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Payday loan help!!!

Date: Wed, 11/04/2009 - 20:43

Submitted by JoyRC
on Wed, 11/04/2009 - 20:43

Posts: 3 Credits: [Donate]

Total Replies: 7


I have been reading the thread and I have 10 payday loans. Yes I have gotten caught up in this cycle. I telephone them and tried to negotiate payment etc. and only one would let me do it, however, it is month by month. They may not let me every month.

I read of all of the problems closing your bank account and I didn't really want to close it since my mom's account is hooked up to my checking account. Also, I did not want the PDL to start calling my references.

I have not defaulted on them yet, but I really need some help. I want to pay them off but i need my payments lowered.

Cashbanc - $512
Cashtransfercenter - $2,000
Check to go - $800
Eastside - $620
Mycashnow - $1,500
oneclick - $520.
paydayloan - $520
paydayone - $1,236.00
paydaywiz - $620.00
usfastcash - 585.

I don't mind paying someone to help me with this. I have tried to do it myself and it is frustrating. Please help me!!!!


Thanks SC for your reply.

I live in Maryland. I think that they are online loans at least I signed up for them on-line. How can I tell the different?

Cashbanc.com - $512 - paid finance charges $154 (3 times)
Cashnetusa.com - $2,000 - paid $335 finance charges (2 times)
Check to go - $800 - paid $129.00 finance charges (3 times)
Eastside - $620 - paid $150 finance charges (1 time)
Mycashnow - $1,500 - Paid $313 finance charges (2 times)
oneclick - $520. - paid $120 finance charges (3 times)
paydayloan - $520 - paid $100 finance charges (3 times)
paydayone - $1,236.00 - paid $235 finance charges (3 times)
paydaywiz - $620.00 - paid $120 finance chages (2 times)
usfastcash - 585.00 - paid $135.00 finance chages (2 times)

I pulled up Maryland and this is what it said:

State Legal Status
Lending of payday loans are prohibited in the State of Maryland.

Interest Rate Cap on Small Loans


  • 2.75% per month
  • 33% per annum
What would you suggest that I do.

Thanks again


lrhall41

Submitted by JoyRC on Thu, 11/05/2009 - 18:48

( Posts: 3 | Credits: )