payday hell

Please list us the Payday loan companies, whether the loans are online or storefront ones, the amount borrowed and the amount you have paid back. This will help to give you more specific information.

also here is the link to see the laws for your state: http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

They are all internet loans Payday 1 300.00 have paid 210.00, Extra Cash Live 500.00 have paid 300.00 , East Side Lenders 500.00 have paid 450.00 , DJR 300.00 have paid 90.00 , Mesa Financial 300.00 have paid 90.00 , One Click Cash 400.00 have paid 360.00 , DMA Financial ( Q-Loot ) 500.00 loaned on 8/10 , Greenlight Funding 350.00 Loaned on 8/11 , Jupiter Funding 300.00 Loaned on 8/25 , Northway Financial ( Zip 19.com ) 900.00 Pays in full .

Extra Cash Live is showing that they have office in 2207 Concord Pike #658, Wilmington, DE - 19803. I don't think they are licensed in Oklahoma.

DJR Group is situated in West Indies and is not licensed to lend anywhere in the US.

East Side Lenders, Mesa Financial, DMA Financial, Jupiter Funding and Zip19 are all illegal in Oklahoma.

I am not sure about Greenlight Funding. I hope someone will give you more info about them.

Remember that if a company is illegal in your state, you are legally bound to pay them only the principal amount borrowed. Send these companies letters stating this info. If you have paid more than the principal amount to any of the PDL companies, then you can ask for a refund and a PIF letter.

You can also file cases against them with the Oklahoma Department of Consumer Credit.

I am in the same situation. I live in Oklahoma and I have 3 internet loans, all of which are not licensed in Oklahoma. I have paid more than the principal amount and I would like to request a refund and PIF letter. Does anyone have a sample letter? And should this be emailed to them before or after I close my checking account?

Hi elfone,

Never send the letter before closing your account. They will immediately empty your account till the last penny. Check out the sample letter in the following link: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

Thank you. I am planning to close my account next week. I will definitely be sending letters out. Thanks for your help!

Close your account before your next payday and then send out the letters. Have you checked the sample letters that r there in this site?

Hi.. I just seen that I might not have to pay the whole amnt of my payday loan. I live in MN and have a loan out there now with GECC and it was for the amnt of 400.00 and they are taking right now pending amnt in my bank 506.00 is this legal?
I also have fallen prey to one click cash and they have twice now taken for a loan of 300.00 they charged me 120.00 fees.
thanks for your help.

I was in the same situation. Called the Consumer Credit Protection in my state.... They took care of it just fine. :) Also, don't worry about not paying. Just close your bank account. (My bank was nice enough to just block them.) They cannot take legal action against you for a civil dispute, and also I don't think most of them report to credit bureaus. (Mine didn't.)