Confused in LA!
Date: Tue, 07/27/2010 - 10:49
Hi folks! I have been reading and re-reading all day. I'm in Louisiana and here are the PDLs I have:
ameriloan- owe $350- paid $105 so far, another $105 to come out Friday
cashnetusa- originally for $220, paid $70 ($20 in fees, other principal), $80 ($30 in fees) will come out Friday- they are actually having me pay it down and fees aren't bad.
cashcentral- $300 original amount, $75 paid so far, $75 to come out Friday
fbdloans- you can ignore this one as they are a loan co and OK- I'll pay them off early somehow
lakotacash- owe $300, $90 (I think, they never sent me anything saying the terms) coming out 8/13)
I went and read about the fact that LA doesn't license internet lenders unless they have an office in the state. From what I can tell, these do not have offices in my state as I have searched the OFI site. Of course they could be under different names, but I'm not sure how to find that out. I know the first step is to close my checking account. I have to wait until payday to do that as I am overdrawn now b/c one of these companies debited some other fee out of my account, which caused a massive snowball of fees. The bank refunded the fraudulent charge and the first set of fees, but not the ones incurred while they waited to refund them- it took them about a week and I had other things out then ended up being ODs. Anyway, I am trying to find another bank and have some issues b/c I once had a charge off with Chase over a Safe Deposit Box that was closed. I need to open a new account b/f I can close this one. I'm also worried about the law in LA that says they can take me to court if I close an account, but not if the check is NSF? Is that only with legal places and does is not apply since these places are illegal?
Is it possible to even try to work things out with any of these lenders before the account is able to close? I don't want more debits, but can handle the fees this paycheck. I just can't handle the full amounts right now. I have read what to do- that whole thread several times, but I'm wondering if anyone has a bank I can use that doesn't use chexsystems and doesn't mind bad credit. Also, since I can't close my account and they'll debit the second my check comes on Friday, is there anything else I can do? Oh, and it's too late to cancel my direct deposit and get a check.
Thanks in advance!
Sorry this is confusing- it confuses me and I wrote it!
ameriloan- owe $350- paid $105 so far, another $105 to come out Friday
cashnetusa- originally for $220, paid $70 ($20 in fees, other principal), $80 ($30 in fees) will come out Friday- they are actually having me pay it down and fees aren't bad.
cashcentral- $300 original amount, $75 paid so far, $75 to come out Friday
fbdloans- you can ignore this one as they are a loan co and OK- I'll pay them off early somehow
lakotacash- owe $300, $90 (I think, they never sent me anything saying the terms) coming out 8/13)
I went and read about the fact that LA doesn't license internet lenders unless they have an office in the state. From what I can tell, these do not have offices in my state as I have searched the OFI site. Of course they could be under different names, but I'm not sure how to find that out. I know the first step is to close my checking account. I have to wait until payday to do that as I am overdrawn now b/c one of these companies debited some other fee out of my account, which caused a massive snowball of fees. The bank refunded the fraudulent charge and the first set of fees, but not the ones incurred while they waited to refund them- it took them about a week and I had other things out then ended up being ODs. Anyway, I am trying to find another bank and have some issues b/c I once had a charge off with Chase over a Safe Deposit Box that was closed. I need to open a new account b/f I can close this one. I'm also worried about the law in LA that says they can take me to court if I close an account, but not if the check is NSF? Is that only with legal places and does is not apply since these places are illegal?
Is it possible to even try to work things out with any of these lenders before the account is able to close? I don't want more debits, but can handle the fees this paycheck. I just can't handle the full amounts right now. I have read what to do- that whole thread several times, but I'm wondering if anyone has a bank I can use that doesn't use chexsystems and doesn't mind bad credit. Also, since I can't close my account and they'll debit the second my check comes on Friday, is there anything else I can do? Oh, and it's too late to cancel my direct deposit and get a check.
Thanks in advance!
Sorry this is confusing- it confuses me and I wrote it!
You can do research on Ameriloan, but I had had many loans with
You can do research on Ameriloan, but I had had many loans with them. Paid them ridiculous amounts of money and finally found out that they couldn't lend in Michigan. Closed my account. It has been almost a year and they still bother me but they are not getting a dime from me. They are illegal and I am not going to let them scare me into paying. Good luck to you.
Ameriloan, Cashcentral and Lakaotacash are not legal lenders any
Ameriloan, Cashcentral and Lakaotacash are not legal lenders anywhere, [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders.
