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Which of these PayDay loans are legal/illegal in Michigan

Date: Fri, 01/07/2011 - 11:55

Submitted by anonymous
on Fri, 01/07/2011 - 11:55

Posts: 202330 Credits: [Donate]

Total Replies: 19


I have 9 payday loans outstanding and I wanted to know if any of these companies are illegal or not and how to find out. They are as follows.

Manhattan Processing
PayDayLoan Yes
Great Sky Cash
Bottom Dollar PayDay Loan Services
Fast and Reliable Cash
CK Marketing
National Cash
Global Group
TLC Fast Cash


Thank you for the information, it is sincerely appreciated. I did check and none of the companies are licensed in Michigan. Is there a link to the law(s) in the State of Michigan that I can go to and include in the letters that I will send to each of the companies. Thanks.


lrhall41

Submitted by on Mon, 01/10/2011 - 06:21

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I have loans from east side lenders. Integrity, DJR , one click cash, nationwidecash, cashcure, direct express cash are these also illegal in Michigan??? I would really like to get out of these if they are:( or make some type of arrangement, And if they are what can i do about it ?/


lrhall41

Submitted by on Wed, 01/19/2011 - 15:48

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East side lenders is illegal. Integrity is illegal. DJR is illegal. One Click Cash is illegal and run by an Indian tribe. They are known to use rather aggressive tactics. Do NOT back down, you owe them only principal. Nationwidecash is illegal. Cashcure is illegal. Direct Express Cash is illegal. So all these internet "lenders" should be illegal ones in MI. (If there is a storefront in there somewhere, let me know.) But otherwise, follow the directions in this sticky thread on how to deal with illegal lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html


lrhall41

Submitted by Remember Remember on Thu, 01/20/2011 - 07:40

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No, never admit to owing a debt to a collection agency. They are required to send you a dunning letter via the mail within 5 days of their first contact with you per federal law (FDCPA), at which time you would send them a debt validation letter, but you can cross that bridge when and if you come to it, I rather doubt it will happen.


lrhall41

Submitted by Shazzers on Thu, 01/20/2011 - 08:42

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well the account is closed and my bank was awesome and the lenders ALL received their letters and they are not willing to refund or anything at this point, nationwide cash says they don't need any license in any state since they have a trade agreement?? Whatever that means I believe it means they are full of crap so when I hear from them again I will just simply tell them to meet me in Michigan and we will go to the nearest court house and settle it in front of a judge. thanks for your advice and your post on here it has been very helpful and I didn't realize they {any of these Lenders} were illegal to lend in Michigan. i have paid them over the amount borrowed and thought it was odd that it was still coming out of my account.Well they won't be getting another penny :p


lrhall41

Submitted by on Thu, 01/27/2011 - 05:21

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I am glad that you are taking the bull by the horns, just keep your chin up and remain persistent. I have dealt with Natiowide and I can assure you they are buttheads.
Quote:

I will just simply tell them to meet me in Michigan and we will go to the nearest court house and settle it in front of a judge

That's an excellent way of telling them to shove it! lol I'm going to borrow that phrase for future use, if you don't mind!


lrhall41

Submitted by Shazzers on Thu, 01/27/2011 - 08:08

( Posts: 17344 | Credits: )


I am glad that you are taking the bull by the horns, just keep your chin up and remain persistent. I have dealt with Natiowide and I can assure you they are buttheads.
Quote:

I will just simply tell them to meet me in Michigan and we will go to the nearest court house and settle it in front of a judge

That's an excellent way of telling them to shove it! lol I'm going to borrow that phrase for future use, if you don't mind!


lrhall41

Submitted by Shazzers on Thu, 01/27/2011 - 08:09

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I got a receipt from sureadvance saying I was paid in full... nationwide sent an email saying I was paid in full and made the full payment on 1/28/11 which i didn't , eastside sent me an email saying they had some law I had to follow I told them too bad I had paid them above and beyond what I borrowed, Direct cash express said they would connact me in 7 to 10 business days after they did an investigation , I haveb't heard from the others just biding my time


lrhall41

Submitted by on Tue, 02/08/2011 - 03:30

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Today I have received 2 letters from a collection agency called Alliance Asset management regarding GECC and Cashcure both letters are identicle to eachother but they are saying I owe way more than what I do owe,, I got a loan from from Gecc and paid so far 708.00 for a $600.00 loan.. I got a loan from cashcure for $400 and so far have paid back $212.00 .. so I figure I owe GECC nothing and I owe the other morally 185... any suggestions on how to handle them??? i also looked up their license and they are not licensed to collect in the state of Michigan.. Should I send them a letter or email it to them??? They call my house at 15 times a day and I am about to give them an ear full the next time they call about collecting illegal PDL's and not having a license to collect in Michigan and they fact they have violated the law by writting that I owe an amount that is greater than the amount owed


lrhall41

Submitted by on Wed, 02/09/2011 - 04:28

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