Sick and Tired of Being Sick and Tired !!!

Have you read the Ohio state laws?? Ohio is a low interest state...they cannot charge more than 28% ... thus they probably all illegal.

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I will have to check...I have been doing alot of research over the past coulple of days...thanks

All you need to research is your state laws....it tells the whole story

CheckSmart and CashNetUSA are legal in Ohio. The other 2 are not.

You've closed your account, that's step 1. CNU is usually pretty easy to work with. They will give you an extended payment plan if you ask for it. With CheckSmart, you may have to simply default and set up payment arrangements with collections.

The other 2 are not licensed to lend in OH. You should only repay the principal amount of the loan (e.g. you borrowed $300 and have paid a $90 rollover fee 3X so you only owe them the remaining $30), no fees or interest are payable. If you???ve overpaid, ask for a refund. Be sure to include ACH debit and Wage Assignment revocation language when you send your letter. Email is fine. Don't waste money on postage :)

[FONT=Arial]Follow the advice [COLOR=blue]in this thread[/COLOR] to learn how to deal with illegal lenders. You will find sample letters and other useful information, shared experiences, etc. [/FONT]

You can also contact the regulatory agency below for further assistance:

Ohio Division of Financial Institutions
77 South High Street
21st Floor
Columbus OH 43215
Phone: (614) 728-8400

do I send the ACH and wage assignment to each PDL I owe and my employer. How does that work.

You send the illegal / unlicensed lender letter to each PDL and also give a copy of each letter to your employer. You may also want to save an additional copy for your records or in case you need it for your old bank account.

You can find sample letters in the link I provided in my previous post.

Concerning cash in a wink, I'm dealing with them now. They are calling me about 6-7 times a day and also calling my references. They've been threatening me with nonvoluntary wage assignment and legal action for about 2 weeks now. I can't remember how many times I've sent the letter. Everytime they call I send it. Along with it I send the payday loan laws of Ohio. Internet payday lenders must have a location in the state of Ohio. CIAW does not. Even though they have a Delaware address on their website, their collection calls come from A-1 Premium Acceptance in Kansas City. I have filed complaints with not other the Ohio AG, but the Delaware and Missouri AGs. Below is the link to the payday loan laws in Ohio:

http://http://www.legislature.state.oh.us/analysis.cfm?ID=127_HB_545&ACT=As%20Enrolled&hf=analyses127/08-hb545-127.htm

Thanks Scooter for the info. I don't recall giving cash in a wink any references when I applied. However, I will be in contact with them trying to make payment arrangements with them. We will see how this goes.

Do not repay this organization. They are a Japanese owned corporation who uses the La Posta Band of Mission Indians address in Boulevard, CA. The were busted so many times under the previous D/B/A's they were using, they have partnered w/ La Posta to enjoy sovereign immunity from state law(s). Basically, The Japanese Mafia.

Thanks Armstrong for the suggestion. However, I feel obligated to pay back only what I borrowed. It's a matter of principle and doing what is right (that is how I was raised). However, If they are trying to add on extreme fees thats a different story.. :-)