Missouri installment loan help!

Except for Payday One and Check n Go, the rest of the lenders you listed are illegal. Send out copies of ACH revocation letters to your bank and to the lenders immediately. You can also shut down your bank account after you do this to be doubly sure that they do not attempt to debit your account without authorization. You owe these illegal lenders nothing more than the principal amount. In case you have overpaid, they owe you a refund.

There are many Payday Ones out there (only one of which is legal), so a link to the site which you borrowed from would help us verify it. As for Check n Go, if you have trouble paying them, call them and negotiate a payment plan.

Okay, the poster above me is wrong. Cashnet which I'm thinking you mean Cashnetusa is a licensed lender in Missouri, so you'll have to work something out with them. 2nd, Spotloan used to be Zestcash which was licensed with MO but Spotloan took charge of loans in July 2012 and they're illegal in MO. 3rd, Check N Go is a store-front business all over MO and they're licensed as well, so you'll need to work something out with them too. If you don't then they'll come for you potentially in ways you don't want to go through. So communication is key with them.

On the others, I'm pretty sure they're illegal. If you owe any principal on them at all, then you'll owe it morally. If they owe you anything then you can try to get a refund if you have receipts and proof to back it up.

4th, the consolidation will not help you, it'll just put you deeper in a hole. Read around on here, you'll see that 99% of those companies claiming to be there for consolidating payday loans and the related are a hoax and they'll steal money from you & not help you. Besides, if there are loans that are illegal to begin with, then the contracts are illegal and they can't touch you. You shouldn't have done that because now you have got to go through more hoops potentially before you're out of the woods.

I live in Missouri so I know that Cashnetusa & Check N Go are legal. Cashnetusa will want some payments rather soon but if you can't make them then let them know and just talk to them. I hope this helps.;)

Great Plains Lending are not co-operative at all. They harassed me like anything. They threatened to take legal action against me if I didn't pay off the loan. Thanks to this forum, I came to know that this company is illegal. I followed the steps mentioned in this thread:
http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html
It helped me a lot. I hope this page also helps you.

@Hiya - CashNet and CahNetUSA are two different entities. One is an illegal tribal lender and the other is a CSO in MO. I went by what the OP said and did not assume anything otherwise. It would not be a good idea to do so.

As for Spot Loan, it does not really matter if they were once upon a time Zest Cash. Now they are tribal (Turtle Mountain Band of Chippewa Indians of North Dakota) and therefore illegal. No assumptions there either.

So how was I wrong here?

How much have you paid to Great Plains - They were the easy one for me - they responded quickly and I confirmed yesterday on the phone that my account was closed at a 0 balance.. the young lady I spoke to said there were several inside notes on the account that it was closed to due legal reasons after I sent in my ACH revocation, go figure. Let me know if you need any help here.

My original loan was $1100, have pain $1383. I have sent numerous emails stating that my account is PIF, but no reply yet.

This is the response I received from them.
Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account. Your account has been closed from further collection activity.
Have you tried to log in to your account? If it is blocked more than likely they have done the same.. Let me know.. When you are emailing them are you getting an email acknowledgement back?

My first email to them was on Oct 10, which the response I got was that my payment did not go through. The last email to them was yesterday, and I have not gotten a response as of yet. Every email basically says same thing, that my loan with them is not legal, and please acknowledge my account as PIF.

How long did it take for you to hear from them?

on 10/2 and 10/5 both I sent them this email from their own website in the contact us section... because I was getting reminder notices about my upcoming payment.. both times I received an email back acknowledging receipt of my email

On Oct 2nd I emailed - " It has come to my attention that this loan is illegal in my state, due the Small Loan Rate Cap of 36% per year in place in Arizona and not being licensed to do business in Arizona. Therefore, the loan contract that I have with you, according to my state???s laws, is not enforceable. I have contacted the Arizona Office of Financial Institutions and the Arizona State Attorney General???s Office regarding your internet loans and was informed they are indeed illegal in Arizona and was advised to pay what is due according to principle amount only of the loan. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $ 500 on (4/24/2012), and have had 9 bi-weekly withdrawals of $115.02 debited from my account. This results in an over payment of $535.18. At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $535.18 over payment. A refund check of $535.18 should be mailed to me at the address you have on file. I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment, my home or cell telephone number. I also prohibit you from calling my references listed on my loan. Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email."

The second email on the 5th of Oct, I added:
""Can you please tell me why as of this morning I received an email telling me that you will be taking my payment via ACH tomorrow, when you have already received the following message on the 2nd of Oct, which I am still awaiting a reply to as to when I can expect my refund for over payment. I am again including the previous message, reminding you that I have revoked ACH authorization... Great Plains Lending, Reference #xxxxxxxx"

on the 8th of Oct I received this email from them: and could no longer log in online to the account I had with them --
"Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account. Your account has been closed from further collection activity."


Can you still log in to your account that you had with them - did you receive and email back from them acknowledging that they got your email?