Guidance with PDLs
Date: Sat, 09/04/2010 - 08:04
I have been reading through the posts and greatly appreciate the valuable information contained on this site. Thank you for providing such great resources.
I reside in Indiana and have a total of 10 online payday loans out (info following) and am working to prepare letters to send each of them before all heck breaks loose with them as wells as to revoke any wage assignments. I closed my bank account to prevent their debits from continuing as they were sucking up all my income. I coundn't afford to pay living expenses if I continued paying them their fees.
I have checked the IN Secretary of State's office website to verify liscencing on them.....I found nothing on any of these companys. What exactly can I do to confirm whether or not these company's are illegal to do business in Indiana? I understand IN laws to only allow 2 PDLs to be taken out a a time and that IN doesn't allow "renewing" to be done where you only pay the interest on the loans.
Can you provide me some quick guidance and assistance for verifying the legality of these companys? I want to verify they are indeed illegal company's before send letters stating they are and suggesting a repayment plan for the principal to the loans. Thank you!
Nationwide Cash
nationwidecash
customerService @ nationwidecash.com
phone: 866-808-0936
The Financial Services Centre
P.O. Box 1823
Paul???s Avenue, Kingstown
St. Vincent & The Grenadines
Integrity Advance
iadvancecash
info @ iadvancecashe.com
phone: 800-505-6073
Integrity Advance, LLC.
300 Creek View Road, Suite 102
Newark, DE 19711
Loan Shop Online (I have 2 loans out with them)
loanshoponline
customerservice @ loanshoponline.com
phone: 800-488-3481
Mailing address:
2207 Concord Pike #505
Wilmington, DE 19803
GECC, Inc / CashDirect Express/Government Employees Credit Center, Inc
cashdirectexpress
customerservice @ cashdirectexpress.com
phone: 866-432-2562
USFast Cash
usfastcash
customerservice @ USFastCash.com
phone: 800-640-1295
SignMyLoan
signmyloan
loanagent @ signmyloan.net
phone: 877-995-1400
Zip19 / Northway Financial Corporation Ltd
zip19
customercare @ zip19.com]
phone: 877.947.1947
One Click Cash
onclickcash
customerservice @ oneclickcash.com
phone: 800-230-3266
MB Marketing/Next Day Cash
mynextdaycash
customerservice @ mynextdaycash.com
phone: 877-355-3915
I reside in Indiana and have a total of 10 online payday loans out (info following) and am working to prepare letters to send each of them before all heck breaks loose with them as wells as to revoke any wage assignments. I closed my bank account to prevent their debits from continuing as they were sucking up all my income. I coundn't afford to pay living expenses if I continued paying them their fees.
I have checked the IN Secretary of State's office website to verify liscencing on them.....I found nothing on any of these companys. What exactly can I do to confirm whether or not these company's are illegal to do business in Indiana? I understand IN laws to only allow 2 PDLs to be taken out a a time and that IN doesn't allow "renewing" to be done where you only pay the interest on the loans.
Can you provide me some quick guidance and assistance for verifying the legality of these companys? I want to verify they are indeed illegal company's before send letters stating they are and suggesting a repayment plan for the principal to the loans. Thank you!
Nationwide Cash
nationwidecash
customerService @ nationwidecash.com
phone: 866-808-0936
The Financial Services Centre
P.O. Box 1823
Paul???s Avenue, Kingstown
St. Vincent & The Grenadines
Integrity Advance
iadvancecash
info @ iadvancecashe.com
phone: 800-505-6073
Integrity Advance, LLC.
300 Creek View Road, Suite 102
Newark, DE 19711
Loan Shop Online (I have 2 loans out with them)
loanshoponline
customerservice @ loanshoponline.com
phone: 800-488-3481
Mailing address:
2207 Concord Pike #505
Wilmington, DE 19803
GECC, Inc / CashDirect Express/Government Employees Credit Center, Inc
cashdirectexpress
customerservice @ cashdirectexpress.com
phone: 866-432-2562
USFast Cash
usfastcash
customerservice @ USFastCash.com
phone: 800-640-1295
SignMyLoan
signmyloan
loanagent @ signmyloan.net
phone: 877-995-1400
Zip19 / Northway Financial Corporation Ltd
zip19
customercare @ zip19.com]
phone: 877.947.1947
One Click Cash
onclickcash
customerservice @ oneclickcash.com
phone: 800-230-3266
MB Marketing/Next Day Cash
mynextdaycash
customerservice @ mynextdaycash.com
phone: 877-355-3915
Hi, I had to deactivate your links per the TOS, I will return wi
Hi, I had to deactivate your links per the TOS, I will return with more info shortly.
I don't think any of your lenders are licensed but you can doubl
I don't think any of your lenders are licensed but you can double check that at the link below:
http://extranet.dfi.in.gov/dfidb/nondeplist.aspx
You need to close your account as it will never be safe again, CLICK HERE to find out how to deal with illegal lenders.
