I had 2 loans, one from Spot on Loans and the other from Great Plains Lending. This made the second one I had gotten from Spot on Loans and the third for Great Plains Lending. Anyway last week, purely by accident, I discovered these loans were illegal here in NC. Sense then I'v sent emails revoking the ach agreement and a copy of what the law is here in NC. It took them 3 or 4 days but both acknowledged and accepted the ach revocation. Spot on Loans settled and Great Plains closed my account. Neither have responded on refunding the interest.

I sent an ACH Revocation letter to Sonic Cash which I am including below as well as their response. Any/all help is welcome on this subject.

Not heard a thing back from them :confused: Today was their big bottemfeeding to try to suck from my daughter's closed checking account :lol: Still no email from them. Do you think they just dropped it? Would be nice to get her money back but I would rather her be rid of these asshats. I've also filed a complaint with the AG and FTC. Dear Lender, My lawyer has brought to my attention that payday lenders must be licensed by the state of Indiana in order to offer loans to its residents.

Is it very possible to settle a credit card debt for 30% of the bill within the first 6 mos of delinquency, prior to charge off?

I have several payday loans and now i see there is an unauthorized one on my bank statement. I will have to contact my bank to freeze or close this acct. I'm in bad det with these and can't continue. Help. I have kept up with the payments but this unauthoized one will throw me into nsf. Can someone email me a letter i can use to request a payment plan etc...?

I believe this debt may be from a payday loan from 2005 which I owed a remaining balance of a little over 100 dollars. I tried to pay after some hardships. The company told me they sent it to collections. Upon notifing the collection company they are telling me I owe close to 800.00 dollars. I do know this amount is not right at all. It doesn't even fall in the guidlines for a payday loan. Needless to say I contacted the original company and they said I HAD to pay the collection company. As of today I see they are trying to serve me papers. Is there anything I can do about this?

Hi there, I had a loan with united cash loans and ameriloan, for many years. I stopped paying both of them 2 weeks ago. I closed out my checking account. On ameriloan I owe $1040 for a new loan, and United Cash loans, I owe $695. I emailed them the letter you told me about illegal loans, and asked them for a refund, Since I kept on renewing the loans through them for the past 2 years. Now Every evening i get a call from Ameriloan ph# 918-442-9103 telling me I have to pay them back. Do i Really have to pay them back? i dont think I need to Since I kept renewing the loans with them.

I have a question. I've been reading many many threads on the state licensing of online PDL. I visited one this morning and in the Legal Jargon that was actually posted on their website, it stated that by using the site, it is as if I was actually in a store front in British Columbia so I would have to abide by Canadian laws when it comes to debating that PayDay Max doesn't have a license to practice lending in Indiana.

is this a legal law office

We received a letter from Midland stating we owed 555.32, but they would give us a discount of 222.13 if we paid this month. We have never had an account with the original creditor they named and when I contacted them, they said the letter had been sent by mistake! This seems like a deliberate act of fraud since they backed off immediately without checking for proof we did not owe this debt. My husband and I are an older couple. I handle our bills since my husband is often confused about what is or is not owed - and would have probably paid this without question!