Help I am sinking and out of money

to truly help with this i do need to know the following

how much borrowed from each pdl
how much debited by each pdl
what state are you in.

seeing as they are all internet i'm guessing these are not legal,but that will be determined by your state.if you got these in april,my guess would be you are done and owe nothing to any of them.i would close your bank account and open a new one.if you could provide the info i requested we can and will help you.

The posters states she is in CA.

They do appear to be all internet.

us fast cash borrowed 250.00 have only paid them 125.00 they are saying I owe them 452.00

impact borrowed 200 have only paid them 25.00 but they are working with me

3b financial borrowed 300 have only paid them 90

little loan shoppe borrowed 300.00 have paid them 270.00

fast money911 borrowed 400 have paid them 265

one click cas borrowed 250 have paid them 60

I reside in California. I know I still owe them money some more than others I am just not going to be able to do that till like beginning of Feb when I start my new job. How can I get them to work with me I have tried talking to them its not gettign me anywhere

California requires Internet based pdl's to be licensed by your state.

Quote:

so what does that mean

I am unsure about the others but will check.

USFastCash- Unlicensed/Illegal in CA.
3531 P Street NW , PO Box 111
Miami, OK 74355
Attention: Collection Department

USFastCash
Phone: 1-800-640-1295
Fax: 1-888-549-3324
Email: customerservice (a) usfastcash.com
US Fast Cash Compliance Department
Fax: 1-800-470-6614
Email: compliancedepartment(at)usfastcash.com

little loan shoppe - Unlicensed/Illegal in CA
Nelson, Dee
1801 W Broadway
Suite 201
Spokane, WA 99201
us
+1.5093288600 Fax: +1.5092321108

OneClickCash
CustomerService(at)oneclickcash.com
compliancedepartment(at)oneclickcash.com
FinalCollections(at)oneclickcash.com
1-800-825-0441
One Click Cash, are unlicensed/illegal to lend in any state in the US.
One Click Cash
52946 Highway 12
Suite 3
Niobrara, NE 68760
Fax 1-800-803-9136
Ph: 1-800-349-9418
compliancedepartment(at)oneclickcash.com

so is there some type of letter I can send them regarding my accounts to mkae them help me with payment arrangments on my terms and only pay back what they lent me

I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.

[quote]What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE

What next?
AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.

File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.

Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.

Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter. :)[/quote]

how do I get the letter to send them

I'm not possitive but I don't think they are licensed to lend in CA. Hopefully someone else can verify this.

IMPACT CASH LLC -
1551 RENAISSANCE TOWNE DR, STE 560
Bountiful, UT 84010
Telephone: (435) 214-4148

Click on "THIS" in the paragraph below.

AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template).

thank you got it. Impact is actually working with me so if I cant get them to let me just pay what i borrowed i may just eat that one since they are willing to work with me

Just do whatever you are comfortable with, however, make sure whatever agreement you make with ANY of these companies ALWAYS get it in writing, as they are notorious for going back on agreements. Good luck!

will do thanks a bunch

No problem, please keep us posted with your progress!

Sent my letters so lets see what happens. I will let you know

It a great feeling once you get everything started and you finally now that your money is yours. Keep us updated.

I have an 'account' on my CR. The account was 'reported' from a CA concerning a PDL. Now......if PDL's are illegal in MOST states, how can a CA be collecting on it? Let-alone report the debt to the CB's? What can I do to remove this item, if anything? I'm starting to 'work' on my CR now. I had a few accounts that the SOL expired on them. I 'disputed' the items that were SOL expired. I don't know if that will do any good...but, I'll see what happens. However......if the SOL did expire, will the debt STILL be on my CR for 7-10 years?

Ok so I sent out all the letter via email and I have not had one response what do I do next

Hi jelly,

Now its a waiting game, once the pdl's get your email it may take a few days or more, but you will start getting phone calls and emails. When they call you they will try & threaten you and tell you that their state's law's trump yours, this isn't the case. If you have any questions once they start calling, please let us know. We are here to help and may people have been through the same situation...

sdchargers_63, I just did this with Transunion(dpsuited it) They deleted the account off my Credit report, without a problem. It will take them the full 30 days to remove it though.

Even if its been several weeks... Only one of them has been calling me and I now know the number by heart so I just dont answer there calls now is that bad?

Not really, that is a good thing. They may lie low for a while and spring up when you don't expect them...

Thanks

Your welcome :D

ok so even with the emails out One Click Cash and Us Fast Cash are still calling daily.. Should I just keep ignoring the calls?? Does any one know if these to companies are the same they seem to be linked

I would totally ignore the calls!

I would ignore the calls and resend the C & D Letters.

i have resent the letters multilpe time they still call

If they get you on the phone, tell them they are illegal and you are recording their calls to turn over to your AG's office. When I was getting calls I let them talk first and then went right at them with their illegal status and asked for their license number to lend and then added I am recording this call. They have never called me back.

ok so I sent new letters out by mail on the 25th of march and the only one that has taken what I sent them was fast money 911. I still am having problems with one click, us fast cash, and 3b. I was going to resend them what do you think. how can I get them to stop calling??

Resend your proposal letters and cease & desist letters. It is fustrating, but eventually they will fold.

Where do I get a cease & desist letters

Here you go.

Quote: