Newbie here looking for any and all help!!!!!
Date: Sat, 08/14/2010 - 12:30
Thanks
Chandra
Quote:Originally Posted by chandra elmoreHi all, I'm new here an
Quote:
Originally Posted by chandra elmore Hi all, I'm new here and due to extenuating circumstances I'm being buried by PDL's. I believe I have 11 different ones at the moment. I can't even afford to pay my regular bills. And from being on this site, I realized that I have a PDL for $300 & the PDL company has been collecting $90 2x a month since Oct. Any and all help/advice would be greatly appreciated. I just don't know where to begin. Thanks Chandra |
Hi Chandra,
Please provide us the following informations which will help us to help you -
- The state where you reside
- The names of the PDL companies
- The amount you've borrowed
- The amount you've paid back
- Whether they are storefront or internet loans
Hi Paul, I reside in IL, they are all internet loans. In order f
Hi Paul, I reside in IL, they are all internet loans. In order from oldest to newest. Everything I have paid so far are just the finance fees, only 1 loan has actually had an payment applied to actual loan amount.
Everest Cash $300, paid $1890, $180 a month since Oct
Kenwood Services $250, paid $525
United Cash Loans $350, paid $575 including $50 toward balance
Integrity Advance $500, paid $450
Nationwidecash.com $500, paid $450
Star Cash Processing $350, paid $315
Fast & Reliable Cash $500, paid $135
Great Sky Cash $450, paid $135
One Click Cash $200, nothing yet, payment comes out Monday 8/16
Cash In A Wink $400, nothing yet, payment comes out Monday 8/16
SSM Group $300, nothing yet, payment comes out Monday 8/16
PaydayLoanYes $350, nothing yet, payment comes out 8/27
All Illegal
After this long search, I can tell you that all your PDL lenders are illegal to lend in your state. Illinois PDL laws state that PDL companies need to be licensed in Illinois and none of your PDL companies are.
For illegal/unlicensed PDLs you only owe the amount you borrowed. Any interest or rollover fees count toward that amount.
Click here to find out how to deal with illegal payday lenders.
Kenwood is illegal, just fought them and won. Only took 3 weeks
Kenwood is illegal, just fought them and won. Only took 3 weeks. Contact the Delaware Attorney General and file a complaint. They claim to be licensed in Delaware but they r not. I received a refund and they closed my account and issued me a refund. If you need specifics PM me. BPM
Click the link below to read your Division of Financial Institut
Click the link below to read your Division of Financial Institutions information regarding preditory lending, and Internet Payday lenders who have been placed on the 'borrowers beware' list in Illinois.
http://www.idfpr.com/DFI/BorrowerBeware.asp
Ok, here's an update. I bank with Chase, I contacted them by ph
Ok, here's an update. I bank with Chase, I contacted them by phone about putting an ACH debit block on my account, and making it deposit only. I figured I would try the block first because of the ACH Debits that are pending, my account is now negative. The rep on the phone said I can put the ACH block on the account but I have to wait for the pending transactions to be finalized, which should be about 24 hours. Then I can call and have the ACH debit block put on the account. And if the debits are posted as paid, then they will reverse the payments out.