Payday loans

Payday lending is illegal in PA. You can check out your state laws here.

which company do you owe? how much did you borrow, how much did you pay back?

Listed below are amounts borrowed and paid to date.
thanks for your help

Paycheck Today orig $400 paid $820
Loanshop $500 pd $1050
Eastside Lenders $700 pd $1595
Zip 19 (Northway) $1500 pay back +300 EOW
Vince Enterprise*300
United Cash Loans 300 pd $730
Huskhawk $300 pd $630
Star Cash Loans*$350 pd $105
Instant Cash*$400 pd $120
First Bank of Delaware Loan $900 pd $643

I'm sure someone will be along soon to give you more information. In the meantime... What is the name of the PDLs, how much were the loans for, and how much have you paid back on each one?

i am not 100% on your laws but it appears that you have overpaid on most of them... is your bank account secure?

i'm sorry, another thing.. are these all interet lenders? i believe first bank of delaware wrong is not a payday loan?

yes,
they are all internet pdl's. I have blocked my bank account to them, do i need to close my account?

thanks

i would close it, to be honest.. they will try to go in under different names to get the money out.

The info on my payments to the PDL's listed above includes fees paid weekly, as well as, any principle that I have paid. Will I be liable to pay back all remaining principle on each loan, or can I use the fees paid each week? If I have to pay all of the principle, do I also have to pay fees that would be accruing as I work out payment plans?


thanks

for illegal loans, you can use the "fees" paid towards the principal :) and it can be paid on your own terms.

Are any of the PDL's listed illegal loans?

thanks

it seems that they are all illegal in your state but i wondered if the first bank of delaware is actually an installment loan rather than a payday.

FBDL is an installment.
The Zip 19 I apy off EOW with a $300 fee, This has been going on for approx a yr, can i count the $600 mo X 12 as payment for not paying back a $1500 loan?
Also, I talked with company, T&C, today that will work out a pay-off plan for my PDL's that would run for 12-24 mos depending on how much I pay each month, it almost appears to good to be true... is it?

thanks

you can do a search here for T & C.. them and Langhorne handle payday loans. but honestly, i checked out langhorne and found it is cheaper and easier to do by myself.
for zip 19 and FBDL, i am waiting for someone else to come along who can help better :)

Were you able to negotiate a lower payoff, were you able to apply the fees paid to offset some of the balance. for example, I have paid $630 to Huskhawk in fees in 14 weeks... i would think we should be even.....

thanks

for me, it might have been different.. i live in NJ, which prohibits payday loans and all of mine were illegal. i over paid most of them and got PIF but i settled for less than the principal with one company (hey, they offered lol)