What should I expect after this behavior I am seeing?

They are ticked at you because you turned off the spigot of instant money (ACH access). Good for you! One word of caution: installment loans are funded by banks and in most cases (depending on the state) are legal. Be more careful with an installment loan, as the rules are different than PDL's.
As for Cash Call, it sounds like its days could poss be numbered. I posted a link that I got in my email yesterday about a pending class action suit against them in California. If I hear more, I'll pass it along.

With regards to the cash store, you better verify with your state regulator that the loan is illegal and you truly owe only principal. The regulator may tell you to treat the loan as if interest is at the statutory max (i.e. only pay the company at 12 percent interest) You better be careful with them since they have a presence in your state.

Your point is very well taken and I appreciate it.. I did check our Department of Commerce website and we have separate sections, one for regulated lenders, one for payday lenders, and one for institutional thrift institutions, that you can do a search on to see if they are licensed in Minnesota or not. The Cash Store is licensed in Wisconsin, and several other states, but not in Minnesota. If the least that happens is that they lower the interest rate, I can live with that!

We were in such bad shape, we had to do something!

Thanks to this site, I knew I had to be careful about those places backed by banks. The Cash Store is a DBA of Cottonwood Financial, LLC, headquartered in Irving, TX. Does this make a difference?

This is "cashstore.com" right? If so, I'm not even seeing that they have locations in your state. Like I said I can't stress this more - call your state regulator and speak to a human. Going on the website is not enough. For example a few weeks ago someone looked up whether or not CashCall was licensed in a state - they couldn't find them on the search. It turned out they only came up when you typed in "CashCall" as one word rather than two and the person was treating it like an illegal loan when it wasn't. You really really should be asking your state regulator.. when there's a storefront presence for a lender you need to take extra steps.

You got it exactly right, it is www.thecashstore.com. I told the Attorney General's Office contact that they were located in Hudson, Wisconsin, which is just across the river from Minnesota. They were the ones that encouraged me to file the complaint as she said that they want to be aware of this type of activity going on.

As I noted in my earlier post, they are a DBA of Cottonwood Financial, LLC in Irving, TX.

So you went to the store in Wisconsin to take out the loan, correct?

Yes, I went to Wisconsin to take out the loan.

Alright that's good for you and bad for them. Your state AG advised you to pay back the principal only? You said you spoke to them but did they actually advise you about your specific loan?

I think that they wanted to see what the specifics of the complaint looked like first, but she did note that maybe there could be some discussion about the interest rate. She was the one that told me the Minnesota statutory limit for a loan of this type is 12% of the unpaid balance.

Hmm.. the others may disagree with me but I'd play it safe if I were you. I would call your state AG and ask how they want you to treat the loan. I only say this because it was a storefront loan. The AG may say to pay 12 percent interest to them back (you'd owe the conpany 3360) or they might say to pay what you borrowed only. I just would feel a lot better if you seek guidance from them first.

I feel that since the lender is licensed in Wisconsin, has a storefront in Wisconsin and you actually drove there to take out the loan, you are probably subject to Wisconsin law in this. I would say whatever interest rate is legal in Wisconsin would apply here.
With that being said, it would behoove you to start getting the balance down ASAP as lenders with a license to do business in a state can very quickly take you to court. I would propose a payment plan to them and if they say they don't accept payment plans, send them what you can afford anyway. If they cash your money orders, they accept payment plans.

But she is a resident of Minnesota and it seems "cash store" does not even officially offer loans to Minnesotans. It looks like, to me at least, they took a risk thinking the OP would just pay it back according to their BS payment schedules and they were wrong. Like I said, if this were me I'd be seeking guidance from the MINNESOTA state regulator.

I did propose a payment plan to them, telling them when and how much I could pay as I felt that at a minimum, I owed the principal (I wouldn't even have a problem with interest at 12%). I asked if my payment plan was acceptable to them. By their responses, they acted like I hadn't even proposed the payment plan, just said to contact them. When I asked them about an extended payment plan, again they just said what can you pay on Friday and come in for an appointment. They also said since I was in default, corporate could ask for my file at any time. Here is the statute the Attorney General's Office referred to when I spoke with them.
[FONT=TimesNewRomanPS-BoldMT-Identity]
[LEFT]48.153 INSTALLMENT LOANS; FINANCE CHARGES; MINIMUM CHARGES.[/LEFT]
[/FONT][FONT=TimesNewRomanPSMT-Identity-H][LEFT]Subdivision 1. [Repealed, 1982 c 494 s 5]
Subd. 1a. [/FONT]Authorized rate of interest charged by banks or banking associations. A bank
organized under the laws of this state, or a national banking association doing business in this
state, making a loan of money not exceeding $35,000 repayable in installments, may charge, at the
time the loan is made, a rate of interest upon the unpaid principal balance of the amount financed
of 12 percent a year, or the rate of interest authorized by section 48.195, whichever is greater. If
the rate of interest charged is permitted by section 48.195 at the time the loan is made, the rate
does not later become usurious because of a fluctuation in the federal discount rate.
Subd. 2. Terms of bank loans. [FONT=TimesNewRomanPSMT-Identity-H]Installment payments on loans made pursuant to this section
by a bank or national banking association shall not extend beyond a period of 12 years and 32
days from the date of the loan. The loan may be secured by a mortgage, pledge, or other collateral.
Subd. 3. [Repealed, 1982 c 494 s 5]
Subd. 3a. [/FONT]Authorized rate of interest charged by savings banks or associations. A
savings bank organized under chapter 50, a savings association subject to the provisions of
sections 51A.01 to 51A.57, or a savings association chartered under the laws of the United States,
that has its principal place of business in this state, may make a loan for consumer purposes to a
natural person in an amount not exceeding $25,000 repayable in installments, and may charge a
rate of interest upon the unpaid principal balance of the amount financed of 12 percent a year,
or the rate of interest authorized by section 48.195, whichever is greater. If the rate of interest
charged is permitted by section 48.195 at the time the loan is made, the rate does not later become
usurious because of a fluctuation in the federal discount rate.
Subd. 4. Terms of savings association loans. Installment payments on loans made pursuant
to this section by a savings bank, a savings association subject to the provisions of sections
51A.01 to 51A.57, or a savings association chartered under the laws of the United States shall
not extend beyond a period of 12 years and 32 days from the date of the loan. The loan may be
secured by a mortgage, pledge, or other collateral.
Subd. 5. Charges. [FONT=TimesNewRomanPSMT-Identity-H]Charges in reference to installment loans under this section shall be
computed and collected only on the unpaid principal balance of the amount financed actually
outstanding. One day's finance charge means an amount equal to 1/365 of the per annum rate
provided for in an installment loan. If the total finance charge determined on an installment loan,
single payment or demand loan shall be less than $10 the amount charged may nevertheless be
$10. No loan shall be made pursuant to this section if over 50 percent of the proceeds of the loan
are used to finance the purchase of a borrower's primary residence other than a manufactured
home.[/LEFT]
[/FONT]

