help-test

I will do a search and see if I can locate your first post! :)

I can't seem to locate it, if you are seeking advice, provide the following information, it will help us to help you:
-Names of each pdl company.
-Whether they are store front or Internet.
-How much you borrowed.
-How much you paid so far.
-The state in which you reside.

Thanks!!! ok, I will write it again, forgive me if it shows up some where else -new to this and thanks so much for the help-I need guidance that is for sure-should go to bed need to get up for work in the am but so sick about this mess I got myself in!!!
Here it goes-I live in RI-all my loans are on the internet-I closed my checking account and froze it, also stopped my direct deposit-spoke with pay roll and they only honor court orders for my wages.

So that being said-I might have alreay made a mistake, I have worked out payment plans with CashNet USA, Go Cash, ThinkCash and Everest Cash-and I gave them my new checking account info-was this a mistake??? Do you think they will share it??

I have others-My Cash Now-owe $710.71-due on 12/24
United Cash Loans-owe $520.00 due on 12/24
One Click Cash-owe $520.00 due on 12/24
The Loan Shop-owe $650.00 due on 12/24
they all have my closed checking account info. and I have no money to pay them back until the four loans above are paid-which will be in Feb. Any advice??

AND-I currently have $470.00 over due with Online Advance-can't get them to call me back or respond to my emails-run my a woman named Vera

and I owe $612.50 to Community Credit Services- I am sure it is more by now

And also have a loan with payday loan-yes but no contract, they deposited the money into my account the next day after I had signed for another loan-I tried to work out a payment plan with them and got yelled at, threatened and hung up on.

So I am scared and don't know how I got into this mess-if I am not able to pay back some of these soon enough do you think they will sue me??

Feel like hiding under a rock-thanks for any and all help!!!

what does "go advanced" mean-?again thanks for the help, feeling lost

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NONE of the below lenders are legal, NONE. All you owe any of them is the amount you borrowed, they are not entitled to interest or fees because your state does NOT permit Internet payday lenders! They can't sue you because these loans are not enforceable in a court of law, and they wouldn't show their faces in a court of law anyway because they are nothing more than criminals! I am going to give you two links below, click on them and READ them, follow the guidelines step by step, do not skip any steps! It is important that you read the information I am providing for you. As I said, if you ever want to get out of this mess you are going to need to close your account again and open a new one, if you don't, these lenders will rob you blind!

CLICK HERE to find out how to deal with illegal lenders.

Click the sentence below;

READ ABOUT INTERNET PAYDAY LOAN SCAMS!

My Cash Now
United Cash Loans
One Click Cash
The Loan Shop
Community Credit Services
Payday Loan Yes

OMG- I just want to confirm what you said-they are illegal in Rhode Island???-I spoke with two very nice people in the government here at the Bureau of Finance becasue I was trying to find the RI laws on PDL but could not find any, just the laws on check cashing companies. They could not tell me anything-but they did not say they were illegal.
But no where have I found that they are illegal in Rhode Island- So you think I should close the account even though I have worked out payment plans with these folks??? Will I get in more trouble??? This is making me so sick!!! Sorry for asking these questions over again. Can't concentrate at work!!!!

Next question-which I know is the least of my worries-will also this effect my credit scores??? (want to buy a house some day) Thank-you so much for all of this help-will follow the links above, can't tell you have alone I feel!!! thx, lost in RI at Christmas time :(

I will give you a link for the pdl laws in your state, below. It only applies to check cashers only, that is because a payday lender is required to have presence in your state in order to be licensed, obviously Internet payday lenders do not and RI can not regulate them. No matter because most of the ones you named above aren't legal anywhere anyhow. If you click on the link I gave you above about the payday loan scams you will get a better idea of how these criminals work! also make sure you read how to deal with the illegal lenders, it's very important that you follow the steps in that thread and do not skip any!
http://www.paydayloaninfo.org/state-information/47

By the way, do not feel alone, there are tons of people here who have walked in your shoes, and unfortunately still do. There is a light at the end of the tunnel, just follow through on the advice you receive here and everything will work out in your favor. If you should have further questions, feel free to ask, we will be here for you to guide you every step of the way!

