Payday Loan Default

Cashnet USA $725 in which they are telling me I owe $936.25
LEGAL IN TEXAS.

Integrity Advance is saying that I owe $440 and can't explain all the fees
ILLEGAL...OFFSHORE...NEVIS WEST INDIES

American Web Loan $500 ILLEGAL...TRIBAL

The Cash Line - ILLEGAL...INTEREST RATE EXCEEDS TEXAS MAXIMUM OF 309%

You need to read the link in my signature line...you need to do both ACH and wage garnishment revocations. A copy of the ACH revocations needs to be given to your bank asap. 3 of your loans are illegal...you owe them principal only, no fees, no interest.

According to The Cash Line's website, they don't offer loans to TX residents. Did you use a different address when you applied?

[FONT=Tahoma][SIZE=2][FONT=Tahoma][SIZE=2][FONT=Arial][FONT=sans-serif][FONT=sans-serif][FONT=sans-serif][SIZE=3]Thank you for contacting our customer service department. We have reviewed your account and find that there is a misunderstanding regarding our ability to lend to residents of your state. Please refer to the opening paragraphs of your lending agreement for further explanation, or feel free to contact our customer service department at 1.877.636.1353 if you have any questions.

They didn't address anything else I said in my letter other than I must have a misunderstanding of their ability to lend to residents in my state.

This is what I sent to them.

[/SIZE][/FONT][/FONT][/FONT][/FONT][/SIZE][/FONT][/SIZE][/FONT]Dear Lender (American Web Loan -an arm of the tribe of the Otoe-Missouria Tribe of Indians),

It has come to my attention that payday lenders must be licensed by the state of (Texas) in order to offer loans to its residents. I have contacted the Texas Office of Financial Institutions and the Texas State Attorney General's Office regarding your internet payday loans and was informed they are indeed illegal as you are not licensed to lend to Texas residents. I was advised to pay what is due according to principle amount only of the loan. I further inform you that any contact with me is to be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office. Since your company has no license in my state and you are also a tribal entity, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $600 for loan# 212331 04/16/2012 and have had (4) bi-weekly withdrawals of $ 171.00 and (1) $271.00 debited from my account to total $955. This results in an overpayment of $355. At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $355 overpayment. A refund check of $355 should be mailed to me at the address you have on file. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. Once I inform you of this, you must stop the telephone contact immediately. You are also hereby notified that I am revoking any voluntary wage assignment I may or may not have signed. I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I am revoking your right to debit my checking account any longer. You, your company, or your affiliates are not authorized to debit my checking account at all. Please be aware that I have informed my financial institution of this situation and they will also be receiving a copy of this correspondence. Any further attempts at debiting my account or collecting funds in this manner will be rejected by my financial institution. Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email. Thank you,

They're full of it and they know it. Resend your original letter and demand results.

Oh no...That response wasn't from The Cash Line, I was from American Web Loan. They responded to me saying that I am misunderstanding them. I should still resend my letter to them??

Yes, keep resending until you get results you are happy with.