I want help on how to get out pf payday loans on my own

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Please list all your loans, with whom, how much you borrowed from each and how much you have paid so far on each!

I do not know how much I have paid them anymore. How can I find out? I had decided to go with a debt consolidation company and came upon your website saying that we can do this on our own and wanted assistance. Here is a list of the lenders and what I still owe with interest fee.

United Cash loans-195
Paragon Funding-260
Pay Day Loan Yes-405
One Click Cash-130
Total Lending-325
Quickest Cash-390

It is really important for us to know the amount of the original loan and all the money, including rollovers and interest, to determine what is legally owed according to your states laws. Can you check your old bank statements?

I will look for the bank statements when I get home to night or will get them from the bank tomorrow. Thanks!!!

Ok here it is.

One Click Cash (Original Loan $250)
5/9 $75
5/23 $75
6/6 $75
6/20 $175
7/4 $95

United Cash Loans (Original Loan $300)
5/9 $105
5/23 $105
6/6 $105
6/20 $255
7/4 $110

Paragon (Original loan $200)
6/6 $60
6/20 $60
7/4 $60

Total Lending (Original Loan $250)
6/6 $75
6/20 $75
7/4 $75

Pay Day Yes (Original Loan $300)
7/4 $105

Quickest (Original Loan $300)
No Payments.

Thanks for your help on this sooo much!

I will check to see if any of these companies are legal and let you know in a few minutes.

OK, here is what I found out:
Oneclickcash - illegal - owe you $320
United cash loans - illegal - owe you $380
Paragon - illegal - you owe co $20
Total lending - illegal - you cow co $25
payday loan yes - illegal - you owe co $195
quickest cash - illegal - you owe co $300

Here is some additional info for you:
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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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Edited by Shazzers, links activated for OP.

I have another payday loan with High Country formerly Impact Cash. I have just found out they have another name RBT Financial. Are they legal? I kept them cuz pay doay loans are good to a certain extinct. I made a mistake though and forgot I had arrangements to pay a doctor bill and now my account is overdrawn. Which in turn put me behind with this check cashing place. I want to pay them but need to know if they are legal or not. My new original loan is $300. I had paid them off and reapplied. I only got to make one payment which was $90 before I made this mistake. Please tell me what I can do to get this settled.

You should know that pay day loans are never good. Just pay them what you borrowed

Is that minus the $90 I have already paid or no. Yo did not let me know they are legal

I just reread your post.Is this a check cashing store. Store fronts are legal and you have to make arrangements with them

I have 8 payday loans and have read some helpful information here. I live in Texas and they were all internet loans. VIP has no 'paydown' rule and thus I have been paying $100 each payperiod forever! I've paid them $200 each month since November. How do I request it's paid in full at this point?

Ok here goes!!! I had originally signed up with a payday loan consolidator. There is one account that is on my credit and I am wondering how to get it removed. Also, the consolidation company is having problems getting a settelment with Total Lending. According to my last post someone informed me that I legally owe the company $25. I am wondering how to go about pursuing a settlement on my own after it being over a year since signing up with the payday consolidation company.

you owe them $25? was this loan from a legal lender? can you try to make a settlement offer?

Total lending an internet payday lender is illegal in Mississippi. I made the following payments which how I only owe the company $25.00.
Total Lending (Original Loan $250)
6/6 $75
6/20 $75
7/4 $75

How would I go about a settlement offer?