Hurt in accident and stupid in bills

Paydaymax- IN CANADA...PROBABLY NOT LICENCED $440.00 / $426.87 / $390.00
Discountadvances- ILLEGAL...OFFSHORE IN ST LUCIA $980.00 just took out loan on friday. I have had several loans with them in the past- don't know if those count or not. previous loan with them was $700.00 and I paid them $1662.50

Go thru all your loans...see if they are offshore or tribal...those would be illegal.

Read your state laws...
Lending of payday loan is considered legal in the State of Michigan.

Loan Specifications

• Maximun Amount of Loan - $600
  
• Term of Loan - Maximum 31 days
  
• Maximum Rate of Finance and Fees - 15% interest rate on the first $100 loan; 14% interest rate on the second $100 loan; 13% interest rate on the third $100 loan; 12% interest rate on the fourth $100 loan; 11% interest rate on the fifth $100 loan; 11% interest rate on the fifth $100 loan + fees for any database verification
  
• Finance Charge on $100 loan for a 14 day period - $15
  
• APR for $100 loan for a 14 day period - 390%
  

• Maximum Number of outstanding loans permitted at a time - 1 with licensee/ more than 1 with any other licensee
  
• Permissible number of Rollovers - None (Renewal cannot be done; extension can be offered by the lender if and only if it doesn't charge a fee.)
  
• Repayment Plan - Yes
  

• Collection Fees Amount - 1 return check charge of $25
  
• Criminal Action - Prohibited
  

• Regulator - Michigan Office of Financial and Insurance Services
  
• Address - P.O. Box 30220 Lansing MI 48909
  
• Phone - (877) 999-6442
  
• Fax - (517) 335-4978
  

the only one i wonder on is firstamerican.every other lender is illegal in MI.go to the sticly titled (dealing with illegal lenders)at the top of the pdl help forum.it has everything you need including template letters,and every step to get these places out of your life.you have the first step in closing your account.do that and go to the sticky.

Thanks for the quick info. I have searched pages and pages and hours and hours, just nervous about all of this. Just making sure I have all of the correct info before I proceed and unleash the animals on me. Atleast they can't call me at work, however I have worked there over 9 years and never recieved a creditor call at work- that scares me... I would like to go back when I am healed up.

I have closed my account at my bank and here are the facts of the loans...

loan company # of loans loan amount payments made loan shop 4 $2,100.00 $5,700.00 integrity advance 3 $1,900.00 $6,245.20 Discount Advances 3 $1,940.00 $2,296.25 paydaymax 13 $9,905.00 $21,496.05 GECC- cashhdirect 1 $500.00 $1,558.75 First America Credit 1 $800.00 $1,254.09 Vince enterprise 1 $300.00 $1,440.00 Global Group 1 $300.00 $1,440.00 web500fastcash 2 $700.00 $1,830.00 webusfastcash 2 $900.00 $2,055.00 plaingreen/think cash/fbd 3 $3,800.00 $4,284.72 vip loan shop 1 $500.00 $2,705.00 my quick loan/rapd4u 4 $2,350.00 $7,590.00 my next paycheck 4 $1,700.00 $4,055.00 zip19/northway 10 $7,700.00 $7,942.68
totals $35,395.00 $71,892.74
difference$36,497.74
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I live in Michigan andjust want a final ok from someone if before I send the letters. I have included a letter below for an expert to proof before I send it. Sorry, I am just trying to make sure that I cross my t's and dot my i's. Thanks in advance for your help!

I sent the letters and have received response from 5 of the companies. 3 of the 5 acknowledged recript of the letter and will respond later. 1 email came from integrity advance and I was wondering if I should continue to push for a refund still or leave the bee's nest alone. This is their response...

I am writing in response to your email dated 11/30/11. Integrity Advance appreciates the opportunity to clarify our business operations.
With respect to the complaint you filed with us, Integrity Advance debited your account in accordance with your written loan agreement with Integrity Advance. Integrity Advance is disappointed to know that you are unhappy with the service you received. With no obligation to do so, we have marked your current loan as ???paid in full???. Integrity Advance believes that this addresses your concerns about your complaint.
No further considerations will be made on your account. Your current loan has been deemed as ???paid in full???.
Thank you,

This is where I stood with them...
I have already paid your company $6245.20 beginning February 23, 2010 for loans in the amount of $1900.00 and therefore I am demanding a refund in the amount of $4345.20 and a Paid In Full letter in regards to your company.

The Second email response came from Plain Green and I am not sure how to address this...

This letter is written on behalf of Plain Green LLC (???Plain Green???), to whom you directed correspondence dated November 30, 2011, regarding its business practices. Plain Green is happy to clarify its status as an ???Arm of the Tribe??? that is not subject to State regulatory jurisdiction.
Plain Green is organized under the laws of the Chippewa-Cree Tribe of the Rocky Boy???s Indian Reservation of Montana (???Chippewa-Cree???). Plain Green is owned by the Chippewa-Cree, and operates exclusively on land owned by the Chippewa-Cree. As such, Plain Green stands as an ???Arm of the Tribe,??? in the view of the United States state and federal courts. Therefore, loans made by an arm of a sovereign Indian nation are not subject to state law.
This letter is written as a courtesy, to help you understand that Plain Green and its loan contracts are governed exclusively by the laws of the Chippewa-Cree.
Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account. You currently remain obligated for the balance on your loan. We recommend that you contact our Account Services department at 866-420-7158 to make payment arrangements.