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Indiana - online PDL Troubles

Date: Wed, 09/05/2007 07:59

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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.

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Total Replies: 235

Oh, it's me Bikergirl again.... How do I check to see if these companies are licensed in my state?

Sub: #51 posted on Thu, 09/06/2007 - 16:16

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me again, Bikergirl... I printed this letter out and I am going to use this along with my cease letters to see what happens. I am also going to file complaints with AG. I also found another letter stating that if they charged over the allowable interest that the loan would be void as well. Just gathering me some ammunition, lol.

Sub: #52 posted on Thu, 09/06/2007 - 16:47

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Bikergirl, you can check the liscensing of your pdl's on paydalaoninfo.org click on your state and go from there. Some one will be by soon to answer your other questions. Roxy

Sub: #53 posted on Thu, 09/06/2007 - 17:01

RoxyNY
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(Posts: 4178 | Credits: )

If you check your earlier posts..I checked all your pdls already...please read the info I posted for you earlier in this posting...all the info is there for you.

That secondary letter from Indiana..I was told any loans made after 07/01/07...if the pdl loans more than 25 times in the state without a license they will be rebuked. File with our Indiana AG's office they were very helpful to me.

If you need anything else please let us know...

Sub: #54 posted on Thu, 09/06/2007 - 17:20

Morningstarr430

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Thank you Morningstarr..

Sub: #55 posted on Thu, 09/06/2007 - 17:21

RoxyNY
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Biker girl...all the info I posted for you in on page 2 of this posting...

Sub: #56 posted on Thu, 09/06/2007 - 17:22

Morningstarr430

(Posts: 2329 | Credits: )

I spent the afternoon emailing ipdl companies for old loans I have because I want to pay them off but they havent given me anything in writing. Thanks to Morningstarr430 I sent them a professional looking email- Should I expect nasty emails now?

Sub: #57 posted on Thu, 09/06/2007 - 18:30

Tweety71

(Posts: 2061 | Credits: )

It's me Bikergirl... Morning, do you have any suggestions on what to say when I file with the AG?

Sub: #58 posted on Thu, 09/06/2007 - 18:35

Unregistered

That would be great to know what her secret is :P I've had absolutely no luck......

Sub: #59 posted on Thu, 09/06/2007 - 18:47

Tweety71

(Posts: 2061 | Credits: )

I went to the AG site and printed off the complaint form;http://www. indianaconsumer.com/consumer_complaint.asp

I filled one out for each ipdl I was complaining about. I had 5 that I had paid/overpaid. Then I attached to each complaint the C&D letter I wrote, and an emails I may have ahd from them. I then wrote a letter explaining how I had gotten involved in these loans without realizing the illeaglity of it all..and how I was trying to set things right. I asked for help.

About a month later I got a letter saying my complaints were being investigated. About a month after that I got another letter from the assistant AG that was handling my mediation. He sent me a copy of the first answer they had gotten with recommendations to accept their offer. It was the 1st PIF I got from them.

Sub: #60 posted on Thu, 09/06/2007 - 18:59

Morningstarr430

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