Need advice-Drowing in PDL

Did you get your payday loans from internet companies or store front? List the names of the companies and the amounts that you owe.

You can handle this yourself. NO need to go with a company to pay your loans for you. It will only cost you more money. Answer the questions and we can help you further.

All my payday loans are from the Internet.

American Web Loan - Balance $1400 and Borrowed $1400.
Best Choice123 - Balance: It says $1066 and Borrowed$1000
Castle Pay Day- Balance: $900 (it says 1215) and Borrowed $900
Cash Yes- Balance $600.00 and Borrowed $1000.00
My payday advance - Balance $400 and Borrowed $700.00
Multisource loan- Balance $325.00 and Borrowed $500
Archer Direct - Balance $600.00 and Borrowed $500
Ameriloan - Balance $550.00 and Borrowed $550.00
Target Cash Now- Balance $500.00 and Borrowed $500.00
Vandelier Group- Balance $300 and Borrowed $300
Vip Loan Shop - Balance $300 and Borrowed $300
Twin Bluff - Balance $300 and Borrowed $300
Online Advance which I have no idea at the moment.

See my stress. I need help fast!!

Internet Payday loans.
Best Choice 123 Balance $1066 - Borrowed 1000
Multiloan Source Balance $325 - Borrowed $500
Castlepay day Balance $1215.00 Borrowed $900.00
CashYes Balance $600.00 Borrowed $1000.00
American Web Loan $1400.00 Borrowed $1400
Archer $500.00 Borrowed $500.00
Targetcash Now $500.00 Borrowed $ 500.00
Mypayday advance $ 400.00 Borrowed$ 700.00
Online Advance - not sure- I cannot get into my account at this moment.
VIP loan Shop $300.00 Borrowed $300.00
Twinbluff $300.00 Borrowed 300.00
Ameriloan $550.00 Borrowed 550.00

Way too much as you can see.

Calm down. I believe all your loans are illegal. On this site, click on Forums, then click on payday loan help, then click on sticky on how to deal with unlicensed lenders, follow every step. Do not skip. Keep us posted on your progress....and good luck!

Thank you. I am just a little nervous and do not want to deal with all the harrasment especially to my friends and family.

The harassment won't be that bad, you will probably run into some problems with a few of these companies harassing you, but you may be surprised how quickly and willing many companies will be to mark your account as paid in full. Besides, any harassment will be nothing compared to the sense of relief you will feel in getting your life and freedom back. Just let your friends and family know that you are a victim of fraudulent loans, because you are.

Thanks for the support. I am a little nervous in dealing with my bank too. I hope they will be supportive.

Any one had any dealings with American Web Loan. I borrowed 1400 and I have been paying $399 every two weeks and have paid nothing toward principal since and I have had this loan since November. I have paid $4389 already!!

they are tribal,and illegal.they will fight you,but as long as you secure your money they can't touch you,and don't believe a thing they say,and communicate via email only.

Thank you for the advice. I just hope my bank will be cooperative.

If your bank wants to keep you as a customer, they should comply with your wishes. Good Luck!

I sent my letter to MultiLoan Source.com and this is my response....

Thank you for contacting us regarding your account;we are an International lender established in Belize, and therefore are governed by U.S. Federal Law. We are exempt from any State, City, or County legislation. We are a legal lender.

We follow all U.S. federal laws and regulations including but not limited to TILA, EFTA, FDCPA, FCRA, GLBA, ECOA and MLA.

We are a proud member of OLA (Online Lender's Alliance) and comply with all best practices. It is our goal to provide our customers with short term financing.

Now can someone tell me what to do??

This is another response I received this morning.....

Dear Anissa,

Attached as a pdf format I have included your contract. Please go over it thoroughly and pay attention to the statement that I have provided that is also in the contract. Your next due date is 5/03/13 for the amount of $150. If you have any question please advise.

Thank you



Pay attention to this section:



Governing Law: Both parties agree that this Note and your account shall

be governed by all applicable federal laws and all laws of the jurisdiction in

which the lender is located, regardless of which state you may reside, and by

signing below or by your electronic signature, you consent to the exclusive

exercise of regulatory and adjudicatory authority by the jurisdiction in which

the lender is located over all matters related to this Note and your account

forsaking any other jurisdiction which either party may claim by virtue of residency

Now what??? I am not sure what to do..

