Payday Loans questions from California
Date: Wed, 07/03/2013 - 11:50
Are these lenders legal in California?
WTJ Capital LLC -borrowed 300, paid so far $180.
Lansbridge-borrowed 600, paid so far $300
Stoney Creek-borrowed $300, paid so far $182.
Should I pay loans back if they stopped contacting me?
I have some other payday loans that I know are not legal in California, from back in February. I changed my bank and closed my account. 2 of them call at least once a day now, but the others have stopped contacting me and I just checked my credit report. What should I do about them? It seems like they gave up, but I am afraid they might resurface when I least expect it.
Has anyone had a payday loan show up on their credit report and gone to collections? I have just acquired enough money to pay some of them off, so I am thinking I should start paying principle only on the 3 listed above since they have my new account information, then pay principle on the ones that still contact me, and work my way through. I just don't want to bother with the ones that may have given up. What should I do?
If I called the payday loans would they be able to send me a list of all the payments i have made in the last 3 years? I took out loans a few years ago and paid finance fees like crazy, so i had a good report with Peppercash, my next day cash, yes cash, etc when I took out loans in February. I am want to see how much I paid so then I can tell them to use that money towards the principle of the new loans. Does that make sense? I just not sure if they would give me a record of payments. Since I closed my account I forgot to save my transaction history. ugh. :)
Thank you and let me know if you need any clarification, any information you have is helpful.
Kristen
All are illegal..max loans in
All are illegal..max loans in california is $300 and rollovers are NOT permitted,
Follow the link in my signature line for full info on how to deal with then...follow all of the steps,.
What payday loans are on your credit report???
credit report
No payday loans on my credit report, yet. I am just hoping they won't. I would think by now they would have, since its been since february, but they are not showing up. So, Im hoping they wont at all.
PDLs don't show up on your
PDLs don't show up on your credit report ever really, even legal ones. Sometimes the collections agencies that buy PDLs will report though.
If they persist in calling
If they persist in calling you, file a report with the California Dept of Corporations. They can go after them.