South Carolina....Internet Payday Loan Help

South Carolina

Maximum Loan Amount: $300 (No Limit)
Maximum Finance Charges: $15 per $100 borrowed (No Limit)
Legally Operating Online Lenders: PayDayOne.com
Licensing Requirements: Online lenders must be licensed in South Carolina.




Who are the companies you have loans with

The Loan Shop and Oasis Marketing

Both are illegal. Follow the guide below on how tod eal with illegal lender

Thank you so much!!! I had already closed my checking account and opened a new one. They were not linked.

I sent both companies copies of letters that I found on this website. Since they are already closed I doubt I will hear from them until Monday or Tuesday.

How do I figure out if I've paid more than the principal? I've paid both companies interest every two week for at least the past least 3-4 months. I doubt they are gonna offer a refund (that would be nice) but I just don't wanna have to pay them anymore money if I dont have too.

Do you have access to bank statements? If you tell me the original loan amount we can determine the finance fee assuming it is 30 dollars per week with most illegals and see if you've overpaid. If it's been 2-3 months chances are you overpaid and owe nothing more. The only chance it isn't is if the loans were for 1 grand plus.

Here's my information
LOAN 1
5/29 $450.00 Original amount
6/7 $135.00 fee
6/21 $135.00 fee
7/5 $135.00 fee
7/19 $135.00 fee
8/3 $235.00 this was 135.00 fee + $100 towards principal
8/16 $105.00 fee
8/30 $105.00 fee
9/13 $105.00 fee
payment was due this week but account was closed.


LOAN 2
6/25 $200.00 Original amount
7/6 $60.00 fee
7/20 $60.00 fee
8/3 $60.00 fee
8/17 $60.00 fee
8/31 $60.00 fee
9/14 $60.00 fee
payment was due this week but account was closed.


LOAN 3
8/27 $100.00 Original amount
9/13 $30.00 fee
payment was due this week but account was closed
Thank you so much for your help!!! :D

Is this the information you needed Waffles?

Yes sorry your thread was lost in 3 pages of spam we had to clean up.

All of the loans are paid off except the third. The first two owe you a refund. The third you owe the rest of the princpal to. Pay them ony our own terms.

How do I go about requesting a refund from the first two?
I have every intention of paying back the third loan. Was mainly concerned about the first two.


Thank you so much for your help Waffles. You have helped me so much. Truly appreciated!!!

No problem!

FOllow the link in my signature..

Here is the sample letter for a refund, tailor it to your needs.

Dear Lender,

It has come to my attention that payday lenders must be licensed by the state of (insert state) in order to offer loans to its residents. Since your company has no license in my state, 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 $500 on (insert date), and have had 6 bi-weekly withdrawals of $120 debited from my account. This results in an overpayment of $220.

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 $220 overpayment. A refund check of $220 should be mailed to me at the address you have on file.

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
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.

Just emailed both companies requesting a refund using the letter format you gave me. I expect to hear from them Monday or Tuesday.

Thank you once again!

No problem & good luck with the refunds. hopefully you can get one and you can use it to pay off the other loan. I have heard of loan shop giving refunds. If i am not mistaken i believe ohiogal has contacts for bosses over there who can give the refund. As for the other I am not even sure who they are or where they are located.

It's been over a week and I have heard nothing back from either company. Should I re-send the emails to them? I didn't even get a reply from the Mr. Mashburn at Loan Shop Online. Tomorrow will be the 2nd missed payments for the loans I had.

I've heard m mash gives refunds but not sure... you can keep sending them, once every 4-5 days maybe

Finally heard back from Mr. Mashburn......he stated that my account with them is "paid in full"....didn't mention my refund.......I emailed him back asking when I would receive it.

Even if I don't get my money back I'm just thankful for the "paid in full" status. THANK YOU WAFFLES FOR ALL YOUR HELP!!!


Still waiting to hear something from Oasis Marketing. I will resend the emails to them Monday.

Once again.......THANK YOU WAFFLES!!!!

Not asking the city for privacy reasons but what part of SC are you in? I live on the western side.

I live in the Upstate in between Greenville and Columbia.

I got an automated email from Oasis Marketing so my account had been sent to National Credit Adjustors 866-660-1626



What should I do now?? Do I contact that National Credit Adjustor company?

I got an automated email from Oasis Marketing so my account had been sent to National Credit Adjustors 866-660-1626



What should I do now?? Do I contact that National Credit Adjustor company?

Not too far. I'm an hr from Greenville. You're just the first I've seen from SC as well.

It is the position of most of us not to pay a collector that is collecting an illegal PDL debt. You can send them a cease and desist per my signature.

Thanks Waffles! I figured I should ignore them but didn't know how to get them to not contact me. I haven't heard anything yet but I'm sure I will.