Both letters are BS. Your state laws prevail. They are just trying another scare tactic to get you to pay. Hold your ground and keep sending your letters. Do not let them intimidate you.

Dear Multisource.

The contract I signed before I educated myself on payday loans is NULL AND VOID. The only laws that govern me are the laws of MY state and the laws of the USA. The funny this is that I know you are fully aware of this. So cut the crap....legally I owe you nothing. You cannot enforce the contract and your threats mean nothing to me...they are just plain funny!! I hereby revoke all ACH priveleges for this account. I am also revoking any and all voluntary wage assignments I may have signed.

Govern yourself accordingly

Thank you for the advice and letter. I really appreciate your help and being able to get this advice.

I can no longer access my Castle Pay day loan. Not sure where this is going either.

So far all but 1 of the 7 illegal lenders I had loans have locked me out of logging into their website as welll. I think this is standard procedure on their part.

Ok, I was wondering. Thanks for the info.

Here is the response I got from BestChoice123.

Thank you for your email.

Unfortunately, the information you have received is incorrect.

You came to our website, which is located in Nevis, requested the loan, and signed the loan agreement, agreeing to be bound by the laws of Nevis and Saint Christopher.

If you visited Nevis and conducted a transaction of this type, you would be bound by the laws of Nevis. In the instance of this loan, that is what you did.

The idea that we must have a license in your state is a common misconception, especially with regards to payday loans. We are not located in your state, we are located in Nevis. Also, we are not a U.S. company and are not bound by individual state laws. Any good attorney can confirm this for you.

State statutes regarding payday lenders are for entities residing within your state, typically storefronts, though not always. However, we have no storefronts in your state (or in any U.S. state), and our website does not reside in any U.S. state, it resides in Nevis.

If you are concerned with your ability to repay the loan, we are willing to work with you and we try to be as flexible as possible.

So I do I send them back the same info that I did MultiLoanSource or what? I feel as if I am in deep over my head.

Send the same letter as MultLoanSource but taylor it to fit BestChoice123. Hang in there, you are doing great!

your state law prevails,and any attorney will tell you that thy can do nothing so respond like soaplady's example.they are lying to you hoping you believe them.

Ok, thanks. I have sent the example letter to the three I have gotten replies from since so far they are up for a fight. I am just a little nervous but I have really got to get rid of these.

I have one down, about 10 more to go. Cashyes settled with me and closed my account and marked it paid in full.

Vandelier group is going to allow me to make 1 final payment for the prinicipal by money order.

However, Multisource Loan is driving me crazy.

I got this response this time.....

Thank you for contacting us regarding your account;we are an International lender established in Belize, and therefore are governed by U.S. Federal Law. We are exempt from any State, City, or County legislation. We are a legal lender.

We follow all U.S. federal laws and regulations including but not limited to TILA, EFTA, FDCPA, FCRA, GLBA, ECOA and MLA.

We are a proud member of OLA (Online Lender's Alliance) and comply with all best practices. It is our goal to provide our customers with short term financing.

I at least feel as if I am making some progress.

Well looks like best choice123 is going to be a pain also.

We already noted that you have revoked authorization on your account, from your previous email.

However, we are unable to mark your account paid in full because you have not honored your loan agreement and the account has not been paid in full. Unfortunately, if you choose not to honor your agreement, your account will be continue to accrue applicable fees and eventually be forwarded to collections. Your account will also be reported as a negative item in your credit file.

As indicated before, we are willing to work with you to get this loan repaid and we try to be as flexible as possible

Any ideas???? Please help.

there is no OLA.just a term an illegal made up.as for bestchoice resend your letter,and keep resending.they are wrong and need to lie.they can claim you owe 1,000,000.00 and it would mean squat.stick to your guns with both illegals.

I have resent the letters to Multiloan Source and bestchoice 123. I guess I will see what kind of response I get this time. Target Cash Now said they will waive any fees if I pay them the $500 and they are not counting the $150 I have already paid them. I sent back my response on this also. I am still waiting to hear from the others.

Ameriloan still shows I owe them $715 but shows my next amount due as $0. Not so sure what is going on with this one either.

I resent my letter to American Web Loan since I have not heard anything yet.

