whether or not the company is licensed or regulated to provide the type of loan services the customer is seeking.

Additional Locations and Phone Numbers
Additional Addresses
418 G. St. SE
Miami, OK 74354



Licensing
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Department of Consumer Credit
4545 North Lincoln Boulevard, Suite 104
Oklahoma City, OK 73105-3408
(800) 448-4904
http://www.okdocc.state.ok.us/

Number 3 on your list: Upfront Cash

Business Contact and Profile for Up Front Cash
Name: Up Front Cash
Phone: (866) 735-3526
Fax: (866) 735-3527
Address:
223 W Bulldog Blvd # 529 PMB
Provo, UT 84604-2546

Website: www.upfrontcash.com

Original Business Start Date: August 2006
Entity: Limited Liability Company
Incorporated: August 2006, UT
TOB Classification: Payday Loan Companies
BBB Accreditation: Up Front Cash is not a BBB Accredited business.
Additional DBA Names: Silverleaf Management LLC

Additional Locations and Phone Numbers
Additional Addresses
14525 SW Millikan Way, Suite 21705
Beaverton, OR 97005
Additional Phone Numbers
Tel: (800) 557-3849

Customer Complaint History for Up Front Cash
BBB processed a total of 14 complaints about Up Front Cash in the last 36 months, our standard reporting period. Of the total of 14 complaints closed in 36 months, 10 were closed in the last year.
These complaints concerned :
1 regarding Advertising Issues
1 - Bait & switch advertisement
11 regarding Billing or Collection Issues
2 - Improper collection practices
3 - None of the Above - Credit, Billing or Collection Complaint Issue
6 - Unauthorized bank debits
1 regarding Customer Service Issues
1 - None of the Above - Customer Service Complaint Issue
1 regarding Sales Practice Issues
1 - Sales presentation not consistent with the written agreement

These complaints were closed as:
11 Resolved
6 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to BBB.
5 - Company resolved the complaint issues. The consumer acknowledged acceptance to BBB.
2 Unresolved
2 - Company failed to resolve the complaint issues through BBB voluntary and self-regulatory process.
1 No Response

#4 on your list: Upfront Payday

Business Contact and Profile for Upfront Payday
Name: Upfront Payday
Phone: (800) 474-2909
Fax: (800) 474-5036
Address:
2274 S 1300 E Ste G8 273
Salt Lake City, UT 84106-4331

Principal: Mr Chris Hale, Manager
Customer Contact: Mr Chris Hale, Manager - (800) 474-2909
File Open Date: March 2007
BBB Accreditation: Upfront Payday is not a BBB Accredited business.

Customer Complaint History for Upfront Payday
BBB processed a total of 7 complaints about Upfront Payday in the last 36 months, our standard reporting period. Of the total of 7 complaints closed in 36 months, 0 were closed in the last year.
These complaints concerned :
4 regarding Billing or Collection Issues
1 - Failure to correct billing errors
1 - Failure to substantiate charges
1 - Improper collection practices
1 - None of the Above - Credit, Billing or Collection Complaint Issue
2 regarding Contract Issues
1 - None of the Above - Contract Complaint Issue
1 - Unauthorized changes to the contract or agreement
1 regarding Refund or Exchange Issues
1 - None of the Above - Refund or Exchange Complaint Issue



These complaints were closed as:
7 Resolved

#5 on your list: One Click Cash

Business Contact and Profile
Name: One Click Cash
Phone: (800) 349-9418
Address:
2533 N Carson St Ste. 5024
Carson City, NV 89706

Website: www.oneclickcash.com

File Open Date: August 2005
TOB Classification: Payday Loans
BBB Accreditation: This company is not a BBB Accredited business.
Additional DBA Names: Preferred Cash

Business Management
Additional company management personnel include:
Complaint Department

Additional Locations and Phone Numbers
Additional Addresses
2533 N. Carson St Ste. 5024
Carson City, NV 89706
Additional Phone Numbers
Tel: (800) 230-3266

Customer Complaint History
BBB serving Northern Nevada and the Lake Tahoe Basin no longer processes complaints against this company. Any complaints are directed to BBB serving Omaha, NE for processing.

For a full report contact BBB located in Omaha, NE at (402) 391-7612 or nebraska.bbb.org.
Prior to November 10, 2008 this company's complaints were handled locally. The following data represents complaints processed by this BBB prior to November 10, 2008.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB processed a total of 73 complaints about this company in the last 36 months, our standard reporting period. Of the total of 73 complaints closed in 36 months, 7 were closed in the last year.
These complaints concerned :
53 regarding Billing or Collection Issues
2 - Failure to correct billing errors
1 - Failure to substantiate charges
15 - Improper collection practices
14 - None of the Above - Credit, Billing or Collection Complaint Issue
19 - Unauthorized bank debits
1 - Unauthorized credit card charges
8 regarding Contract Issues
3 - Invalid or false contract
4 - None of the Above - Contract Complaint Issue
1 - Unauthorized changes to the contract or agreement
4 regarding Customer Service Issues
3 - Inappropriate behavior by customer service personnel
1 - None of the Above - Customer Service Complaint Issue
1 regarding Delivery Issues
1 - Non-delivery of services
2 regarding Refund or Exchange Issues
2 - None of the Above - Refund or Exchange Complaint Issue
3 regarding Sales Practice Issues
2 - None of the Above - Sales Complaint Issue
1 - Sales presentation not consistent with the written agreement
2 regarding Service Issues
1 - None of the Above - Service Complaint Issue
1 - Unauthorized service

These complaints were closed as:
53 Resolved
18 - Company resolved the complaint issues. The consumer acknowledged acceptance to BBB.
5 - Company offered a partial (less than 100%) settlement which the consumer failed to acknowledge acceptance to BBB.
1 - Company offered a partial (less than 100%) settlement which the consumer accepted.
29 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to BBB.
2 Unresolved
2 - Company failed to resolve the complaint issues through BBB voluntary and self-regulatory process.
17 Administratively Closed
10 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
6 - BBB determined that despite the company's reasonable effort to address complaint issues, the consumer remained dissatisfied.
1 - BBB determined the company provided proper verification that indicated there was no obligation to resolve the issues of the complaint.
1 No Response

#6 on your list: Sandpoint Capital
I came up with "nothing" on this company???

#7 on your list: Hushhawk Group

I came up with "nothing" on this company???

500 Fast Cash

You borrowed $400.00 and have paid back $0.00.

You only owe them $400.00 total with no interest...they are not legal & licensed.

Wow, Thanks fatcat. That made it easy for me to decide were to start next.

Has anyone every heard of Redco? I did some research on them and couldn't find anything. I'm not too sure I want to call them just yet. I don't see them on my credit report. So I'm think it's a inside collection thing with Hushhawk and Sandpoint. I know they are sister companies.

Ok. So a payday loan company is "not legal or licensed". So how do you stop them from withdrawing from your checking account?

the only way to stop an illegal or unlicensed pdl from debiting your account is to close it. Sorry.

500fastcash responded to the BBB complaint saying

"Blah Blah Blah: this letter is copy and paste from the internet. Blah Blah Blah. Unless there is a valid concern blah blah blah." They also keep calling me after sending my letter to stop. Should I email MTE Financial and 500fastcash at the same time and tell them 400.00, by money order, to a physical address only, email me to confirm, no phone calls.