The illegal lenders shouldn't affect your credit scores, if you should find them reporting to a CRA you can easily dispute it with a copy of your payday loan laws and informing the CRA they are not legal lenders therefore any negative mark should be removed.

Ok-thank-you so so much!!! So, the only two that are legal are ThinkCash and CashnetUSA??????????? I am concerned about my checking account becasue I need to keep it open to pay bills, it took forever to get my new checks and card the last time! uggghhhhhhh, not to mention need to finish Christmas shopping with this check.
Anyway, all this help is my Christmas present, unsure how I got into this mess but sure nice to know I am not alone getting out it!!!!!!!!!!!!!!!!!!!!!: :):) I hope we all find Peace in the New Year!!!

Welcome to the forum; there's no question too dumb to ask, we've all been there and are willing to help with our own PDL experiences. There IS light at the end of the tunnel, and it is a great feeling to get out of the PDL trap. RE your checking account; is there any way at all you can open a new one and transfer your funds to pay your bills? Putting a stop payment on the PDLs is a bit risky, as so many of them operate under so many names.

Good advice-I think that is what I am going to do, I have such a headache from all this stuff!!!! I think I am just going to leave the current four repayment plans in place, open a new account and transfer the money in and then follow the guidelines for the rest of the loans!! Thanks again!!!!

Sorry-one more question- you did not mention Online Advance, which seems like a small company run by Vera. :) Who won't call me back. I am a bit frightened by her :)
Are they legal? If they are what does that mean if the are illegal in RI-if they are legal then I should be actively trying to work out a payment plan with them? Next question will I need to pay them the interest on the loan?? Thanks again!

Online Advance is also illegal so you only need to repay the amount you borrowed. No fees, no interest, etc. Don't let Vera scare you. You have the power in this situation, not her. If I were you, I wouldn't "stick with your payment plan" for the 2 that are illegal. You're likely paying well over and above the amount you're actually required to repay them.

uggggggggggggghhhhhhhhhhhh this is so difficult to do when I am working full time, need some time to deal with all of this. These people do scare me becasue they are so off of the wall, I guess if I want a good laugh I will call those freaks back at Pay Day Loan Yes, I owe them $350.00 and was not able to give it them yesterday, I got hung up so many times it was unreal!!!! So again, thank-you all with helping me get out of this mess!!!!!!!

Keep us posted!

will do, thanks! :)

Hi all, just posted a response from Pay-DayLoan-Yes, after I sent the letter not sure how to handle it, thanks again for everything and helping me through this, if it all works out, you all will have said me thousands of dollars in interest.

So, I do have some questions, if I don't get a response, how do I pay back the principle amount owed, Do you think most will respond with an address where I can send the money????

Thanks, stressball in RI :)

Some will. Some won't. Just make it clear to them that, if they want their money, they have to give you an address. Period.

Most will refuse to give you an address and say they can only accept payments through your bank account, which is a ploy to obtain your new account number so they can rob you blind.

It isn't your responsibility to chase them down so you can pay them what is legally due, all you can do is reach out to them and let them know you are willing to pay them, but on your terms, whether they accept it or not is their problem. I wouldn't argue with them about it, if they respond with a bunch of legal jargon that basically states "you are governed by their law" or " they only accept payments with your bank account" just throw the ball back in their court and tell them; no address means no payments, end of story. :)

Ok-let me say thanks again-ok so Pay Day Loan-wrote back to me stating that the agreement that I signed states that the loan is "governed by all applicable federal laws where the lender is located-regardless of which state I reside in, forsaking residencey. How do I answer this, my guess is that others may say this to me-I just want to know what words to use so I am doing everything right.

