NH Payday Loan Help!

First, I'd recommend registering so that we can better identify your posts. Second, we need more information, besides knowing that you live in NH, who are the loans with, are they storefront or internet, how much did they each deposit and how much have they withdrawn?
This link will help you understand the NH payday lending laws http://www.debtconsolidationcare.com/paydayloan/laws-simplified.html

The loans are as follows:

Alpine Direct - Loan: 200 Withdrawn: 480
SSM Group LLC - Loan:250 Withdrawn: 600
VIP Loan Shop - Loan:400 Withdrawn: 540
CCS (community Credit Services) - Loan: 500 Withdrawn: 665
PayDay Services - Loan:200 Withdrawn: 316
Cash In a Wink - Loan: 400 Withdrawn: 120
Extra Cash Live - Loan: 400 Withdrawn 360
Big Sky Cash - Loan: 400 Withdrawn: 480
EastSide Lenders - Loan: 700 Withdrawn: 210
Ace Cash Services - Loan: 350 Withdrawn: 210

They were all internet loans.

Thank you so much for your time and help!

All the PDL companies are illegal. You are legally bound to pay only the actual amount borrowed from them. So, it seems that you actually owe refund from most of them. Click on the following link to know how to deal with these illegal lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html.

As for your query on whether you should call or not, I would rather advise you to communicate only through emails.

Can anyone help me to find email addresses and phone numbers for these companies? I am having a very difficult time :(

Quote:

Alpine Direct Services, LLC 6100 Neil Rd STE 500
Reno, NV 89511-1159
Phone: (866) 699-3850

Summit Group LLC (AKA SSM Group)
1-866-463-2130
Fax: 1-866-463-9412
Phone: 1-866-828-6351
Fax: 1- 866-828-6352

SSM/SJM (they are the same)-unlicensed/illegal
SJM Marketing 1-866-722-2770, Fax 1-866-599-5161
email: info(at)platinumbservices.com.
SJM/Platinum B Services
PO Box 558
Shawnee Mission, KS 66201
1-866-722-2770
Fax 1-866-599-5161

Vip Loan Shop Unknown
Summerville, SC 29485
(866) 598-1100

Community Credit Services 42 Reads Way, Suite 124
New Castle, DE 19720
Phone Number: (866) 628-6194
(800) 648-1276
(866) 443-9973
Fax Number: (866) 443-9969

Payday Services P.O. Box 29502 #15050
Las Vegas, NV 89126-9502

Payday Services Plus 450 S. Madera Ave
Madera, CA 93637

PayDay Services Plus 2824 N. G Street
Merced, CA 95340

Phone Number: (800) 420-8023

Cash In A Wink 3422 Old Capitol Trail, Suite 1109
Wilmington, DE 19808
Phone Number: (302) 636-7581
(302) 996-3199

You can do a search of these at this forum or the BBB. Sorry but I don't have time to search for the rest of the addresses right now!

THanks so mcuh for your help. I just sent an email to the State of NH Banking Department asking whether an internet lender had to be licensed in NH to lend to NH consumers and got this response:

[LEFT]The company will need to be licensed to conduct business. Please review RSA 399-A, which can be found at our web site www.nh.gov/banking under the laws and rules tab.[/LEFT]
[LEFT][FONT=Arial][SIZE=2][COLOR=#0000ff][/COLOR][/SIZE][/FONT] [/LEFT]
[LEFT]Sincerely[/LEFT]

[LEFT] [LEFT]Nancy Burke[/LEFT]
[LEFT]Asst. Regulatory Analyst[/LEFT]
[LEFT]Consumer Credit Division[/LEFT]
State of NH Banking Dept
53 Regional Drive, Suite 200
Concord NH 03301
Tel: 603-271-3561




Does this mean as long as the payday loan company is licensed SOMEWHERE it is legal? And how do I find out where the company holds licenses?

Fax: 603-271-1090
[/LEFT]

Did you read the section that she mentioned? I clearly says that they need to obtain a license from the commissioner.

399-A:2 License Required. –
I. No person shall engage in the business of making small loans, title loans, or payday loans in this state or with consumers located in this state, without first obtaining a license from the commissioner as provided in this chapter.
II. Each such license shall terminate on December 31st. Each license shall remain in full force and effect until surrendered, revoked, suspended, or terminated.
III. This chapter shall not apply to any person lawfully engaged in business as permitted by the laws of this state or of the United States relative to banks, trust companies, insurance companies, savings or building and loan associations, or credit unions, or to loans made by them, or to any other person not within the intent of this chapter as the commissioner may designate by rule or order, nor shall this chapter apply to any person engaged solely in the business of making loans for educational purposes or to the loans made by such persons.
IV. Any person not exempt under paragraph III, and the several members, officers, directors, agents and employees thereof, who shall willfully violate or participate in the violation of any provisions of paragraph I shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person. If in the making or collection of a loan the person violates paragraph I of this section, the loan contract shall be void and the lender shall have no right to collect, receive, or retain any principal, interest, or charges whatsoever.
V. Any person who willfully violates any provisions of RSA 399-A:8-a, I or II or a cease and desist order or injunction issued pursuant to RSA 399-A:8 shall be guilty of a class B felony. Each of the acts specified shall constitute a separate offense and a prosecution or conviction for any one of such offenses shall not bar prosecution or conviction of any other offense.
VI. The provisions of this chapter shall apply to any person who seeks to evade its application by any device, subterfuge, or pretense, including, without limitation:
(a) Calling a loan by any other name;
(b) Using any agents, affiliates, or subsidiaries in an attempt to avoid the application of the provisions of this chapter; or
(c) Having any affiliation or other business arrangement with an entity that is exempt from the provisions of this chapter, the effect of which is to evade the provisions of this chapter, including, without limitation, making a loan, while purporting to be the agent of such an exempt entity where the purported agent holds, acquires, or maintains a preponderant economic interest in the revenues generated by the loan.

VIP Loan Shop has told me they are sending me to collections for refusal to pay. Will they really do this. I have filed complaints on them with the BBB and informed them several times of NH's state laws. What else can I do?

If they send you to collections, the CA won't be able to collect anyway, since this is an illegal loan. There's no way they can validate it. I would simply continue to respond to them with your original letter.

Just a quick update for anyone that is interested:

Alpine stated through the BBB they would consider my account paid in full. I still pushed for a refund but no reponse yet.
SSM Group, LLC provided me with a 350 refund.
VIP Loan Shop has been brutal...but I havent heard anything from them in a couple weeks.
CCS provided me with a 165 refund
Payday Services did not respond to the BBB complaint..and I have heard nothing from them.
Cash In A Wink considered my account closed and paid in full.
Extra Cash Live I have not heard anythign back from them
Big Sky Cash continues to harass me however the NH State Banking Department has let me know that they are investigating them currently..hopefully it will result in a cease and desist.
Ace Cash Services has not responded to any emails but i have also not heard anything from them.
East Side Lenders has been brutal. They responded to my BBB complaint that they are legal in the state of delaware therefore my debt is valid. They harass me by phone and email and I am not even sure of how to move forward with that one.

All in all it has been a long process and so far I have only recieved word that I am considered pif with two, and recieved refunds from 2. Still a long ways to go...

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