Payless Financial Group

How do you find out if the loan is legal? I live in Florida.

On the web, go to the Florida Department of Financial Regulation.  Search for licensee name.  If the name is not there, they re illegal.  You are only morally responsible for paying back the principal amount borrowed, nothing more, nothing less.  If they are illegal, on this site, go to Forums, then click on paydy loan help, then click sticky on now to deal with unlicensed lenders.

There is no such thing as a payday validation company. THey are a debtg management company.

Do you owe payday loans? Before hiring a company, are your loans even legal?? What state do you live in?? Who did you borrow from, and how much did you borrow???

I live in NC. I know the loans are illegal by what I have seen.

MyCashNow-borrowed $300 they want 489.23

*Great Plains Lending-borrowed $500*

*Mobiloans-borrowed $500 they want $699*

OneClickCash-borrowed $800 they want $1,040 already paid 4 payments of $240. have already overpaid on the principal.

*Plain Green Loans-borrowed$1,000-paid $243.26/month. Already made 9 payments.*

USFastCash-borrowed $500 they want $650. Already paid 4 payments of $150.

was anything debited by mobiloan,or mycashnow?the bottom three you waaaaaaay overpaid.so go to soaplady's signature and get these illegals out of your life.

The bottom three I am in the process of sending them emails revoking authorization and their status (legal). I talked to one on the phone, Mobiloans and they say they turned off my ACH and I can send payment thru the mail to 151 Melacon Road. I pretty much know that it might get sent back from what I have read. I guess they will have some1 waiting around that time. Never thought I would get in this mess.

Mobiloans can't because overdrawn so much and MYCashNow has once. I have seen where they were supposed to cease operations in 2007 or 09. see what happens when I send them this email.

you see cowboy since these are illegal lenders.you only owe the prnciple.no interest,no extras.even if nothing was debited by great plains,mycashnow,or mobiloan you only owe the principle.btw if mobiloan rejects your money orders once you close your current account(which is step one in the sticky)then i have two words for them.TOUGH TITTIE!!!!!!!!!!!they are entitled to the principle only,and are lucky to get that.remember that cowboy.

Thanks for the help Paul.

it's a pleasure to help.do keep us posted.:D:cool:

I emailed US and OneClick, I have not heard from them yet. Requested a refund from US. Both are run by the same company and I know the FTC has a case against them now. Since they will not reply as requested I will file more reports. They can call all they want but my head is out of the ground, ready to fight.
I already filed a complaint about Mobiloans because they went in my account and got me charged an NSF fee after the lady said no more would be debited. If one or all of the companies see this and recognizes me, the three that are left; no address, no payment . I will not use a debit card, Moneygram, WU, or a credit card. Get ready to run your phone bill up!

Did you do an ACH revocation??? You really need to do that and give a copy to your bank.

Yes, I did do the ACH revocation. I go to the bank in the morning. But I have already talked to them before. My bank account is overdrawn now. OneClick and US, I can no longer log on their sites. Mobiloans isstill going to do the same thing because I just got an email from them so each fee I get until it is closed takes away from the principal. I have my money going to a different bank I have had for 2 years.

So far one has sent an email saying my account is at zero balance, (OCC), and nothing else will be debited from my account. They also gave a date as to when the zero balance is in effect. I am keeping every email so if something stupid happens I will file will every Department I can.
The other one says says it has updated my account. I will see what happens on the first. Waiting on three replies from the others.

USFastCash,OneClickCash, and Plain Green Loans, all have zero balances. Three to go.

Cowboy, I too am dealing with Mobiloans but after sending my first email, they've yet to respond. I was wondering what it says when you log in to your account with Mobiloans.

Great Plains agreed to payment plan. No more debits. #3 payments left. Maybe I can do it in 1 payment. MyCash and Mobiloans are left.

I'm curious about Plain Green. Looks like you have paid way over the principal. If you have, they owe you a refund. You don't have to agree to a payment plan. You pay on your time and how much. Anyhow, if you've already made 9 payments of over 200 bucks, then you have paid them way too much. Or am I just reading it wrong? Remember Plain Green is a tribal lender so therefore, illegal in all 50 states.

I would like to know if anyone worked them also. Payless Financial group. Im thinking of working with them & my loans

Why would you go to a consolidation company when you can do this yourself?

I am doing it myself. I was just asking if anyone knew of the company. I owe Plain Green nothing and I am going to continue to ask for a refund.

Sorry, I misunderstood. Sometimes I only read between the lines.

But payless can get the loans down to $0.30 on the dollar or get rid of them completely.

I borrowed from most of the same places and i hired payless financial group. I have yet to seen a difference

a couple of things.first to the person just above me.the reason there is no difference is that places like this are only interested in their fee.that's it.now the the shill above you who cares about thirty cents on the dollar when chances are there is next to nothing,or nothing owed.shill for this place elsewhere.last thing places like this go by what the pdl co says the balance is.not what it truly is.example:

thanks to this forum a person like yourself finds out they only owe 20.00 on a loan.the pdl claims they owe like 500.00.this place you trumpet will get a settlement on the 500.00 not the 20.00.what benefit is that?buh-bye shill.

Payless financial has been wonderful. they have already helped me in getting my payday's my own. If you have more than 2 payday loans call them. It was a giant weight off of my head:p

shillin,shillin,shiilin.keep them shills a shillin.keep cheerleading for this place,but post contact info and it's gone.got it son.

I received call from Payless Financial today offering me a hardship loan. They explain they could pay off my on line loans cheaper and faster than I am paying now. Is this a legal business in the State of Missouri.
Thanks
JH

DO NOT go with a debt consolidation company. You can do this yourself. List what state you are in, the names of the lenders, how much was originally borrowed and amount paid back so far. It very well may be that you lenders are illegal. Give this information and we can help you further.

Hello, could you tell me about the ACH Revocation? If I send an email to a payday loan company, what does it need to include?

Way to go! Keep up the good work and Happy Thanksgiving

Paylessis full of shit .....after their so call vaildation you still will owe your debters

I reside n state of tx

i just signed up with payless financial a few minutes ago. i get paid this week and i thy are taking their first payment out of my account. i specifically told the guy i was speaking with that i could not afford to make the first payment they were asking for if the payday loans i have were taking their money too. he assured me that he would have the payday loan payments stopped by thursday but i find that hard to believe. when i asked how he was going to stop them he tells me i have to send my bank a letter. he says that i will be getting a packet with the letter i need to give to the bank after i make my first payment to them......well if i dont get the letter till AFTER i pay them on payday then that obviously means the payday loans place will be getting their money too!! can some one who uses me please please please tell me how it worked for you? did the payday loans keep coming out of your account until you gave the bank this letter??

i have about 12 payday loan that silmar to the one u have can u tell me if they r legal thank u

I am so confused. I have 5 PDL's in the State of Fl which I have found out is illegal - you can only have 1 at a time. Do not know if these PDL's are license/legal or what - all I want to do is pay them off and be done with it. Payless Financial Group is willing to consoliate all this PDL's and for a upfront fee and payment every two weeks, I could become debt free by June 2013. I just want someone to tell me if the group is legitimate BEFORE my sending them any money. Can you help me?

You are not alone. I never thought I would either. I have 5 loans and I kept telling myself I can handle it but couldnt obviously. I went to Hometown FInancial which was very nice but I think I will go with Payless Financial I am there with you

Yes I used pay less financial to help with my payday loans and paid the 800 dollars but now I have the payday people calling me for the money what can I do can anyone help please

you hired a scam to do do what you can do yourself,or we can advise for free.trumpet a piece of garbage like payless elsewhere please.we don't need/want shills here.

i have alot of pay day loans out. I live in AL. what am i do to. I know i should have never got them in the first place. now i have payless financial calling and telling me if i send them money they can help me get out from under them. any respone on them

Please tell us what state you are in, the names of the lenders, (storefront or internet), how much you originally borrowed and amount you have paid back so far. Answer these questions and we can help you further.

From what I know is that payless is a debt validation company. They send letters to these companies requesting them to prove they are lagitamite. Then they request copy of their liscence to lend in your state. Once this is final they send you to their settlement dept. they are supposed to work on getting you settlements with each validated company.I am with them and I am not seeing that they are doing anything.

first off where do i find this ACH revocation form. letter?? And do I take it directly to my bank? Secondly I was getting ready to work with payless financial myself and now I'm reading not to do that. That it is better just to use the revocation letter? Can anyone give me guidance? I am way over my head in payday loans and have more than paid for some of them!! THANKS

how do you ach revocation? im in a bad spot

Thank you so much for this post - I'm trying to get out from under using this Payless Financial Group and come to find out I can do this on my own. Thanks again for the info.

I am using payless financial group. They will give you a letter to give to the bank, but the loan companies will still try to debit your account. You will have to close your account or either have all incoming debits blocked. The loan companies are still harassing me with phone calls. Payless told me it would take up to 90 days to get the companies validated, then they will work with you on getting them paid off with no interest.

Wow, I was reading this blog and just as it was getting interesting and I thought I was actually going to learn something, it ended. I see where Soaplady, Paulmergel and Bingonut were telling Cowboy everyone that they can do this on their own but I don't see where they actually tell HOW TO DO IT!!! I was fixing to hire this Payless Financial today but I seen this blog and I would like to know how to do this on my own. I live in Texas and I have over $7,000 in PDL's HELP!!!!! )-:

Toal 1000.00 paydy mobility, 1st cash direct, integrity pdy and hydra. Funds..payless contacted me to block the pymts but will that stop at some point and will I still owe for the loans

Can you email me at dbu429@aol.com and give me the process step-by-step for ridding of these?????

I have 2 payday loans totaling $2000.00. 1 is with my cash now.com and the other is paydaynation.com. How can I see if these 2 companies are legal and how can I get them repaid with the legal amount and not have to use a company to do so