What Next.

First off thank you so much for providing this forum it seems that every one here has a genuine interest in Helping People.
I managed to get my self into PDL purgatory. Hey paying off one loan with another seemed like a genius idea at the time.
I have used some of the threads in the forum to get me self going in the write direction. Any Ideas on how to proceed or reassurances that this will turn out okay would be welcomed.
I have been living off CashNetUsa loans for the past year 25 bucks every 2 week didn't seem so bad.
Had some car trouble, then like magic the add in my gmail had the answer for me.
I wish i could remember what site I entered all my personal information into the internet at but i can't. 10 seconds later my cell phone rang my work phone rang and I took the first offer I got. A nice young lady directed me to the website, were we finalized the transaction.
Did i really just send my bank account and routing information to every loan company on the internet. I guess we all have our moments of weakness. I really thought I was smarter than that.
The next day there was 500 dollars in my account from FARC-services also known as splash cash. The loan fee is 175 dollars and I have paid 1 175 dollar renwal fee
Strangely there was also 250 from St. Armand's Group. I never agreed to a loan with them. Either on the phone or on a website. I did however have an email from them in my spam box.
[QUOTE]This is an automated email message in regards to the online application you have filled out.
Please do not reply to this message use the company contact information at the bottom of
this email.
Confirmation #: xxxxxxxxx
Congratulations Ryxx Wyxx, you have been approved by St. Armands Group LLC.
Please review your loan documents by clicking the Loan Document Link.
https://idoc.qloans.net/xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
If you cannot click the link please copy and paste the link into your browser
Your funds will be deposited to the account listed in your application by the morning of the next business day.
Thank you,
St. Armands Group LLC
877-907-5384
[email]starmandsinfo@cwbservices.net[/email][/QUOTE]
What I have done so far.
First I called Cashnetusa since they are licensed in my state and worked out a reasonable payment plan
Then I went to my local Bank of America Branch to close my account.
I tried to explain that the loans were illegal, they said "well you did sign a contract". After being made felt like i was committing fraud and bank manager approval my account was closed.However they couldn't guarantee me that the account wouldn't be reopened if an ACH hit it.
I sent the following email to
[QUOTE]My Name is Ryxx Wyxx My email is [email]ryanwyman@gmail.com[/email] My SS # is xxx-xx-xxxx
It has come to my attention that payday loans are prohibited in the
state of Maine. Therefore, the loan contract that I have with you,
according to my state’s laws, is not enforceable. Although I am not
required to do so, I am willing to repay the principal balance of the
loan. To date, I have received $500 and have made 1 “renewal” payments
of $175 leaving a balance due of $325. I am willing to repay the $325
balance via pre paid debit card no later than 7/30/12 Please contact
me at 207-xxx-xxxx so we can work out a reasonable Payment
arrangement. Furthermore the only number you have my permission to
contact me at is xxx-xxx-xxxx, and calls to my friends relatives or
employer will be considered harassment and be treated as such.
At this time I am revoking ACH authorization. You are no longer
authorized to withdraw payments from my checking account. I am also
revoking 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, considered Fraud and
be reported to the Federal Trade Commission.
Please contact me to set up payment arrangements as outlined above.
[/QUOTE]
I have not heard back from them yet won't know if the ACH went thru till friday.
I also sent a similar letter to St. Armand's Group
to which I got this reply
Quote:

Dear Ryan , We respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan, it would have behooved you to read the complete contract you agreed to with St. Armands. You are a citizen of Maine, however the contract was not made in Maine. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature are the laws of the jurisdiction in which the lender is located. We would be willing to settle with you for the principle amount remaining on your account. We could initiate the debit to your account of $250 on your next due date of 6/1/2012. If making one payment to payoff the principle isn’t possible for you, then another payoff arrangement may be available. Please call to let us know how you would like to proceed and ask for me directly. If I am not available, then please request a supervisor. You can also have the debits stopped on your account by placing a stop payment on our debit. This will result in your being sold to outside collections. CWB Services LLC. p. 877-907-5384 f. 888-368-8512