pdl

check NY state laws http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html , are they internet or storefront , how much you borrowed and paid so far

NONE are legal because payday loans are prohibited in the state of N.Y. CLICK HERE to find out how to deal with illegal lenders.

they are all internet loans.
ace cash is 300. w/ 90 fin... paind 90. + 50

my cash now is 190 w/ 21.48 fin Paid 0

my next paycheck is 400 w 120. fin Paid paid 395 together w/ finance fees

us fast cash is 150 w/ 45. fin paid 45 +45.

Quote:

so i should close my account and start sending letters? I just never been in trouble with the law and not looking forward to the fight.. but it got out of control and they dont listen or work with ya..
I got the letter template. thank you.
been reading and exploring this site and what is being done and said. Hope i can come back here for advice if i need it.
thank you

The first steps are always the hardest, but there IS a light at the end of the tunnel! Per the other posts, check out the "stickies" on illegal PDLs and also on closing your bank account. (be sure the bank acct is closed before sending the letters) Please keep us posted!

what are the "stickies"? do you mean the the sites?

this is on ace cash services email with agreement documents.. does this apply to me in new york?...
Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applications on the basis of race, color, religion, marital status, sex, national origin, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the FDIC Consumer Response Center, 2345 Grand Boulevard, Suite 100, Kansas City, Missouri 64108

Ace cash services and one click cash have this in thier agreement... do i have to fees still?....
AGREEMENT TO ARBITRATE DISPUTES: By signing the application and to induce us, OneClickCash, to process and consider your application for a loan, you and we agree that any and all claims, disputes or controversies that we or our servicers or agents have against you or that you have against us, our servicers, agents, directors, officers and employees, that arise out of your application for a loan, the Loan Agreement that you must sign to obtain the loan, this agreement to arbitrate disputes, collection of the loan, or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, or otherwise, shall be resolved by binding individual (and not class) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF" ) in effect at the time the claim is filed. This agreement to arbitrate disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, or at National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405. If you are unable to pay the costs of arbitration, your arbitration fees will be waived by the NAF. Any arbitration hearing, if one is held, will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. This Agreement To Arbitrate Disputes is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by signing below you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above.
Governing Law: Both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and by signing below or by your electronic signature, you hereby contractually consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lenders is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of residency. .AOLWebSuite .AOLPicturesFullSizeLink { height: 1px; width: 1px; overflow: hidden; } .AOLWebSuite a {color:blue; text-decoration: line-through; cursor: pointer} .AOLWebSuite a.hsSig {cursor: default}

This is the sticky. http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html And the answer regarding whether you still have to pay the fees is NO! They'll try to tell you that you do but they are wrong.