PDL Resolution Help
Date: Wed, 06/19/2013 - 08:04
I live in California. These are all internet loans. I've got ACH revocations on standby based on the company not having a license in CA - if you have other info that you can pass on, please do. I am going to my bank today. Thank you for any help you can give!!
Here's a list of my lenders:
1. Sky Lending
borrowed $
paid to date $1575
don't know if licensed in CA
2. Everest Cash Advance
borrowed
paid to date $1150
3. Prestige Group Marketing (dba Vince Enterprises LTD)
borrowed $300
paid to date $630
see no license in CA
4. Tower Lending
borrowed $300
paid to date $630
see no license in CA - don't know where they are out of
5. Cash Web USA
borrowed $600
paid $675
see no license in CA - they are out of Costa Rica
6. Cash Web USA
borrowed $350
paid to date $210
see no license in CA - they are out of Costa Rica
7. Blue Sky Financial, LLC (dba Extra Funds Cash)
borrowed $350
paid to date $225
see no license in CA - Tribal out of FT Belknap Montana
8. Online Advance
borrowed $500
paid to date $251.60
see no license in CA - out of Delaware
installment loan/does that make a difference
9. Great Plains (GP Lending LLC/Tribal Otoe Missouria)
Borrowed $1000
Paid to date $2181.44
see no license in CA - out of Edmond, OK
installment loan/does that make a difference?
10. Plain Green
Borrowed $2200
Paid to date $2082.90
see no license in CA - out of Box Elder, Montana
installment loan/does that make a difference?
11. Target Cash Now (Target Finance, LLC/Tribal Ft Belknap
Borrowed $500
Paid $300
see no license in CA - out of Hays Montana
12. Castle Payday (Red Rock Tribal Lending, LLC)
Borrowed $550
paid to date $1083.75
see no license in CA - out of Watersmeet, MI
13. Golden Valley Lending (Habematolel Pomo of Upper lake Tribe)
borrowed $1000
paid to date $902.50
see no license in CA - out of Upper Lake, CA
14. United Cash Loans (MNE Services, Inc)
borrowed $800
paid to date $1250
see no license in CA - no address
15. Ameriloan (MNE Services, Inc)
borrowed $800
paid to date $1250
see no license in CA - no address
16. Discount Advances IGI
borrowed $1150
paid $956.91
see no license in CA - out of Vancouver, BC, Canada
17. Blue King Lending - Tribal
borrowed $400
paid to date $106
see no license in CA
Online lenders must be
Online lenders must be licensed in California. Here is where you can check to make sure if licensed or not.. California Department of Corporations..Most of yours are all tribal or offshore -none likely licensed to do business anywhere in the US!
Follow this link on how to deal with - http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html - step by step - you will want to secure bank 1st before sending out ACH authorizations and cancellations of wage assignments. if you want us to review letter first paste one here for us to look at if you like. You can send the letters to them via email from their own websites.. On your first two how much originally borrowed? 8 appear to owe you refunds! 7 small amounts of principal left that you are only morally obligated to repay and on your own terms..
PDL Resolution Help
I closed my account & notified my employer today. I do have a couple of questions, though. If I don't see a license for the company in CA, doest that mean I'm safe to use that as a reason to stop ACH authorization? If the company is Tribal - do I need to do anything? Also, here is a sample letter I'm sending - thanks in advance:
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 $300 on 2/19/13 and have had 7 bi-weekly withdrawls of $90 debited from my account. This results in an overpayment of $330.
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 $330 overpayment. A refund check of teh $330 shuold be mailed to me at the address you have on file.
I am revoking authorization for ACH withdrawls 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 atempts to collect funds in this manner will be blocked.
Please respond to this email with the acknowlegement 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.
Thank you,
Laurie Gereau
@mariuswilson - while you are
@mariuswilson - while you are in Payday Loan Help at the top - click on the ask an expert and create a new thread.. See if this works for you - if it does - I can go delete your other post from other's threads - so all of your stuff will be in one area for you.