payday loans.. help...

I don't think either of your lenders are legal but I'm just going by memory, I haven't checked any of them. You can contact the Mississippi Department of Banking and Consumer Finance at (601) 359-1031 to find out for sure. Once you have found out if these companies are illegal, you can follow the guidelines below.

[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]

thank you..im kinda at my wits end.nervous.. my bank account was in negative so they would not let me close it with a negative balance... it was overdrafted bad by these compaines..they will just keep running the pmts through my account..i feel lik their is nthing i can do as far the bk account goes..but to just pay the account off when they close it ...it was overdrafted pretty bad and i dont have that kind of money tojust pay off at once..i knw its going to get close pretty soon..

thank you..im kinda at my wits end.nervous.. my bank account was in negative so they would not let me close it with a negative balance... it was overdrafted bad by these compaines..they will just keep running the pmts through my account..i feel lik their is nthing i can do as far the bk account goes..but to just pay the account off when they close it ...it was overdrafted pretty bad and i dont have that kind of money tojust pay off at once..i knw its going to get close pretty soon..

yes..im trying to figure what are my options... i have a loan with greenlight funding for 100 dollar i have paid about 200 in fees.. just sent them and email and they say that i owe 110.00 and once they get that then my account will be paid in full.. i have been trying to figure out if they are licensed to lend in the state of mississippi they said that was 85 dollars i owe plus a nsf fee for the pmt being returned....because if so i have paid well over whats do..