payday loans

Have you searched the 'My Posts' section that is there on the right hand side of your page?

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Thank you for encouragement. Am Maryland resident. Submitted a complaint for payday lender to AG office. They in turn sent to the MD Commission on Financial Regulation as the AG office does not handle. Rec'd a call from the Commission and they are going to handle my complaint. I advised them that I have a total of 13 PDL's. They took names and advised me that if I receive calls from any of them to advise PDL's that they are being investigated. I need to send copies of contracts, etc. They will keep me informed of outcome. Maybe now I can breath a little better knowing that somehow this will eventually end my payday nightmare.

Payday loans are prohibited in the state of Maryland, however, there are registered CSO's so not to get them mixed up with payday lenders. CLICK HERE to find out how to deal with illegal lenders.

You can do it! I had 8 internet loans and 2 storefront loans. Through the great advice of this forum, I am now down to 3 internet and 2 storefront. By the middle of January, I should be completely done with all my payments and will be totally free of the payday loan nightmare. My only advice is "stay tough." Don't let collectors intimidate you in anyway. You can do it!

As a Maryland resident I've also worked with the State Dept. of Financial Regulation; with their help, along with THIS great website, I've gotten out of the PDL trap. Lemmee tell you, it's a great feeling and you can do it, too.

Sounds great. I just have to find time to send all my docs along with amounts borrowed and amounts paid which amounts to quite a bit of money. Hopefully, this will be completed this week. I feel much better since I found this website. Everyone seems to be in good spirits knowing that their payday troubles are on their way out the door. Keep up the good work.

Hello, have been reading posts concerning VIP. I had been paying $120.00 a month since 8/15/09. I closed my bank account in May, 2010. On May 31, 2010 I paid VIP
$150.00 with a reloadble green dot card. According to my records I have paid $1,230.00 in fees minus the original $300.00, I am due a refund of $930.00. I am going to send email to David Cobbett and request refund and PIF. Hope this works.:rolleyes:

Be persistent with your demand for the refund. Send them your letter again and again. Their inbox should be filled with your mail. And, file cases against them. Then, you have to wait and pray. I am sure, you will get the refund.

Hello, I have also sent letters to Quickest-Cash-Advance, UpFront Payday, Instant Loans Now and Cash Jar requesting refunds totaling $4,080.00. Has anyone had any luck in getting refunds and/or PIF letters from these PDLs?

Getting a refund depends on how you are handled your refund issue. Be persistent with it. I, myself, received a refund from QXL online. Have you filed the cases against them with the FTC, your states' AG and the BBB? Please do it.

Yes, I have filed with AG and the Maryland Commission on Financial Regulation. Just sent letters to PDLs today. Hopefully, they will respond. If not, I will keep sending letters.

OMG! I just sent out letters yesterday to Upfrontpayday requesting refund of $2,750.00 and Instant Loans NOW requesting refund of $2,255. I received an email from Upfrontpayday today stating "Thank you for choosing Instant Loans Now for your financial needs. There is a zero balance owed on your loan, the refund for $2,255.00 has been issued for tomorrow. Thank you, have a nice day! I believe that these two PDL's are sister sites. Question? Can this really be happening. Can I expect the refund. :D

Let's hope so! I still have my fingers crossed waiting on a refund from Everest. Keep us updated when you receive it.

WOO! HOO! I sent letter to VIP last Friday, November 12, 2010 requesting a refund. After a few emails, I received in mail today a refund check. Was not the amount asked for but, at least, the PIF letter states that I have zero balance and my information will be frozen and archived. It feels wonderful to regain some of the money that has been illegally taken. Hope that everyone has a chance to feel how happy I am. Still have a ways to go. Wish everyone the very best of luck!!!

I have out a few requests to settle my overpaid accounts. I have got word from 2 of them so far, Magnum and Zip19.com. They both stated that my accounts are closed PIF and they will not issue a refund. I would love to get refunds from all my pdl's, but I'm not keeping my fingers crossed. Way I figure is these two are not located in the USA and it'll be a futile effort to keep persisting they issue refunds. They say I'm applicable to the laws from their country.

I will say that dealing with pdl's on my own vs. letting a debt company is proving to be much more productive. The debt company, Destination Debt Solutions, was handling my accounts. They would have had me paying back more than 7600 to all the companies I took loans with. I dropped them on Tuesday of this week and sent letters out to my lenders. Just the two I mentioned above has saved me at least 1000 that I would have paid back using Destination Debt Solutions approach. Makes you wonder if they're working for the pdl companies...

We all need to keep sending messages to these companies that what they offer, no matter how convenient, is not helping anyone who has financial difficulty. It makes matters worse by putting good people deeper into debt. Hope one day every state in the country outlaws these types of "services".

hello all,
I have received refunds from Instant Loans Now and Upfront payday. I was wondering if anyone has a mailing address for Portfolio Recovery who is collecting for Manhattan Processing. I am working with the MD Dept of Financial Regulation and they need an address to send letter stating that what they are doing is illegal. They have been told not to contact me and they are still doing so.

http://www.bbb.org/us/Find-Business-Reviews/#middle-result

Just type in Portfolio Recovery, there are several addresses.