HELP with Pay day Loans

Rollovers are not permitted in Virginia so on this basis alone, your PDL;s would be illegal. I am not sure of the legality of cash call since that is an installment loan. But you do have illegal payday loans...follow the link in my signature line on how to deal with them.

VIP Loan Shop $400 ILLEGAL OFFSHORE
90 biweekly

White Hills Cash $600 ILLEGAL TRIBAL
100 biweekly

Cash Call $2900 CASH CALL...INSTALLMENT LOAN...NOT SURE OF LEGALITY
$295 a month

Cash Call $1300 .INSTALLMENT LOAN...NOT SURE OF LEGALITY
$167 a month

Advance me today $700 ILLEGAL
168 biweekly

Virginia Payday Loan Laws

State Legal Status
Lending of payday loan is legal in the State of Virginia.

Loan Specifications

• Maximum Loan Amount - $500
  
• Term of Loan - Minimum two pay periods
  
• Maximum Rate of Finance and Fees- 36% annual rate of interest + verification fee of $5 + 20% of the loan
  
• Finance Charge on $100 loan for a 14 day period - $26.38
  
• APR for $100 loan for a 14 day period - 687.76%
  

• Maximum Number of outstanding loans permitted at a time - 1
  
• Permissible number of Rollovers - None (cannot be renewed, refinanced or extended)
  
• Cooling-off Period - One day after pay, forty-five days after the fifth loan, ninety days after payment plan
  
• Repayment Plan - Yes, once per annum
  

what do I need to do to get out of these. Please help me to solve this problem.

Did you read the link in my signature line as I explained above???

How do I go about discussing this with the company and telling them what I have found and what I have paid over the past 4 months it should be paid off.

can you tell me of any pay day loan consolidation companies?

You can get a list of debt relief companies from this list:

http://www.debtconsolidationcare.com/companies/usa-listing/

Which state are you in?

Are your loans legal? Don't waste money on consolidation, you may not owe anything further and could potentially be owed a refund from some or all of your lenders.

What state are you in?
What are the names of your lenders?
How did you get the loan (online, storefront)?
How much did you borrow from each?
How much has been debited from your account for each?

VIP Loan Shop $400
90 biweekly

White Hills Cash $600
100 biweekly

Cash Call $2900
$295 a month

Cash Call $1300
$167 a month

Advance me today $700
168 biweekly

virginia

I contacted the Advance me today and they said that federal laws are allowing them to do this and that they are not breaking any laws. Can you please help me to do what I need to.

Read the link in my signature line and follow the step by step instructions.

There are no federal laws regarding payday lending. They're lying to you.

How much have you paid to each so far?

We your loans with CashCall orginally or did you get them through WesternSky and they were transferred to CashCall?

I have combined your two posts. Please do not post the same question in multiple threads. It causes confusion and double the work for all involved.

Thank you.

It was through western sky originally.

Also I do not see a signature line. Where is that located.

:rolleyes::rolleyes::rolleyes: Both Ohiogal and I have information below our posts....it is called a signature line. They are pretty easy to see.

I found them so sorry! Thank you for your help.

The link at the bottom of my post that says "How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions."

Click it. Read it. Follow the steps.

The loan was for $1000 we have had it since July 2011 and have paid 166.95 since August 2011. So far we have paid 1836.45

Then you should request a refund for the overpayment you've made of $836.45.

What should I say to file complaints to the attorney general, etc. Do you have something that is already wrote up that I can insert my information.

Have you heard about Blue Ridge Law Group?

I have contacted all the payday loan companies. They continue trying to take money out of my checking account at which they are being returned and they are calling our cellphones. What do we need to do next? Please Help!!

Did you do an ACH revocation????

Yes but they are still trying and they are calling our phones non stop