florida question
Date: Mon, 07/27/2009 - 14:43
I took out a few payday loans when I lived in New York. I found out after overpaying them that they are illegal in New York. Since then, I have moved to Florida. I go to the mailbox and lo and behold, they have sent me a notice from NCA.
Turns out that Kenwood is licensed in Florida. At least I think so. Anyway, my question is, since the loan was taken out in NY, is it still illegal even though I live in Florida now?
Turns out that Kenwood is licensed in Florida. At least I think so. Anyway, my question is, since the loan was taken out in NY, is it still illegal even though I live in Florida now?
At the date and time you took out the pdl's you were a New York
At the date and time you took out the pdl's you were a New York resident, so the New York laws apply.
If you have overpaid them why are they contacting you in the first place?
The state you were a resident of at the time the loan was taken,
The state you were a resident of at the time the loan was taken, is the state law which prevails. Send this collection agency a validation letter BEFORE your thirty day window expires.
Should I email or snail mail it? I have no idea why they're sti
Should I email or snail mail it? I have no idea why they're still contacting me. I have overpaid these people.
