Internet Payday Loans in Florida | DebtConsolidationCare

anonymous · 2009-01-02T09:29:02-08:00

Hi and Happy New Year everyone! I have been reading this forum for a while now and think I need to join the many people, looking for help with payday loan problems. I live in Florida and have 3 Internet based loans I already started to fight, but need some more help with. 1. Eastside Lenders original loan amount: $600 / already paid: $1,831.25 Send them a letter, claiming their loan was illegal in Florida and demanding to get the overpaid funds returned. They aknowleged the receipt and keep sending me automated e-mails, stating that they operate under Delaware law, claiming their operation was legal and I still owe them; $250 plus fees.... 2. EZPayDayCash original loan amount: $400 / already paid: $1,070.00 same here, but from Utah 3. PayDayMax.com original loan amount: $500 / already paid: $504.16 was able to get a physical mailing address in Canada and mailed my letter on 12/31 per registered mail, offering even to pay another $50.84 to fulfill my obligations. Haven't heard anything yet, but assume I will in a few days. My bank account has been closed as of 12-26 already and for all 3 lenders I used parts of your sample letters from this site, demanding to stop contacting me, revoking ACH debit, etc. I am keeping track of all written statements and refuse to take any phone calls. Guess I am looking for some more advice on how to proceed from here. Any help would be greatly appreciated! :roll:

Hi Marion, I looks like you have most of your bases covered,

Hi Marion,

I looks like you have most of your bases covered, I am going to post a little additional info that might help you out. You have already taken care of the most important parts, this will just give you a little extra help.
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.

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