I know PDL's are a terrible idea, but, if I am really in need of quick cash, can someone please give me names of licensed payday lenders that are legit? Also, I have a PDL with Cash Direct Express and SSM group: are they licensed? They appear to me from their websites (licensed in DE, if I am correct). Also, are people typically able to recover any of the illegitimate debits with the help of their banks when unlicensed lenders debit their accounts for outrageous fees?