Help needed in MD

The first 4 lenders you listed are illegal, you are just obliged to pay the principal only, no interest or finance fees. In your case, whatever you paid as finance fees to each of these lenders should be counted as part of the principal. For example, you paid QXL $95 as finance fees and another $190 as your regular payments. In total you paid $285 which is $35 more than what you actually owe. Out of the 4 lenders you only owe One Click cash $60, thats it.
CashNetUSA is legal in MD. I have no additional information on American Creditline. I will do some digging and post here again.

Hello,
Thanks for the reply. I thought I would get e-mail notifications when I got a reply.
Here's an update on my situation. I sent the ACH revocation e-mail to the illegal lenders. QXL online doesn't use e-mail, they have an online help centre. They responded immediately with some bs (see separate thread about QXL). After messaging back and forth they got ballsy and took out the $250 I still owed to close account. Talked to my bank and I have to wait for it to post before I can dispute it. Haven't heard from other companies, but Action Payday won't allow me to access account online. Message says I have to call customer service. Opened new bank account, but can't close it until the processing items post.

You need to revoke ACH/voluntary wage assignment before you move against these lenders. Once they get a whiff of the coming troubles, they are more than likely to perform a hit on your bank account, a desperate last ditch effort aimed at taking a sizable chunk of your cash. Talk to your bank's manager, revoke ACH and ask them to reverse the charges as unauthorized.
Also, read this and follow every step:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

You'll have to really try hard to get a refund from QXL. There is no need to call the customer care service of Action Payday.

Thanks fo the feedback. I didn't follow directions (bad teacher) and sent the lenders letters first. Luckily QXL was the smallest balance I had. They were fine until my last message where I called them out. The branch manager was helpful, but made me feel like it was my fault..."well you did take out the loan". I explained they are prohibited in MD and I'm not trying to not pay them, I'm only paying the principal.
I'm not planning on calling any of the companies. I'm sure I will hear from them when May 15th rolls around.
Anyone worked with these companies before? How aggressive are they?

I worked with One Click Cash a few years ago. I had already closed my bank account before I sent my letters, after heeding the advice on this forum. They sent me a few e-mails and I just kept forwarding my original letter and stood my ground. I only paid back the principal. They eventually faded away.

Steve is right, once they know you're disputing your loan, they will move quickly to draw out of your account.

Thanks for the advice. Did they call you at work or your references? I'm worried about that. Closing account ASAP.

If they call work or references, just tell them you have been a victim of fraud and to ignore the calls.

Just concerned since I work with a bunch of busy bodies.

You might have to tell them politely to mind their own business.

LOL....thanks. How soon can I expect calls. Is there anything to do to stop them?

Depending on their next course of action, the lenders may start calling you in within a week. There is really nothing you can do to stop them, other than not picking up the phone and keep sending your letter that they are illegal, etc. Eventually, they will realize that you mean business and will follow your guidelines on how you want to proceed.

I've seen people talk about a cease and desist letter. What does that apply to?

@ teacher - you will use C&D letters if they get turned over to collections, original lenders do not have to follow C&D..

Also you question on the tread about payday loan laws - I am going to put the info here for you so all in one place for you..

Maryland Payday Loan Laws: State Legal Status
Lending of payday loans are prohibited in the State of Maryland.

Note: Lender may be regulated as a credit service organization (CSO). Generally, a CSO does not need to be licensed so there is no limit to the maximum loan or finance charge.

Interest Rate Cap on Small Loans:
2.75% per month
33% per annum

File your Complaint and get Information
Regulator - Maryland Commissioner of Financial Regulation
Address - 500 North Calvert Street Suite 402 Baltimore MD 21202
Phone - (410) 230-6100
Fax - (410) 333-3866
Regulatory Contact - Michael Jackson Director, Regulatory policy

I appreciate your feedback. I had a feeling that the C&D letter was once it went to collections. Thanks for the info on Maryland laws. How quickly does an investigation start once you contact the Maryland Commissioner?