ohio snd pdls

Hi, I know for sure that Integrity and Eastside Lenders are not legal in Ohio.
Cashnetusa is legal.

I need to do some research on the other two and will return as soon as I find out, meanwhile, read the link below on how to deal with the 2 illegal lenders I have named above, [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders.

Cashnetusa offers an extended payment plan, but you will need to request it. It will allow you to pay the loan off in 4 separate payments and the interest will stop as soon as you sign up for it.

Bayside Loans/ Bayside Federal Savings is a bank, so you will need to make some type of payment arrangements with them.

SureAdvance is NOT legal either.So add them to your list of illegal payday lenders.

You are going to need to close your account, that is very important. Since these illegal lenders have your account information, so does every other payday lender on the Internet, they sell off customers information to all kinds of criminals, so leaving that account open is absolutely not safe.

Forget the illegal lenders for now because they can't sue you, they can't do anything to you because their loans are not enforceable in a court of law. Just focus on the legal lenders and deal with the illegal lenders at a later time. You need to get back control of your finances. Read the link I gave you above on how to deal with illegal lenders. Talk to your legal lenders and explain to them you will need to begin making payments to them via the mail because your account has been compromised and had to be closed. Make sure you file complaints against these illegal lenders with the FTC and your state attorney general's office, you can file complaints online. It is very important that you follow through with the complaints and they will provide you with help in dealing with all this.

Thank you!
I had looked up Bayside Loans and could not find an address for them. CashnetUSA is arguing with me about payment plans....they also did "rollover" on that pdl.
I feel sick about this mess

There are two addresses for Bayside.
214-01 Northern Blvd.
Bayside, NY 11361
100 Jericho Quadrangle
Jericho, NY 11753
Phone Number: 718- 423-8000

Gosh, is it any wonder the banks in this country is in so much trouble, they loan money over the Internet, I mean for heavens sakes!
This is not intended in any way to offend you, it just baffles me how a bank could be so unrestrained!

Gosh no!! These pdls should be illegal everywhere!! (I kick myself for pdls)
Its funny you would think that these pdl would have a physical address on their sites.

Now, how do I go about getting refunds from the illegals..
And, negotiating payments to the "legals"? Cashnet USA did rollovers on my pdl which I found out is illegal in Ohio. I have already paid over $500.00 to them in the so called renewal/rollover.

Hi I live in Ohio too. Send out the letter shazzers has to the illegals. Sure Advance was the first to send me a paid in full letter. I had to fight with east side lenders. File complaints with the Ohio Attorney General and the BBB. Dont get down on your self I was there too. Now after six months Im pretty much done with this mess. Good luck you can get through this.

Whew!!!!!! Closed my account. ACH revocations sent via email. Now waiting for hate mail and phone calls to begin.

Well cashnet usa left a "robot" message again after i sent them an email to only contact me email or usps. sure advance sent an email "
"Please be advised that per your signed loan agreement, we must receive at least the minimum payment on each due date. This indicates we must attempt to debit the minimum amount due of XX on 12/31/2010. "

That was after i sent the ACH revocation letter today

WOW 50 complaints at Ohio AG website about cashnet USA!!!

I wish more people would file complaints, 50 doesn't seem like very many when you consider the number of people who apply for loans from Cashnetusa.

Thats true. I am filing complaints with FTC and my state AG. Got another response from Sure Advance. This is going to be fun haha.
Do you have a template or anything to help me write up a demand of refunds letter?

Well... I don't think that a template for sample refund letter is available here. You can contact an attorney and he will be able to help you in drafting the letter for refund.

That would be great.....if I had the extra money lol
I did send a demand of refund and paid in full letter to Sure Advance....we will see what response I get

It depends on how persistent you are, don't let them tell you no, use every resource available against them.

I have been doing more research on CashnetUSA......I was looking under House Bill 545 section 1321....it states that they cannot offer a loan when the borrower is not physically present (section1321.36)
[LEFT]Sec. 1321.36. (A) No person shall engage in the business of making short-term loans to a borrower in Ohio, or, in whole or in part, make, offer, or broker a loan, or assist a borrower in Ohio to obtain such a loan, without first having obtained a license from the superintendent of financial institutions under sections 1321.35 to 1321.48 of the Revised Code. No licensee shall make, offer, or broker a loan, or assist a borrower to obtain such a loan, when the borrower is not physically present in the licensee's business location.
(B) No person not located in Ohio shall make a short-term loan to a borrower in Ohio from an office not located in Ohio. Nothing in this section prohibits a business not located or licensed in Ohio from lending funds to Ohio borrowers who physically visit the out-of-state office of the business and obtain the disbursement of loan funds at that location. No person shall make, offer, or broker a loan, or assist a borrower to obtain a loan, via the telephone, mail, or internet.

[/LEFT]


The CashnetUSA payday loan was over the internet. If I am reading this correctly...I am only liable for the principle? The loan was for $700.00 .....Ohio caps loans at $500.00.

Help lol!!

Cashnetusa is registered as a Credit Service Organization, so, the payday lender laws do not apply to them, at least that is the way I am understanding the process:

Chapter 4712: OHIO CREDIT SERVICES ORGANIZATION ACT

I spoke with Cashnet USA about payment arrangements. They refused my offer and wanted 4 intallments over $200.00 biweekley. I gave them my offer and was refused!!!
any advice?

Sheesh, they refused you? Maybe someone else can advise you on how to handle Cashnetusa, keep checking back for replies.

yes they refused me...unbelievable!
I have no clue what to do now....they are starting to pile on fees

I too live in Ohio and am dealing with Cashnet USA and Eastside Lenders. Is there a draft of the letters used to communicate with them (e.g; revocation ACH,communication and refund request)? They were not very helpful via phone conversation.

I replied to your PM. Keep in mind that Cashnetusa is a legal lender, you need to make payment arrangements with them. Eastside Lenders is NOT a legal lender in Ohio, the only way to stop them from debiting your account is to CLOSE IT. For templates and a step by step guideline on how to deal with illegal lenders [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL].

Sure Advance sent me this email today :

[FONT=Arial]We are in receipt of your correspondence dated January 8, 2011 and are currently researching your account for the best resolution possible for both parties.
[FONT=Tahoma]While reviewing your correspondence, it is our understanding that you may have filed complaints concerning this issue with the Better Business Bureau and the State Attorney General’s Office. Please be advised in order for Sure Advance to properly respond to any of the complaint’s filed with the organization’s above, we must first receive a copy of the complaint from the organization you filed with.[/FONT]
[FONT=Tahoma]
If you have not already filed complaints with the organization’s listed above and simply want to resolve this inquiry promptly, please inform us by replying to this e-mail. Once received, we will view the correspondence already received by you as the complaint itself and respond appropriately. (Please note: This option may only be executed in the event that you have not filed any complaints with any organization concerning your inquiry.) [/FONT]
[FONT=Tahoma]
If you have any additional questions or concerns, please contact me using the information below.
[/FONT]
[FONT=Tahoma]Thank you,[/FONT]

[FONT=Tahoma]Customer Relations Supervisor
(877) 886-3063 (w)
(877) 886-3064 (f)

like I'm going to give up? haha
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At least you're getting somewhere!

yes hopefully a refund :D

Update:
I received a cmrr from Sure Advance today pretty much stating my account is paid in full. I am still going after them for a refund. They still wont answer the BBB complaint.

You have them running scared!