Isn't cash call considered a pdl? In sd we have a max $500 pdl law and they loaned me $2600 @ 99.24% interest rate. Does anyone know if this is illegal?

Is anyone getting this stupid recorded message from HSBC. I got one left on my answering machine wanting to sell me crap. I am listed on the do not call list, where did they get my phone number and how can I get them to stop calling :twisted: ladybug

I had a collection account that I wanted to pay it was to NCO financial. when I spoke to the rep she said my balance had accrued interest. the original was about 300 less than 400. on the statement from NCO it said principal was almost 600. and in total I ended up paying them about 900 or so. Now that I have been really looking into these collection agencies I'm wondering if I did a dumb thing by overpaying. Was that legal for them to add to my origianl debt after it had gone to collections?