Dealing With Unlicensed Payday Lenders

thank you

thanks for the info

so is 1800899cash iscensed in ohio or not. First you tell me they are not liscensed and are illegal in ohio. Now your saying they are. If you really dont know just say.

nobody told you that.you came on and said that you found out they were illegal.there was someone in georgia that asked that.1800899cash is legal in ohio.i looked through the entire thread,and you are the one who said they were illegal.how did you come to that conclusion?

i have this nasty little pay day loan web as well. I live in Louisiana and was wondering what do i do... I have been reading this great site for two days now and im fully confident that i will be closing my account as soon as i hit the positive this week, but then what? how do i know if im dealing with legal or illegal companies i have paid so much money to them... HELP

[QUOTE=Shazzers;477777]Well, you probably know they aren't licensed lenders in Ohio, so, basically go back to page one of this thread and read it through. All of your questions will be answered there. :)[/QUOTE]
Edited; there was a typo.

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Rocky Boy technologies is impactcash.usa and PDL ventures

The phone number is -800-707-0102

I received an email with the following?

Can u help.. I told her that I am only responsbiole for the principal balance due to pdl being illega lin NJ
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]WE ARE A TRIBAL ENTITY.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]STATE REGULATIONS DO NOT PERTAIN TO US.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]WE WILL LEGALLY PURSUE THIS DEBT AGGRESSIVELY AND REPORT YOU TO THE CREDIT BUREAU IF NECESSARY AND TO AN OUTSIDE COLLECTION AGENCY.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=navy][COLOR=navy]WE WANT OUR MONEY BACK.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]YOU HAD ARRANGEMENTS WITH ME THAT MUST BE KEPT.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]WE HAVE ALLOWED YOU TO MAKE PAYMENT ARRANGEMENTS.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]YOU CANNOT GET OUT OF PAYING YOUR LOAN.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]YOU MUST RESPOND BY 4:00 TODAY EAST COAST TIME.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]AT THAT TIME WE WILL BEGIN LEGAL ACTION.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]SANDY[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]COLLECTION RECOVERY DEPT.[/COLOR][/COLOR][/SIZE][/FONT]ived a mesaage from paychecktoday who states the following

[QUOTE=Anonymous;479466]I received an email with the following?
Can u help.. I told her that I am only responsbiole for the principal balance due to pdl being illega lin NJ
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]WE ARE A TRIBAL ENTITY.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]STATE REGULATIONS DO NOT PERTAIN TO US.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]WE WILL LEGALLY PURSUE THIS DEBT AGGRESSIVELY AND REPORT YOU TO THE CREDIT BUREAU IF NECESSARY AND TO AN OUTSIDE COLLECTION AGENCY.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=4][COLOR=navy][COLOR=navy]WE WANT OUR MONEY BACK.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]YOU HAD ARRANGEMENTS WITH ME THAT MUST BE KEPT.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]WE HAVE ALLOWED YOU TO MAKE PAYMENT ARRANGEMENTS.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]YOU CANNOT GET OUT OF PAYING YOUR LOAN.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]YOU MUST RESPOND BY 4:00 TODAY EAST COAST TIME.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]AT THAT TIME WE WILL BEGIN LEGAL ACTION.[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy][FONT=Arial][/FONT][/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]SANDY[/COLOR][/COLOR][/SIZE][/FONT]
[FONT=Arial][SIZE=2][COLOR=navy][COLOR=navy]COLLECTION RECOVERY DEPT.[/COLOR][/COLOR][/SIZE][/FONT]ived a mesaage from paychecktoday who states the following[/QUOTE]

Respond to them, you are NOT a member of their tribal community and THEIR laws do NOT pertain to you!! Your state law prevails for YOU!

Ignore their BS threats, if they do report to the credit bureau dispute it on the grounds they are NOT licensed to lend to N.J. residents and payday loans are PROHIBITED in your state.

Does anyone know if any of these are illegal in Missouri? All were online.
Paydaymax
Speedycash
Zip19
Cashnetusa
500fastcash
mymoneypartner
Salaryfast
payday-loan-yes
upfrontcash
instantcashusa
e-payday-loan
FBDloan
mypaydayloan

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I don't know if anyone can help me but I have a loan with national payday and i am from pa. I took the loan out in April fro 348.75 and has been paying 87.19 every two weeks since. I need to know if they are legal in pa and if not what I can do to stop them from taking money. I can't close my bank account because it is a joint account. If they are illegal is there any other way i can go about this.

Thank you
Cindy

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im in ohio and have a loan with 1800899cash. i was told on this site they are not legal in the state of ohio. then a few days ago i was reading on here someone said they were legal?? now im confused. also, i have two loans with them. i reapplied for a little more money. one was for $300 and the other for $400. they took some of the $400 to pay the remaining balance of the $300. i was figuring i paid totally for both loans $913 so far. I still have remaining payments on the $400 loan. any advice???

thanks so much tara

I have a question, i am getting ready to close my account, but there is one loan place i would like to pay off
if I give them my new account number can the other payday loans tget a hold of it.
Please help.
Thanks

Quote:

since 1800899cash isnt licensed in ohio that makes them illegal, correct? i'm just making sure.



