Newbie here - my husband has a $2500.00 loan in default with Cashcall. It hasn't been sold to Western Sky. We've been caught in the payday trap for a while, but with the help of this forum, we see the light at the end of the tunnel. I had the same loan and they threatened wage garnishment and even went so far as to contact my employer. I'm in the process of paying the settlement on my loan. We want to save a lump sum and offer a settlement on his. They never called me, they emailed me the threat of wage garnishment to which I responded quickly to.

I sent out the first email and received an email back that said that they are not governed by my state laws because they are covered by Federal Laws/Interstate Commerce Act. What do I do now?

are payday loans legal in ct

I just got a call from a Willie Adams with Britt & Associates "law firm". I had a loan a few years ago that I have a small balance on but my bank account was tapped into and money taken from me, sending the payments I made for car and rent in the red. I had a pretty bad ordeal and I'm still trying to catch up. I have yet to pay off this debt, but I have every intention of doing so. Willie told me that I wrote a bad check to the loan place...and when I told him I didn't write any checks, he said it was an "ACH" so it was the same thing.

Not a question, just reporting back on my recent experience with using the advise posted on this site. I had a payday loan with Cash Yes. I sent the following email and got the following response. Dear Cash Yes, It has come to my attention that payday lenders must be licensed by the state of California in order to offer loans to its residents. Since 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.

I am working on paying off a few legal lending PDL's and one illegal in my state: VIP Loan shop. So far I have overpaid them $392.50, I blocked them from my bank last week, and they weren't able to take the ACH of $142.50 that they planned out after that block, however today they presented an electronic check that went through for $192.50. I am calling my bank right now to see what can be done about that and I have also written the letter revoking ACH rights to VIP, however there is no loan number or anything to send to them.

In Sept '09 I borrowed $40k from a friend and signed a promissary note. The terms were 2% annual interest for 3 months: 5% for 3 months and 10% there after. I paid back $40,800 after 2 months. I just realized my error as I should have only paid back $40,133My "friend" will not return the overpayment and I am taking her to small claims court. Question, Can I sue her for the difference plus interest and and can terms of the interest be the same as she offered me?

Hi I am trying to find information on a payday company. It comes listed as Access pdl....if anyone knows the number or address please let me know.

I am in Arizona and it is illegal for payday loans. I saw the "to do's" that was posted in this Forum and have taken the steps toward my PDL recovery. Isent out the ACH revokation email with my demands and this is the reply I got. Per White Hills: Dear XXXXX, We are in receipt of your email regarding your account and have reviewed your concerns carefully in an attempt to resolve this matter. As clearly indicated in its website disclaimers and the loan documents executed by you, White Hills Cash is a tribal limited liability company established by and for the Ft.