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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.




Tweety...I really only got nasty emails from one of the ipdls I had, a couple just kept sending the same one telling me that their debit was refused...duh!

After i sent my letters to the AG I haven't heard from any of them except when getting my PIF. Ot ut of the other 5 I had that I still owe...I managed to make arrangements through my debt management program and have paid off 2 of them so far. So out of 10 I have 3 in the dmp and the 2 I haven't heard from??....GFSIL....and MCN...and I really don't expect to hear from them any time soon!!

Sub: #61 posted on Thu, 09/06/2007 - 19:03

Morningstarr430 Morningstarr430

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It's me Bikergirl again... Morning, If I have any questions, will you help me fill them out? I'm going to start over the weekend and have everything ready to go once I close my bank account on Tuesday.

Sub: #62 posted on Thu, 09/06/2007 - 19:10

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Sure...just PM me or post to me and I will check in as often as I can...right now with my back I can only sit up for short periods...but I do check in several times.

Sub: #63 posted on Thu, 09/06/2007 - 19:21

Morningstarr430 Morningstarr430

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me Bikergirl again, I can't seem to get logged in for some reason. Anyway, I have a couple questions, I some of my loans have only been renewed once or twice, however I have used the same company for past loans that I pd the renewals on and then paid off can I go back and use what I pd on the last loan with them and count toward my new loan, or would I have to just use the numbers for the new loan? Also who said they were in Indiana?

Sub: #64 posted on Thu, 09/06/2007 - 19:42

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I tried that with one of my loans that I so overpaid the first time...and I still owed like $100. on the second one...they refused to acknowledge the first loan. And we are still fighting about it...it's one of the 2 I haven't heard from since the AG letters went out. So in a nut shell I was told by the DFI office (Department of Financial Institutions) that no it probably would not work to pit a past loan against a new one.

I'm sorry I didn't understand your last question.

Sub: #65 posted on Thu, 09/06/2007 - 19:49

Morningstarr430 Morningstarr430

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me Bikergirl... Who said they were in Indiana, I need to keep in contact with them regarding our laws in Indiana and closing bank accounts, I don't understand it.

Sub: #66 posted on Thu, 09/06/2007 - 19:56

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I am in Indiana and so is Tweety. There are probably a few others also.If you just post we will be there for you...we learn each others laws as we go along...you will be fine.

Sub: #67 posted on Thu, 09/06/2007 - 20:03

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )

i am in the same situation as bikergirl, i live in indiana, and recently opened online loans from a few of the same companies and i need help. not sure what to do? any advice? sounds to me like closing down the account is the best way to handle it. if anybody has any other ideas please please let me know. thanks!

Sub: #68 posted on Thu, 09/06/2007 - 20:17

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Wrighton welcome to the forums...actually if you go back to page 1 of this posting, all the info you need for Indiana is here. Just post any questions you may have and we will help you along. also please read:

http://www.debtconsolidationcare.com/paydayloan/close-acc ount.html

Many times the only recourse we have is to close our account and open a new one. Please read as much as you can to understand the process.

Sub: #69 posted on Fri, 09/07/2007 - 03:34

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )

me Biker girl... Too funny Whister did not withdraw their $90 out of my checking account today and I haven't closed my account yet. Hmmm... I have been paying them since July/06. Should I call them, I haven't filed anything or even taken action at all... I think they read this forum.

Sub: #70 posted on Fri, 09/07/2007 - 05:39

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