Pay day loan help

Hi there, I will need to do a little research before I reply.

The following lenders below are not licensed/legal in your state:
Flash Loans
Northway Financial
National Payday
Paydaymax
Wages Fast
Ace Cash Services.

You need to close your account! [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders. I am checking on the rest of your lenders.

What is the actual name of "Companyprincipalinterest"?

Think Cash is a legal lender, in fact, they are a bank so they aren't required to follow the payday loan laws, you will need to make payment arrangements with them. I would worry about paying off your legal lenders for now until you can get back control of your finances.

I am unsure about Cash In A Wink, I can't get the Alabama licensee web site to open.

company pricipal interest was just my heading.

I had copied it from excel.

So my best bet is to close my account and then pay off my legal lenders and then proceed with the ilegal ones?

So far I have paid wages fast $871.47 over the amount of the pricipal loan.
I have paid flash loans $786.50 over the amount of the pricipal loan.

Thanks for the help so far
jeremy

Companyprincipalinterest is just the heading I had in my excep spreadsheet I copied and pasted.

So what should my first step be? I am okay with setting up a payment plan with my legal lenders. Should i go ahead and close my account though?
So far I have paid flash loans $786.50 over my principal loan amount.
I have paid wages fast $871.47 over my principal loan amount.

What about speedy cash? I had a loan wtih them but I have paid it back already. if this was an ilegal loan could I email them the template and try and get a refund on all the interest I paid?

Thanks so much

[quote=jreeves]Should i go ahead and close my account though?[/quote] Yes, you definitely need to close your account. You can tell your legal lenders it was closed for security reasons or something. They shouldn't really care as long as they get their money. And maybe afterward, try and pay them with a prepaid card from Walmart or money orders because you really don't want them to get your checking account numbers again. [quote=jreeves]What about speedy cash? I had a loan wtih them but I have paid it back already. if this was an ilegal loan could I email them the template and try and get a refund on all the interest I paid?[/quote] Yes, if you overpaid your illegal lenders, send them a letter and make sure you complain to the FTC, attorney general, BBB, etc... But keep in mind these lenders might ignore you and not refund any of your money. But hey you can't lose anything (don't disclose your checking account number! Let them send it by check/money order), and if you get back anything that is a win!

I got this response back from wages fast. One of the lenders who i had already paid off my loan with.

Please refer to your copy of any of the Loan Agreements you have from any of your loans with us. The loans were not funded from, nor are we located in, the State of Alabama. Your request for a refund is denied as none is either due or substantiated. Thanks, Customer Service



Is there anything else i can do with them? sounds like they are just wanting me to go away and hope i dont push the issue

Did you complain to the FTC, BBB, your attorney general and let the PDL company know that you have complained to all of these people?

jreeves.re-send your email,and file the complaints advised.the old "you are bound by our state laws" is a joke.

I will resend the email and notify them that i have filed complaints then see what happens.

thanks

Please keep us posted!

After I sent the email again and saying I had complained to the BBB, FTC, and my attorney general this is the response I recieved.

There is no issue here. The matter is closed. Any further contact made will be closed without reply. Customer Service

I understand that since I have paid this loan in full I might not have much luck with them in getting a refund, but i just hate taking this answer from them. Even after sending the email template 2 times i sent a seperate email just asking for them to send me a proof of license in the state of Alabama and they simply stated this matter was clsoed.

Is there anything else I can do in this situation?

Let the experts chime in, but other than outright suing them (which is probably not worth it since the costs would probably exceed anything you could recover), I don't think there is much you can do at this point. It's hard, but you might just have to chalk it up as a lesson well learned--never go near PDLs.

who sent that?which illegal was it?sounds typical of either ace or wagesfast,but you never mentioned who.

I have question of 2 more pdl. integrity advance and vip cash. Are these two internet lender ilegal in the state of Alabama?

Thanks

It was wages fast who sent that response. I asked for a fax number or even an email to send all this two and they said you had to submit a customer service ticket. what a joke!!!

yes integrity and vip are not legal anywhere so yes they are illegal,and as far as the response.i thought as much.typical of wages fast to try that.