Need help with QXL Online. Anyone dealt with them before?

What do you need help with? They are a loan broker, you apply with them and they mass send all of you personal and banking information out to every PDL in the world... They don't loan directly from what I see on their website.. "QXL Online does not solicit customers directly nor does this website take direct applications. All applicants are received through affiliates, reviewed and offered a loan subject to contract and final underwriting approval. This offer does not guarantee final approval." " This is not a lender, This site show the best fast loan lender reviews for payday loan If you finding for payday loan and want to get fast loan from payday loan you come to the good place! Search results of payday loan you can find $1000 lenders from this site."

Online advance agreed to mark my account paid also.

However, multloan source just sent me back the exact same message!!!!

Great News on Online Advance!! print and keep in a safe place...

I would give Multloan Source a few days, if you don't hear any thing then you can send again.. They may hand off to collections and then you can cease and desist if need to for collection on an illegal loan -info to help with that when the time comes is here.. http://www.debtconsolidationcare.com/paydayloan/thread184286.html It is not like they are gonna come over from Belize to sue you :)

Way to go, Hope!

I am just getting frustrated with Multiloan source and Bestchoice123. American Web loan just noted my ACH Revokation. I sent them back an email. ArcherDirect only responed once and so did Targetcash now. I am just waiting. Who knows with Castle payday and not sure about Ameriloan.

It may seem very frustrating but in the end it does work out.

Archer direct refuses to work with me also. Anyone have any suggestions?

I believe you said you borrowed $500 from them originally - how much if any have you already paid them in total? And remember if they don't want to work with you and agree to the terms you are giving them they get NOTHING!

I have paid them $2250 and they have applied nothing to prinicipal. They will waive my $150 renewal fee if I pay them $500 now. They are getting to be a pain. I still have not heard back from best choice123 after my last email.

I just heard back from CatlePay Day and they have agreeed to settle and mark my loan paid. I may not see refunds but if I do not have to pay them another cent I will be happy. That was over $300 every 2 weeks.

send a letter telling archer tp pound sand.they owe you 1750.so they can lump it and there is nothing they can do.in fact start pushing for the refund.

I have already gotten one crazy call from some guy named Robert Wood from Calvin and Travis Law Firm who call from a New York Number and gives a return number for FL??? saying my name and SS# are going to be sued if I do not return the call in 2 days??? I never answer numbers I do not know. I have not defaulted on any loan yet. Tomorrow is my payday and I have revoked all ACH and moved my direct deposit. Just waiting to see what happens then.

Again, hang in there. It does get better!

I got a phone call this morning telling me that Archer Direct has agreed to mark my account paid in full. She said I would get an email in a few days also telling me so.
I still have not heard back from American Web Loan, Ameriloan or Mypayday advance. I am still fighting back and forth with Multiloan source and best choice123. They are driving me crazy.

Wonderful news.. on Archer Direct.

Yes, way to go, Hope!

Thanks, Now if I can do something with BestChoice123 and multiloans source and hear back from the others!

Anyone had any dealings with CWB services??? They are driving me crazy, especially Oakwoodinfo... I owe them $300.00 and they keep trying to deduct from my account after I told them I revoked my ACH authorization. I told them I would pay them and exactly how but they want $300.00 in a money order now. I am going to loose my mind!!!

When they agree to your terms then they get money - if not then they get nothing.. You did close your old account correct, if not that would be important and when you open the new make sure not linked in any way to old.. That will keep them from trying to debit in longer!

I'm dealing with them too and I've been unsuccessful getting them to mark my account PIF. Any secrets? ?

I am trying to get my account closed. Now Oakwood is telling me that they have sent me to collections and gave me a reference number and an email address to contact.

American Web Loan left me a message to call them back in which I have told them I will only communicate by email. Then I get a text message today with them telling me my account is past due and payment must be received today but I have well overpaid them!

I have never heard back from Mypayday Advance??

Best choice 123 still says I owe them money and I even asked for a mailing address but have I got one,NO!

Oakwood Of CWB services got tired of arguing with me and because they did not get their money twice by ACH withdrawal after I revoked their authorization they decided to send me to a collection agency so how do I handle this?

Send the collection agency a Cease & desist for collecting on an illegal/unlicensed lender... You need to mail it CMRRR.