cryarose-payday loans in Florida
Date: Mon, 11/10/2008 - 08:01
Quote:
I live in Florida, they are all internet. I know this is a mess!! Aero Advance Loan $500 paid $100 biweekly since 5/23/08 B&L Marketing now Pack Mgt 6/2 $300 paid $75 biweekly since Cashnet usa $500 just got paid nothing Eastside lenders $ 400 paid $120 Cash today limited $225 on 9/10 paid $270 Sonic payday $400 paid nothing yet Payday loan yes 9/19 $350 paid $315 E payday 9/17 $350 paid $315 my cash now $500 paid $152 MTSVCSMONEYTREE $500 paid $375 Us fast cash 8/19 $300 paid $410 Paydaymax $340 paid $476 Paycheck today $300 paid $270 I am not trying to get out of these, take full responsibility, but I am to the point that I cannot pay my bills. I have been looking for a part time job. I am so afraid that I will lose my job, I work for the state, have a decent job, just got caught up in this trap. I have had my bank account since 1997 with Wachovia and they are sometimes wishy washy and my checks are direct deposited. I have been on this site all day yesterday trying to figure out how to go about handling this mess Ive created for myself. I cant decide if I wanted to hire a company or handle this myself. I have until 11/21 that's when everything will hit the fan. I just got paid on 11/6, but I am broke, kept getting money to cover these fees. As I am looking at all this money that I have wasted on these stupid loans, I just want out of this!! _________________ |
Florida requires Internet based pdl's to be licensed by your sta
Florida requires Internet based pdl's to be licensed by your state but is also known to have payday loan companies acting as CSO's (Credit Service Organizations). This means they do not need to be licensed, and are generally 100% legal in what they charge.
Quote:
Florida State Information Legal Status: Legal Citation: Fl. Stat. Ann. ???? 560.401 et seq.; Rule 69V-560.901-912 Loan Terms: Maximum Loan Amount: $500 Loan Term: 7-31 days Maximum Finance Rate and Fees: 10% + verification fee Finance Charge for 14-day $100 loan: $15 apr for 14-day $100 loan: 390% Debt Limits: Maximum Number of Outstanding Loans at One Time: One Rollovers Permitted: None (cannot rollover) Cooling-off Period: 24 hours Repayment Plan: Yes Collection Limits: Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Florida Office of Financial Regulation Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399 Phone: (850) 410-9805 Fax: (850) 410-9748 |
Sorry, I was just making sure I get a reply. So where do I start
Sorry, I was just making sure I get a reply. So where do I start? By closing my account and writing letters to the companies? Thanks
No need to be sorry, some of these lenders are unlicensed to len
No need to be sorry, some of these lenders are unlicensed to lend in your state. I suggest that you contact the legal ones and work out some type of payment arrangement, but you really need to secure your personal account that these payments are being debited from, then make payments to them via USPS with a money order. First we need to determine which of these are legal and which aren't. Us fast cash and Paydaymax are both paid off, in fact they are more than paid off, they actually owe you money, since both of these lenders are not licensed to lend in FL all you were obligated to pay them back is the principal amount you borrowed.
Payday max - Also known as Credit Protection Depot
Paydaymax
support (@) CreditProtectionDepot.com
USFastCash
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@usfastcash.com'
US Fast Cash Compliance Department
Fax: 1-800-470-6614
Email: compliancedepartment(at)usfastcash.com
Aero Advance Loan- I am not sure about them, but I think they ar
Aero Advance Loan- I am not sure about them, but I think they are operating illegally, someone else correct me if I am wrong.
B&L Marketing - Not sure but I doubt if they're legal.
Phone Number 1-866-656-1136
Fax Number 1-866-370-7045
Cashnet usa - I believe they are operating as a CSO, you will need to make some type of payment arrangements.
Eastside Lenders- I don't think they're licensed in FL.
9218 Metcalf Ave #112
Overland Park, KS 66210
Telephone: (866) 569-6636
Fax: (180) 058-1429 ext. 6
eastsidelenders.com
Cash today limited- I'm not sure about this one either.
Sonic Payday (ILLEGAL) and Northway Financial Corporation, Ltd.
Level 8 Suite Plaza Commercial Centre
Bisazza Street
Sliema SLM 15 MALTA
Payday loan yes Illegal
Payday Loan Yes Not licensed!
Oranyan House Shirley Street
P.O. Box SS 19935
Nassau, NA
Bahamas
8005506051 Fax -- 8006057419
Paydayloan-yes
P.O. Box 571992
Murray, UT 84157
(888)227-4638
e-payday-loan - illegal/not licensed
Mailing address:
e-payday-loan.com
PO Box 571992
Murray, UT 84157
Phone: 1-877-633-1100
Fax: 1-866-840-4593
MyCashNow.Com Inc. (You will need to do some research on them to find out if they're licensed)
Grand Anse, St. George's
Milwaukee, WI 53214
Telephone: (866) 398-2274
support(at)mycashnow.com
1-866-645-1662 and 1-866-318-2274
paychecktoday.com, can't find an address but found fax #:
1-866-756-0600
fax at 1-800-671-0131
I hope the information below will help you. :) You are only obl
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]