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Indiana - online PDL Troubles

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I live in Indiana and I have taken out several online PDL's. A few of them have just charged me the interest for over a year now. I am in a trap and can't seem to get out of it. $300 a week is taken out of my checking account and that is just the fees. The companies I deal with or have Dealt with are Cash Direct, Up Front Pay Day, Paycheck Today, Discount Advances, Interim, Instant Cash Til Pay Day, One Click Cash, MTE, and Zip Cash. Any suggestions would be helpful.




Oh and one more thing, I can assure you that once I get out of this, I will NEVER, EVER, EVER, EVER get a payday loan again!!!!! I just hope I'm up for the harrassment. You all are so encouraging. I'm just very scared!!!

Sub: #21 posted on Wed, 09/05/2007 - 10:34

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Make sure your bank assures you that it can not be forced open with the ipdl debits coming through..this happened to me and created a hell storm of nsf charges.

If you must change your name...PM mike and he can do it for you.

Sub: #22 posted on Wed, 09/05/2007 - 10:34

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )

HB I was scared to...believe me!!! But when yu hold that first check in your hand and you can start paying your other bills on time and sleeping again at night...you will know we were right!!! You have more work to do...let us know what help you need...you will be fine..:)

Sub: #23 posted on Wed, 09/05/2007 - 10:36

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )

Morningstarr is right. I used the "someone opend illegal loans in my name and I am trying to fight them." I also told our switchboard operator the same thing and asked all calls no matter what to be put through to my extension. I have been getting serious cooperation at work. My cell, if there is a number on caller ID, I sotred the number and programmed it to ring sinlent, so I do not hear if they call.

Sub: #24 posted on Wed, 09/05/2007 - 10:36

RoxyNY RoxyNY
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Who's Mike and how do I get a hold of him?

Sub: #25 posted on Wed, 09/05/2007 - 10:40

BikerGirl BikerGirl

(Posts: 89 | Credits: )

Mike is the admin for the site. Go to this post:

http://www.debtconsolidationcare.com/cajunbulldog/moderat e-3.html

And find a post by Mike. Click on the PM button under his post and send him your request to change your username. He will change it for you!

Sub: #26 posted on Wed, 09/05/2007 - 10:46

goudah2424 goudah2424

(Posts: 7935 | Credits: )

any payday loan taken out AFTER July of 2007........should be considered VOIDED if NOT licensed? Could you doing copy and paste in an email stating that?

Sub: #27 posted on Wed, 09/05/2007 - 10:57

Tweety71 Tweety71

(Posts: 2061 | Credits: )

Tweety...just tell them they are not licensed and that means they are lending against the law...list the law for them...I also sent a copy of that whole new order...I was told by the AG office that it applys to companies who issue more than 25 loans in a year after that 07/01/07 date. What places are you having issues with??

Sub: #28 posted on Wed, 09/05/2007 - 11:01

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )

I need to get a copy of that order.......if its the one you sent me I will use that one...

Nationwide cash
bahmama marketing
m1y direct
access
borrow cash now


I'm trying to do the right thing by validating the amounts but I'm not getting anywhere....

Sub: #29 posted on Wed, 09/05/2007 - 11:05

Tweety71 Tweety71

(Posts: 2061 | Credits: )

Tweety...they will never tell you the right amount that you owe...can you go back and look at your bank records to see what you paid?? If you are following Indiana law you are only going to pay the principle plus the allowed interest under our state law/minus what you already paid. I think I also sent you my C&D letter didn't I?? And you have the state laws right??

Sub: #30 posted on Wed, 09/05/2007 - 11:13

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )


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