I need help

welcome jriv,we need the following info.

1)the names of the pdl's
2)how much borrowed from each
3)how much paid total to each.

once we have that we can help you here.

Unless the companies you have loans with are licensed under the small loan act Code Regs. ???? 45:14 8, they are prohibited. Please provide us with the info that Paul requested so we can be of further assistance to you. :)

Massachusetts State Information here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Yes, you will get much better advice if you provide the requested information. In the meantime, here is a thread about closing your bank account:

http://www.debtconsolidationcare.com/paydayloan/close-account.html

Also, you cannot go to jail for unpaid bills.

Geneva - Roth Capital (LoanpointUsa) borrow 390.00 paid 1,440
EME Marketing - borrow 260.00 paid 960.00
Nevis - borrow 260.00 paid 960.00

East Side lenders 375.00 paid 225.00

UCFIN 390.00 i started to pay down

One click cash 260 I stated to pay down

Upfrontpayday 520.00 I started to pay down

epay 390.00 I started to pay down

cash supply 225.oo I started to pay down

Eastside Lenders, unlicensed/illegal (the amount you owe is $150.00, make payment arrangements)

UCFIN Not sure what that is, please post what it stands for.

One click cash -unlicensed/illegal to lend in any state in the US.

Upfrontpayday -unlicensed/illegal.

epay - I'm not sure about them but I suspect illegal/unlicensed, if I am incorrect, someone please correct me.
e-payday-loan.com
PO Box 571992
Murray, UT 84157

Cash Supply -is licensed somewhere but I am not sure where.

You need to send these companies a letter revoking everything, wage assignments, ACH transactions, and tell them to cease and desist contact with you other than USPS AFTER you have your account secured.

Sorry I just realized I missed a few of your pdl's. :?

Geneva Roth Capital - I'm not sure but I think they are licensed in another state, I know based on some of the posts here at the forum they are very difficult to deal with.
P.O. Box 148
Shawnee Mission, KS 66201
Phone: 800-351-8820
Fax: 800-351-8830

EME Marketing -Not sure but I suspect they aren't licensed. You have WAY over paid them!

Nevis -SSM Group is illegal and unlicensed! They are in Nevis, West Indies. You have WAY over paid them too!! :shock:

How about GENEVA, EME Marketing, Nevis and E-z pay day cash (UCFIN). I am so new in this.. and confused as well.. which letter I should send them??? WHAt means "USPS" after you have your account secure???

SO I should send them a letter as well??? I am so tired of paying them so much...

Upps I Forgot three more... Loanshop 230.00 and quick911 390.00 and zip19 that 480.00...

USPS is the United States Postal Service. Securing your account means one of several things, putting a hard block on it, making it a deposit only account or the preferred, closing the account altogether, so the PDLs do not have access to your money any longer. That is really the only way to stop them from taking any addiitonal funds. But, as Shazz has said, you MUST do this before you inform the PDLs or they will go into your account and take, take, take. Just follow the good advice you get on this board. We will walk you through the process, step by step. Hang tight.

Have you closed your account yet? Because you really need to do that, and make sure your account will NOT be re-opened under any circumstances, just tell the Branch Manager you are being duped by these pdl's and need to get control of your money back, tell the bank you are making arrangements to pay these off by USPS (United States Postal Service), and whatever you do, don't make payments with checks, use money orders only so you will have a paper trail, and keep track of what you are paying them. Send a letter, something to this affect: Oh wait, let me look around the forum and see if I can find you a sample letter. :? Send it certified mail, return receipt requested, or send them via email, and also fill out complaints online to your state Attorney General, The Federal Trade Commision (link in my signature) and the BBB.

The Loan Shop AKA B.I.G., illegal and based out of Malta I believe.

quick911 - I'm not sure, I've not heard of this one.


zip19 -I'm not sure about them either, but I suspect they are unlicensed also.

No,, I will close the account today... so then I will send letter out...

I'm so afraid..

Don't be afraid, just make sure you get the letter out BEFORE you close your account. I am still searching for a sample letter, having problems locating it today. :?

THANK THANK THANK>.... You're the best... ;-)

ok..... Do I have to pay them only what I borrowed... example... I borrowed from upfrontpayday $400 but with the finance fee $520.00 - I need to pay them $520.00???

step by step..

1. closed bank account
2. send letter out
3.fill out complaints online to my state Attorney General, The Federal Trade Commision and the BBB (????). Where I can find their e-mail addresses or mail addresses???
4.make arrangements to pay if necessarry...

Did steps are correct to follow???

OMG! I am an idiot, I meant close your account BEFORE you send the letters! :shock:

Just pay them the principal amount borrowed, if you borrowed $500.00, pay them $500.00, period! And the ones you over paid, request a refund, let them know you have filed complaints against them. I have a pretty good cease and desist letter at home, since I am at work don't have access to it, but will post it this evening for you. :)

step by step..

1. closed bank account
2. send letter out
3.fill out complaints online to my state Attorney General, The Federal Trade Commision and the BBB (????). Where I can find their e-mail addresses or mail addresses???
4.make arrangements to pay if necessarry...

Yes, that is correct. You can fill out a complaint online with all of them, just google 'online complaint for Mass Attorney General. The FTC is in my signature, just click on it and it will take you directly to the FTC site to file a complaint, make sure you make them aware that these companies are illegal, and be prepared to give them website addresses, amounts, etc. :)

Sounds like you have a great start. Like I said in my "guest" post, follow the advice you get on here, step by step. Don't be afraid. . . .once you get control of your money by closing your bank account, the ball is back in your court. All will be well.

Thank you... I will try my best... I find out that something is pending in my bank account.. it will be clear tomorrow.. So I will go tomorrow morning to the bank,, to close the bank account... I don't have anything pending until Thursday and Friday that this loan will go to the accout...