coakley - PDL help

Sure - what do you need? Do you want to post here or PM me? Here may be easier if I don't know the answer we can get someone else to help...

here are all my payday loans

discount advances loaned $460 have paid back $688.82

sure advance loaned $350 and have paid back $497

platinum cash link loaned $400 have paid back $640

nationwide cash loaned $600 have paid back $500

Cash direct express loaned $600 have paid back $528

advantage cash loaned $250 paid back $75

gateway loaned 250 paid back 75

st armands loaned 250 paid back 75

advance me loaned 500 paid back 0

are any of these lenders illegal in illinois and what should i do now

Are these all internet based or storefronts?

@ coakley4430 - What I have been able to determine is:

discount advances loaned $460 have paid back $688.82- Offshore/Canada - Illegal - pd they owe you $288.82

sure advance loaned $350 and have paid back $497 - Not sure

platinum cash link loaned $400 have paid back $640 - Not sure

nationwide cash loaned $600 have paid back $500 - Offshore St.Vincent & The Grenadines - Illegal -

Cash direct express loaned $600 have paid back $528 - Not Sure

advantage cash loaned $250 paid back $75 - Tribal - Illegal

gateway loaned 250 paid back 75 - Tribal - Illegal

st armands loaned 250 paid back 75 - Not Sure - But, guessing Illegal

advance me loaned 500 paid back 0 - Tribal - Illegal

I am not sure on a few - start looking at the link in my signature by OhioGal on how to deal with you must follow all of the steps in order.. I or someone will come up with an answer ont he others here in the next little while I am sure... You are only morally responsible for principal only - on the illegal ones.

I would like us to get your post moved to your own tread to make it easier for both of the posters here to get their information. We'll see if some one can do that for you.

thanks helpin!!

I am closing my bank account tomorrow and then will send out emails, but only a few have emails. all the offshore ones do not

i'm in illinois and none of your loans are legal.go to soaplady's signature on illegal lenders and follow every step.

Ok bank account will be closed tomorrow what if not all these places have email?

all of these loans are internet

See I told you someone else would come and help:) I explained to my bank what was going on basically that my account was compromised and had no problems, revoking ACH - My bank actually put my account on hard block for deposit only opened a new account in no way linked to the other and then send out the ACH revokes - I gave copies to my bank as a back up.. If you need any help, I will be glad to do what I can to help you locate ways to send them I have to work the next few days so I may not be as quick to respond as I have the last two - I have been on my weekend... Tell me who you can't locate - we'll see if I can or if maybe some where else on the forums we can locate information for you to help.

remember to tell them that you wish to have correspondence via email or US mail only, not that they will all choose to listen but at least you tried.

Ask you hr/payroll if they need copies also, tell them you have been a victim of fraud.

i told my boss and she was fine with it. My bank manager said she would close my account tomorrow so no more achs will go through. she also had no problem starting a new account for me. /discount advances only has a fax.

Glad to hear your work and bank are on board -that is always good and makes it easier for you to relax.. copies of the ACH are still good in case, you have proof of when issued. Once you know bank is secure, send them...
If only a FAX - I would send it that way - you will have a record still of sending and in the mean time - can try to locate another way to find..

And I will still check forums every morning and at night. Plus when you post I get a email on this thread - if they are able to separate them, I will just make sure to subscribe to the new..

Thanks everyone ..

I still have two checks that havent cleared can the bank somehow keep it open but not allow the achs to go through until checks clear ?

Yes, ask bank if can do the hard block for deposit only on compromised status, and tell them you have two checks out...that will give them time to clear. You will need to give them the info like who, check number and amounts..

The last post is from me - posted from my phone - let me know what the bank says...

can u copy and paste a letter i need to send to all of the companies

In the link in my signature Dealing with Unlicensed Payday Lenders (step by step) the second sample letter should be OK for you to use - you will still need to tweak just a little for your amounts.. make sure to include a reference number for your specific loan or agreement. If you still owe any balance of principle and you are proposing your repayment - you can use part of the 1st sample letter.. If you get one done and want me to look at - post here or PM it to me.. I will be glad to look at for you...

Just checking on you to see if all is OK?