Over paid on an "illegal" payday loan, I need help!
Date: Wed, 08/15/2012 - 02:12
I have a payday loan with Whitehills cash, and overpaid them at least, $540, the principle amount was for $300. My bank account was closed due to the high amount of NSF fees I receieved from PDL companies. (I am currently paying that off) My sister received a call from one of their collectors, and I was so embarrassed that I agreed to a payment plan. I have read many postings on this site of borrowers being over charged and the debt being settled as paid or receiving refunds from illegal lenders.
I would like to know my rights as of now. Would I be able to attempt to receive a refund even though I agreed to settle the debt? I have also paid $75 to them as part of our agreement. Which now brings my total to $615 of overpaid fees.
P.S. I live in Texas.
I would like to know my rights as of now. Would I be able to attempt to receive a refund even though I agreed to settle the debt? I have also paid $75 to them as part of our agreement. Which now brings my total to $615 of overpaid fees.
P.S. I live in Texas.
You should only repay them the principal. If you've paid more t
You should only repay them the principal. If you've paid more than that, you need to request a refund.
You can follow the steps in my signature link.