I know I owe, but plan to get guidance regarding my complaint from the Attorney General's Office first so I know what exactly I am obligated legally to do. I had already calculated the interest at 12%, divided it by 6 (as it was a six month installment loan) meaning monthly payments at $560 or biweekly at $280. That sure beats the $661.82/biweekly per the loan documents. I have already paid one payment of $661.82 while I was dealing with the fallout from the other pdl's. I also plan to make another $200 payment this week. I can do that with no problem and I figured that I can't be accused of making no effort whatsoever to pay on this. The rep at the store said that interest was no longer accruing on this loan (which is different than one of the letters I got from them saying interest was accruing at $47/day). I think that was meant to scare me and get me to cough up cash. After surviving cancer twice, not too much scares me any more.

More power to you. Let us know what the regulator says when you call in.. I'd imagine you have to wait until Tuesday for that.

Hmm. I think I'm on the other side as well. You sought out the loan by leaving your state and going to another state to a storefront location. I would think you'd be subject to the laws of the state where you obtained the loan since you physically went there.

For instance, if the law in PA says you can't drive and talk on your cell phone but the law in Ohio says you can talk on your cell phone while you drive, if I'm in PA, I'm subject to PA law, not Ohio law. So, if I get caught talking on my phone while driving, I'm getting a ticket, regardless of my state of residence.

Does that make sense?

That makes sense because you're supposed to follow the law of that state while you're in that state. However, for example - if you got a parking ticket in Maryland and you live in Ohio, they cannot go after you to pay it. They can report it and destroy your credit, but you cannot go to jail or court as you are in your own state's jurisdiction.

It's a very sticky situation with this loan which is why I've suggested the OP reach out to the state regulator.

I almost did the unthink-able and took a payday loan from some group out of Delaware! (The interest rate 400% or some asinine rate...)

I finally wised up, decided not to do it!

I get paid next week, I am literally emptying all the change jars until then!

I did have "installment loans" with First Delaware and Elastic (Urban Trust) and I could not pay either! (That was about year ago...). Revoked the ACH's, and my credit union worked with me!

I changed my cell phone number more than once, due to bill collectors. I sent the letters "that said don't call me or bother me,etc) Cease and Desist letters, I think they are called! And surprise it worked! I recieved a few collection letters, but no calls!

I am slowly recovering from my poor choices, (or as I say honestly stupidity), and paying off what I can!

From your emails, I think you want to take care of things the right way, and my hat is off to you. The only question on the table is this: should you pay back this loan (definately on YOUR TERMS) at WI or MN interest rates?
Usually when we have this discussion, community members have taken out loans from an Indian reservation or an off-shore country, so saying they fall under their laws is ridiculous when they never set foot in their country.

I do want to do what is right. Just because I made several bad decisions, doesn't mean I need to add more on top of them..

Update on the Cash Store... Thanks to this site (again!) I knew that giving in to the local store's continued requests to come to the office for an "appointment" was the worst thing to do. ( I knew they would try to talk me into refinancing... call me stupid once, not twice, but even I knew that was NOT the way to go, not at 520% interest) and I sure didn't have $1049 to throw away just to bring me current with nothing to show for it! I told the lady there that paying $1049 in interest was just ridiculous and again asked for a payment plan. The local store kept telling me that the corporate office could call for my file at any time, so it was best if I came in for an appointment.. (Best for whom?). People on this site noted that they got better results once their file did go to the corporate office. I was waiting to hear from the Attorney General's Office anyway, so I had nothing but a little time to kill as they typically take about 10 days to respond to a complaint and I left them a nice little package! The corporate office did start calling me the Tuesday after I didn't show up for my Friday appointment at the local store ( I made my house and car payments that day instead! I even celebrated my birthday at an inexpensive restaurant.) The corporate office lady let me commit to putting down a little bit on my next payday to keep it in the corporate office and them off of my back. She and said that then we will revisit what is a reasonable amount to pay each month and within my budget to get this paid off. I told her that interest and fees weren't going to keep accruing correct? She said she was freezing any further charges. The kicker is, the balance that got sent to them (even if you included interest on the original principal amount, (and I did the math)) is within the limits set by MINNESOTA law.. Yeha!!! The AG will weigh in though, if I have further problems.. They provided me with a contact person.

Great job. The corporate is always going to get you better results and be helpful