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pdls in pa

Date: Tue, 08/31/2010 - 06:13

Submitted by cari
on Tue, 08/31/2010 - 06:13

Posts: 48 Credits: [Donate]

Total Replies: 28


i live in pa and have several pdls, SSM, USFast, Star, Extra Cash Live, Kenwood and 500 fast cash - I messed myself up and want to now who is legal and who is not - has anyone had any success making arrangement with any of the legal pds


Quote:

Originally Posted by paulcahill80
Yes Chris, get organized, close your account and open a new one. Transfer your next check to that account. Don't pay your hard earned account to illegal lenders. Go through the link provided by OhioGal and follow it. Best of luck and keep us posted.


thanks, some times i feel confident and some times scared - i just don't want them contacting my employer, employees, family - etc.
so if i revoke that - will they abide by that


lrhall41

Submitted by cari on Wed, 09/01/2010 - 05:32

( Posts: 48 | Credits: )


i'm not sure i'm doing this right - when trying to ask a question and how and where to post - but hopefully this will get thru
as i stated above i have pdls with SSM, USFast, Star, Extra Cash Live, Kenwood and 500 fast cash - has anyone ever tried just working out a payment plan with any of these - i came across some information about extended payment plans and something about CFSA -


lrhall41

Submitted by cari on Thu, 09/02/2010 - 08:43

( Posts: 48 | Credits: )


Chris, all of your lenders are illegal. How much did you borrow from each? How much have you paid them so far? If you've already repaid the principal, you're done. Check out Shazz's thread for how to deal with illegal lenders. You may not owe anything else AND you may be able to get your bank to reverse some of those charges, since these are illegal lenders and they were taking money from your account, above and beyond what you owed, without your consent (depending on your situation).


lrhall41

Submitted by OhioGal1 on Tue, 09/07/2010 - 09:16

( Posts: 5253 | Credits: )


Quote:

Originally Posted by OhioGal1
Chris, all of your lenders are illegal. How much did you borrow from each? How much have you paid them so far? If you've already repaid the principal, you're done. Check out Shazz's thread for how to deal with illegal lenders. You may not owe anything else AND you may be able to get your bank to reverse some of those charges, since these are illegal lenders and they were taking money from your account, above and beyond what you owed, without your consent (depending on your situation).


500 fast cash - got $400 - paid 120
us fast cash - $400 - paid to date 290
Star - $350 - paid 210
extra cash live - 300 - paid 180
Kenwood - $200 - paid ?? - need to check - i'm guessing around $350
SSM - $200 - paid OMG - like 860. (would be happy to even get a PIF from them) -
also i am willing to work out a better payment plan with the other - just to
get it done with
has anyone ever set up a payment plan with any of the above


lrhall41

Submitted by cari on Fri, 09/10/2010 - 12:26

( Posts: 48 | Credits: )


Quote:

Originally Posted by OhioGal1
All payday loans are illegal in PA. It sounds like these are all internet loans, correct? You need to follow the advice in this thread. http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html


just wondering how can you tell if the pdl's are a member of CFSA - from what i'm reading - if they are they have to offer you a extended payment plan - which a couple of mine are not paid to the principle amount yet, but i am willing to at least pay the principle amount - but would have to do it in a payment plan. i know i am responsible at least for that amount.
if the payment are due out next week and i have all my letters ready and
changing bank accounts - when should i send the letters revoking ach's,
contacts, etc.
i must say - i am a nervous wreck - i am already a head of my self and worried about them trying to hit my old account next week.'


lrhall41

Submitted by cari on Tue, 09/14/2010 - 14:55

( Posts: 48 | Credits: )


Quote:

Originally Posted by screwedinaz
Chris-

Here is a link to CFSA's list of members. I am guessing, though, that the lenders that loan illegally are likely not to follow best practices - i.e extended payment plans. :confused:

http://www.cfsa.net/MemberList.aspx


thanks - yep you are right - i don't see any of mine listed
i overpaid Kennwoodm and SSM - so i'm hoping to just get a
pif from them
but usfastcash and 500fastcash and star - i only made 2 payments and
just want to finish them off by western union, money gram or cashiers check - have you had any luck with any of them


lrhall41

Submitted by cari on Tue, 09/14/2010 - 15:11

( Posts: 48 | Credits: )