[QUOTE=Shazzers;477777]Well, you probably know they aren't licensed lenders in Ohio, so, basically go back to page one of this thread and read it through. All of your questions will be answered there. :)
Edited in red for a typo.[/QUOTE]

i contacted 1800899cash. im in ohio. i asked them to provide me with info regarding there ohio license. he gave me info for there license in delware. i told him ohio's dfi didnt have a license for them. he said thats because its a delaware license for internet and fax lending and they are allowed to do business in ohio so i still have to pay the loan

Hi All
Are these illigal payday loans in the state of NJ
I am in the process of closing my account
and do I email them my revoke letters or call
I have all the phone #'s and the email addresses (except for 1 email address)
I have the followinf PDL out
Centuria LPUSA/Genova Roth
$300.00 pay 630.00
CMG Group llc
250.00 paid $450.00
Connect to cash
250.00 paid $840.00
International
$250.00 paid $375.00
Ameriloan
$150.00 paid $150.00 (I owe $100.00)
Fast Cash
$200.00 only paid $60.00 (should of stopped when i was ahead - oopes never got ahead)\
Loanshoppe (800-806-9971)
$200.00 - paid $180.00
JHS MArketing
$250.00 not sure how much i oaid
AceCashServices 1-800-460-2030
$450.00- not sure how much i paid
I know a couple of them I did not pay over YET - I have no problem paying them
Any help I would greatly appreciate.
Thanks

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Quote:

thanks again

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stand your ground.this person is a scam collector.he will threaten,but that is all he can do.he wanted time to get his threats in order.nothing more.

Cash Jar is this legal, Borrowed 9/22.2009 750.00 , Paid 187.00 just in fees right out oo my account.

Tried to log in but they have no loan history set up called them, They did not send an email though they say they did 3 days prior. My Bank account is now down to 247.00. I live in Delaware

Cash Jar is not legal anywhere . They are located offshore

since 1800899cash is not legal in ohio, how long will i have to keep arguing with them to get them to stop? i basically took 2 loans out totalling 700 with them. All together I've paid $913. That should be paid in full correct>?

thanks

As you know I have 7 PDL's out there with:
Instacash--loan 200---paid 120
Kenwood LLC--loan 250---paid 150
LoanPointUSA--loan 500---paid 840
OneClickCash--loan 350---paid 105
ssm group--loan 200---paid 360
cardinal cash--loan--250--paid 225
US fast Cash--loan 250---paid 270

I sent out 2 emails yesterday & faxed them all. Today I certified mailed them each a letter. I then sent a letter (& a copy of what I sent to each company) to the BBB, the Michigan AG. I also copied all of this & gave a copy to my bank and scanned in a copy & emailed it to BOA Fraud Prevention.

So far, I have a response (only) from Cardinal, via email & it this is the info I have:
Please call us regarding your account asap. We are willing to make arrangements but we must speak with you first.
Thank You,
[FONT=Garamond][COLOR=blue]Cardinal Management/B&L Services [/COLOR][LEFT]866-943-6712
866-943-6714(fax)
[COLOR=#0000ff][/COLOR]
I have to say I was sure I'd hear more by now. They aren't due to hit my account till next Friday. I hate to call them, considering I told them we would only speak through email or postal mail so I have a record of what is really said. I tried to 'reply', it came back to me. Any ideas????[/LEFT]
[/FONT]

can someone please post a link to ohios pdl loans where it states they need a license to lend in ohio. thank you

tara

Hi Tara,

You can check the pdl lending laws in your state here. And, following is the link where you can check the licensing status of the lenders.

http://elicense2-lookup.com.ohio.gov/default.asp

Hope it helps.

Quote:

sc,

Thank you very much. That does help alot.

how do you know if a pdl company needs a license or not in a state. where do you find that info?

respond with.you will pay a balance of 140.00.because that is all you owe.send that to them,and see what you get.

aren't all internet payday lenders illegal everywhere?

12 CFR 250.10

(e) Compulsory use--(1) Credit. No financial institution or other person may condition an extension of credit to a consumer on the consumer's repayment by preauthorized electronic fund transfers, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer's account.

pardon me it was

12 CFR 205.10, not 250.10

the guy with 1800899cash is now threatening to turn me into a collection agency. He keeps stating that they are legal. and wants proof that they arent. that link you gave me earlier says pdl are considered legal in ohio. "State Legal Status
Lending of payday loan is considered legal (-Low Cost) in the State of Ohio"

they have to have a license to lend in ohio.they don't.it is up to them to provide license when requested.not up to you to prove they don't.if they give it to a CA then you can send a DV letter and either watch them dissapear or can take action against them.

Can anyone tell me if the following internet PDL companies are liscensed in South Carolina:
LoanPoint USA
Ameriloan
OneClick Cash
500Fast Cash
Magnum Cash Advance
Loan Shop

The top two executives at OneClickCash have warrants for their arrest and the state where they reside has ordered them to close up shop.

Aren't pdls prohibited in NC?

Here you can check the internet lending laws of your state. Internet pdl lending is also restricted in NC. You must check with the following link to equip yourself against the illegal lenders.

http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

Yes they are.

Does this mean that 500 fast cash and ameriloan have been shut down also

I heard that One Click Cash has a warrant out from another member here... so how did you hear about it? I was just curious becase I have a loan out with them and have overpaid them gobs according to California PDL Laws

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Does anyone know what payday companies are illegal in Kentucky

I live in AL and have 5 PDL's and I am being threathened jail time, lose my job, garnish my wages, you wouldnt believe the way the people are harassing me. I have closed out my checking account. What can I do to get them off of my back and stop calling my job before I do lose my job? I had one call me last week and threathen me and tell me that I owe SDQ and I have never borrowed from SDQ and I told this lady that and she said well they are DBA as well Pa Pa Pa someone, I am not really sure at the moment and I said excuse me. She wants to call and get me upset at work and then say something like that. How can i stop this?

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