jenn, I'm not from Ohio. There are others on here from Ohio who will be more accurate than I. However, I can tell you this - you've overpaid. Of course, you realize that. It seems that they can charge $15 for every $100 you borrow. If you borrow $300 that would be $345.00. However, it says something after that, which I don't understand. Someone from Ohio will know. It also says that rollovers/extensions are not allowed. Which means them taking out $90 and extending the loan is not allowed. Let me also tell you that both your pdl's are MTE Financial. They are horrible.

here goes, at the beginning of May i took out two pay day loans. one from united cash, and one from 500fast cash. both online. i needed the money to give me the rest of the money for my home down payment. both loans were for 300$. i emailed them the following week, and said on my next pay take out the full balance. neither company responded. both companys started deducting money from my account, generally 90$ on a payday. i called them 3 weeks ago, and when i finally managed to get ahold of someone was told i owed 210$. the rest had been interst. fine i thought.

I received a call from: United Processing (305)433-8364 101 Century 21 Drive Suite 107 Jacksonville, Fl 32216 on Saturday stating that I would be arrested on Monday, July 23rd, that I owed $8000, they were going to fax their complaints to my manager, and that I would not be able to work for 3 years. I spoke to an “attorney,” BAR # 1379 James Brown, on an additional call at this number, who stated they represented Arrowhead. This was in reference to a $200.00 PDL from: Arrowhead 4150 W.

Hello, I have totally screwed my families finances, I currently have 7 payday loans, my credit union has closed my checking account which caused some checks to bounce, all in all I have about $6000 in all I have to pay back.

I received a call from National Enterprise Systems on Friday regarding a bad credit card account with Chase Bank. I Know that I owe this money and am in the process of working with a debt consolidation program to resolve. The people I spoke with threatened me with law suits, payroll deduction (which I don't have due to nature of my business, although he never gave me a chance to explain to him. I have never been treated to rudely, and unprofessionally in my life.

Dear Sir/Madam, I've purchased three trees from a local nursery on 05/04/06 worth approx $750 on a 12 months no interest term. I've notified the nursery shortly thereafter that I must secure the HOA's approval before planting and in late July 06 they came in and planted the 3 trees. Only one tree survived the winter and when I called the nursery said NO warranty. ALTHOUGH DISAPPOINTED I'VE PAID MY BILLS IN FULL. All payments were made ON LINE including the last one for $159.00 on 05/04/2007. I was surprised by a collectors' call on Sunday 07/22/02 at 10:30am Vegas time.

Can someone tell me the difference between debt consolidation and credit counseling? Is it reported differently on your credit report?

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Wow, 201377 articles. Congratulations to all its members. I am from a different site but keep reading this for more knowledge. DebtCCfan

Brief overview: my wife had taken out multiple loans with various "pay day" loan companies in Arizona from (as far as I can gather) December to March. We've been able to pay off all but 3 in the last couple months. One of the most demanding of them is sending EFT withdrawal requests to our account twice a day, every other day, under Geneva Roth Ventures or a slightly different name (costing us $30 NSF fees each occurance). (This isn't the only one, there is another company that does roughly the same thing about the same time).

I settled a debt with allied interstate collection agency for a percentage of the balance. They withdrew it from my account and then i thought everything was fine. Well 6 months later i get a letter from a different agency regarding the same debt. Apparantly allied interstate reported that the debt was settled but the original bank "never recorded it" and resold my account to another agency.