Quote:

Originally Posted by screwedinaz
I have not had loans with any of your lenders so I cannot say. I did just deal with PayDayMax and they were willing to accept final payment of the principle by Money Gram or Western Union so there is hope.


thanks - i did find some very useful info on pa laws for out of state lenders - i just have to figure out how to attach it here - so others from
pa can get help

i'm not real computer smart - but i'll try and get it attached. according to the info i found - they can only charge you 6% if they are not licensed in pa and 24% if they are licensed in pa - if i am reading it right

so if i borrowed 200 - does that mean they can only charge 6% of the
$200
i'm starting to feel better now - but man does this stuff drain you
i just keep searching and searching anything on pa and pdls


lrhall41

Submitted by cari on Tue, 09/14/2010 - 19:09

( Posts: 48 | Credits: )


Quote:

Originally Posted by ballplayersmom
For Kenwood contact the Delaware BBB!!!!!! They are illegal and you will get your PIF!!!!! Contact Rose Hawkins DE BBB and she will contact Christy Finazzo, Eastside Lenders, Manager. Eastside will only deal with the BBB.. Contact the BBB ASAP!!!!


;) Amen, sister!


lrhall41

Submitted by OhioGal1 on Wed, 09/15/2010 - 08:02

( Posts: 5253 | Credits: )


Quote:

Originally Posted by ballplayersmom
For Kenwood contact the Delaware BBB!!!!!! They are illegal and you will get your PIF!!!!! Contact Rose Hawkins DE BBB and she will contact Christy Finazzo, Eastside Lenders, Manager. Eastside will only deal with the BBB.. Contact the BBB ASAP!!!!


o.k. - so if they are illegal - then no laws apply - even if they say
they are licensed in another state??

and you mentioned to contract the Delaware BBB - but you mentioned
the name Eastside Lenders - I don't have Eastside lenders - is Kenwood a
part of Eastside??


lrhall41

Submitted by cari on Wed, 09/15/2010 - 12:42

( Posts: 48 | Credits: )


YOUR state laws apply. PDLs are not legal in the state of PA, period. It doesn't matter where they're licensed or if you got the loan over the internet or whatever BS they'll try to throw at you. You need to file your complaints. That's a very important step. They may not listen to you but they will take notice when the Attorney General contacts them.


lrhall41

Submitted by OhioGal1 on Wed, 09/15/2010 - 14:07

( Posts: 5253 | Credits: )


Quote:

Originally Posted by OhioGal1
YOUR state laws apply. PDLs are not legal in the state of PA, period. It doesn't matter where they're licensed or if you got the loan over the internet or whatever BS they'll try to throw at you. You need to file your complaints. That's a very important step. They may not listen to you but they will take notice when the Attorney General contacts them.


thanks - i'm filing with pa attorney general, bbb, pa bank dept.
should i file with anyone else and also any advice for USFastCash and
500FastCash - sounds like the same company to me and from what i have been researching on them - they are a nightmare.


lrhall41

Submitted by cari on Wed, 09/15/2010 - 20:23

( Posts: 48 | Credits: )


Quote:

Originally Posted by cari
thanks - i'm filing with pa attorney general, bbb, pa bank dept.
should i file with anyone else and also any advice for USFastCash and
500FastCash - sounds like the same company to me and from what i have been researching on them - they are a nightmare.


how do i figure out what my refund should be
SSM borrowed 200 - paid $1080
Kenwood - borrowed 200 - paid $335.

also would like to know - it states that pdls are prohibited in pa
and states information about a small loan rate cap of 24%
but i also found information from the CDCA concerning pa
and a rate cap of 6% if not licensed.
I am just so confused I'm not sure which one i go by
the state pa law or the CDCA (Consumer Discount Company Act thru
the dept. of banking??


lrhall41

Submitted by cari on Mon, 09/20/2010 - 07:00

( Posts: 48 | Credits: )


Quote:

Originally Posted by OhioGal1
SSM owes you $880. Kenwood owes you $135.


i'm sure i won't get any of that - but would settle for something and
definetly want a pif on both.


lrhall41

Submitted by cari on Mon, 09/20/2010 - 13:50

( Posts: 48 | Credits: )