Paying off my legal lenders, how can I beat the illegal lenders?

Wisconsin state PDL laws are a little bit tricky. You can get the PDL laws of your state by clicking on the following link: paydayloaninfo.org/stateinfo/WI.asp. Read and understand it well.

As for the sample letter to be sent to the illegal lenders, go to this following link and check out the letter posted there: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html.

Thank you! I sent 4 emails already. I am lucky enough to have been given money from my parents to cover everything, but I'm still in for the fight.

has anyone had luck with:

DJR Group
United Cash Loans
USFast Cash
Cashback Payday Advance

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If you are not getting any responses from these illegal lenders, keep sending them emails on a regular basis. Flood their inbox with the mails. You will eventually get response from them.

so the one thing that scares me is that it almost looks like payday loans are legal in Wisconsin. there's no limit to anything (roll overs, APR, etc...). do i have any leg to stand on?

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*update* (sorry, i'm trying to register but the site is having issues)

1. I received a response from DJR Group saying that they'll take me to collections, even though I've already paid more than the principle and interest. I sent them the same letter again twice. I don't know if I should say something else in response to their threat.

2. USFastCash has now blocked me from signing into my account, but they have not sent a response back. Does this mean that I'm in the clear and that they won't try to withdraw any more funds from my account? Either way, I'm still going to pressure them to give me a refund because I've paid waaaay more than I should have.

Looks like payday loan laws are almost non exist in WI. With that said, you would not be due a refund just because you paid them more than you think you should have. You really dont have any legal leg to stand on. You probably should have done a bit more research before shooting off those letters.

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You should contact the Wisconsin Department of Financial Institutions and ask about this. They are the best persons to tell you about this.

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I would probably think they are illegal in Wisconsin. Illegal lenders, generally, take this step when they see that the customer know about their legality and is threatening their business.

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That's great!!!! So, you actually owe them the principal loan amount only. Check out the following link to know how to deal with these illegal lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

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thanks for your help everyone! i'll keep you updated. i plan on registering also. if i can successfully beat these companies, i look forward to sharing this with others in the same trap!

Yes, we all have been helped by this site and so, we are here to help others with our experiences. Register with the site as it will help you to keep a track on your queries.

So far, so good. DJR sent me an email stating that they are marking my account "Paid In Full". they also stated that i will not get a refund. i probably could fight this, but i feel fortunate already. i've now sent 3 emails to both USFastCash and UnitedCashLoans, threatening legal action if they do not provide a refund for the amount i've overpaid. i'll keep you all in the loop.

ps. is there a problem with the website, or is it just me? i've been trying to register for over a week now and i just get a "page cannot be displayed" message.