I just received a call from the Loan Shop out of Deleware. When I told them that the loan was illegal in Iowa he told me that the loan is legal in his state. First of all is that true. He also claims that it was a short term loan not a payday loan. The loan was for $200.00 and they claim I owe them $290.00. What is up with that. Any advice would be great. Thanks

Trying to figure out the best course of action for the predicament I am in. As a freshman in college I, stupidly, signed up for a credit card with CitiBank. I maxed it out and only ever made one payment on it. About 4 - 5 months ago, after seeing that I had nothing on my credit report from CitiBank, I called them to find out what I owed and how I should go about paying the balance. After looking me up with the old credit card (which I still had laying around, miraculously) and with my SSN, they said that they had no record of me or what I owed and to count myself as lucky.

What about a student loan owed for about 18 years?

is there a way for payday loan relief?

Are they a good idea if you want to improve your credit???

I sent a debt validation letter to a collection agency over 30 days ago and have not heard anything back from them. I am curious as to how to proceed from here and what happens. I'm just wondering if they are not responding because they are just going to sue me or what. I've never done this before so I am just curious. Thanks!

I was reading my payfast loan doc's (Geneva Roth Ventures and/or its affiliated Companies) and it states if you close your bank account before it is paid off that they can go in to any future new accounts at any new bank and withdraw money to pay up this debt? I live in Boston, MASS and I find this hard to believe? Also I asked the collection agency for the information of who they where turning over my delinquent account to (attorneys) since they were not successful in their intimidation process and they told me they did not have to tell me and good by (hung up on me).

I know many of us have had some interesting phone calls from collections. I just had one and I thought of a good line, something I should have wittily replied.... When I told the rep I sent a letter reguarding the matter, he replied "How could you have, we don't have a mailing address." What I said was "You are a business, you should have one, that is kind of dumb." What I should have said was, "Are you willingly working for a company that doesn't have a mailing address. You were never concerned about that fact when you signed on?

I am scheduled to pay $ 90.00 this friday as a fee from them. I cant close out my bank account just yet. Any suggestions on what I can do? I'm reading on this site that internet payday loans have to be licensed to be valid in IN.....Any suggestions would be appreciated.

Can anyone please give me the contact information for Global Payday, or is it cashnet, or Payday-loan yes. I need a contact persons name and address to file a complaint.