Pay day loan

You have a lot of illegal lenders, so I am sorry to tell you this but they don't negotiate, and especially with a debt solution company, they are wasting their time trying to negotiate with them because illegal lenders are nothing but liars and criminals, they will rob you blind the first chance they get. Besides, due to the fact that they are illegal you shouldn't be negotiating with them anyway, all you legally owe them is the principal amount you borrowed, less any payments you have made, illegal lenders are not entitled to interest and fees. They can't sue you because their loan contracts are not enforceable in a court of law.

I will do some research on these lenders and be back with a list of the ones that are legal and illegal, meanwhile, CLICK HERE to find out how to deal with illegal lenders.

Thank you i appreciate it . I certainly will not negotiate with illegal lenders. i will only pay back i think the one company where i did not pay back what i owed but i think i am only $90 off that with them .
Can they/do they report on your credit do you know and if so what can i do about it if anything

All of these lenders are unlicensed/illegal

Loanpoint USA
Loan shop
Usfast cash
United cash loans
SSM
PDY services
Bigskycash
Pluto cash they are the same as Zip Cash

Did you get a loan over the phone with Access Processing? Do you have a website address for them?

I doubt if they will report to any CRA's, but if they do you can easily dispute it on the grounds that they are not licensed to lend.

I am going to give you link to read, it is very interesting and will give you an idea of how all these Internet payday lenders are all connected in some way.
READ ABOUT PAYDAY LOAN SCAMS!

Thanks for All the info regarding access processing it was over the phone
with a man named Dan Buckley I have never managed to find a web site for them

but Access processing are also illegal correct? i want to be absolutely sure of myself before i deal with these companies

I replied to your PM. :)

I was just recently scammed and part of the money sent was obtained via payday loan. you can add advancemetoday to your list. It cost me 1000 or more to pay off a 400 dollar loan. I would not recommend this to ANYONE. It is nothing but highway robbery. In the last e-mail they sent me the address on the bottom was Costa Rica-why? Are they in on the scams too? These people are nothing but scum. I still do have the e-mail if anyone is interested in seeing it.

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so really how DO you find out if they are licenced or not? most of these places have multiple addresses if they are even correct and big sky cash say they are on tribal land...not all states seem to obviously list their licenced PDL companies

You can check your state licensee data base at the link below, a data base doesn't always tell the whole story and most Internet lenders have more than one name, that is why it's important to research these companies;
http://finance.mo.gov/licenseesearch/

Whoops sorry, you are in TN.
http://www.tennessee.gov/tdfi/compliance/Lic_DP.html#P

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Oh i dont want you to think i was questioning what you told me i just wondered how people go about finding that out... Certainly most of the states dont make it easy to see licences, however TN actually wasnt hard. I appreciate all your help

You have every right to question where we get our information, don't take me the wrong way, I completely understand where you are coming from because I have walked in your shoes, which is the reason I am here, to help people get out of this payday loan cycle.