Loan advice/help in Louisiana
Date: Tue, 09/11/2012 - 07:39
I have found lots of great advice on this forum and am looking for some additional help about PDL's in Louisiana. I am looking to find out if all these are legal in LA and/or what I can further do to approach them. I have emailed all and some are telling me that I signed a contract and they dont have to be licensed in LA, blah blah blah. I see that LA laws state loans no more than $350 can be given, $45 is the limit for finance fees and no rollovers or refinances are allowed. But of course all are telling me they are licensed elsewhere and governed by those state laws.
Please let me know if these are all legal and what steps I should take:
These are all online PDL's.
Cash Central
Sure Advance
Integrity Advance
Cash Direct Express/GOVT EMPLOYEES
NOU/Its My PayDay **have not responded to any emails
Eastside Lenders **have not responded to any emails
American Web Loan
Western Sky/Cash Call
Thank you so much for your help!
None of your lenders are legal in your state. You can follow th
None of your lenders are legal in your state. You can follow the step by step advice in my signature link for dealing with them. Sounds like you may have already started the process?
Thanks for response
Hey OhioGal!!
Thanks for your response....
I have in fact started the process and have, in place, one settlement offer that I accepted. I also had one company right me just now and state that while they know they were handling everything legally, they told me that my loan would be considered "satisfied in full." I was very happy to see that!! I had written them a letter stating that they actually owed me $291 dollars so I guess this is what prompted them to settle my loan! YAY!! I checked online and it was "Settled" in full!!!
Now, as far as the others, they are telling me that they are legal in LA as they do not have to have a license. What makes them illegal in my state? Can you help?
Also, I have NOT heard back from any of my attempts to contact East Side Lenders and NOU/Its My PayDay. I started trying to contact them before my last payday, Sept. 7th, but they still debited my account.
Thanks for your help! :)
If you go to each of the lenders' websites and check, any that a
If you go to each of the lenders' websites and check, any that are "tribal" or offshore are illegal by default. The contract that you signed with them in unenforceable, therefore void.
Just as an update, I have received an email back from Cash Centr
Just as an update, I have received an email back from Cash Central telling me that my loan is paid in full and I have verified this on their website!
I am so very thankful for all the good advice on this forum.
Now if I can only get the other companies to respond......
Congratulations on the victory! Keep that PIF in a safe place f
Congratulations on the victory! Keep that PIF in a safe place for future reference if needed