Quote:Originally Posted by ShazzersI don't think any of your len
Quote:
Originally Posted by Shazzers I don't think any of your lenders are licensed but you can double check that at the link below: http://extranet.dfi.in.gov/dfidb/nondeplist.aspx You need to close your account as it will never be safe again, CLICK HERE to find out how to deal with illegal lenders. |
This is awesome!! Thank you so much for you assistance! I do apologize for the links that were in my original communication.....I didn't realize they were active when I pasted the information over. I will be more aware of that in the future. Thanks again :)
Quote:Originally Posted by AnonymousThis is awesome!! Thank you
Quote:
Originally Posted by Anonymous This is awesome!! Thank you so much for you assistance! I do apologize for the links that were in my original communication.....I didn't realize they were active when I pasted the information over. I will be more aware of that in the future. Thanks again :) |
No problem, please keep us posted!
Quote:Originally Posted by ShazzersNo problem, please keep us po
Quote:
Originally Posted by Shazzers No problem, please keep us posted! |
Want to give you all an update. Since I sent me email letters, I have received an email from Loanshop stating my 2 loans are considered paid in full. WHEWWWHOOOO! That was a total of $500.00. I thought something might come of things when they received a rejection on their last draft attempt, but I haven't heard a word since receiving my PIF information. Two other companies are being real pains.....USFash Cash are very persistant in informing me that they are liscenced in Deleware with their standard forms. They are obviously not getting my message,however, after they attempted telephone contact with me and I fired off another copy of my original letter and emphasized I would not accept phone contact.....the calls stopped....it's now quiet again. Nationwide Cash is another major pain. They are ignoring my email communications and continue to call my home and work leaving messages on my voicemails for me to call them. They are also persistant in replying back to my emails (from their customer service email) stating that I need to contact them at the phone number they list.....Their are not getting it!! The other companies haven't sent anything! I did notice everyone has also shut down my online access to check my accounts. I'm just waiting....... and trying to figure out how to deal with Nationwide Cash and USFash Cash for now. Any suggestions?
Quote:Originally Posted by AnonymousWant to give you all an upda
Quote:
Originally Posted by Anonymous Want to give you all an update. Since I sent me email letters, I have received an email from Loanshop stating my 2 loans are considered paid in full. WHEWWWHOOOO! That was a total of $500.00. I thought something might come of things when they received a rejection on their last draft attempt, but I haven't heard a word since receiving my PIF information. Two other companies are being real pains.....USFash Cash are very persistant in informing me that they are liscenced in Deleware with their standard forms. They are obviously not getting my message,however, after they attempted telephone contact with me and I fired off another copy of my original letter and emphasized I would not accept phone contact.....the calls stopped....it's now quiet again. Nationwide Cash is another major pain. They are ignoring my email communications and continue to call my home and work leaving messages on my voicemails for me to call them. They are also persistant in replying back to my emails (from their customer service email) stating that I need to contact them at the phone number they list.....Their are not getting it!! The other companies haven't sent anything! I did notice everyone has also shut down my online access to check my accounts. I'm just waiting....... and trying to figure out how to deal with Nationwide Cash and USFash Cash for now. Any suggestions? |
Oh forgot to mention Cash Direct....they are another one that insist they are liscenced in Deleware.....I haven't had any more luck with them either, but haven't received any more phone calls.
Tell them that they can have their anywhere in the world but are
Tell them that they can have their anywhere in the world but are illegal in Indiana. Also that you are governed by the laws of your state and not the laws of Delaware. Be persistent to your demand of the PIF.
Quote:Originally Posted by paulcahill80Tell them that they can h
Quote:
Originally Posted by paulcahill80 Tell them that they can have their anywhere in the world but are illegal in Indiana. Also that you are governed by the laws of your state and not the laws of Delaware. Be persistent to your demand of the PIF. |
I have not gotten any further responses from these companies with the eception of Nationwide. Should I worry? Is there anything more I should do at this time ..... or should I just sit and wait? Nationwide is buggin the heck out of me now.....they are still not acknowledging my email communications ... they just continue to send their standard response. A woman calls everyother day and leaves voicemails stating they have been trying to contact me and have not received any kind of response from me.....although I have left 2 voicemails on her machine now stating they are not to contact me by phone and should only communicate with me in writing. I have also stated in my msgs that they must provide me an address to where payments can be made on the principle. I feel this is an effort wasted. Do I just begin ignoring the calls and continue to email their customer service address since that is all I have for an email? This mess is so frustrating.....I can't believe I have gotton wrapped up in this although I have definatley learned a lesson here! Thank you again for your information and advise!! You have all been a great help and have provided me much hope!
Nationwide is a pain in the arse, just reinforce the laws repeat
Nationwide is a pain in the arse, just reinforce the laws repeatedly.
Quote:Originally Posted by ShazzersNationwide is a pain in the a
Quote:
Originally Posted by Shazzers Nationwide is a pain in the arse, just reinforce the laws repeatedly. |
Amen to that! I will keep being persistant with them. Last night I glanced at their website disclaimers and happened to noticed where it states the states they do lend to ....... Indiana was on the list. I thought this was quite interesting. I don't recall if Indiana was in that information when I took the loan out initially, but it is now.... Just had to share that tid bit.
I guess I just won't worry about the other companies until I hear something. They have to do something eventually don't they. There are a couple that I believe I do owe them the principal on, but if they don't contact me......well.....guess that will be their loss?
Well, if you want to hear from them, send the same email with th
Well, if you want to hear from them, send the same email with the info that they are illegal and that you want a refund and PIF again and again. Fill their inbox with mails. I bet you will, eventually, hear from them.