I have some payday loans outstanding and since I feel like I have paid up way more than I needed to and since I can't get in touch with these people, I decided to call my bank and see if they can stop all ACH debits. She said that since I authorized these transactions, there was nothing that can be done. Can someone please let me know what I can do next?

Company/Individual reported: Yes,we as a community called StandUpWhatsRight want to share that PayDayLoans on-line are into Pyramid Scamming. Please NEVER apply on-line for PayDayLoans. What happens is when you borrow a small loan like $300, you can make arrangements and pay each payday for the balance to come down. However, keep in mind, when you are getting close to paying it off, their other affiliate PayDayLoan Partner with another name will actually "buy your account", or take your account and the nightmare begins.

I've read several discussions were letters are being sent to the payday companies. If I recall, one was called a letter of verification?? Can anyone tell me what type of letters they've sent to these people and what results they've received? Any copies would be appreciated. Any feedback on how to research if a company is licensed in your state?

They were going to have me arrested and taken from my job....biy was i stupid...i paid..they said i could get a refund if i showed identity theft i did but how do you get them to do any thing or even return calls..

I can't find this information, but does anyone know who is not licensed to do business in NC?

I have just found out that I am deeply in debt and a lot of bills are way past due. I need help from a reputable debt advisor in the St. Louis area. Is there any help out there?

These are getting annoying...Any way to block them?

I have read several topics mentioning letters being sent to the payday lenders. I've heard letter of removal and letter of validation/verification? Can some give me a little guidance? I need to get the ball rolling on consolidating my payday loans. I will be contacting T&C on Monday but need to know what sending out letters will do.

Have been rsearching Texas law tonight...and think I might have a way to get some of my PDLs to cancel my debt owed...might not end up needing T&C afterall. Here's what I found in the Texas Code: Texas appears to have an interest cap of 48% apr + a $10 loan fee per loan. Also saw a statute regarding "alternate interest" on cash advances >$100. It states that a $10 acquisition fee is allowed + an installment handling charge of $4/month per $100 loaned. I have paid WAY more interst in this. How do you think I should proceed?

Hiday& Ricke garnished my wages thru my employer. Never asked me if I was head of household, I am (Fl law). Can they get away with that?