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I live in florida and have defaulted on several internet pay day loans.

Second payday loan with ameriloan $250.00 amount paid $300.00

Second payday loan with CashNetUSA $500.00 amount paid $387.01

Loan with Sandpoint capital $200.00 amount paid $720.00

Loan with Jd Marketing Group $200 amount paid $240.00

I have also already sent letters stating that i revoke all debits from my account and these companies are still debitting. What others rights do i have?

I can tell you that Cash Net USA is a legally operating company. They can take steps to collect. I would recommend making arrangements to pay off that debt.

Sub: #1 posted on Sat, 09/15/2007 - 12:27

goudah2424 goudah2424

(Posts: 7935 | Credits: )

The company goudah posted will be licensed/legal. One company listed is illegal/unlicensed. I'm not sure of the others, if they are licensed/legal. I'm going to post your Florida state pdl law for you so you can see it. However, let me first tell you that sending the letters revoking debit authorization will not prevent them from debiting. Mainly the illegal pdl's will continue to debit regardless. In this case, the best thing to do is to close your bank account and open a new one at a new bank. There is a sticky at the top of this site page regarding closing your bank account. Read that carefully. If you have any questions regarding closing your account, any questions regarding your state law, or any questions regarding the pdl's you're dealing with, please post. We can help you further. :D

Sub: #2 posted on Sat, 09/15/2007 - 23:56

cannr cannr

(Posts: 9317 | Credits: )

F.Y.I. - We have quite a few members in your state that would be able to give you good information!

You will find the Payday loan laws for Florida here (just select your state), dls-laws.html

Sub: #3 posted on Sat, 09/15/2007 - 23:59

cannr cannr

(Posts: 9317 | Credits: )

does any one know which of these ipdl are legal other thn cash net?

Sub: #4 posted on Sun, 09/16/2007 - 13:27


I know ameriloan is unlicensed/illegal. I haven't heard of the others. Hang on. We'll have a florida person here soon! Hang on! :D

Sub: #5 posted on Sun, 09/16/2007 - 17:02

cannr cannr

(Posts: 9317 | Credits: )

Hi ibe- I am pulling some info for you right now, but I do have a posted "second payday loan" and then "loan". So we can help, is there some distinct differences between the two?

Sub: #6 posted on Sun, 09/16/2007 - 17:26

volleyballmom volleyballmom

(Posts: 4143 | Credits: )

Heres some info on JD Marketing:

J D Marketing
7473 W Lake Mead Rd
Las Vegas, NV 89128
(866) 722-2136
BBB has them as unsatisfactory and they are indeed illegal.

Couldnt find anything on Sandpoint Capital

Sub: #7 posted on Sun, 09/16/2007 - 17:51

volleyballmom volleyballmom

(Posts: 4143 | Credits: )

I don't know about Sapoint either. ameriloan is illegal as Cannr says. Send them a letter requesting they mark you account paid in full citing Florida's laws. They are a company that goes 50/50. %0% of their clientele they will agree with without a fuss, the other 50% they argue with and continue trying to collect their money (or at least what they think is their money, but we know is illegal interest and fees).

Sub: #8 posted on Sun, 09/16/2007 - 18:17

pybasj pybasj

(Posts: 818 | Credits: )

Apparently Sandpoint Capital is HIDING. After doing a google search, I did find a telephone number and a fax number. However, nothing comes up under the name or telephone number. Are they using another name, by chance? Anyway, here is what I found:

Telephone: 1-800-708-4342
Fax: 1-817-335-1100

Sub: #9 posted on Sun, 09/16/2007 - 20:24

cannr cannr

(Posts: 9317 | Credits: )

i got a call at work today from a collection agency susposely but i didnt talk with them. Well i looked at my loan documents from sand point and found a address for them from the west indies. I will be sending a letter to ameriloan with the paid in full request and see what happens. I also got a call from a lady at cashnet and she couldnt set up arrangements that i could afford, but she did give me the western union/ money gram info. So i guess that i will send them what i can

Sub: #10 posted on Mon, 09/17/2007 - 15:36


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