-also since all of these loans are not legal my guess is that they dont have a license in any USA state, should I ask for their state license or is this dangerous ground?

last question :) do these companies have their own inhouse collections or do they farm them out? If they do then does the loan become legal, if the collections company is legal in the USA??? Sorry, again for not knowng this stuff.

So glad I have help with this, less stressed in RI :)

sorry-it was PayDayLoan-Yes

also-would it be good to just buy a prepaid visa card and put the money on it to pay them or should I just wait and let them send me an address knowing that some may never be paid???

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thanks!! He keeps telling me all sorts of stuff-like I have to abide by the laws in his state, so I asked him to send me a copy of his state license and the governing laws so I could review them and of course he ignored this and he said that Federal Laws don't apply. Unreal, why not give me an address so I can mail the $350.00 and be done with it!!

Do you mind answering my question above about the collection agencies-do these people hand the dept over to them or to they do it in house?? Do they sell the dept like they do with mortgage loans?

Just want to be sure how to handle this. Thanks again, it is so nice to be putting this all behind me!!!!!!
Merry Christmas!!!

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thanks again for everything you have done for me, before coming here I had contacted a few of the consolidation companies who were going to add $2000.00 on top of what I already owed, didn't share the above info. and were going to have me pay back the interest on the loans. I felt so lost and alone, now I can pay back the monies that I owe becasue it is now affordable and on my own terms. I will forever be greatful for your knowledge and kindness.
:) Andrea in RI

and will he contact my payroll dept. or human resources like he said?

I don't understand your question.

Sorry, I had add this second question to another post but the first post seems to be lost. My question is that I was contacted by Mr. West from NPA-I did not want to talk to him, how do I know which PDL he is working for? and is there an email address so I can send the letter stating not to contact me at work? or do I have to send it in the mail, there is an old post on here with an address for NPA, looks like he lies about what NPA stands for.

Happy New Year! and thanks for all of your help!

I have another question after reading an old post-if the loans are past over to a collection agency how do you know if they are legal and able to collect the dept? Is there a way of knowing? I have worked out a payment plan with some but most are ignoring my letter and keep calling me. I need to file the complaints, have not had a chance to do that yet, will do that today, maybe that will help.

Thanks!!!!

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OK I see, you are in RI.

Sorry, I am not great with this, I got a call from a Mr. West from NPA- I googled the phone number and found old posts here about him, but I left all of that info at work including the 800 #, it was on the other post that I lost-but he acted like he was from a law firm, but this is not true, I can send the info once I get back to work but it was something like national payday advance who I don't have a payday loan with.

Ohhhhhhhhhh, well, what has happened, one of your illegal Internet lenders has sold your information to another Internet criminal. Either that, or they are just using another alias's.

How should I go about dealing with him, if I don't know who he is working for? He gives different names for what NPA stands for.

I would just tell him you don't discuss financial matters over the phone and hang up. If they continue to call, don't answer it.

Ok, will do, thanks!!!

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I was going through a post over here and it seemed as if the PDL was working under multiple names. I believe it's become too tough to identify them at times. Before we do anything we must first check if they're operating legally!

Oh yes, all online payday lenders have aka's.

So confusing! the problem is they lie and tell you that they are operating legally and then start in on all sort of stuff like they are going to sue you for interstate check fraud. So it is better not to ask if they are legal and stick with sending the letters. But since you don't know who is representing who it is hard to know where to send the letter!! Im wish I was rich and could make this all go away!! :):)

maybe you can help me out, i have 2 paydays, 500fastcash and united cash, same company their form letters they sent to bbb are the same?? anyway, i cant get rid of these guys, i never wanted loan to begin with, they dumped money in my accont and now i dont know how to give it back, i dont trust them to say they received and paid in full??? at this point unless i meet them in court, i wont return the money, they certainly dont play by our same rules. so far i have made one payment, but now i closed my account after i looked up companies and really foundout who they are, thanks

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